<![CDATA[This study analyzes the influence of technology perception, risk perception, and complaint handling on customer interest in using internet banking services at Bank Syariah Indonesia, KCP Cemara Asri. The research employed a quantitative approach using multiple linear regression analysis, supported by t-test and F-test procedures to examine both partial and simultaneous effects among variables. The results of the t-test indicate that technology perception, risk perception, and complaint handling each have a significant effect on customer interest, as shown by t-values greater than the t-table and significance values below 0.05. Furthermore, the F-test results demonstrate that the three independent variables simultaneously have a significant effect on customer interest, with a significance value of 0.000. These findings suggest that improving technological quality, strengthening risk management, and ensuring responsive complaint handling are essential factors in increasing customer interest in using internet banking services. Theoretically, this study contributes to the development of literature on customer behavior in Islamic digital banking. Practically, the findings provide useful insights for Islamic banking institutions in designing service strategies that are more responsive to customer needs, expectations, and trust in digital banking platforms.]]>
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