Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model

Musyaffi, Ayatulloh Michael; Johari, Razana Juhaida; Rosnidah, Ida; Respati, Dwi Kismayanti; Mpody, Christian; Yusuf, Muhammad

doi:10.18421/tem112-23

Cited by 15 publications

(16 citation statements)

References 26 publications

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“…This study showcased that positive factor of technological readiness such as optimism and innovativeness, along with negative factors like discomfort, can act as significant antecedents within the TAM mode. This aligns with the findings of the study by Musyaffi et al (2022), which investigated digital banking adoption in the post-COVID-19 pandemic era, providing similar evidence. However, while the study by Musyaffi et al (2022) emphasized innovativeness as the most crucial factor, this current study revealed that optimism plays the most significant role in technology adoption.…”

Section: Theoretical Implicationssupporting

confidence: 89%

Southeast Asian consumer acceptance of 3D virtual fitting technologies in cross-border online shopping

Yang,

Kim

2024

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The purpose of this study is to investigate Thai, Vietnamese and Indonesian consumers’ responses to cross-border online shopping for Korean fashion products using 3D virtual fitting technology. In order to examine the factors affecting a consumer’s attitude toward virtual fitting technology and the purchase intention of Korean fashion products, technology acceptance model, which represents cross-border site characteristics, and technology readiness, which represents a consumer's belief in technology, were used in combination with technology readiness and acceptance model. An online survey was conducted with male and female consumers in their 20 s and 30 s residing in Vietnam, Indonesia, and Thailand. A structural equation model analysis was performed using smart PLS to verify the research model. Among the dimensions of technological readiness, optimism and innovativeness had a positive effect on consumers' perceptions of the cross-border site, and discomfort had a negative effect. Perceived usefulness, enjoyment, and perceived fit had a significant effect on the attitude toward virtual fitting technology, and the effect of enjoyment was the greatest. This study highlighted the role of each dimension of technology readiness by verifying consumer acceptance of virtual fitting technology in cross-border online transactions. It also emphasized the role of perceived enjoyment in technology acceptance.

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Section: Theoretical Implicationssupporting

confidence: 89%

Southeast Asian consumer acceptance of 3D virtual fitting technologies in cross-border online shopping

Yang,

Kim

2024

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“…The next procedure after R-square is to test the effect size (f2) to determine the size of the effect of each exogenous variable on the model. There are three types of influence, namely small (0.02), medium (0.15), and large (0.35) (Hair, Risher, Sarstedt, & Ringle, 2019;Musyaffi et al, 2022). Table 7 shows that the variable of DFL has a large effect on FB; it is 0.651.…”

Section: Assessment Of Modelmentioning

confidence: 99%

“…Meanwhile, FC has a medium effect on FB (0.206) and indirectly affects FW on a large scale (0.453). (Musyaffi et al, 2022;Saptono et al, 2021). The model has predictive relevance if the value of Q2 is more than 0 (zero).…”

Section: Assessment Of Modelmentioning

confidence: 99%

How do students’ digital financial literacy and financial confidence influence their financial behavior and financial well-being?

Respati¹,

Widyastuti²,

Nuryati³

et al. 2023

Nurture

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Purpose: An understanding of financial literacy is important not only for business actors but also for individuals and households; even there is a need to introduce this all-important skill to children early. There is a projection that the financial behavior of the young generation will have a better influence on the global economy than that of the previous generation. Therefore, it is crucial that today’s young generation understands financial literacy. This study aims to measure how digital financial literacy and financial confidence can influence both the financial behavior and financial well-being of the younger generation. Design/methodology/approach: The participants in this study are university students from all over Indonesia. This is a quantitative research project that uses online questionnaires, and the collected data is processed using structural equations mode-partial least squares (SEM-PLS) with the Smart-PLS application. Questionnaires have been distributed and obtained by 353 respondents to be processed by the Smart-PLS application. Finding: The result indicates that digital financial literacy has a significant effect on financial behavior, and financial behavior also has a significant effect on financial well-being. Meanwhile, financial confidence influences both financial well-being and financial behavior. Conclusion: This research contributes to the body of knowledge by providing information to the public about the importance of digital financial literacy for individuals to control their financial behaviour amidst the rapid growth of financial technology. Furthermore, the research findings are enriched with literature on digital financial literacy, which is still rarely studied. However, a limitation of this study is the fact that the respondents are mainly women. Therefore, there should be further research involving a higher number of respondents and covering a wider research location.

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“…Meanwhile, insecurity and discomfort act as inhibitors that can prevent someone from using new technology [26], [27]. High technological readiness can affect a person's perception of the ease and usefulness of viewing technology [28]. Insecurity for technology users occurs because there is no guarantee for the products and services of the technology [17].…”

Section: Tri Analysismentioning

confidence: 99%

Technology readiness in enterprise resource planning gamification to improve student learning outcomes

M.Ak.,

Musyaffi

Quinn³

et al. 2023

IJERE

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<span lang="EN-US">In online learning, students often experience problems related to the use of technology. One of them is enterprise resource planning (ERP) technology. Therefore, this study aimed to analyze the technology readiness index (TRI) to measure the extent to which students’ readiness for ERP gamification. This research targets students who use ERP gamification during management information systems and accounting information systems courses. The technique of determining the sample is using a census. So that all the population is used as a sample of 153 students in Indonesia, then analyzed using TRI. Through TRI analysis using SEM PLS, most students studying ERP gamification have a medium readiness index. The findings of this research showed that students are very close to technology, so they have a strong adoption of technology. Most students have an explorer character where they are enthusiastic and have high curiosity about learning ERP gamification. Pioneers who need a little encouragement from external parties to adopt ERP gamification. However, typical skeptics should be given a concrete example of the benefits of using ERP in learning. This research is also a benchmark for developing technology-based learning media according to the characteristics of students who are intended for technology in higher education.</span>

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Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model

Cited by 15 publications

References 26 publications

Southeast Asian consumer acceptance of 3D virtual fitting technologies in cross-border online shopping

Southeast Asian consumer acceptance of 3D virtual fitting technologies in cross-border online shopping

How do students’ digital financial literacy and financial confidence influence their financial behavior and financial well-being?

Technology readiness in enterprise resource planning gamification to improve student learning outcomes

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