Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: an Insight from the Indonesian Small and Medium Enterprises

2020 ◽  
Vol 10 (4) ◽  
pp. 1702
Author(s):  
Mukhamad Najib ◽  
Farah Fahma
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Small And Medium Enterprises ◽  
Payment System ◽  
Acceptance Model ◽  
Medium Enterprises

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.

Determinants of E-Payment Systems Success

2012 ◽  
Vol 4 (3) ◽  
pp. 15-38 ◽  
Author(s):  
Adeyinka Tella
Keyword(s):  
Service Quality ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Payment System ◽  
Ease Of Use ◽  
Future Research ◽  
Perceived Benefits ◽  
Actual Use ◽  
System Success ◽  
Acceptance Model

The success of an information system (IS) depends on the users’ satisfaction with the system. In this study, the Technology Acceptance Model by Davies (1989) was extended. The paper synthesized the technology acceptance model (TAM) to explain and predict the success of e-payment system using users’ satisfaction as dependent variable. The hypothesized model was validated empirically using a sample data collected from of a modified e-payment questionnaire. A total of 74 teaching and non teaching academic staff selected from the Faculty of Communication and Information Sciences, University of Ilorin, Nigeria constituted the sample for the study. The results revealed correlation among perceived benefits, perceive enjoyment, speed; service quality, perceive ease of use and actual use and e-payment success. Moreover, all the seven e-payment predictive factors together made 69% of e-payment system success. Similarly perceived benefits, perceive enjoyment, speed; service quality, perceive ease of use and actual use are good predictors of e-payment system success. One of the implications pointed out by the study is that the measures for the construct of e-payment system success used are self-reported. In the light of this, future research should develop more objective and accurate measures for determining e-payment system success.

Determinants of SMEs intention to adopt Islamic crowdfunding model in Northwestern Nigeria

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Mansur Ahmed Kazaure ◽  
Abdul Rashid Abdullah ◽  
Dahlia Binti Zawawi ◽  
Amer Hamzah
Keyword(s):  
Technology Acceptance ◽  
Small And Medium Enterprises ◽  
Financial Model ◽  
Content Type ◽  
Intention To Adopt ◽  
Alternative Sources ◽  
Acceptance Model ◽  
Medium Enterprises ◽  
Practical Implications

Purpose The study aims is to examine the determinant factors of small and medium enterprises’ (SMEs’) intention to adopt the Islamic crowdfunding model as alternative sources of finance. Design/methodology/approach Using a survey questionnaire, 385 responses were received from owners and managers of SMEs in three states (Kano, Kaduna and Katsina) of northwestern Nigeria and analyses using PLS-SEM 3.0 software. Findings All hypotheses were found to be significant. Research limitations/implications The research focused only on northwestern Nigeria; there is a need for further research to focus on other geographical zones in Nigeria. Practical implications Crowd funders and policymakers can use these findings to enable the adoption of the Islamic crowdfunding model. Originality/value The previous study has not examined the role of technology acceptance model in the adoption of the financial model; these findings contribute to the crowdfunding literature by filling this gap.

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