scholarly journals PENERIMAAN FINANCIAL TECHNOLOGY BERBASIS TECHNOLOGY ACCEPTANCE MODEL (TAM)

2020 ◽  
Vol 12 (1) ◽  
pp. 33-46
Author(s):  
Sutrisno Sutrisno ◽  
Diva Riza FAHLEFI ◽  
Sarbullah Sarbullah
Keyword(s):  
Technology Acceptance ◽  
Significant Influence ◽  
Perceived Risk ◽  
New Technology ◽  
Coefficient Of Determination ◽  
Open Platform ◽  
Technology Applications ◽  
Acceptance Model ◽  
Feasibility Test ◽  
Financial Technology

Tecnology Acceptance Model (TAM) developed by Davis which is a successful and acceptable model in order to predict the acceptance of a new technology. In the last two years, in Indonesia there has emerged a financial technology service that was designed with the open platform principle, OVO. OVO is a service engaged in the field of financial technology, is a smart application designed to make payment services and transactions online, and has penetrated into all business expansion. The purpose of this research is to find out. the effect of perceived ease, perceived risk and attitude of use on the intention of OVO financial technology behavior in Surakarta City. The population used in this study were all users who intended to use OVO financial technology behavior in Surakarta City amounted to 140. The sample used in this study were 60 people. Data analysis methods used are descriptive statistical analysis, validity test, Classic Assumption Test, multiple regression analysis, t-test statistics and the model feasibility test and the coefficient of determination. The results of this study indicate that perceptions of ease have a positive and significant influence on the behavioral intention of OVO financial technology in the city of Surakarta with a significance of 0,000 <0.05. perceived risk has a positive and significant effect on the intention of OVO financial technology behavior in Surakarta City with a significance of 0.002 <0.05. usage attitude has a positive and significant influence on the intention of OVO financial technology behavior in Surakarta City with a significance of 0,000 <0.05. This means that all variables affect the intention of OVO financial technology behavior in Surakarta City. Seeing the results of the research conclusions, that Behavioral Intetion of the users stated that those interested in using OVO financial technology applications with the advantages offered such as free transfers

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

scholarly journals The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia

2019 ◽  
Vol 13 (1) ◽  
pp. 31 ◽  
Author(s):  
Meyliana Meyliana ◽  
Erick Fernando ◽  
Surjandy Surjandy
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Service Level ◽  
Equation Model ◽  
Perceived Usefulness ◽  
Data Collection Technique ◽  
Acceptance Model ◽  
Financial Technology

The service level in community must be considered if it wants to continue to be used by the users. This research studies the adoption of Financial Technology (FinTech) services in the terms of trust and risk. The work employs the Technology Acceptance Model (TAM) theory as the theoretical basis combined with trust and perceived risk. The research method is quantitative. The data are analyzed by the Structural Equation Model (SEM) using Smart PLS V2.0. The researchers use a questionnaire in Google Form to collect the data. It is distributed online with the snowball data collection technique. As a result, 548 respondents are successfully gathered. The results indicate that the factor of users trusts influences perceived usefulness in the adoption to use FinTech services. However, the risk factor does not affect the use of FinTech services, which further does not influence the users’ attitude. The work contributes to the study of the adoption of FinTech services, which provides a view determining the users’ intention to use FinTech services in Indonesia.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING

2021 ◽  
Vol 10 (3) ◽  
pp. 246
Author(s):  
Samuel Martono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Random Sampling ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Financial Technology

ABSTRACTThis study aims to examine the determinants of the developed Technology Acceptance Model (TAM) framework. The author used stratified random sampling, and data collection used a survey method. The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS 25 software. The results show that perceived ease of use and perceived risk do not influence attitude towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude has a partial mediation role only in the relationship between perceived usefulness and relative advantage to fintech lending using intention. These results support the original model of TAM that states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It suggested that financial technology services foster users to use fintech lending through various ways to tell it is easy enough to use and able to protect users' secure data and information. This study also contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.JEL : G23, G41, G51. Keywords : Technology Acceptance Model, financial technology, lending. ABSTRAKPenelitian ini bertujuan untuk menguji faktor-faktor pada kerangka kerja yang merupakan pengembangan dari Technology Acceptance Model (TAM). Peneliti menggunakan metode stratified random sampling dan pengumpulan data dilakukan dengan menggunakan metode survey. Teknik analisis yang digunakan adalah uji regresi berganda dan uji jalur dengan bantuan perangkat lunak IBM SPSS 25. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived risk tidak memberikan pengaruh pada sikap terhadap fintech lending. Sebaliknya, perceived usefulness, relative advantage dan perceived cost justru memberikan pengaruh, serta sikap memberikan pengaruh terhadap minat untuk menggunakan fintech lending. Lebih lanjut, sikap memilki mediasi parsial hanya pada hubungan antara perceived usefulness dan relative advantage terhadap minat untuk menggunakan fintech lending. Hasil penelitian ini mendukung model awal TAM yang menyatakan bahwa perceived ease of use memberikan pengaruh yang tidak signifikan terhadap sikap untuk menggunakan. Disarankan bagi penyedia jasa keuangan berbasis teknologi untuk mendorong pengguna fintech lending melalui berbagai langkah untuk menyampaikan kemudahan penggunaan dan fintech mampu melindungi data dan informasi pengguna yang bersifat rahasia. Penelitian ini juga berkontribusi untuk memberikan bukti empiris pada berbagai variabel yang digunakan untuk memodifikasi dan mengembangkan Technology Acceptance Model.

Adoption of Gamified Systems

2015 ◽  
Vol 5 (3) ◽  
pp. 18-37 ◽  
Author(s):  
Gokhan Aydin
Keyword(s):  
Technology Acceptance ◽  
Attitude Change ◽  
Structural Equation ◽  
Online Survey ◽  
New Technology ◽  
User Engagement ◽  
Factors Affecting ◽  
Wide Range ◽  
Technology Applications ◽  
Acceptance Model

This study aims to understand the factors affecting the attitude towards and adoption of gamified systems, which are receiving increasing interest worldwide as they can be used for attitude change and increasing user engagement in a wide range of areas. Whether individuals use these systems because they consider them useful or if there are other motivational factors deemed important are analysed. Considering the gamification applications as new technology applications, an extended technology acceptance model (TAM) is used based on existing literature to explain attitude formation and adoption of gamified systems. An online survey is carried out on a social networking gamification website (EmpireAvenue.com) and the collected data is analysed using partial least squares structural equation modelling (PLS-SEM). The findings indicate that extended TAM incorporating intrinsic motivation elements (enjoyment and playfulness) is able to explain attitudes towards and continued use intention for a gamified system.

scholarly journals IndoorPlant: A Model for Intelligent Services in Indoor Agriculture Based on Context Histories

Sensors ◽  
2021 ◽  
Vol 21 (5) ◽  
pp. 1631
Author(s):  
Bruno Guilherme Martini ◽  
Gilson Augusto Helfer ◽  
Jorge Luis Victória Barbosa ◽  
Regina Célia Espinosa Modolo ◽  
Marcio Rosa da Silva ◽  
...  
Keyword(s):  
Technology Acceptance ◽  
Mean Square Error ◽  
Ease Of Use ◽  
Coefficient Of Determination ◽  
Square Root ◽  
Mean Square ◽  
Use Context ◽  
The Mean ◽  
Acceptance Model ◽  
The Internet Of Things

The application of ubiquitous computing has increased in recent years, especially due to the development of technologies such as mobile computing, more accurate sensors, and specific protocols for the Internet of Things (IoT). One of the trends in this area of research is the use of context awareness. In agriculture, the context involves the environment, for example, the conditions found inside a greenhouse. Recently, a series of studies have proposed the use of sensors to monitor production and/or the use of cameras to obtain information about cultivation, providing data, reminders, and alerts to farmers. This article proposes a computational model for indoor agriculture called IndoorPlant. The model uses the analysis of context histories to provide intelligent generic services, such as predicting productivity, indicating problems that cultivation may suffer, and giving suggestions for improvements in greenhouse parameters. IndoorPlant was tested in three scenarios of the daily life of farmers with hydroponic production data that were obtained during seven months of cultivation of radicchio, lettuce, and arugula. Finally, the article presents the results obtained through intelligent services that use context histories. The scenarios used services to recommend improvements in cultivation, profiles and, finally, prediction of the cultivation time of radicchio, lettuce, and arugula using the partial least squares (PLS) regression technique. The prediction results were relevant since the following values were obtained: 0.96 (R2, coefficient of determination), 1.06 (RMSEC, square root of the mean square error of calibration), and 1.94 (RMSECV, square root of the mean square error of cross validation) for radicchio; 0.95 (R2), 1.37 (RMSEC), and 3.31 (RMSECV) for lettuce; 0.93 (R2), 1.10 (RMSEC), and 1.89 (RMSECV) for arugula. Eight farmers with different functions on the farm filled out a survey based on the technology acceptance model (TAM). The results showed 92% acceptance regarding utility and 98% acceptance for ease of use.

Analysis of Technology Acceptance Model (TAM) for Financial Literacy on Kids Application Technology

2021 ◽  
Vol 12 (3) ◽  
pp. 1004-1010
Author(s):  
Nurhanani Romli Et.al
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Financial Literacy ◽  
Formal Education ◽  
Preschool Age ◽  
Application Technology ◽  
Use Of Technology ◽  
Two Factors ◽  
Technology Applications ◽  
Acceptance Model

Financial literacy was very important to be introduced since the early children. In Malaysia, the children began to start for formal education of the stage in preschool. This paper will discuss about the acceptance of technology as a method to teach that kids for financial literacy. With the development in technology at present, using of teaching based on technology was very important for all levels including children at preschool age. The Technology Acceptance Model (TAM) was widely used in studies related to the use of technology applications in society. There are two factors variables that will test on this paper. The first one was perceived useful and the second one was easy to use. Quantitative method will be used to collect all of data. The questionnaire survey was distributed to a total of 136 respondents which it’s have been use the financial literacy application incorporated as a tools to teach the kids. Findings of the study indicate the importance of technology as a medium to teach kids regarding the financial literacy.

scholarly journals Socio-Individual Prerequisites of Energy Transition in Iran: Investigating Public Acceptance of Solar Panel Technology in Rural Areas

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Sara Karimzadeh ◽  
Eva Kašparová
Keyword(s):  
Technology Acceptance ◽  
Rural Areas ◽  
New Technology ◽  
Energy Transition ◽  
Perceived Usefulness ◽  
Mediating Role ◽  
Iranian Government ◽  
Acceptance Model ◽  
Adoption Intention

Iran has inordinate natural capacity to benefit from solar energy all year. Interim plansby the Iranian government have been implemented to develop energy transition in ruralareas, however, the outcomes have not been promising so far. This research seeks toaddress the question of what factors influence villagers’ tendency towards solar panelacceptance for domestic usage. To answer the question, a survey was conducted amongresidents who had not installed the new technology in the survey time. A model basedon the modified framework of the Technology Acceptance Model for energy transitionwas developed and data was collected from the northern part of Iran—Mazandaranprovince. The data revealed that through the mediating role of attitude, the strongesteffect on adoption intention relates to perceived usefulness. The paper discusses whysolar energy technology is not welcomed in the studied community. The findingscontribute to increase our knowledge about underlying factors on the development ofpublic adoption of renewable energies in a developing country.

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

2021 ◽  
Vol 26 (1) ◽  
pp. 17-24
Author(s):  
Almi Budiman ◽  
◽  
Baruna Hadibrata ◽  
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Money Transfers ◽  
Acceptance Model

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

How is The Adoption of Digital Marketing Services for Smart City Application Users?

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Regina Eka Riantini ◽  
Viany Utami Tjhin ◽  
Robertus Nugroho Perwiro Atmojo
Keyword(s):  
Technology Acceptance ◽  
Smart City ◽  
Structural Equation ◽  
Mobile Apps ◽  
Digital Marketing ◽  
Coefficient Of Determination ◽  
Equation Modeling ◽  
Behavior Intention ◽  
Use Of Technology ◽  
Acceptance Model

Smart City Mobile Apps is currently being developed by property developers in major cities in Indonesia and is used by businesses to market their products through the application. The method used to see how well the implementation of digital marketing in Smart City Mobile Apps is to combine the TAM (Technology Acceptance Model) and UTAUT (Unified Theory of Acceptance and Use of Technology) models. Questionnaire data were processed using the Structural Equation Modeling (SEM) method. The results of the study stated that the company's digital marketing strategy through Smart City Mobile Apps is already good where it can be seen from the value of adoption of Smart City Mobile Apps users in utilizing this application which is quite large at 0.764 based on the coefficient of determination. The variable that most influences consumers to use applications in finding trade information in the Smart City is the attitude variable with an influence value of 0.412 and the behavior intention to use with an influence value of 0.726. This shows that the intention behavior of the application and the trust in the benefits of the application can encourage users to use this application for purchasing their daily needs.

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