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All Journal SENTRALISASI JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Jurnal Simki Economic Jurnal Abdimas Akademika JOMPA ABDI: Jurnal Pengabdian Masyarakat KIC SENMEA Prosiding Simposium Nasional Manajemen dan Bisnis
Zulistiani, Zulistiani
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : SENTRALISASI

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Acceptance of Digital Financial Applications by Students: A Qualitative Study Using the Technology Acceptance Model Approach Paramitha, Dyah Ayu; Zulistiani, Zulistiani; Puspita, Erna
SENTRALISASI Vol. 15 No. 1 (2026): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i1.5005

Abstract

The purpose of this study is to delve deeper into the acceptance of financial application technology based on the technology acceptance model  theory (TAM) by students who have taken investment management courses, with indicators of perceived usefulness (PU), perceived ease of use (PEU), attitude toward use (ATU), and behavioral intention (BI). This study employed a qualitative approach with thematic analysis tailored to the indicator themes. Data for this study were obtained from an open-ended questionnaire completed by 33 student respondents. The results indicate that students considered digital financial applications helpful in recording expenses, budgeting, and supporting their investment learning. Perceived usefulness and ease of use shaped positive attitudes and intentions to use the applications continuously. However, several concerns arose, including cost, data privacy, connection stability, and the complexity of certain features. This study suggests that there are lessons to be learned in the use of digital financial applications at the higher education level and also provides implications for future learning development and application design.
Co-Authors Adela, Meylani Luthfi Afifa, Dias Ro'ul Aini, Silvi Nur Aliami, Sri Amalia, Lahmirza Aula Annisa, Aulia Antika, Rindy ARRIDHO, MOH. BASIT Arringga, Lutvia Titis Badi’ati, Nabilatul Dewa Bagaskara, Ardha Dewi, Aulia Tri Nanda Dewi, Novi Fitriana Dewi, Retno Dwi Kartika Diah Nurdiwaty Ema Nurzainul Hakimah, Ema Nurzainul Fadila, Sanggita Nur Faisol Faisol Fathoni, Mohammad Ryan Febriani, Diyah Putri Ferdiana, Aprilisa Frincessa Syifa GESTY ERNESTIVITA Hadi, Dodi Kusuma Imam Bukori, Imam Irfan Romadhony , Rahmad Ismayantika Dyah Puspasari ISMAYANTIKA DYAH PUSPASARI, ISMAYANTIKA DYAH Kholila, Nova Nor Kurniasari, Mariana Laili Kurniawan, Rony Kusnuariyanti, Nadila Intan Lina Rahmawati Linawati Linawati Mahfudzoh, Fenia Mira, Miranda Nafisa, Milatun Paramitha, Dyah Prasetya, Alvin Deva Puji Winarko, Sigit Puspita, Erna Putri, Ananda Eka Putri, Sella Anggraini Rabiatul Adawiyah raharjo, itot bian Rino Sardanto Safitri, Dina Samari, Samari Saputri, Istyani SB, Sigit Wisnu Shintaro, Margareta Sigit Ratnanto Soim, Dwi Nariyatus Sri Widiawati , Hestin Subekti, Crystian Susi Damayanti, Susi Wahyu Widodo Wardani, Indri Kusuma Wisnu Setya, Sigit Yudho L, Poniran