“…Although research related to the influence of trust on attitudes and perceived benefits have been widely done, the relationship between trust and perceived benefits between researchers shows a different model. Some researchers stated that trust has a positive effect on perceived benefits which further determines consumer attitudes and intentions to shop online [21]- [23], whereas [24] shows that the consumers' perceived benefit of mobile banking will lead to trust in the mobile banking service. Meanwhile, trust and perceived benefit are not interconnected, but both act as independent variables that function as antecedent attitudes and online shopping behaviour [5], [25], [26].…”