scholarly journals Technology Acceptance Model of Financial Technology in Micro, Small, and Medium Enterprises (MSME) in Indonesia

2020 ◽  
Vol 7 (10) ◽  
pp. 981-988
Author(s):  
Pupung PURNAMASARI ◽  
◽  
Irena Paramita PRAMONO ◽  
Ria HARYATININGSIH ◽  
Shahifol Arbi ISMAIL ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Small And Medium Enterprises ◽  
Acceptance Model ◽  
Medium Enterprises ◽  
Financial Technology

scholarly journals Penerapan SAK EMKM Sektor Pertanian Kabupaten Bogor Menuju Pengembangan Industri 4.0

2021 ◽  
Vol 31 (5) ◽  
pp. 1216
Author(s):  
Enok Rusmanah ◽  
Nizam Muhamad Ariyanto
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Agricultural Sector ◽  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Accounting Standards ◽  
Financial Accounting ◽  
Financial Reports ◽  
Acceptance Model ◽  
Medium Enterprises

Micro, Small, and Medium Enterprises (MSMEs) are the main drivers of the economy and dominated by the agricultural sector. However, this sector does not show a significant improvement. The main obstacle is the lack of MSME access to financing due to reliable financial reports. Financial Accounting Standards for MSMEs (SAK EMKM) were prepared to address this challenge. This study motivates to determine the perceptions of MSME of agricultural sector towards SAK EMKM. The study is done in Bogor Regency with farmers as the respondens. Descriptive analysis and Technology Acceptance Model (TAM) by Davis (1989) are combined to explain the perceptions. The results show that SAK EMKM was usefull but did not agree that it was easy to implement. Keywords: UMKM; SAK EMKM; Technology Acceptance Model.

scholarly journals PENGUJIAN TECHNOLOGY ACCEPTANCE MODEL PADA MOBILE BANKING SEBAGAI DETERMINAN PERFORMA UMKM DI KOTA MAKASSAR

2019 ◽  
Vol 8 (3) ◽  
Author(s):  
Syarief Dienan Yahya ◽  
Harry Yulianto
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Significant Influence ◽  
Small And Medium Enterprises ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Personal Innovativeness ◽  
Acceptance Model ◽  
Medium Enterprises

Technology adoption plays an important role in competing and creating opportunities in business nowadays. Mobile Banking has changed the way the banking industry and business interact. Mobile Banking is an alternative business strategy for businesses to survive in an increasingly competitive business in today's digital era. This study will focus on adopting Mobile Banking technology and its role to improve the performance of Micro, Small and Medium Enterprises (MSMEs) by adapting the Technology Acceptance Model concept using several indicators from various previous studies which consist of Perceived Ease of Use, Perceived Usefulness, Social Norms, Perceived Risk, Relative Advantages, Personal Innovativeness and Cost as indicators. The study involved 278 Micro, Small and Medium Enterprises (MSMEs) in Makassar City by using a self-administered questionnaire, which was determined using the Purposive Sampling method. The result shows that simultaneously all indicators of the construct of Technology Acceptance Model had a positive and significant influence on the performance of Micro, Small and Medium Enterprises (MSMEs) in Makassar City. Furthermore, partially each indicator shows a positive and significant influence and personal innovativeness is the most dominant indicator in influencing Micro, Small and Medium Enterprises (MSMEs) performance. The findings of this study are expected to enrich the study related to the topic of Technology Acceptance Model in Mobile Banking and its relationship to improving the performance of Micro, Small and Medium Enterprises (MSMEs).

scholarly journals PERSEPSI UKM TERHADAP APLIKASI AKUNTANSI BERBASIS ANDROID DENGAN PENDEKATAN TECHNOLOGY ACCEPTANCE MODEL DAN THEORY OF PLANNED BEHAVIOR

2021 ◽  
Vol 10 (3) ◽  
pp. 199-214
Author(s):  
Embun Suryani ◽  
Sinta Almanika ◽  
Adi Septiawan
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Planned Behavior ◽  
Technology Acceptance Model ◽  
Business Performance ◽  
Small And Medium Enterprises ◽  
Accounting Information ◽  
Collection Data ◽  
Acceptance Model ◽  
Medium Enterprises

The purpose of this study was to determine the perceptions of Small and Medium Enterprises (SMEs) users and non-users of Android-based accounting applications as well as the benefits and feasibility of the application to be used as an SME accounting information system. This study uses phenomenological methods and analyzed descriptively. The data were analyzed using interactive analysis techniques which included data collection, data reduction, data presentation, and drawing conclusions. The results of this study indicate that the perception of SMEs using Android-based accounting applications provides a lot of positive responses, both from application users and non-users. The results of interviews with informants prove that android-based accounting applications can improve business performance and productivity, work faster, stored data is safer, and the accounting information produced is clearer, more complete, and accurate. Although most of the informants gave a positive response, a few informants were still comfortable using manual recording because it was considered easy and did not require complex recording. From the results of data analysis, the android-based accounting application has a feasibility level of 72% which indicates that this accounting application is very feasible to be used as a better financial recording of SMEs and meets accounting standards.Keywords:Keywords:SMEs perception, android-based accounting application, technology acceptance model, theory of planned behavior.

scholarly journals Adopsi E-Commerce Dalam Mendukung Perkembangan Usaha Mikro Kecil Dan Menengah (UMKM) Di Masa Pandemi Covid-19

2020 ◽  
Vol 4 (1) ◽  
pp. 54
Author(s):  
Adriani Kala'lembang
Keyword(s):  
Conceptual Framework ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Small And Medium Enterprises ◽  
Organizational Characteristics ◽  
Leadership Characteristics ◽  
The World ◽  
Huge Impact ◽  
Acceptance Model ◽  
Medium Enterprises

The Covid-19 pandemic struck Indonesia and also the rest of the world, which has a huge impact in the Micro, Small and Medium Enterprises (MSMEs). It is necessary to have a big movement to revive the economic passion in Indonesia, especially MSMEs, one of which is by utilizing e-commerce. This paper presents a conceptual framework for adopting e-commerce. Based on the results of a review of several articles, it was concluded that three factors could be used to adopt e-commerce, including, organizational characteristics, environmental characteristics, and leadership characteristics. To test the benefits and ease of using e-commerce, it can use the Technology Acceptance Model (TAM) theory.

Acceptance of Islamic financial technology (FinTech) banking services by Malaysian users: an extension of technology acceptance model

foresight ◽  
2020 ◽  
Vol 22 (3) ◽  
pp. 367-383 ◽  
Author(s):  
Imran Mehboob Shaikh ◽  
Muhammad Asif Qureshi ◽  
Kamaruzaman Noordin ◽  
Junaid Mehboob Shaikh ◽  
Arman Khan ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Consumer Innovativeness ◽  
Banking Services ◽  
Content Type ◽  
Acceptance Model ◽  
Financial Technology

Purpose This paper aims to examine the determinants that influence bank users’ acceptance for Islamic financial technology (FinTech) services by extending the technology acceptance model (TAM) in the Malaysian context. Design/methodology/approach The survey was conducted using convenience sampling. Moreover, 205 responses were gathered from users of the Islamic bank. On the same note, the literature on determinants of Islamic FinTech acceptance and TAM was reviewed as well in a bid to contribute to the factors that are instrumental in determining the acceptance of FinTech services. Findings Findings of the study reveal that Islamic FinTech’s services acceptance is determined by perceived ease of use, perceived usefulness and also by another variable, which is consumer innovativeness (CI). On the contrary other factors, self-efficacy and subjective norms are found not to be influential in determining Islamic FinTech’s acceptance by Islamic banking users. Originality/value TAM is extended in the context of Islamic FinTech. A new variable, namely, CI is tested using TAM. CI is yet to be tested, therefore, this paper will be a useful reference for the policymakers, academicians and future researchers.

scholarly journals PENGARUH PERSEPSI KEMUDAHAAN DAN PERSEPSI MANFAAT TERHADAP NIAT PENGGUNAAN TEKNOLOGI KEUANGAN SEBAGAI ALAT PEMBAYARAN

2020 ◽  
Vol 3 (1) ◽  
pp. 46
Author(s):  
Yacobo P Sijabat ◽  
Heni Hirawati ◽  
Axel Giovanni
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Primary Data ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Regression Methods ◽  
Acceptance Model ◽  
Main Model ◽  
Financial Technology

The technology applied by companies in transactions must pay attention to aspects of behavior. Researchers use the Technology Acceptance Model (TAM) as the main model of research. The researcher's goal is to determine the effect of several Technology Acceptance Model (TAM) variables on the intention to use financial technology as a means of payment. The data used by researchers are data from 118 students of the Faculty of Economics, Tidar University. Researchers use primary data by distributing questionnaires to students to determine the effect of each variable studied. The validity test used by researchers is the Corrected Item-Total Correlation value, while for the reliability test the Cronbach Alfa Test is used. Researchers use multiple linear regression methods in analyzing data and variables. Researchers found that the effect of perceived ease of use and perceived benefits on the intention to use financial technology in simultaneous transactions and had a significant effect. Likewise, partially, for each variable influences the intention to use financial technology in transactions and reliability.

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