Pengaruh Persepsi Kemanfaatan, Kemudahan, dan Keamanan terhadap Minat Bertransaksi Menggunakan BYOND by BSI: The Effect of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Students’ Intention to Use BYOND by BSI for Financial Transactions. JKUBS. 2026;5(1):17-32. doi:10.24260/jkubs.v5i1.6258