Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model
Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model
Author(s): Ayatulloh Michael Musyaffi, Razana Juhaida Johari, Ida Rosnidah, Dwi Kismayanti Respati, Christian Wiradendi Wolor, Muhammad YusufSubject(s): Business Economy / Management, ICT Information and Communications Technologies
Published by: UIKTEN - Association for Information Communication Technology Education and Science
Keywords: Behavioural Intention; Digital Banking; TAM; Technology Adoption; Technology Readiness;
Summary/Abstract: Digital banking can make banking transactions easier in daily life. However, the presence of technology does not seem to be welcomed. This is due to the unpreparedness of technology for digital banking technology. The target respondents are millennial generation users in Indonesia who use digital banking services during post-corona virus. The sample selection using random sampling with 422 respondents. The data analyses were performed using SEM-PLS. The results show that Optimism, Discomfort, and Insecurity affect the acceptance of digital banking based on perceived ease of use and usefulness. However, Innovativeness has no connection on perceived usefulness. This is because post-covid conditions, the most important thing is how digital banking can support survival. They also argue that digital banking can make it easier and useful for daily life, especially in payment features connected.
Journal: TEM Journal
- Issue Year: 11/2022
- Issue No: 2
- Page Range: 683-694
- Page Count: 12
- Language: English