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All Journal SENTRALISASI JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Jurnal Ilmiah Ekonomi Global Masa Kini Bilancia : Jurnal Ilmiah Akuntansi Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Jurnal Penelitian Manajemen Terapan (Penataran) CAHAYA AKTIVA Jurnal Abdimas Akademika JOMPA ABDI: Jurnal Pengabdian Masyarakat KIC SENMEA Prosiding Simposium Nasional Manajemen dan Bisnis Jurnal Simki Economic
Zulistiani, Zulistiani
Universitas Nusantara PGRI Kediri
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : sentralisasi

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Acceptance of Digital Financial Applications by Students: A Qualitative Study Using the Technology Acceptance Model Approach Dyah Ayu Paramitha; Zulistiani Zulistiani; Erna Puspita
SENTRALISASI Vol. 15 No. 1 (2026): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i1.5005

Abstract

The purpose of this study is to delve deeper into the acceptance of financial application technology based on the technology acceptance model  theory (TAM) by students who have taken investment management courses, with indicators of perceived usefulness (PU), perceived ease of use (PEU), attitude toward use (ATU), and behavioral intention (BI). This study employed a qualitative approach with thematic analysis tailored to the indicator themes. Data for this study were obtained from an open-ended questionnaire completed by 33 student respondents. The results indicate that students considered digital financial applications helpful in recording expenses, budgeting, and supporting their investment learning. Perceived usefulness and ease of use shaped positive attitudes and intentions to use the applications continuously. However, several concerns arose, including cost, data privacy, connection stability, and the complexity of certain features. This study suggests that there are lessons to be learned in the use of digital financial applications at the higher education level and also provides implications for future learning development and application design.
Co-Authors Adela, Meylani Luthfi Afifa, Dias Ro'ul Ain Nauwari Nine Aini, Silvi Nur Aliami, Sri Almira Agustina Almubaroq, Mochamad Farik Amalia, Lahmirza Aula Amelia Tri Novita Sari Annisa, Aulia Antika, Rindy Ardana, Reza Tri ARRIDHO, MOH. BASIT Arringga, Lutvia Titis Badi’ati, Nabilatul Basthoumi Muslih Dewa Bagaskara, Ardha Dewi, Aulia Tri Nanda Dewi, Novi Fitriana Dewi, Retno Dwi Kartika Dhiyan Septa Wihara Diah Nurdiwaty Dwi Nariyatus Soim Soim Dyah Ayu Paramitha Dyo Rendi Setyawan Edy Djoko Soeprajitno Ema Nurzainul Hakimah, Ema Nurzainul Endang Puji Lestari Fadila, Sanggita Nur Faisol Faisol Fathoni, Mohammad Ryan Fauji, Diah Ayu Septi Febriani, Diyah Putri Ferdiana, Aprilisa Frincessa Syifa Fidelira Ayu Vidyanata GESTY ERNESTIVITA Gita Ayu Septina Rahman Hadi, Dodi Kusuma Hartato, Jerry HERY PURNOMO Hery Purnomo Imam Bukori, Imam Intan Yunia Sari Irfan Romadhony , Rahmad Ismayantika Dyah Puspasari ISMAYANTIKA DYAH PUSPASARI, ISMAYANTIKA DYAH Itot Bian Raharjo Jeni Anggraini Jhosia Brillianda Adma Deanta Kasanah, Riski Dwi Kholila, Nova Nor Kuncoro, Safira Ratuhening Nur Kurniasari, Mariana Laili Kurniawan, Rony Kurniawan, Rony Kusnuariyanti, Nadila Intan Leksono, Poniran Yudho Lina Rahmawati Linawati Linawati M. Ihwanun Nizam Mahfudzoh, Fenia Mauji, Quinita Salamah Mei Wulandari Mira, Miranda Nabilatul Badi’ati Nafisa, Milatun Nanda Dwi Prastya Niken Dwi Fatmasari Nimah, Munthaha Novitasari, Reny Veronika Dian Oktaviana, Yastika Paramitha, Dyah Poniran Yudho Leksono Prasetya, Alvin Deva Puji Winarko, Sigit Puspita, Erna Putra, Putrama' Arifrahman Putri Ayu Dewi Permatasari Putri, Ananda Eka Putri, Sella Anggraini R. Danang Dewangga Maryanto Putra Rabiatul Adawiyah raharjo, itot bian RESTIN MEILINA Rino Sardanto Rino Sardanto Romawi, Juleo Prabowo Adnan Rosa Widiya Amelia Safitri, Dina Samari Samari Samari, Samari Santika, Dina Saputri, Istyani SB, Sigit Wisnu Shellina Hermayanti Shintaro, Margareta Sigit Ratnanto Sigit Wisnu Setya Bhirawa Soim, Dwi Nariyatus Sri Aliami Sri Arnia Rachmawati Sri Riyanti, Anggita Sri Widiawati , Hestin Subagyo, Subagyo Subekti, Crystian Sugiono Sugiono Susi Damayanti Susi Damayanti, Susi Wahyu Febriliana Wahyu Widodo Wahyuni, Pertiwi Wahyuningtyas, Arindasari Wardani, Indri Kusuma Wenda, Bellty Delincya Evalda Widya Nur Aini Wisnu Setya, Sigit Yika Dwi Andari Yudho L, Poniran Yulistiana Yulistiana