“…For example, those are perceived usefulness, ease of use, risk, or security (Chen & Li, 2017;Mondego & Gide, 2018), perceived convenience and benefits (Gao & Waechter, 2017), and perceived value (Sundjaja & Tina, 2019). On the other hand, trust is affected by other factors, such as perceived ease of use, perceived usefulness, structure assurance, and ubiquity (Yan & Yang, 2015), reputation and reference group (Wu & Zhang, 2017;Mondego & Gide, 2018), client value or benefits (Djojo, Arief, & Heriyati, 2015). Those researchers confirm that trust can affect or be affected by several factors.…”