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All Journal Jurnal Penelitian Ekonomi dan Bisnis
Erix Galih Pratama
Universitas Dian Nuswantoro Semarang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Cryptocurrency Adoption Under Institutional Dualism Extending Technology Acceptance Model Among Indonesian Generation Z Erix Galih Pratama; Melati Oktafiyani; Hayu Wikan Kinasih; Dian Festiana Hadi Saputro; Mohamed Abdualwhab Ali Alfared
Jurnal Penelitian Ekonomi dan Bisnis Vol. 11 No. 2 (2026): September 2026
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v11i2.17793

Abstract

This study examines how perceived usefulness, ease of use, and perceived risk mediate the relationship between technology awareness and behavioral intention to adopt cryptocurrency among Indonesian Generation Z, with government support as a moderator under institutional dualism. A quantitative cross-sectional design was executed using Partial Least Squares Structural Equation Modeling (PLS-SEM) on a sample of 335 respondents ( ). Results reveal that perceived usefulness (indirect effect = 0.291, ) and ease of use (indirect effect = 0.158, ) significantly mediate adoption intention, whereas perceived risk does not (indirect effect = 0.011, ). Crucially, perceived risk directly predicts intention positively ( , ), indicating Generation Z perceives risk as a signal of high return potential rather than a barrier. Government support moderates only the awareness, ease of use, and intention pathway (Index of Moderated Mediation = 0.014, ). This study establishes institutional ambiguity as a critical boundary condition for technology acceptance models, where regulatory dissonance suppresses or inverts classical risk mediation. Policy effectiveness hinges on harmonizing regulatory frameworks between financial and monetary authorities.
Co-Authors Dian Festiana Hadi Saputro Hayu Wikan Kinasih Melati Oktafiyani Mohamed Abdualwhab Ali Alfared