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Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi Hanif Astika Kurniawati; Alfi Arif; Wahyu Agus Winarno
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 4 No. 1 (2017): e-JEBA Volume 4 Nomor 1 Tahun 2017
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v4i1.4563

Abstract

This study aimed to analyze the factors that may affect students' perceptions about the intention to use mobile bankingapplications to support their daily activities. The research model was developed using a Technology Acceptance Modeldeveloped by Davis (1989), and by including three external variables that experience, complexity, and gander. The researchmodel empirically tested using data from a survey of students at the University of Jember. The sampling method in this studyusing a clustered random sampling. The questionnaire of 120 students who receive offers mobile banking service that qualifiesas a sample analyzed using Structural Equation Modelling (SEM) using AMOS 22.0. The results showed that all constructs inthe original TAM model was statistically significant. On the other hand, gender as external variables in this study had no effecton perceived usefulness and perceived ease of use. The implications of this study are relevant for students who are interested inusing mobile banking in order to better take into account the experience and ease of use. Mobile banking users is expected tobe more confident with using mobile banking can simplify their banking activity.
Internal Capabilities and Sustainable Economic Performance of SMEs: A Resource-Based Systematic Review Ardhya Yudistira Adi Nanggala; Alwan Sri Kustono; Wahyu Agus Winarno; Siti Maria Wardayati
Indonesian Journal of Enterprise Architecture Vol. 3 No. 3 (2026): Indonesian Journal of Enterprise Architecture
Publisher : Global Research and Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/ijea.v3i3.832

Abstract

This study aims to systematically synthesize how the configuration of internal capabilities drives sustainable profit growth in Small and Medium Enterprises from a Resource-Based View perspective. This research employs a Systematic Literature Review guided by the PRISMA 2020 protocol and analyzes 121 peer-reviewed journal articles indexed in Scopus and published between 2020 and 2025. The review focuses on three critical internal capabilities, namely the utilization of digital technology, accounting, and entrepreneurial capability, and examines their roles in shaping sustainability-oriented performance outcomes. The findings demonstrate that accounting capability is a core, knowledge-based capability. Digital technology is as a strategic enabler depends on its integration with firm-specific internal capabilities. Entrepreneurial capability emerges as an orchestrating capability that aligns accounting and digital capabilities. The synthesis reveals that the interaction and configuration of internal capabilities best explain sustainable profit growth in SMEs. The results contribute to theory by extending the RBV toward an integrative, dynamic perspective, positioning sustainable profit growth as a strategic outcome of internal capability configuration. The findings suggest that SME upgrading strategies and public policy interventions prioritize strengthening accounting and entrepreneurial capabilities alongside digitalization initiatives to achieve long-term economic resilience and sustainability.