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Journal : arkus

The Limits of Resilience: Why Self-Efficacy Fails to Mitigate Technostress during Radical Core Banking Transformations Siska Hardiyanti Putri; Laila Refiana Said; Meiske Claudia; Doni Stiadi; Anna Nur Faidah
Arkus Vol. 12 No. 1 (2026): Arkus
Publisher : HM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37275/arkus.v12i1.860

Abstract

The digitalization of the banking sector has shifted from a competitive advantage to a survival imperative. However, the migration to radical Core Banking Systems often precipitates Technostress, a phenomenon that threatens employee well-being. This study investigates the impact of Technostress on Work-Life Balance among banking professionals during a high-stakes digital transformation involving the implementation of the Temenos T24 system. Crucially, it challenges the prevailing assumption that individual Self-Efficacy serves as a universal buffer against these stressors. A quantitative, explanatory study was conducted on a purposive sample of 107 frontline and back-office staff at a Regional Development Bank in Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling with SmartPLS 4.0 to assess the measurement and structural models. The findings reveal that Technostress exerts a potent and significant negative effect on Work-Life Balance (path coefficient -0.29, p value 0.000). Paradoxically, and contrary to established theoretical expectations, Self-Efficacy failed to moderate this relationship (path coefficient 0.06, p value 0.500). In conclusion, the study identifies a Limit of Resilience, suggesting that during radical and structural technological upheavals, individual psychological resources such as Self-Efficacy are overwhelmed by systemic techno-overload and invasion. This shifts the onus of intervention from individual coping strategies to organizational job redesign.
Co-Authors ., Isma'il A Suriansyah Abdul Basit Achmad Humaidi Adeeb Alhebri Adhiyani, Muhammad Rayyan Adinata, Muhammad Hendardi Adistya Dewi Ariffin Ahmad Rifani Akhmad Supriyanto Anam Iqbal Anna Nur Faidah Arief Budiman Ariffin, Adistya Dewi Asmawatiy, Cici August Tantowi Azizah, Fathia Azmi Azhari Primadana Cici Asmawatiy Claudia, Meiske Dahniar ., Dahniar Dahniar, Dahniar DARMANSYAH . Darmansyah Darmansyah Darullah, Muhammad Daral Ditta Rahmatika Doni Stiadi Dwiyanti, Lestari Ejaz Aslam Eka Saprudin Eka Saprudin Elaine Tjeng Eprinalia A Eprinalia A Erna Rusnani Fariany, Gusti Rina Fifi Swandari Fifi Swandari Fitriansyah, Ricky Gugi Gustaman Hamjen, Hilarion Hussein, Rizky Caesariza Saddam Ikhwan Faisal Indra Jaya Saputra Indra Jaya Saputra Intan Wulansari Wulansari Ira Akhmadi Ira Akhmadi Isma’il Jayen, Fredy Krittika Chandran Lestari Dwiyanti Listi Armea M Ziyad M. Haikal Wahyudi M. Yamani Malik Shahzad Shabbir Meiske Claudia Minarti Limantara Minarti Limantara Mohammad Jaradat Mohammad Yudy Rachman Muhammad Azeem Rahman Krisdianto Muhammad Hendardi Adinata Muhammad Qasim Ali Muhammad Riza Firdaus Muhammad Shadiq Arifin Muhammad Yamani Mukhlan khariry Noraina Noraina Nuril Huda Patardo Haholongan Nainggolan Patardo Haholongan Nainggolan Prasetyo Yuli Usaid Prihatiningrum, RR. Yulianti Puspasari, Nelly R.R. Yulianti Prihatiningrum Raden Roro Yulianti Prihatiningrum Raden Roro Yulianti Prihatiningrum Raden Topan Aditya Rahman Rezki Noor Alisa Rini Rahmawati Rini Rahmawati, Rini Rizky Caesariza Saddam Hussein Rizkya, Syafa Rusniati Rusniati Rusniati Rusniati Sagita, Refina Dara Nur Said, Meldasari Salem Hamad Aldawsari Siska Hardiyanti Putri Siti Aliyati Albushairi Siti Aliyati Albushari Siti Fatimah Sufi Jikrillah Sukmo Hadi Nugroho Syahrial Shaddiq Syed Ahtsham Ali Tantowi, August Tjeng, Elaine Usmiati Widyarfendhi Widyarfendhi Wimby Wandary Wulansari, Intan Wulansari Yeni Susanty Zakhyadi Ariffin