TAM Variables Research Articles

THE INFLUENCE OF TAM VARIABLES AND FINANCIAL LITERACY ON QRIS PAYMENT DECISIONS WITH INTEREST AS AN INTERVENING VARIABLE (STUDY ON POLITEKNIK NEGERI SEMARANG STUDENTS)

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.913. The findings reveal that TAM variables—perceived ease of use, perceived usefulness, perceived enjoyment, and financial literacy—significantly influence the decision of QRIS payment through interest in adopting digital payments as an intervening variable, supported by probability values below 5%

Influence Analysis the Technology Acceptance Model Approach on User Satisfaction and Repurchase on the KAI Access Application Using the SEM Method

The KAI Access application is a transportation service application from PT Kereta Api Indonesia. From a survey conducted by researchers, there is application dissatisfaction by users. This study aims to determine the effect of five TAM variables on user satisfaction and repurchase. In accordance with the research objectives, several TAM variables will be used, namely actual use, perceived ease of use, perceived usefulness, perceived risk, and perceived trust. It will also be known the effect of TAM variables on application user satisfaction, and repurchase of train tickets by application. After analyzing with SEM coherently, the results show that the actual use variable has a C.R. value of 6.095, has a positive and significant value on application user satisfaction. With a C.R. value of 7.668, the perceived usefulness variable has a significant positive value on application user satisfaction. With a C.R. value of 6.763, the perceived risk variable has a significant positive value on application user satisfaction. The perceived trust variable in the application has a C.R. value of 6.094 and has a significant positive value on application user satisfaction. With a C.R. value of 7.434, the application user satisfaction variable has a positive and significant value on the repurchase of train tickets through the application.

Analyzing the Factors Influencing the Digital Transformation of Public Services in Banda Aceh and Jambi

This research aims to prove the hypothesis regarding the factors that influence digital transformation in public services in of Banda Aceh and Jambi using the TAM framework with the variables usefulness, attitude toward, ease of use, and social influence. This research uses a quantitative descriptive method with data sources from questionnaires distributed via Google Form with 200 respondents and data processing using SMART PLS3 software. The research results show an R-square value of 0.671. It can be concluded that the interpretation of the level of user satisfaction in Banda Aceh and Jambi regarding digital transformation is 67.1%; the r-square is identified in the strong category. Several TAM variables that have a significant influence are ease of use, social influence variables with P values of 0.004 and 0.000, and variables that do not have asignificant effect are usefulness and attitude towards it with P values of 0.511 and 0.056.

The Influence of TAM Variables and Financial Literacy on QRIS Payment Decisions with Interest as an Intervening Variable (Study on Semarang State Polytechnic Students)

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.913. The findings reveal that TAM variables—perceived ease of use, perceived usefulness, perceived enjoyment, and financial literacy—significantly influence decision of QRIS payment through interest in adopting digital payments as an intervening variable, supported by probability values below 5%

Application of the TAM Model and Financial Literacy on Interest in QRIS Digital Payments (Study on Semarang State Polytechnic Students)

Application of the TAM Model and Financial Literacy on Interest in QRIS Digital Payments (Study on Semarang State Polytechnic Students)

APPLICATION OF THE TAM MODEL AND FINANCIAL LITERACY IN QRIS DIGITAL PAYMENT DECISIONS (STUDY ON SEMARANG STATE POLYTECHNIC STUDENTS)

The rapid evolution of digital technology, especially in the digital economy and payment sector, has driven the widespread adoption of digital payment services utilizing QR Codes. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia and the Indonesian Payment System Association (ASPI) on August 17, 2019, serves as the national QR code standard, facilitating QR code-based payments across Indonesia. QRIS presently allows the acceptance of payment applications, whether from banks or non-banks, at various establishments. This study, involving 370 students from a population of 6,128, utilizes the Structural Equation Model (SEM) for analysis, demonstrating a robust fit with a GFI value surpassing 0.917. The findings reveal that TAM variables—perceived ease of use, usefulness, enjoyment, and financial literacy—significantly influence the interest in adopting QRIS for digital payments, supported by probability values below 1%.

FAKTOR INFLUENCING CIMB NIAGA'S MOBILE PHONE ACCOUNT CONTINUATION USAGE: A STUDY OF TECHNOLOGY ACCEPTANCE MODEL (TAM)

As smartphone capabilities, technological complexity, and other developments increase, banks must adapt to meet demand. CIMB Niaga, a private-owned bank, has some digital banking products, one of which is a mobile phone savings account. The objective of this study is to prove and analyze whether the TAM variables affect the continued use of CIMB Niaga’s mobile phone account. These variables include perceived usefulness, perceived ease of use, perceived risk, perceived trust, and perceived satisfaction. Using 70 respondents who hold CIMB Niaga’s mobile phone account, the regression analysis reveals that, unless perceived risk, all variables in the TAM variables positively influence the continued use of mobile phone accounts. Perceived risk negatively impacts the usage and continuation of mobile phone accounts. This study provides evidence to the management of the CIMB bank regarding factors that may encourage the frequency of using a digital banking product.

Faktor Influencing CIMB Niaga's Mobile Phone Account Continuation Usage: A Study of Technology Acceptance Model (TAM)

As smartphone capabilities, technological complexity, and other developments increase, banks must adapt to meet demand. CIMB Niaga, a private-owned bank, has some digital banking products, one of which is a mobile phone savings account. The objective of this study is to prove and analyze whether the TAM variables affect the continued use of CIMB Niaga’s mobile phone account. These variables include perceived usefulness, perceived ease of use, perceived risk, perceived trust, and perceived satisfaction. Using 70 respondents who hold CIMB Niaga’s mobile phone account, the regression analysis reveals that, unless perceived risk, all variables in the TAM variables positively influence the continued use of mobile phone accounts. Perceived risk negatively impacts the usage and continuation of mobile phone accounts. This study provides evidence to the management of the CIMB bank regarding factors that may encourage the frequency of using a digital banking product.

Examining the Factors Influencing Students’ Satisfaction with Hackathon for IT Projects

Education-related hackathons provide a dynamic and participatory method of teaching where students take an active role and become inventors and problem solvers. It encourages teamwork, critical thinking, and the use of technology, preparing students for the demands of the workforce of the twenty-first century. Although it has played a significant role in changing enterprises and society at large, its impact on academia has not yet been adequately examined. Studying the factors influencing student satisfaction with the use of hackathons for teaching and learning is crucial and pertinent given that South African educational institutions are still in the early phases of employing hackathons. The study sought to determine the factors that contributed to students’ satisfaction with hackathons for IT project. To achieve the goal, a model incorporating the self-efficacy and satisfaction constructs with TAM variables (perceived usefulness (PU), perceived ease of use (PEOU), and behavioral intention (BI)) was developed. To test the model, an online questionnaire-based survey was carried out on 180 IT students who had taken part in a hackathon. Exploratory factor analysis was performed to assess the validity of the results, while Cronbach’s alpha was used to assess reliability. The hypothesis in the suggested model was verified by using correlation to assess relationships between the constructs, while linear regressions were utilized to assess influences between variables. The Pearson correlation result showed that self-efficacy and behavioral intention have a moderately positive and statistically significant relationship with student satisfaction when using hackathon for IT projects, and the regression analysis revealed that students’ use of hackathons for IT projects is positively influenced by perceived usefulness and self-efficacy. The study identified factors that were positively correlated with and impacted students’ satisfaction with the use of hackathon for IT projects, which forms the primary contribution of this research work. By enabling a form of social learning where knowledge is created among students, the use of hackathon for IT projects will help change the learning environment from a teacher-centered to a learner-centered one.

The Effect of Social Interaction and Social Support on E-Commerce Purchase Intention: UGT and TAM Theory Perspective

Purpose: This study was to analyze the essence of combining the TAM and UGT theory in shaping consumer purchase intentions in e-commerce. This was accomplished by developing an empirical research model based on direct and moderating relationships on purchase intention. Theorethical Framework: This study involves 7 hypotheses that are described comprehensively in section 2. The independent variables are Benefits Perceived (BP), Ease of Use Perceived (EoUP), Risk Perceived (RP), Moderating Variables are Social Support & Social Interaction (SI), and the Dependent variable is Purchase Intention (PI). Method: Furthermore, the total sample in this study involved 938 respondents, data were collected using online surveys, and the method of analysis used was PLS. Results and Conclusion: The results show a close positive association between UGT and TAM theory on the consumers’ buying intentions. In addition, the findings indicate the propensity for Social Interaction & Support; thus, empirically built hypotheses specified that most TAM variables had a positive and significant effect on puberty purchase intention. Therefore, asides from where Risk Perceived confers a little influence through direct effect relationships, a positive and significant impact on purchase intention is perceived if social interaction & social support variables moderate the risk. Originality/Value: This study in testing the relationship between variables is based on two theoretical approaches: UGT and TAM. Besides, measuring variables by moderation uses social support and interaction variables.

Evaluating Staff Attitudes, Intentions, and Behaviors Related to Cyber Security in Large Australian Health Care Environments: Mixed Methods Study.

Previous studies have identified that the effective management of cyber security in large health care environments is likely to be significantly impacted by human and social factors, as well as by technical controls. However, there have been limited attempts to confirm this by using measured and integrated studies to identify specific user motivations and behaviors that can be managed to achieve improved outcomes. This study aims to document and analyze survey and interview data from a diverse range of health care staff members, to determine the primary motivations and behaviors that influence their acceptance and application of cyber security messaging and controls. By identifying these issues, recommendations can be made to positively influence future cyber security governance in health care. An explanatory sequential mixed methods approach was undertaken to analyze quantitative data from a web-based staff survey (N=103), with a concurrent qualitative investigation applied to data gathered via in-depth staff interviews (N=9). Data from both stages of this methodology were mapped to descriptive variables based on a modified version of the Technology Acceptance Model (TAM; TAM2). After normalization, the quantitative data were verified and analyzed using descriptive statistics, distribution and linearity measures, and a bivariate correlation of the TAM variables to identify the Pearson coefficient (r) and significance (P) values. Finally, after confirming Cronbach α, the determinant score for multicollinearity, and the Kaiser-Meyer-Olkin measure, and applying the Bartlett test of sphericity (χ2), an exploratory factor analysis (EFA) was conducted to identify the primary factors with an eigenvalue (λ) >1.0. Comments captured during the qualitative interviews were coded using NVivo software (QSR International) to create an emic-to-etic understanding, which was subsequently integrated with the quantitative results to produce verified conclusions. Using the explanatory sequential methodology, this study showed that the perceived usefulness of security controls emerged as the most significant factor influencing staff beliefs and behaviors. This variable represented 24% of all the variances measured in the EFA and was also the most common category identified across all coded interviews (281/692, 40.6%). The word frequency analysis showed that systems, patients, and people represented the top 3 recurring themes reported by the interviewees. To improve cyber security governance in large health care environments, efforts should be focused on demonstrating how confidentiality, integrity, availability, policies, and cloud or vendor-based controls (the main contributors of usefulness measured by the EFA) can directly improve outcomes for systems, staff, and patients. Further consideration also needs to be given to how clinicians should share data and collaborate on patient care, with tools and processes provided to support and manage data sharing securely and to achieve a consistent baseline of secure and normalized behaviors.

Adoption of artificial intelligence in science teaching: From the vantage point of the African science teachers

This study investigated the factors influencing science teachers' 'Artificial Intelligence' (AI) utilization by using the 'Technology Acceptance Model' (TAM). The factors investigated alongside TAM variables were teachers' data like; age, sex, and residence type. TAM items that were correlated in this study included; self-esteem, stress and anxiousness, ease of utilization, behavioural intention, attitude towards AI usage, and expected benefits. The population of this study comprised all science teachers (170) in the Calabar Education Zone of Cross River State, Nigeria. The sample was made up of 79 science teachers comprising (58.22%) 46 females and (41.77%) 33 males. The descriptive and analytical research design was used in this study. A questionnaire named ' Approval of Artificial Intelligence: The Teachers' Eye' Questionnaire (AAITEQ) was used for the study. This study raised 3 research questions. The reliability for AAITEQ was from 0.72 to 0.81 using Cronbach's alpha. Findings indicated that the approval for the utilization of AI was high with an overall mean score of 3.00. The highest predicting value for behaviour intent using TAM variables was the ease of usage r = .789. Science teachers' sex (t, 77 = 1.988; p = .060, (p ˃ .05), age F (2, 76) = .547; p = .581 (p ˃ .05) and teachers' residence location (t, .77 = .533; p = − .062 (p ˃ .05) did not influence the behaviour of science teachers' intention of the utilization of AI. It was recommended that both in-service and pre-service teachers be trained on the utilization of AI.

TECHNOLOGY ACCEPTANCE MODEL APPROACH IN MEASURING USER BEHAVIOR OF ONLINE FOOD DELIVERY APPLICATIONS IN BANYUMAS DISTRICT

Food delivery services are increasingly preferred as the internet develops, but food consumer and entrepreneurs need to be selective in choosing which ones can provide value to them. This study aims to examine the easy to use, usefullness and attitudes of behavioral intention in food delivery applications in Banyumas Regency. The data analysis method used is structural equation modeling-partial least squares (SEM-PLS). The number of respondents was 100. The sampling technique in this study used a purposive sampling method with criteria for a minimum age of 17 years, domiciled in the Banyumas Regency area, and had used shopee food for at least 1 month. Collecting data using a Likert scale questionnaire 1 to 5 by utilizing the google form. The results showed that all TAM variables had an effect on behavioral intention

Fear of the COVID-19 Pandemic in Driving Mobile Payment Applications Adoption

This study aims to analyze how the perceived fear of COVID-19 will affect the adoption of mobile payment applications. The data were collected from 500 mobile payment applications users in Indonesia. The Structural Equation Model-Partial Least Square (PLS-SEM) was used to analyze the relationship between variables and test the hypotheses. According to the findings, perceived fear influences two TAM variables: perceived usefulness and perceived ease of use. Attitude is significantly influenced by the two TAM variables. However, only perceived ease of use has a significant influence on intention to use. Finally, attitude influences the intention to use mobile payment applications. This study will assist mobile payment application providers in planning services and increase the intention of mobile payment applications during the COVID-19 pandemic. This study will also append the subsisting knowledge about the mobile payment applications literature in the context of the pandemic. This research complements the marketing literature in analyzing the adoption of mobile payment applications during the COVID-19 pandemic based on perceived fear of the COVID-19 pandemic.

The Effect of Structural Equation Modeling on Chatbot Usage: An Investigation of Dialogflow

This study aims to understand users' perceptions of using the Dialogflow framework and verify the relationships among service awareness, task-technology fit, output quality, and TAM variables. Generalized Structured Component Analysis was employed to experiment with six hypotheses. Two hundred twenty-seven participants were recruited through the purposive non-random sampling technique. Google Forms was utilized as a medium to develop and distribute survey questionnaires to subjects of interest. The experimental results indicated that perceived ease of use and usefulness had a statistically significant and positive influence on behavioral intention. Awareness of service and output quality was considered reliable predictors of perceived usefulness. Also, perceived task-technology fit positively affected perceived ease of use. The model specification accounted for 50.04% of the total variation. The findings can be leveraged to reinforce TAM in future research in a comparative academic context to validate the hypothesis. Several practitioner recommendations and the study's limitations have been presented.

A Descriptive Analysis of Lively Accounting Acceptance from the View of Accounting Education: The Integration of Academic Flashcards and Augmented Reality Technology

Due to the Covid-19 global pandemic, the use of technological advancement is increasingly becoming a great determinant in education which demands accounting educators to consistently establish new innovative teaching and learning methods. Accounting education seeks to develop concepts, rules and theories for solving accounting problems. However, teaching accounting in accounting education is not an easy task. Students ordinarily encounter the complexities of not just understanding the technical mechanisms, but also to apply the terminology and fundamentals of accounting. The main objective of this study is to develop primary results on the practicality of the main features of Lively Accounting which integrates flashcards with augmented reality application and to identify other expanded TAM variables towards technology acceptance of Lively Accounting. Reminiscing and understanding accounting theories is the main issue experienced by students. Therefore, Lively Accounting as a flexible educational tool creates a different style of experience where users can learn both offline and online. Descriptive approach was used in this present study. For data collection, questionnaires were distributed through an online platform and an illustrative video about Lively Accounting was disseminated to accounting students in UiTM Tapah. The major findings of this study discovered that the main attributes of Lively Accounting do satisfy the needs and preferences of students as it enhances students’ knowledge and understanding for the related course. The acceptance of Lively Accounting is believed to be contributed initially by the constructs of perceived usefulness, perceived ease of use, perceived enjoyment and attitude toward use. It seems that students with a pleasant feeling about the usefulness of technology will be motivated to use and accept this new learning experience. Due to the demand for an innovative accounting learning tool, Lively Accounting is considered as one of the recommended methods especially in accounting education. Future research should consider the effect of augmented reality applications on students' learning effectiveness to give better insight for educators to use appropriate learning styles and strategies.

Acceptance of contemporary technologies for cost management of construction projects

The construction industry has become more digital and the traditional methods of construction activities are gradually becoming outdated. In this era of digital construction, various information and communication technologies have been developed and deployed to the site for the management and control of construction activities including cost management. Irrespective of the benefits of adopting these technologies, most of them are still not readily accepted for use for construction management. This study articulated Seven (7) recent technologies driving the industry and evaluated their acceptance for cost management of construction projects. The technologies include mobile technology, Augmented/Virtual Reality (AR/VR), Building Information Modeling (BIM), Internet of Things (IoT), Autonomous Equipment (Drones and Robotics), Artificial Intelligence (AI), and Predictive Analytics (PA). Data was gathered using a restructured questionnaire and technology acceptance model analysis was performed to identify which of the technologies have higher acceptance for cost management based on the criteria of availability, affordability, frequency of use, usefulness for cost management, and acceptance in the industry. Test statistics using Spearman’s correlations and Kendall’s correlations for each of the technologies and Spearman’s Correlations of Technology acceptance with other variables in the TAM Model were performed. The results showed that mobile technology has higher correlation values than other technologies, and therefore has a higher acceptance for cost management. Kendall’s coefficient of concordance values and Spearman’s correlation values for Mobile technology were all above 0.6 which indicates a high level of agreement among the raters and strong relationships between the compared TAM variables.

Analisis Minat Mahasiswa dalam menggunakan e-learning dengan mengintegrasikan TAM dan IDT

Through e-learning students are encouraged to learn from their homes individually and not in groups as in traditional learning where there are classes and study groups. This gives students the opportunity to organize their time according to their preferences as they attend individual online courses in their homes. They also have the freedom to choose the online courses that they find useful for them and their needs. This study aims to explore and examine the factors that influence the behavioral intention of students to use e-learning. The relationship between TAM variables and Innovation Diffusion Theory is integrated and explored to answer this goal. This research was conducted on 238 students of Muhammadiyah Metro University as active e-learning users. The findings show that of the 13 hypotheses developed, there are 4 that were rejected. It was found that there was no effect between Relative Advantage and Perceived Usefulness, Perceived Compatibility on Perceived Usefulness, Relative Advantage on Perceived Easy of Use, and between Perceived Easy of Use and Perceived Usefulness.

Effectiveness of accrual basis accounting system in state budget and treasury system in TAM 3 framework

Purpose - This study establishes a basic theoretical model developed using Technology Acceptance Model (TAM 3) with several critical factors on the effectiveness of accrual basis accounting systems in the State Budget and the Treasury System.Method - This basic research uses a causal model with primary data collected quantitatively and presented descriptively. The study population was users of the State Budget and Treasury System in the Regional Office V of Jambi Province using the convenience sampling method.Result - The results of this study stated that all TAM variables were correlated with each other and TAM 3 variables were correlated with the effectiveness of the accrual-based accounting system in SPAN. It was proven that there was a significant relationship between all variables. However, the accrual-based accounting system in SPAN practically does not provide convenience and tends to have low intensity of use and low effectiveness.Implication - The result of this research states that all variables of TAM are correlated to each other and TAM 3 variables are correlated to the effectiveness of accrual basis accounting system in SPAN.Originality - This study focuses on the effectiveness of accrual basis accounting system in State Budget and Treasury System: migration of the Indonesian Islamic banking system of BSI.

Digital Banking Adoption in Nigeria: The Place of Technology Acceptance Model

This paper considered the adoption of digital banking in Nigeria focusing on mobile banking and internet banking with a conceptual framework that extends Technology Acceptance Model. The model of this study incorporated additional variables that would stimulate the usage of digital banking in Nigeria. These conceptual framework variables include perceived usefulness, ease of use, security and banking regulations. Questionnaires were administered electronically and the set quota of 25 respondents per bank totaling 250 was met. Cronbach’s alpha test showed that the instrument had a value greater than 0.70 which implied that the research instrument was reliable. Purposeful sampling technique was used for sampling size estimation of the descriptive and inferential statistics while the author utilized multiple regression method to analyze the data. The result of the research revealed that motivation for adoption of digital banking proxied by (perceived usage, ease of use, security and banking regulation) significantly affected mobile banking (AdR2 =0.255; F=8.357; p-value=0.000), as well as internet banking (AdR2 =0.270; F=8.960; p-value=0.000). The study therefore concluded that TAM variables in addition to security and banking regulations have statistically significant positive impact on the adoption of digital banking platforms (mobile banking and internet banking). The study therefore recommends that TAM should consider external influencing factors peculiar to the working environments as cardinal to the adoption of technology besides the TAM’s recognized variables.