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Journal : Enrichment: Journal of Multidisciplinary Research and Development

Analysis of Mobile Banking Adoption with a Modified Technology Acceptance Model (TAM) on the Mybca Mobile Banking Application Widjaja, Adeline Louisa; Noviaristanti, Siska
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 3 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i3.383

Abstract

Digital transformation is reshaping all industries, including the banking sector. One key driver is the shift in customer behavior toward smartphone-based financial transactions. Bank BCA introduced the myBCA mobile banking application to address this trend; however, its adoption remains relatively low. This study investigates the factors influencing customer adoption of myBCA, addressing a research gap in understanding mobile banking adoption in the context of a new platform with low user uptake. The study extends the Technology Acceptance Model (TAM) by integrating six additional variables: Perceived Trust (PT), Social Influence (SI), Perceived Risk (PR), Perceived Security (PS), and Habit (HT), alongside Perceived Usefulness (PU) and Perceived Ease of Use (PEU). Intention to Use (ITU) is positioned as a mediating variable. Data were collected from 400 respondents via online surveys using simple random sampling. Analysis was conducted using PLS-SEM with SmartPLS. Results indicate that PU, PEU, PT, SI, PS, and HT positively influence Adoption of Mobile Banking (AMB) through ITU, while PR has a negative effect. ITU explains 59.5% of the variance, while AMB is explained by 48.1%. The novelty of this research lies in its comprehensive model that incorporates behavioral, security, and trust-related variables to explain adoption in a newly launched mobile banking platform—an area not widely examined in existing TAM-based studies. This study offers theoretical contributions for future research and practical insights for Bank BCA to enhance myBCA adoption by focusing on trust-building, security assurance, and habitual engagement strategies.
Analysis Of The Adoption Of The Use Of The Indonesian Standard Quick Response Code (Qris) Using The Development Of The Technology Acceptance Model (Tam) In Msmes In Tarakan City Arifin, Andry; Noviaristanti, Siska
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 4 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i4.423

Abstract

In Tarakan City the increase in the number of QRIS users was followed by an increase in the number of QRIS merchants but did not reach the desired level. Recorded in the National Merchant Respository (NMRI) as much as 45.76% from the end of 2019 to June 2024. The purpose of this study is to analyze the use of QRIS for MSMEs in Tarakan City through the integration of the Technology Acceptance Model (TAM) model and the addition of other variables. The research findings indicate that Social Influence, Perceived Ease of Use, Perceived Trust, Perceived Value, and Intention to Use have a significant influence on the adoption of QRIS by MSMEs in Tarakan City. Conversely, Attractiveness of Alternatives, Perceived Security, and Perceived Usefulness do not show a significant direct influence on Intention to Use. These findings suggest that social encouragement, ease of use, trust, and perceived value are key factors in driving the acceptance of QRIS, while the attractiveness of alternatives and perceived security play a limited role in this context. This study provides practical implications for MSME actors and Bank Indonesia to enhance socialization, training, and trust in QRIS to achieve more optimal adoption targets
Analysis of M-Commerce Adoption in Online Food Delivery Services Using the TAM3, UTAUT2, and TOE Models in MSMES in the Food and Beverage Sector in the Central Parahyangan Area, West Java Pradichytama Raksawaruga, Muhammad Farrell; Noviaristanti, Siska
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 6 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i6.476

Abstract

Mobile commerce in online food delivery services (OFDS) is a technological innovation designed to simplify digital business operations. The increasing adoption of mobile commerce in OFDS demonstrates significant interest in the local community as a means of conducting business digitally. The Central Parahyangan region of West Java has seen a significant surge in adoption of this technology. The purpose of this study is to analyze mobile commerce adoption in OFDS using the TAM3, UTAUT2, and TOE models in the Central Priangan region of West Java. This study identifies the conditions and influences of mobile commerce adoption in online food delivery services, using the variables Computer Self-Efficacy (CSE), Computer Anxiety (CA), Result Demonstrability (RD), Mobile-Commerce Knowledge (MCK), Pressure from Trading Partners (PTP), Pressure from Competitors (PC), and Hedonic Motivation (HM) on mobile commerce adoption. The results of the study indicate that Computer Self-Efficacy, Computer Anxiety, Result Demonstrability, Mobile Commerce Knowledge, Pressure from Trading Partners, Pressure from Competitors have a significant influence on the adoption of m-commerce on OFDS among MSMEs in the food and beverage sector in the Central Priangan area, West Java. At the same time, Hedonic Motivations as a moderating variable of Computer Self-Efficacy, Computer Anxiety, and Result Demonstrability also have a significant influence on Mobile Commerce Adoption. These findings indicate that self-confidence, demonstrated results, pressure from peers and competitors, and hedonic motivations are crucial in driving OFDS adoption. This study provides implications for MSMEs to be more exposed to OFDS technology in order to achieve more adequate adoption targets.