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All Journal Journal of Management - Small and Medium Enterprises (SME's) Jurnal Sosial dan Teknologi
Kartika, Candra
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Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Engineering Environmental Science Law, Crime, Criminology & Criminal Justice

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DO WE STILL NEED HUMAN IN DIGITAL BANKING? REDESIGN OF ARTIFICIALLY INTELLIGENT DEVICE USE ACCEPTANCE (AIDUA) MODEL MODERATED BY GENDER DIFFERENCES Kartika, Candra; Santoso, Ignatius Hari
Journal of Management Small and Medium Enterprises (SMEs) Vol 18 No 3 (2025): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v18i3.22630

Abstract

This study modifies and tests the Artificially Intelligent Device Use Acceptability (AIDUA) model in the Indonesian setting to assess consumer acceptability of Artificially Intelligent Devices (AIDs) in digital banking services. The study specifically examines how performance expectancy, hedonic incentive, social influence, and perceived intrusiveness influence users' desire to use AIDs. It also looks at how gender regulates this willingness. 96 legitimate respondents with prior experience with AI-based digital banking services provided data for the study, which used a quantitative explanatory research approach. Both measurement and structural models were evaluated through the use of Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0. The findings indicate that hedonic motivation, social influence, and perceived intrusiveness significantly affect willingness to use AIDs, while performance expectancy does not. Additionally, gender does not moderate the relationship between the cognitive constructs and behavioral intention. The model explains 94.8% of the variance in users' willingness, suggesting strong explanatory power. The results suggest that, from a practical perspective, financial institutions should place more emphasis on AI interfaces that are emotionally compelling, socially acceptable, and privacy-preserving than just performance advantages. This study contributes to our understanding of AI's adoption in banking and offers valuable insights for developing digital banking systems that are inclusive and trustworthy. Keywords: Social Influence; Performance Expectancy; Perceived Intrusiveness; Hedonic Motivation; Willingness to use AI Device; Digital Banking
Meningkatkan Achievement Productivity Overburden Hauler HD785/CAT777 Dengan Penerapan Fleet Management System-Onboard Fleetsafe Assist Tanamal, Toni; Kartika, Candra; Jannah, Sevira Nur; P, Yoga Setya; Alfitri, Donny
Jurnal Sosial Teknologi Vol. 6 No. 1 (2026): Jurnal Sosial dan Teknologi
Publisher : CV. Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsostech.v6i1.32670

Abstract

The actual productivity of overburden loading equipment for the period January to March 2024 of PT Putra Perkasa Abadi jobsite PT Bukit Asam was recorded at only 82% (98.48 Bcm/Hour with a target of 120 Bcm/Hour) with activity cost hauling of 75.4% and loss revenue of IDR 14,676,045,152. This unachievement and loss is the result of the accumulation of several factors that occur at the site, One of the factors is the actual payload of the means of transportation of 94 tons with a target of 105 tons and the actual average speed of 17.2 Km/H with a target of 22 Km/Hour. The non-achievement of payload and speed is due to digitalization that is not optimal, such as speed data, payload, unit position, queue, matching fleet and other data that has not been obtained in real-time by supervisors, so supervision is still limited to manual. Therefore, to support the optimization of digitalization and supervision of the productivity of overburden transportation equipment, PT Putra Perkasa Abadi jobsite PT Bukit Asam uses the Fleet Management System (FMS) – Onboard Fleetsafe Assist (OFA). An increase in the achievement of transportation productivity for the period January 2024 – March 204 by 82% to 100% for the period June 2024 – December 2024, with a reduction cost of IDR 47.2 billion (June 2024 – August 2024) and IDR 65.3 billion (September 2024 – December 2024).
Co-Authors Alfitri, Donny Jannah, Sevira Nur P, Yoga Setya Santoso, Ignatius Hari Tanamal, Toni