Technological developments in this modern era are increasingly rapid and sophisticated, affecting various aspects of Indonesian society's lives. The BNI Mobile Banking payment application is a technological development that offers various conveniences and provides many benefits for its users. This research aims to determine the influence of lifestyle, trust and risk perception on BNI Mobile Banking E-payment users in Ponorogo. The method used in this research is a quantitative method. Data from this research was obtained by distributing questionnaires with written statements to respondents and analyzed using Multiple Linear Regression with the help of the SPSS 26 software application. The population in this study were BNI Mobile Banking users in Ponorogo. The sample in the study consisted of 100 people using simple random sampling techniques. The research results show that: there is a positive and significant influence between Lifestyle, Trust, and Risk Perception on BNI Mobile Banking E-payment Users in Ponorogo
Keywords : Lifestyle, Trust, Perception Risk, E-payment