Journal of Vocational Education Studies (JOVES)
Vol. 9 No. 1 (2026): Vol 9 No 1

Transforming the Vocational Workforce: A Multi-Perspective Study on Fintech Adoption in Indonesia

Ade Andri Hendriadi (Universitas Singaperbangsa Karawang)



Article Info

Publish Date
23 May 2026

Abstract

The research fills a gap, in which we find that conventional technology adoption models such as TAM and UTAUT are not predicting vocational workers acceptance behaviour well (40-60%) and no prior work has extended these theories to be adapted generic model for skills worker. Methods: Sequential explanatory mixed-method design consisting of systematic literature review (301 studies), quantitative survey (n = 618 vocational workers in five Indonesian cities) and qualitative focus groups (n = 86). The model was also confirmed by means of Structural Equation Modeling (SEM) with the software AMOS 26.0. IFAM has a prediction accuracy of 84.5%, which is much higher than that in TAM (55%) and UTAUT (62%). Personal characteristics are found to be the strongest predictor of adoption (γ=0.684) with digital literacy emerging as its significant dimension (β=0.845). There is a significant mediator effect of User quality (β=0.745), and it has been cascading to the individual (β=0.682.), organizational (0.624)., process(β=0.594) and technology dimension((β=0.568). The model indicates acceptable validity indices (χ2/ df= 2.842, RMSEA =0.054; CFI =0.962; GFI = 0.924). to the best of our knowledge, his model is one of the only theoretically-based adoption model that has been empirically validated and included both vocational learning theories and technology acceptance models. The two-stage mediating process, synthesis of types of resistance and the hierarchical pathway effect are original theoretical contributions. The instructions in the VOCTECH-ADAPT model provide a well-defined path for implementers on how they should work when engaging with digital FI projects.

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Journal Info

Abbrev

joves

Publisher

Subject

Education Engineering Social Sciences Other

Description

The Journal invites original articles and not simultaneously submitted to another journal or conference. The journal explores vocationalism in learning and efforts to address employability within the curriculum, together with coverage of innovative themes and initiatives within vocational education ...