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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 Abdul Hadi Hardian Abdul Majid Habibi Aflah, M Fiandi Nur Afriza Budi Pratama Agoes, Khansa Khalilah Savitry Agustina Rahmah Ahmad Alim Bachri Ahmad Daha Saputra Ahmad Ridho Ahmad Rifani Ahmad Shaf'an Ridhani Ainun Nisa Putri Pratiwi Aisyah Alfarazy, M Rio Alfina Ramadhanti Ali Zainal Abidin Alya Nur Afifah Rahmi Amanda Fauzia Yasmin Anisa Fadhila Rahmi Anisa Fitria Annisa Fitriani Arya Rezky Khaidir Azkiya, Rizky Baihaqi, Ahmad Chris Kelvin Timothi Christabel Tirtadjaya Claudia, Meiske Cut Karina Putri Daut Yahya Della Prastika Ayudha Dhea Oktavia Sinaga Dhini Dhini Dinda Arum Sekarsari Doni Stiadi Elisabeth Nathania Angelica Gultom Endang Lestari Fadhila Pasha Rahmadina Putri Fauzan, M Hafidz Firzatullah, M Dimas Hafizah, Almira Nur Hakim, Muhammad Ridho Dewara Halimatus Sa’diah Hendra Kustiono Henidinia Tricahya Irma Safitri Katuuk Jahrah, Siti Khodijah, Karlina Kurniawan, Eki Laila Refiana Said Liyanti, Saputri Diva M. Zainal Abidin M. Zainal Abidin Mahmudah Mahmudah Manusiwa, Gloriyo Alexius Johnatan Mewatia Silitonga Mubasir, Akhmad Muhammad Abdil Fahriza Muhammad Aris Fadillah MUHAMMAD ILHAM Muliana, Ana Mutiara Azzahra Nadya Putri Ahlina Nasya Amanda Rifianti Nazmah, Navia Nisrina Najla Deasianti Noor Azizah Noor Diana Norcahaya Norcahaya Pratama, Sandrino Surya Puput Legita Putra, Ahmad Zaky Rahmadayanti, Nadya Rahmah, Agustina Rahman, Yuliana Ramadhan, M Rifqi Ratih Pranawa Widagda Reza Aurea Rabbanie Risky Aulia Handayani Rizka Ramadhani Rizky Fadillah Rizky Nazzara Rohima, Annisa Ryan Agustin Sabrina Tsalsadifa Sahra Wardi Sandy Firdaus Saputra, Ahmad Daha Siska Hardiyanti Putri Siti Patimah Sitti Musyarrofah Sudirwo Sudirwo Syarofah Zahra Syifa, Nadiyatus Tinik Sugiati Tri Reski Muchtar Triana Ayu Wulandari Umi Fatonah Virna Ramada Fitri Zenitadion, Velgis Zuliana Agustin