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All Journal Journal of Management and Business Innovation (JOMBINOV)
Klaasvakumok J. Kamuri
Kupang State Polytechnic
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Causal Model of Emotional Intelligence, Digital Literacy, and Employee Work Productivity of Banking Staff in Kupang: A Structural Equation Modeling Approach Moni Y. Siahaan; Klaasvakumok J. Kamuri
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 01, No 01, December 2025
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v1i01.25

Abstract

The ongoing transformation of the workplace, driven by the Industrial Revolution 4.0 and the paradigm of Society 5.0, has intensified the demand for human resources equipped with advanced emotional and digital capabilities. This study develops a comprehensive causal framework that examines the interrelationships among emotional intelligence, digital literacy, and employee productivity using a Structural Equation Modeling (SEM) approach. The empirical evidence demonstrates that emotional intelligence significantly enhances productivity by fostering stronger emotional regulation, adaptive responses to organizational change, and effective interpersonal collaboration. Digital literacy is likewise a crucial determinant of productivity, enabling employees to utilize digital technologies more efficiently to achieve performance targets. Furthermore, the results indicate that emotional intelligence positively contributes to the development of digital literacy, suggesting that emotionally competent individuals exhibit greater openness and motivation toward technological adaptation. Importantly, digital literacy acts as a significant mediating mechanism linking emotional intelligence to productivity, emphasizing the need for organizations to strategically cultivate both competencies in synergy. The study advances the theoretical discourse on employee productivity by conceptualizing the integrated roles of emotional and digital competencies and provides actionable insights for organizations to design holistic human resource development initiatives that align with the rapidly digitalized and dynamic characteristics of contemporary work environments.
An Integrated Innovation DiffusionTrust-Building Framework for Understanding Mobile Payment Adoption in Indonesia’s Cross-Border Regions Klaasvakumok J. Kamuri; Andrias U. T. Anabuni
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 01, No 01, December 2025
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v1i01.30

Abstract

Mobile payment adoption in Indonesia has expanded rapidly; however, its diffusion in cross-border regions remains limited due to infrastructural inadequacies, heightened cross-border transaction risks, and low levels of trust in digital financial platforms. These regions—marked by high population mobility, informal economic activity, and uncertain regulatory oversight—create a unique context in which conventional technology adoption models may not fully capture user behaviour. This study introduces an integrated framework that combines Innovation Diffusion Theory and Trust-Building Theory to investigate how mobility, customization, security, and reputation shape trust and influence mobile payment adoption in Indonesia’s international border areas. The framework further examines the role of trust in mitigating perceived risk and strengthening continuance usage intention, while also assessing gender as a moderating variable. Data were obtained from 225 mobile payment users residing in major border gateways between Indonesia and Malaysia, Timor-Leste, and Papua New Guinea. Using partial least squares structural equation modelling (PLS-SEM), the results indicate that security, customization, and reputation significantly enhance trust, whereas mobility does not exert a meaningful effect within the border context. Trust substantially increases continuance usage intention and reduces perceived risk; however, perceived risk does not significantly influence continuance intention. Gender is also found to have no moderating effect on any of the hypothesized relationships. This study contributes to the mobile payment literature by providing a contextualized understanding of user behaviour in high-risk, infrastructure-constrained environments. It also offers practical implications for policymakers and fintech providers aiming to expand digital financial inclusion and strengthen trust-based payment ecosystems in Indonesia’s cross-border regions.
Co-Authors Andrias U. T. Anabuni Moni Y. Siahaan