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The purpose of this study is to identify factors that influence the behavior of customers in bank saving activity before and after interest rate depreciation. Data were collected using questionnaire. The questionnaire was designed in closed form and distributed to customers with convenience sampling method. The data collected then analyzed using a multi-level structural equation models. The results showed that there’s difference in customer perception towards bank saving account as an investment mode before and after bank regulation.  As well it is also found that there’s difference in customer perception towards bank interest rate before and after bank regulation.  It is also found the different between before and after bank regulation on customer trust toward bank saving account.

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Keywords: interest rates, savings, bank regulation, trust, investment