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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 Abda Abda Adhiyani, Muhammad Rayyan Ahmad Alim Bachri Ahmad Rifani Aisyah, Lisda Akhid Yulianto Akimas , Hari Nugroho Al Amin, Achmad Rizal Alfian Noor Andi Mulyadi Anna Nur Faidah Aprianti Ariyadi, Eko Aryanto, Ari Cyntia Puspita Dahniar Dahniar Dahniar Dahniar Dahniar Dahniar, Dahniar Darullah, Muhammad Daral Deni Aditya Deni Jauhari Didik Arif Raihan Doni Stiadi F. R. Dalimunthe Fariany, Gusti Rina Fifi Swandari Hari Nugroho Akimas Hayati, Diana Hendro Wibowo Hendy Saifuddin, Muhammad Imam Suharto Ismat Valiyev Jauhari, Deni Khairunnisa Khairunnisa Kurniawan, Deni Aditya Kusumawardani, Vivi Pancasari Laila Refiana Said Laila Refiana Said M. Haikal Wahyudi Malihah, Lola Marijati Sangen Marijati Sangen Marijati Sangen, Marijati Maya Sari Dewi Maya Sari Dewi Maya Sari Dewi, Maya Sari Muhammad Ary Aprian Noor Muhammad Ary Aprian Noor Muhammad Hendy Saifuddin Mutamadra, Junan Noor Khatimah Nur Zata Yusrina Prihatiningrum, RR. Yulianti Purwaningsih, Ani Puteri, Aulia Qomari, Nurul R.R. Yulianti Prihatiningrum Raden Roro Yulianti Prihatiningrum Rafli, Muhammad Raihan Rahadhian, Liko Noor Rafianto Rahman, Seto Fauzi Ridhanoor, Muhammad Rifqi Rini Rahmawati Rini Rahmawati, Rini Rizkya, Syafa ROHANA FARIDAH RR. Yulianti Prihatiningrum Rusniati Rusniati Shilma Irvania Simaremare, Rissan Siska Hardiyanti Putri Siti Fatimah Sofwati, Nely Noer Sudarwati Suharto, Imam Suyatno Suyatno Sya'ban, Rahmat Syahputra, Muhammad Dio Tias Muji Hartono Wahyudi, M. Haikal Wahyudi, Muhammad Haikal Wandari, Wimby Wimby Wandary Yoga Adi Prayogi Yohan Indrawan Yolanda, Erika Yulianti Prihatiningrum Zakhyadi Ariffin Zulpa Makiah