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All Journal International Journal of Economics Development Research (IJEDR)
Kasidi, Davet
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Economics, Econometrics & Finance Social Sciences

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Enhancing Economic Participation through Technology: A Modified TAM Study on BIONS at the Investment Gallery Hutami, Lusia Tria Hatmanti; Pratama, Yhoga Heru; Kusuma, Nala Tri; Ningrum, Nonik Kusuma; Kasidi, Davet
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 4 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i4.8096

Abstract

The development of digital technology has brought significant changes in various aspects of life, including in the investment sector. One of the widely used investment applications in Indonesia is BIONS (BNI Sekuritas Innovative Trading System), developed by BNI Sekuritas. This study aims to analyze how Perceived Ease of Use, Perceived Usefulness, and Perceived Enjoyment affect Actual Usage in BIONS applications with Intention to Use as a mediating variable. The model developed in this study uses TAM modification by adding the perceived enjoyment variable. The distribution of this questionnaire is aimed at users who use the BIONS application at the Investment Gallery in Yogyakarta, Indonesia. The researcher used a purposive sampling method with a total of 100 respondents. The results showed that Perceived Ease of Use, Perceived Enjoyment, and Intention to Use had a significant effect on actual usage, while perceived usefulness had not affect significantly.
Co-Authors Hutami, Lusia Tria Hatmanti kusuma, nala tri Nonik Kusuma Ningrum Pratama, Yhoga Heru