Garuda - Garba Rujukan Digital

Adoption of E-Wallets in Timor-Leste: An Extended UTAUT Approach Gusmao, Mazarino Neil Araujo Pires Leite; Hidayanto, Achmad Nizar; Isal, Yugo Kartono; Wibowo, Wahyu Catur
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1191

This study investigates the factors influencing the adoption of e-wallets in Timor-Leste using an extended Unified Theory of Acceptance and Use of Technology framework. Incorporating context-specific variables digital literacy, trust, inertia, merchant availability, and socialization and campaign the research employs a quantitative approach with data collected from 338 respondents through structured questionnaires. Analysis using Partial Least Squares Structural Equation Modeling reveals that four variables performance expectancy (β = 0.325), digital literacy (β = 0.161), socialization and campaign (β = 0.117), and trust (β = 0.321) significantly influence intention to use e-wallets. Trust emerged as the most influential factor, underscoring the need for secure, transparent systems to encourage adoption. Surprisingly, effort expectancy, social influence, digital infrastructure, merchant availability, and inertia were found to be non-significant. The model explains 77.1% of the variance in intention to use, with a high predictive relevance (Q² = 0.753). These findings suggest that user adoption in low-infrastructure contexts depends more on perceived trust and technological competence than on ease of use or peer influence. The results provide strategic insights for policymakers, service providers, and development actors aiming to promote financial inclusion through digital services in emerging economies like Timor-Leste.

Adoption of E-Wallets in Timor-Leste: An Extended UTAUT Approach Gusmao, Mazarino Neil Araujo Pires Leite; Hidayanto, Achmad Nizar; Isal, Yugo Kartono; Wibowo, Wahyu Catur
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1191

This study investigates the factors influencing the adoption of e-wallets in Timor-Leste using an extended Unified Theory of Acceptance and Use of Technology framework. Incorporating context-specific variables digital literacy, trust, inertia, merchant availability, and socialization and campaign the research employs a quantitative approach with data collected from 338 respondents through structured questionnaires. Analysis using Partial Least Squares Structural Equation Modeling reveals that four variables performance expectancy (β = 0.325), digital literacy (β = 0.161), socialization and campaign (β = 0.117), and trust (β = 0.321) significantly influence intention to use e-wallets. Trust emerged as the most influential factor, underscoring the need for secure, transparent systems to encourage adoption. Surprisingly, effort expectancy, social influence, digital infrastructure, merchant availability, and inertia were found to be non-significant. The model explains 77.1% of the variance in intention to use, with a high predictive relevance (Q² = 0.753). These findings suggest that user adoption in low-infrastructure contexts depends more on perceived trust and technological competence than on ease of use or peer influence. The results provide strategic insights for policymakers, service providers, and development actors aiming to promote financial inclusion through digital services in emerging economies like Timor-Leste.

Implementasi Privacy-Preserving Record Linkage untuk Meningkatkan Manajemen Hubungan Pelanggan: Studi Kasus pada Perusahaan Manufaktur di Indonesia Muhamad Ikbal; Achmad Nizar Hidayanto; Ni Wayan Trisnawaty; R. Yugo Kartono Isal
The Indonesian Journal of Computer Science Vol. 14 No. 3 (2025): The Indonesian Journal of Computer Science
Publisher : AI Society & STMIK Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33022/ijcs.v14i3.4892

As cross-organizational collaboration increases, balancing data utility with privacy protection becomes essential. This study addresses the challenge by implementing Privacy-Preserving Record Linkage (PPRL) using a deterministic hashing approach at an Indonesian manufacturing firm and a leasing company. The system employs a dual-layer hashing technique (MD5 followed by salted SHA-256) to securely link standardized identifiers without revealing raw personal data. The objective was to enhance Customer Relationship Management (CRM) by identifying shared customers for targeted outreach. The approach yielded 2.6 million matched records out of over 36 million, enabling the leasing firm to achieve a 2-4% conversion rate through personalized campaigns. Results demonstrate high efficiency, scalability, and compliance with Indonesia’s data protection law, offering a replicable framework for privacy-conscious data integration in regulated environments.

Assessing BI Maturity: Government Financial Sector Case Study Sihotang, Jhon Rafles; Hidayanto, Achmad Nizar; Isal, Yugo Kartono
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 3 (September 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i3.1203

This study assesses the implementation maturity of a Business Intelligence system within a government organization in the Indonesian financial sector. The primary objectives are to evaluate the current maturity level and to formulate evidence-based recommendations for enhancement. The research employs a mixed-methods approach, utilizing the Business Intelligence Maturity Model as the analytical framework. Data was gathered from organizational documents, direct observation, a questionnaire survey of 13 system users, and in-depth interviews with four key stakeholders. The results indicate an overall BI maturity at Level 3: Information Integration. Despite this, five sub-dimensions scored poorly: Technical Data Management, Analysis Functionality in Applications, Reporting Capability in Applications, System Availability, and Profitability Calculation, signifying suboptimal implementation in these areas. The study concludes that the BI implementation is only partially successful and has not reached its intended potential. To advance to a higher maturity level, the organization must address the identified weaknesses, particularly in data management, application functionality, and system governance. This study offers practical guidance for organizational improvement and enriches limited academic literature on BI maturity in developing-country public financial institutions.

Assessing BI Maturity: Government Financial Sector Case Study Sihotang, Jhon Rafles; Hidayanto, Achmad Nizar; Isal, Yugo Kartono
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 3 (September 2025): Accepted
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i3.1203

This study assesses the implementation maturity of a Business Intelligence system within a government organization in the Indonesian financial sector. The primary objectives are to evaluate the current maturity level and to formulate evidence-based recommendations for enhancement. The research employs a mixed-methods approach, utilizing the Business Intelligence Maturity Model as the analytical framework. Data was gathered from organizational documents, direct observation, a questionnaire survey of 13 system users, and in-depth interviews with four key stakeholders. The results indicate an overall BI maturity at Level 3: Information Integration. Despite this, five sub-dimensions scored poorly: Technical Data Management, Analysis Functionality in Applications, Reporting Capability in Applications, System Availability, and Profitability Calculation, signifying suboptimal implementation in these areas. The study concludes that the BI implementation is only partially successful and has not reached its intended potential. To advance to a higher maturity level, the organization must address the identified weaknesses, particularly in data management, application functionality, and system governance. This study offers practical guidance for organizational improvement and enriches limited academic literature on BI maturity in developing-country public financial institutions.

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