Influence Technology Adoption Research Articles

COOPERATIVES IN THE ERA OF DIGITALIZATION FROM THE PERSPECTIVE OF INNOVATION DIFFUSION THEORY AT THE CU SEHATI COOPERATIVE IN JAKARTA

This research discusses the change of cooperatives towards digitalization from the perspective of Innovation Diffusion theory from Everett M Rogers at the CU Sehati Cooperative in Jakarta. Digitalization is an important strategy for cooperatives to continue to exist and be relevant during such rapid technological changes. This study uses a qualitative-descriptive approach with case study and literature study methods. The study results show that the implementation of digitalization in the CU Sehati Cooperative is in the innovation stage, with cooperative members as adopters who support the organization's sustainability. The study identifies the key factors influencing technology adoption. It also recommends training cooperative members and strengthening digital infrastructure to accelerate technology adoption so that cooperatives can increasingly contribute to the community's economy.

Identifying stakeholder perspectives and priorities for athlete monitoring technology: A mixed-methods study based on interviewing Belgian high-performance sports organisations

The rapid growth of technology in managing training processes offers both opportunities and challenges for sports practitioners. This study examines factors influencing technology adoption in four high-performance sports: golf, sprint kayak, freestyle snowboarding, and volleyball. Each discipline reflects distinct physiological and training needs. Using an interview-based approach and including 25 stakeholders (6 athletes, 14 coaches, and 5 high-performance managers), we captured qualitative and quantitative insights into the perceived benefits and challenges of technology in athlete monitoring. The thematic analysis identified key advantages of technology in athlete monitoring, including objective data support, enhanced engagement, real-time feedback, and increased confidence, while also highlighting concerns around misuse, time demands, and technological complexity. Conflicting views on motivation, comfort, and human oversight further emphasized the challenges in integrating technology effectively. To quantify these insights, we applied the Analytic Hierarchy Process (AHP), a structured prioritisation approach that is new within sports science, to rank essential technology features. Findings ranked Reliability (1st; 18.73%) and Validity (2nd; 18.42%) as top priorities, with Interpretability (3rd; 9.95%), Responsiveness (4th; 9.02%), and Complexity (5th; 8.08%) also valued. Key training priorities included monitoring Technique (1st; 15.94%), Performance (2nd; 15.24%), and Benchmarking (3rd; 11.90%). The thematic analysis highlights the importance of balanced use of technology. In a complementary approach, the AHP provides a structured method for assessing stakeholder priorities, enhancing decision-making and helping align technology development with practitioner needs. By introducing a framework that bridges communication between engineers, scientists, and practitioners, this study guides the development of user-centred sports technologies that effectively address real-world challenges in high-performance organisations.

Understanding Psychosocial Barriers to Healthcare Technology Adoption: A Review of TAM Technology Acceptance Model and Unified Theory of Acceptance and Use of Technology and UTAUT Frameworks

Background: Leveraging healthcare technology improves human development and well-being. However, adoption is frequently delayed by behavioural and psychological barriers, such as perceived usefulness, trust, and organisational readiness. This review examines the suitability of the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Technology Acceptance Model (TAM) frameworks in healthcare settings, focusing on behavioural, educational, and psychological factors that influence technology adoption. Methods: A total of 20 peer-reviewed articles from 2019 to 2024 were examined. Results: The review identified significant organisational and psychological obstacles, including a lack of trust, inadequate training, and organisational support. While the UTAUT provided a more comprehensive viewpoint, it needed to be modified to include context-specific factors, including trust, facilitating circumstances, and educational interventions. Meanwhile, the TAM’s emphasis on perceived usefulness and ease of use was shown to be insufficient for dealing with complex healthcare situations. Conclusions: Interventions targeting stakeholders’ organisational and psychological preparation and educational strategies are essential to overcoming resistance and enhancing trust. Future research should look into integrative frameworks incorporating behavioural, psychological, and instructional tactics to improve the use of technology in healthcare.

A systematic literature review on digital transformation in real estate: challenges and opportunities

PurposeThis study identifies key challenges to adopting smart real estate (SRE) technologies and offers insights and recommendations to enhance decision-making for stakeholders, including buyers and property investors.Design/methodology/approachTo achieve the aim of the study, a rigorous research approach was employed, conducting an in-depth analysis of 41 academic papers utilising PRISMA guidelines and checklists. The chosen methodology also applies a PEST (Political, Economic, Social and Technological) framework to identify factors influencing technology adoption in the real estate sector.FindingsThe study uncovers critical challenges to adopting smart real estate technologies, such as regulatory ambiguity, high implementation costs, and societal resistance. PEST analysis reveals that unclear standards and guidelines, coupled with the high financial burden of technology implementation, are significant obstacles. Socially, resistance to change and difficulties in integrating new technologies are prevalent. The study also underscores the potential of artificial intelligence (AI) for predictive analytics and blockchain for secure transactions and records, though their adoption is currently hindered by inadequate infrastructure and regulatory challenges. These findings underscore the need for strategic interventions to address these challenges and facilitate the effective integration of advanced technologies in the real estate sector, thereby enhancing industry innovation and competitiveness.Practical implicationsThe study offers insights for real estate stakeholders to embrace technology effectively, with a conceptual framework contributing to industry advancements.Originality/valueThe study’s key contribution is offering real estate stakeholders execution tactics and recommendations to navigate challenges and utilise technology, thereby driving industry innovation and enhancing competitiveness.

Factors Influencing Technology Adoption Among SMES: A Case Study of Youtap and The Role of Performance Expectancy and Effort Expectancy

This study examines the factors influencing technology acceptance among Indonesian Micro, Small, and Medium Enterprises (MSMEs) by analyzing Youtap, a Point of Sales (POS) service provider, as a case study. The research specifically investigates the roles of Performance Expectancy and Effort Expectancy in shaping the intention to adopt such services. Performance Expectancy refers to the perceived benefits and productivity enhancements offered by the technology, while Effort Expectancy relates to the ease of use and simplicity of the system. The study employs a quantitative approach, gathering data from MSME owners and operators through structured surveys. Statistical analysis reveals that both Performance Expectancy and Effort Expectancy significantly influence the intention to adopt Youtap. MSMEs recognize the potential of Youtap to streamline business operations, improve efficiency, and enhance customer engagement, while also valuing the platform's intuitive design and ease of integration. These findings contribute to the broader understanding of technology acceptance within the MSME sector in Indonesia, a critical driver of the national economy. The study highlights actionable insights for technology providers, emphasizing the need to align their solutions with the specific needs and expectations of MSMEs. Strategies that enhance perceived benefits and ease of use can improve adoption rates, fostering technological innovation and competitiveness in the sector.

An Evolutionary Game Model of a Regional Logistics Service Supply Chain Complex Network in a Blockchain Environment

Blockchain technology offers a novel solution to address the issue of information silos present in the complex network system of regional logistics service supply chains. Furthermore, enhancing the willingness of participants to engage in this system has emerged as a critical issue requiring urgent resolution. This study assumes bounded rationality and constructs an evolutionary game model to analyze the adoption behaviors of logistics service providers (LSPs) and logistics service integrators (LSIs) in a blockchain environment. The stability theorem of differential equations is employed to elucidate the inherent decision-making mechanisms present in the game. Acknowledging that traditional evolutionary mechanisms often neglect individual heterogeneity and the dynamic changes in the topological structures of complex networks, this study further involves the development of an evolutionary game model tailored for the complex network of a regional logistics service supply chain. After validating the effectiveness of the model, this research investigates how market environmental factors influence the adoption behaviors of LSPs and LSIs. Finally, through case simulations, the effects of key influencing factors on participatory behaviors within the regional logistics service supply chain are analyzed. The findings indicate that, in a blockchain environment, both prior to and following the adoption of complex network technology in the regional logistics service supply chain, the equilibrium stability of the network system is jointly determined by the total revenues of LSPs and LSIs. External factors in the blockchain environment significantly influence technology adoption strategies. Notably, when both the sensitivity coefficients of market demand relative to price and logistics service costs concerning quality enhancement are high, the willingness of supply chain participants to adopt the technology declines rapidly. As the quality elasticity increases, the technology adoption rates of providers and integrators initially stabilize and subsequently increase exponentially. Changes in the revenues of logistics service providers have no significant impact on technology adoption rates within the regional logistics service supply chain.

Analysis of Service Quality of Mitra Mart Online Vegetable Store Using E-Servqual & Importance Performance Analysis (IPA) Method

The implementation of online learning necessitates the provision of adequate IT infrastructure support and the dissemination of awareness among all relevant parties, including lecturers, students, and parents. The prevailing pandemic situation has underscored the necessity for such measures encourages the adoption of online learning. Learning Management System (LMS), often referred to as e-learning, plays an important role in facilitating this transition. Another critical aspect to consider is user readiness and acceptance. The Technology Readiness and Acceptance Model (TRAM) is a method that can be used to analyze these factors. This study utilizes TRAM to evaluate the readiness and acceptance of LMS, focusing specifically on lecturer users in the East Java Province area, encompassing both public and private universities. The purpose of this article is to assess the level of readiness and acceptance of LMS among lecturers in East Java and to identify factors influencing their adoption. The findings reveal that the level of readiness among lecturers in adopting LMS tends to be low. Furthermore, several hypotheses related to the use of LMS by lecturers are explored, providing insights into the factors influencing technology adoption in higher education.

A Comprehensive Risk Based IT Governance Framework for SaaS Adoption in Capital Market

ABSTRACT Software as-a-service (SaaS) adoption is essential in regulated industry such as capital market to bring in scalability, required to deal with the fluctuations in trading volumes, and agility, required to stay responsive to changing market conditions. In this context, the study examines the factors that the capital market organization look for in adopting SaaS. Based on the perceived risk theory and prospect theory, we propose a perceived risk based IT governance framework in SaaS adoption decision in capital market. Following a case study-based research methodology, we examined the factors that influence the risk perception of the decision makers about SaaS-based solution in a capital market industry. We found that the decision to opt for SaaS adoption in organization depends on (i) the top management’s consideration for risk preference, problem framing, decision domain, and data security, and (ii) organizational processes in practice such as IT governance archetype and risk management processes. Based on this, we generate a risk score for a capital market firm to weigh potential benefits and risks in adopting SaaS. In this study, we assume that the top management provides guidance toward firm’s risk appetite which is then compared to the generated risk score to decide for SaaS adoption. This study contributes to the technology adoption literature by emphasizing the role of individual risk preferences and problem framing in influencing technology adoption decisions particularly for technologies that pose certain risks. Finally, the study contributes by bringing forth the role of an IT governance framework in assessing SaaS-related risks.

Digital Competence Among Older Adults: Is Self-Assessment Reliable?

Digital technology holds promise for addressing age-related challenges such as diminished physical and cognitive abilities, chronic conditions, and shifts in social connections. Individual proficiency in computer and internet skills influences technology adoption, correlated with advanced usage, positive attitudes, and self-efficacy. Despite extensive research on digital competence among younger demographics, there is a noticeable gap in inclusive design and research for older adults, with existing assessments often overlooking user ability diversity. The aim of this study is to evaluate the reliability of self-assessment as a method for measuring digital skills among older adults by comparing self-reported competence with objective assessments using the digital foundation skills framework. Abetween-subjects design was used to explore the reliability of self-assessment in evaluating digital skills among older adults, comparing self-assessed and objective assessments using the digital foundation skills framework. This framework encompasses six domains and provides statements and practical examples for self-assessment and objective evaluation of digital competence. Data were collected from 51 Romanian adults over the age of 60 using an online survey for the subjective assessment and laboratory testing for the objective assessment. Significant disparities were found between self-assessed and actual performance in three domains: digital foundation skills, communicating, and problem-solving. However, older adults accurately assessed their performance in handling information and content, transacting, and being safe and legal online. Given the lack of a consistent pattern of overestimation or underestimation, objective assessment is recommended for precise digital competence evaluation.

Technology adoption, competitiveness and new market access among SMEs in Ghana: What are the limiting factors?

A total of 300 SMEs including beneficiaries and non-beneficiaries of the Presidential Business Development Support initiative were surveyed in Ghana using structured interview questionnaires. The survey objectives were to (i) investigate the extent of adoption of emerging technologies including the Internet of Things (IoTs), Artificial Intelligence (AI), e-Commerce, Mobile Banking and Social Media among SMEs in Ghana; (ii) identify the main barriers to adoption of emerging technologies; and (iii) explore any association between the level of technology adoption by SMEs and access to new markets. Close to 60% of the beneficiary SMEs had adopted less sophisticated technologies such as social media, mobile banking and e-commerce as compared to 50% adoption among non-beneficiaries. Overall, less than 5% of the SMEs surveyed were using sophisticated technologies such AI and IoTs. This study adopted the Technological-Organizational-Environmental (TOE) framework to identify barriers to technology adoption. The top five barriers to technology adoption by the SMEs identified from this study are: (i) lack of finance, (ii) insufficient government support, (iii) lack of absorptive capability, (iv) insufficient demand and (v) poor technology enabling infrastructure. The beneficiary SMEs had better access to sub-regional (West Africa), regional (Africa) and international markets than the non-beneficiaries. Logit regression results showed that the most significant factors positively influencing technology adoption are Education, Marketing Skills, Human Resource Skills, Gender, Market Opportunities and Financial Improvement. There was a positive but weak correlation between technology adoption and access to new market opportunities.

Bridging the Digital Divide in Mexico: A Critical Analysis of Telecommunications Infrastructure and Predictive Models for Policy Innovation

This work presents an in-depth evaluation of the telecommunications landscape in Mexico from 2015 to 2023. The study’s primary focus is on the disparities in broadband access, telecommunications infrastructure, and digital inclusion across various regions, particularly between urban and rural areas. By employing predictive models and correlation analysis, the paper identifies key factors influencing technology adoption and service bundling in households. A significant contribution of this research lies in its identification of strong correlations between broadband access, GDP growth, and the penetration of multiple telecommunication services such as fixed telephony, broadband internet, and television. The predictive models developed offer crucial insights into the regional inequalities of digital access, revealing patterns that policymakers can use to prioritize infrastructure investments. The findings underscore the essential role of public policy innovation in promoting digital inclusion, particularly in underdeveloped regions, and provide a robust analytical framework for understanding how advanced telecommunications services contribute to socio-economic development. Through this analytical approach, the study demonstrates the critical relationship between telecommunications infrastructure and regional economic performance, offering data-driven recommendations to bridge the digital divide and enhance connectivity in underserved areas. The results offer significant value for future research and policy initiatives aimed at fostering equitable access to Information and communication technologies, promoting economic growth, and ensuring broader societal inclusion in the digital age.

Integrating the Technology Acceptance Model (TAM) into the Supply Chain of India's Passenger Car Industry: Mitigating Technical Uncertainties

This study explores the application of the Technology Acceptance Model (TAM) in the context of the Indian passenger car industry's supply chain, with a specific focus on addressing technical uncertainties. The research aims to investigate how TAM can be leveraged to enhance the adoption and utilization of advanced technologies, thereby improving supply chain efficiency and resilience. The Indian passenger car industry is experiencing rapid growth, driven by increasing demand and technological advancements. However, technical uncertainties pose significant challenges to supply chain management. The Technology Acceptance Model (TAM) offers a valuable framework for understanding the factors influencing technology adoption. This study integrates TAM into the supply chain of the Indian passenger car industry to identify key drivers and barriers to technology acceptance.

Behavior intention in coping cloud adaptation

This study investigates the indirect impact of perceived technology complexity on the adoption of cloud platforms by data scientists in Brazil. Specifically, it examines the mediating role of perceived work-related opportunities and behavioral intentions, as well as the use of exploration-to-innovate coping strategies. The research employs an online questionnaire survey and uses Confirmatory Factor Analysis, SEM, and OLS to analyze the data. The findings suggest that a serial mediation effect focused on behavioral aspects can better explain the adoption of cloud computing technology. The study identifies the need for further investigation into the potential moderating effects of voluntariness and self-efficacy on the relationship between perceived technology complexity and cloud platform adaptation. Moreover, incorporating other exogenous constructs such as new adaptation strategies, job outcomes, and job satisfaction may provide a more comprehensive understanding of the factors influencing technology adoption in the context of data science. The study highlights that reducing technology complexity can lead to increased adoption, better user experience, better retention rates, more innovation possibilities, and better competition position. However, additional training and support requirements for data scientists can increase the cost and time required for onboarding and maintenance. A cloud platform that is easy to use can enable remote work and collaboration, opening up opportunities for job growth and flexible work arrangements. This can be particularly beneficial for Brazilian professionals who have strong innovation skills but limited training and support. By transcending geographic barriers and infrastructure limitations, a user-friendly cloud platform can help bridge the digital divide. On the other hand, a complex cloud platform can widen the digital divide, particularly in developing countries, exacerbating existing inequalities. The research contributes to theory building by providing a serial mediation framework that better explains technology adaptation phenomena by combining coping theory and technology acceptance model.

Behavioural Reasoning Theory Perspectives: Hospitality Accounting System Adoption

This study delves into the behavioural intention to adopt Hospitality Accounting Systems (HAS) in Bali's villa accommodation sector, employing the Behavioral Reasoning Theory (BRT) framework. Through a representative sample of 363 villa owners or managers, utilising the PLS-SEM technique, it explores how personal values, reasons for and against, and attitudes influence HAS adoption intentions. The findings underscore the significant impact of attitude on adoption intentions, with values significantly affecting attitude and reasons for and against. Interestingly, while reasons for directly influence intention, reasons against have the opposite effect. Future research avenues could explore additional factors influencing technology adoption and delve into the long-term implications of technology integration on organisational performance and user satisfaction. This study enriches theoretical frameworks and offers actionable insights for enhancing technology adoption in the hospitality industry and beyond.

Enhancing Quality Education Through Technology Adoption, Well-Being, Commitment, and Competence Among Educators: Implications for Sustainable Development Goals

Introduction: In the rapidly evolving educational landscape, the integration of technology has become a pivotal factor in enhancing teaching and learning processes. Objetive: This study explores the adoption of technology among high school economics teachers in Riau province, focusing on the internal factors of teacher well-being, professional commitment, self-development, and pedagogical competence. Method and results: Using Structural Equation Modeling (SEM) with a quantitative approach, the research reveals that teacher well-being significantly impacts both professional commitment and technology adoption, indicating that a supportive work environment enhances teachers' engagement with new technologies. Professional commitment also emerges as a crucial factor, greatly influencing technology adoption. Implications and limitations: However, while self-development positively affects technology adoption, it does not directly enhance professional commitment. Pedagogical competence strongly impacts professional commitment but does not directly influence technology adoption. These findings highlight the importance of comprehensive support systems and continuous professional development for effective technology integration in education. The study's limitations include a predominantly female sample and a focus on a specific region, suggesting the need for broader studies to generalize the findings. Future research should also consider additional factors such as administrative support and student engagement to provide a more holistic understanding of technology adoption dynamics in education.

The Impact of Organizational Factors and Environmental Factors on the Adoption of Computer Assisted Audit Tools and Techniques (CAATTs) by SME in Sri Lanka

The study investigates the low adoption of Computer-Assisted Audit Tools and Techniques (CAATTs) in developing countries, focusing on environmental and organizational factors that influence technology adoption in firms, particularly small audit firms in Sri Lanka. Key variables identified include Clients’ AIS complexity firm size as organizational factors and, perceived support from professional accounting bodies firm size, and top management commitment as environmental factors to CAATT adoption. The objective is to assess the impact of organizational and environmental factors on CAAT adoption by SME in Sri Lanka. The population comprises 71,126 small audit firms listed as Small and Medium-Sized Enterprises (SMEs) as of December 31, 2021, according to the Accounting Auditing Standards Monitoring Board in Sri Lanka. A sample size of 40 small audit firms was selected from this population. Data collection involved distributing questionnaires among auditors, with analysis conducted using the SPSS version 23. Correlation analysis reveals a positive correlation between all variables and CAATT adoption, while regression analysis demonstrates the impact of AIS complexity, perceived support from professional accounting bodies has a high impact on CAAT adoption by SME. The findings suggest that organizational factors such as AIS complexity and Perceived Support from professionals play a significant role in CAATT adoption among small audit firms. In conclusion, the study highlights the importance of considering organizational factors, such as in promoting CAATT adoption. These findings provide valuable insights for enhancing audit productivity and reducing costs in developing countries like Sri Lanka.

Understanding AI Technology Adoption in Educational Settings: A Review of Theoretical Frameworks and their Applications

Artificial Intelligence (AI) technologies are increasingly integrated into educational environments, promising transformative impacts on learning experiences and administrative efficiencies. This review synthesizes prominent theoretical frameworks used to understand AI technology adoption among students and educators in educational settings. The Value-based Adoption Model (VAM), Theory of Planned Behavior (TPB), Unified Theory of Acceptance and Use of Technology (UTAUT), and Technology Acceptance Model (TAM) are examined for their strengths and limitations in explaining the factors influencing technology adoption. Through a comprehensive analysis of recent literature, this paper highlights the involvement of user acceptance, incorporating cognitive, social, and emotional dimensions. Understanding theoretical frameworks related to AI technology adoption could provide a comprehensive overview of existing theoretical frameworks related to AI technology adoption in educational settings, integrating findings into a cohesive narrative.

Digital technology adoption and school leadership in the post-pandemic era: Insights from high school leaders

Integrating digital technologies into the educational landscape seems to be a defining factor for learning and leading in the pandemic and post-pandemic era. Hence, this study examines the impact of digital technology adoption on school leadership and management in the post-pan­demic era, focusing on high school leaders' experiences in Oyo State, Nigeria. The theoretical framework is anchored on the Technology Acceptance Model (TAM), which elucidates factors influencing technology adoption through perceived usefulness, perceived ease of use, and attitude toward usage. The study used a descriptive research design and sampled 227 high school leaders across three senatorial districts, collecting data via a validated questionnaire. The reliability index of the instruments is as follows: school leaders' digital technology adoption (? =0.85), digital media tools' usage (? =0.95), and professional development opportunities (? =0.84). Results indicate a positive influence of digital technology on school leadership and management, enhancing communication, virtual administration, performance monitoring, and breaking spatial-temporal barriers. WhatsApp, Email, Google Forms, and Zoom were identified as the most frequently used digital media tools, while professional development in digital technologies was provided to a moderate extent for 58.2% of high leaders. The findings demonstrate the need for more extensive professional development programs by indicating a considerable investment in school leaders' digital competency development, but not all-encompassing. Recommendations include enhancing the quality and frequency of training, promoting diverse digital tools, tailoring professional development to specific needs, and implementing regular assessment and feedback systems to improve digital technology integration in schools.

Outsourcing, Augmenting, or Complicating: The Dynamics of AI in Fact-Checking Practices in the Nordics

The practice of fact-checking involves using technological tools to monitor online disinformation, gather information, and verify content. How do fact-checkers in the Nordic region engage with these technologies, especially artificial intelligence (AI) and generative AI (GAI) systems? Using the theory of affordances as an analytical framework for understanding the factors that influence technology adoption, this exploratory study draws on insights from interviews with 17 professionals from four Nordic fact-checking organizations. Results show that while AI technologies offer valuable functionalities, fact-checkers remain critical and cautious, particularly toward AI, due to concerns about accuracy and reliability. Despite acknowledging the potential of AI to augment human expertise and streamline specific tasks, these concerns limit its wider use. Nordic fact-checkers show openness to integrating advanced AI technology but emphasize the need for a collaborative approach that combines the strengths of both humans and AI. As a result, AI and GAI-based solutions are framed as “enablers” rather than comprehensive or end-to-end solutions, recognizing their limitations in replacing or augmenting complex human cognitive skills.

Unveiling the Impact of Perceived Benefits on Digital Banking Readoption in Malaysia

Malaysia's banking sector has undergone significant transformation driven by digital technologies, revolutionizing traditional banking operations and customer engagement strategies. The introduction of digital banking products has redefined the financial landscape, providing unparalleled convenience, accessibility, and financial control to consumers and businesses. Key advantages such as operational efficiency, cost savings, 24/7 accessibility, and real-time financial management have been crucial in driving the adoption and readoption of digital banking services across various demographic segments in Malaysia. The study leverages theoretical frameworks like the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT) to understand user acceptance and behavior towards digital banking readoption. These models highlight constructs such as performance expectancy, effort expectancy, social influence, and facilitating conditions as essential factors influencing technology adoption. Recent research emphasizes the importance of service quality in mobile banking applications as a determinant of customer satisfaction and loyalty, reflecting the advanced expectations of tech-savvy Malaysian consumers. a rigorous methodological approach, the study examines the factors influencing the readoption of digital banking products among Malaysian consumers. Utilizing Smart Partial Least Squares Structural Equation Modelling (Smart PLS-SEM), the study validates the relationships between perceived benefits and digital banking readoption decisions. The findings reveal that effort expectancy, rather than performance expectancy, is a critical factor influencing readoption, underscoring the importance of usability and convenience. The model explains 66.4% of the variance in readoption behavior, highlighting the complexity of consumer decision-making in digital banking. This study concludes that banking institutions must continuously enhance digital platform functionality and security while prioritizing superior user experiences. Trust, perceived security, and customer service quality remain pivotal in shaping consumer attitudes towards digital banking adoption and readoption, reflecting the dynamic and evolving preferences within Malaysia's digital banking ecosystem.