efek mediasi persepsi kredibilitas pada pengaruh komunikasi tatap muka terhadap niat menggunakan bri mobile nasabah bank rakyat indonesia di surabaya

changes in the banking industry are very fast, with the economic development and international market competition, banking companies are also affected. the main force in the banking environment is a rapidly evolving technology that is used as a solution to the current problems in the banking industry and has created products and new services. the purpose of this study was to assess face to face communication, perception of credibility and in the customers intention of using bri mobile services in surabaya. 100 respondents selected by using purposive sampling method, so that the sample used is based on prescribed criteria, at last 19 years old, customers in bank bri in surabaya. data collection in the conducted by distributing questionnaires. respondents are customers who use bri mobile services in surabaya area. this research uses warpls 5.0. the result of this study indicate that face to face communication has a significant influence on cutomer intentions to use bri mobile services in surabaya. face to face communication has a significant effet on the perception credibility, the perception of credibility has a significant effect on customer intentions to using bri mobile service in surabaya and face to face communication has the effect of intention to use through perception of customers credibility as mediating variable in bri mobile services in surabaya