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All Journal Ekuitas: Jurnal Pendidikan Ekonomi Bisma: Jurnal Bisnis dan Manajemen Jambura Economic Education Journal Risenologi Proceeding of International Conference on Entrepreneurship (IConEnt) Ekuitas Jurnal Pnedidikan Ekonomi Digismantech (Jurnal Program Studi Bisnis Digital)
I Gede Wisnu Satria Chandra Putra
Universitas Bunda Mulia
Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Mathematics Social Sciences Other

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Pengaruh Adoption Readiness terhadap Minat Penggunaan Aplikasi Bibit dengan Perceived Trust sebagai Mediasi Vanessa Evangelista Rudy; I Gede Wisnu Satria Chandra Putra; Anastasia Christy Arviana Montana; Regina Violyn Widjaja; Cindy Valentina Tamrin
Digismantech (Jurnal Program Studi Bisnis Digital) Vol 5, No 1 (2025): Jurnal Digismantech (Digital Business Management and Technology)
Publisher : Universitas Bunda Mulia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30813/digismantech.v5i1.8397

Abstract

AbstrakPerkembangan teknologi yang pesat telah memicu inovasi–inovasi baru termasuk dalam bidang ekonomi, dalam bentuk financial technology. Fintech mampu mempermudah transaksi pengguna dalam kehidupan sehari–hari, termasuk dalam berinvestasi. Salah satu perusahaan yang bergerak dalam bidang fintech investasi adalah Bibit. Penelitian ini bertujuan untuk meneliti pengaruh kesiapan adopsi terhadap minat penggunaan aplikasi Bibit dengan perceived trust sebagai mediasi. Penelitian ini menggunakan metode kuantitatif dan mampu mengumpulkan 151 responden melalui penyebaran kuesioner online dan 118 diantaranya merupakan responden yang memenuhi kriteria. Data yang telah didapat kemudian diolah dengan bantuan software SmartPLS. Hasil penelitian ini menunjukan bahwa tingkat kesiapan adopsi pengguna mampu mempengaruhi minat mereka dalam menggunakan aplikasi Bibit dan juga mempengaruhi tingkat perceived trust mereka. Tetapi perceived trust sendiri secara langsung maupun tidak langsung tidak mempengaruhi minat penggunaan aplikasi Bibit. Untuk penelitian selanjutnya, diharapkan peneliti dapat membahas lebih dalam faktor–faktor yang mempengaruhi minat penggunaan.Kata Kunci: Kesiapan adopsi, perceived trust, minat penggunaan.AbstractTechnology grows rapidly and triggers new innovations, including economic innovation in the form of financial technology. Fintech manages to simplify user transactions in everyday life, including investing. One of the companies who operates in the fintech investment sector is Bibit. This research aims to examine theinfluence of adoption readiness on intention to use Bibit with perceived trust as mediation. This research used quantitative methods and was able to collect 151 respondents through distributing online questionnaires and 118 of them met the criteria. The collected data is then processed with SmartPLS software. The results of this research show that user’s adoption readiness has an influence on their intention to use Bibit and their perceived trust. However, perceived trust has no direct nor indirect influence on intention to use Bibit. For further research, it is hoped that researchers can discuss in more detail the factors that influence the intention to use.Keywords: Adoption readiness, perceived trust, intention to use.
AI Literacy, Readiness, and Ecosystem Support in Student AI Adoption Agung Stefanus Kembau; I Gede Wisnu Satria Chandra Putra; Felliks Feiters Tampinongkol; Derick Raditya
Digismantech (Jurnal Program Studi Bisnis Digital) Vol 5, No 2 (2025): Jurnal Digismantech (Digital Business Management and Technology)
Publisher : Universitas Bunda Mulia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30813/digismantech.v5i2.9218

Abstract

Artificial intelligence has rapidly become a routine part of students’ academic workflows, reshaping how they learn, create, and complete tasks. This study examines the extent to which AI literacy and AI readiness influence AI adoption among university students, and whether an AI-supportive learning climate strengthens these relationships. Using data from 187 students in Jakarta, the research employs Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate both direct and moderating effects. The findings show that AI readiness is the strongest predictor of AI adoption, highlighting the importance of psychological preparedness, confidence, and openness toward AI tools. AI literacy also demonstrates a significant positive effect, suggesting that conceptual understanding, functional skills, and critical evaluation abilities are essential to meaningful AI integration. Furthermore, an AI-supportive learning climate positively moderates both relationships, indicating that institutional and instructional encouragement amplify the translation of literacy and readiness into actual adoption behavior. To enrich interpretation, the study also presents descriptive evidence of students’ primary purposes for using AI, which are largely tied to core academic activities such as completing assignments and understanding difficult concepts. Despite its contributions, the study is limited by its cross-sectional design, reliance on self-reported data, and focus on an urban sample. These limitations restrict causal inference and may not fully capture the diverse conditions across Indonesian higher education. Future research should incorporate longitudinal designs, broader regional samples, and mixed-method approaches to capture evolving patterns of AI engagement. Overall, the study contributes to a deeper understanding of how individual capabilities and supportive environments jointly shape AI adoption in higher education
Analysis Of Factors That Influence Generation Z'S Intention To Switch To Using Cloud Storage Services With The Push-Pull-Mooring Framework Tarigan, Arihta; Putra, I Gede Wisnu Satria Chandra; Nattassha, Ruth; Eldelin, Eldelin; Karina, Fiona
Jambura Economic Education Journal Vol 8, No 1 (2026): January 2026
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v8i1.32563

Abstract

This study focuses on analyzing Gen-Z's habits in using cloud storage services using the push-pull-mooring framework. Currently, Generation Z has widely used cloud storage services to facilitate their daily activities, supported by the many service providers offering cloud storage services with various types of services and different features. Various factors that encourage, attract, and moor (Push-Pull-Mooring) Generation Z to use cloud storage services in the form of SaaS (Software as a Service) services such as simplicity, usefulness, security, privacy, habit, and switching cost. The study was conducted using a quantitative method using purposive sampling. Data were processed using SPSS version 26. The results of the study based on data from 104 respondents are that habit has a partial effect on switching intention. Meanwhile, simplicity, usefulness, security, privacy, habit, and switching cost have a significant effect simultaneously on switching intention.
The Effect of Security Perception, Financial Literacy and Content Marketing on Mutual Fund Purchase Decisions on The Bibit Application with Trust As A Mediation I Gede Wisnu Satria Chandra Putra; Shirleen Alysia Valencia
Proceedings of the International Conference on Entrepreneurship (IConEnt) Vol. 5 (2025): Proceedings of the 5th International Conference on Entrepreneurship (IConEnt)
Publisher : Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study investigates the factors influencing consumer purchasing decisions on the Bibit mutual fund application, specifically examining the roles of perceived security, financial literacy, and content marketing, with trust acting as a mediating variable. Using a quantitative approach, data were collected from 95 respondents and analyzed using Structural Equation Modeling (SEM) with SmartPLS software. The results demonstrate that perceived security has a significant positive effect on user trust, whereas financial literacy and content marketing do not significantly influence trust. However, content marketing was found to significantly enhance financial literacy. Furthermore, trust significantly drives mutual fund purchase decisions and successfully mediates the relationship between perceived security and purchase decisions. These findings indicate that while educational content improves literacy, the perception of security is the primary driver of the trust required for users to commit to investment decisions on the platform.
Co-Authors Agung Stefanus Kembau Anastasia Christy Arviana Montana Anastasia Montana Chandra Hosen Cindy Tamrin Cindy Valentina Tamrin Derick Raditya Desy Natalia Devina Tasya Noverin Edina Diva Heryanto Eldelin, Eldelin Felliks Feiters Tampinongkol Garry Ferdinan Ginting, Jusia Amanda Halim Agung Karina, Fiona Nattassha, Ruth Rachel Wulan Nirmalasari Wijaya Regina Violyn Widjaja Rustono - Shirleen Alysia Valencia Shirleen Alysia Valencia Tarigan, Arihta Vanessa Evangelista Rudy Yenny Chie Oi Yen