This study investigates user trust and confidence in banking applications through a comparative analysis of HSBC Bank apps in Southeast Asia and Europe. Using latent Dirichlet allocation (LDA) topic modelling on 59,910 Google Play reviews, the analysis reveals significant regional differences. Southeast Asian users express substantially higher satisfaction (76.76% 5-star ratings) than European users (48.54% 5-star ratings). Negative reviews in Southeast Asia emphasise functional concerns (card services, transfers, persistent problems), while European negative reviews focus on update-related disruptions and account access issues. These patterns reflect differing digital banking maturity levels: Southeast Asian users engage primarily in confidence formation through reliable basic functionality, whereas European users focus on trust maintenance amid systemic changes. The study contributes to trust theory and offers actionable insights for banks operating across diverse regional contexts.