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The present study aims to analyze the impact of the variables privacy, ease of use and trust in digital banking. In addition, it studies whether this impact is affected by the nationality of the users. The study was conducted through a literature review and the dissemination of an online questionnaire using PLS software. The analysis validated the measurement scale and analyzed the structural model at different stages, which confirmed its validity and reliability. The research concludes that privacy positively influences trust and perceived ease of use by users. Moreover, it confirms that the higher the perceived ease of use, the higher the consumer trust. 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