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PERAN UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT) DALAM MEMPREDIKSI ADOPSI LAYANAN INTERNET BANKING DI ERA DIGITAL: STUDI PADA MASYARAKAT INDONESIA Wisnu Yuwono; Stefanie; Badriatul Mawadah
Branding: Jurnal Manajemen dan Bisnis Vol 5 No 2 (2026): BRANDING: Jurnal Manajemen dan Bisnis
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jb.v5i2.59642

Abstract

Transformasi digital telah mendorong perkembangan layanan perbankan berbasis teknologi, termasuk internet banking, namun adopsi di Masyarakat Indonesia. Tujuan penelitian ini untuk mengetahui bagaimana pengaruh komponen Unified Theory of Acceptance and Use of Technology (UTAUT) terhadap niat masyarakat Indonesia dalam mengadopsi layanan internet banking. Metode studi ini menerapkan pendekatan berupa kuantitatif dengan teknik pengambilan sampel yang bersifat purposive. Data utama dikumpulkan melalui kuesioner yang diisi oleh 245 peserta yang telah memiliki pengalaman dalam menggunakan internet banking. Metode analisis yang digunakan adalah Partial Least Squares (PLS) untuk mengevaluasi keterkaitan antara variabel-variabel. Hasil penelitian mengindikasikan bahwa setiap elemen UTAUT berpengaruh positif dan signifikan terhadap intention to adopt. Model memiliki kecocokan yang baik, sedangkan kemampuan prediksi terhadap niat adopsi berada pada kategori moderat. Penelitian ini menyimpulkan bahwa manfaat yang dirasakan, kemudahan penggunaan, pengaruh lingkungan dan faktor yang berkaitan dengan niat seseorang dalam memanfaatkan layanan internet banking di Indonesia.
INVESTMENT DECISION-MAKING IN IPO AND STOCK MARKETS: THE MEDIATING INFLUENCE OF FEAR OF MISSING OUT Badriatul Mawadah; Anastassia Joan Liu; Candy Candy; Yulfiswandi
BEMJ: Business, Entrepreneurship, and Management Journal Vol. 5 No. 1 (2026)
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/kevebf86

Abstract

This study investigates how behavioral biases and financial literacy shape investors’ decisions in the stock market. The proposed model integrates herding behavior, loss aversion, and financial literacy while incorporating Fear of Missing Out (FOMO) as a mediating mechanism linking behavioral tendencies to investment decisions. Data were collected from 331 Indonesian capital market investors, with the sample predominantly consisting of young adults and students, and analyzed using (PLS-SEM). The results reveal that loss aversion and financial literacy significantly influence investment decisions, whereas herding behavior does not demonstrate a significant direct effect. However, the indirect analysis shows that FOMO mediates the relationships between both herding behavior and loss aversion and investment decisions. These results suggest that investors’ decisions are shaped not only by financial knowledge and individual cognitive tendencies but also by emotional responses arising from social influences and perceived investment opportunities. By integrating cognitive, financial, social, and emotional factors within a single framework, this study provides further insight into investment decision-making from a behavioral finance perspective
FROM CARBON EXPOSURE TO RISK MITIGATION: THE STRATEGIC ROLE OF ESG PERFORMANCE Isnaini Nuzula Agustin; Raymond Willim; Badriatul Mawadah
Distribusi - Journal of Management and Business Vol. 14 No. 2 (2026): Distribusi, September 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i2.709

Abstract

Indonesia's economic growth has been closely linked to carbon risk over the past few decades, which has posed a threat to market risks. Although Indonesia has recently viewed carbon risk as a threat, government regulations and policies can influence fluctuations in firm stock performance. Therefore, Environmental, Social, and Governance (ESG) is a moderating variable that can mitigate this issue. Using panel data consisting of 389 firm-year observations from 71 companies listed on the Indonesia Stock Exchange, this study distinguishes the impact of carbon emissions on two firm risk dimensions: idiosyncratic risk and systematic risk. The findings indicate that carbon risk significantly influences both idiosyncratic risk and systematic risk in the baseline model. Furthermore, ESG performance has a weakening effect on the relationship between Carbon Risk and systematic risk. This demonstrates the important role of ESG performance indicators in mitigating corporate risk at the macro level. These results emphasize the role of ESG performance not only as a measure of regulatory compliance but also as an important safeguard for companies facing low-carbon transitions in the Indonesian capital market.