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This study aims to analyze the perceived ease of use, perceived usefulness, and perceived benefits on interest in using Bank Syariah Indonesia mobile banking. The research method used is a quantitative approach. The sample size for this study was 250 respondents. Data were analyzed by structural equation modeling (SEM) and processed with AMOS 24.0. The results of the SEM analysis show that perceived usefulness has a significant positive impact on attitudes toward mobile banking use. Perceived Ease of Use has a positive and significant effect on the Perceived Usefulness of mobile banking. Perceived ease of use has no significant effect on attitudes toward using mobile banking. Perceived Usefulness has a positive and significant effect on Behavioral Intention to Use mobile banking. Therefore, attitudes toward using mobile banking have a significant positive impact on behavioral intentions to use mobile banking.

The Kenya Airport Police Unit has started using smartphones to deter crime, but there are still reservations about their potential impact on policing. The study sought to identify the factors that influence police officers' adoption and use of smart phone applications for crime prevention. The police officers assigned to the Kenya Airport Police Unit (1382) were the study's target group. For this study, a sample of 274 police officers was selected using a simple random sampling approach. The study was guided by the Mobile Technology Acceptance Model (M-TAM), which discovered that smartphones were useful instruments for crime prevention. Police officers discovered that programs such as Facebook, WhatsApp, Twitter, emails, and short text messages helped to prevent crime. The study suggests that tailored police smart phone applications be developed, as well as officer capacity training, to improve their utilization and help to crime prevention efforts.

This study examined the influence of customer experience on the preference for online bus booking services in Dar es Salaam, Tanzania. Specifically, the study aims to: i) Determine the influence of familiarity with online booking services on the customer preference for online bus booking services, ii) Examine the influence of perception on the customer preference for online booking services, iii) Examine the influence of customer satisfaction on the customer preference for online bus booking services. The study employed a convergent parallel research design whereas both qualitative and quantitative data were collected. A sample of 384 users of buses for their transport was involved using a questionnaire that was administered through Google form as one of the web-based tools. Qualitative data were analyzed using content analysis whereas quantitative data were analyzed using descriptive statistics whereas mean scores, standard deviations, frequency, and percent were computed. Further, a binary logistic regression model was performed to analyze quantitative data. The findings show that customer perception and satisfaction were statistically significant in influencing customers’ preference for online bus booking. The study recommends to all key players in the bus transport sector make use of the findings to enrich policies and strategies in the adoption of online bus booking.

This study seeks to explain the intent of SMEs business owners to implement omnichannel retail in their operations. This study employs the UTAUT model and adds innovativeness as a variable that can influence the intention to adopt an omnichannel. The sample for this research consisted of 90 SMEs proprietors in Malang City. This study's data were gathered via a questionnaire and analyzed using PLS-SEM. This study found that personal innovativeness and performance expectations significantly influence the intention to adopt omnichannel. In this study, effort expectations have no significant effect on the intention to implement omnichannel. It has been demonstrated that personal innovativeness can moderate the relationship between effort and performance expectations in the UTAUT model when it comes to the intention of MSME proprietors to implement omnichannel. In addition to focusing on consumers as end users, this study concludes that omnichannel service providers must also consider enterprises as omnichannel users.

This study aims to explore how subjective norms and perceptions of food safety influence people's behavioral intention to use and continue using delivery apps during the coronavirus pandemic. According to the TPB model, subjective norms were anticipated to be positively linked to both intention and continued behavior. The study's objective also was to ascertain the advantageous consequences of perceived food safety and intention on continued usage. The study used a quantitative approach, with a sample of 300 mobile food ordering app users in Yogyakarta selected using non-probability sampling. The data collection method was a validated and reliable questionnaire, and data analysis used SEM AMOS. The results showed that subjective norms and perceived food safety had a significant positive influence on behavioral intention and that behavioral intention and perceived food safety affected continued use. This study contributes to the existing literature on the benefits of subjective norms and perceived food safety on mobile app usage, and its findings have both theoretical and practical implications.

This study aims to determine the effect of the use of information technology on employee performance, which is mediated by user satisfaction and the suitability of technology tasks. Respondents in this study were employees of PT Kimia Farma Pharmacy Yogyakarta Business Unit. The sample used was 110 respondents, with a quantitative method using SEM and AMOS. From the data that has been tested and collected, the results of this study indicate that the use of information technology has a significant positive effect on employee performance and task-technology fit. User satisfaction and task-technology fit do not mediate the positive and insignificant effects of using information technology on employee performance. User satisfaction has no positive effect on performance and is insignificant. Task-technology fit has a positive effect on performance.

Examining the reasons why Albanians use internet banking services is the focus of this paper. Due to recent technological developments, Albania's banking industry is utilizing technology for an increasing number of banking procedures. We started by presenting some of the key elements that have been identified as having a significant impact on the literature regarding the adoption of online banking, including demographic, socioeconomic, and other elements based on the technology adoption model (TAM). For our empirical research, we used primary data that was collected through surveys that various bank customers in Albania completed. The decreased desire to utilize cash appears to be a key element influencing the rise in the usage of online banking applications and services. Other important factors are the application technical issues and reduction of banking operations time as well as the application security level. The findings of this study will help banks better understand their customers' needs and will provide them with suggestions on how to make technology development plans easier.  

E-commerce is gaining popularity due to its importance for both merchants and consumers, particularly in light of the COVID-19 pandemic, which restricts mass movement and gathering, as well as the high costs associated with traveling to different markets. Despite mounting evidence demonstrating the importance of internet in retails business, little is known about the potential mechanisms that increase consumer purchasing intentions when using online shopping platforms. In today's high customer sensitivity to service quality, successful entrepreneurs have recently thrived under competitive pressures. Online transactions are more difficult because buyers and sellers do not know each other, yet they must provide financial information to intermediaries. Thus, it is now clear that increasing customer trust is a viable strategy for driving e-business success today. Considering this, a new model demonstrating a potential mechanism that increases customers' trust in intermediaries and thus leads to their online purchasing intentions was developed. This innovative model connects website quality to the online purchasing intentions of the customers, using trust in intermediaries as a mediator and moderating the effect of perceived usefulness. To prove or disprove the assumptions highlighted in this study, a cross-sectional research design was used with data from 568 clients of nine domestic e-commerce platforms operating in Rwanda. To investigate the relationship between the variables hypothesized in this study, a variety of methods and tools were used. To assess the potential effect of each variable in this model, we used CFA in SEM-Amos, mean and standard deviation in SPSS, and Hayes macro process. The overall results obtained using the various techniques specified supported the current hypothesized model. We believe that the current study provided an innovative and useful mechanism as one of the potential solutions for today's merging online businesses.

The proliferation of technology has innovated new ways of saving and investing money: online savings and investment platforms [OSIPs]. Predicting the intention to adopt Fintech has triggered the interest of many researchers in academia and industries. The primary objective of this study was to examine factors influencing the intention to adopt OSIPs in Nigeria by using data gathered from 640 digitally active citizens from selected cities in Nigeria. Reliability and validity tests were conducted through construct reliability and discriminant validity, respectively, through WarpPLS. Data were computed with the Statistical Package for the Social Sciences (version) 24 and analyzed with structural equation modeling via WarpPLS. The findings of this study showed that performance expectancy, effort expectancy, and social influence significantly affect attitude while facilitating conditions predict intention to adopt. It was also found that attitude significantly influences the intention to adopt OSIPs. The paper also discusses the study’s research limitations and presents implications for theory and practice.

This paper examines the factors that influence the intention to use FMIS in Indonesia’s local governments, especially in East Java region. The study model used the Technology Acceptance Model (TAM) that focuses on two specific salient beliefs-perceived ease of use and perceived usefulness. However, this has not discouraged researchers from incorporating additional constructs to the original model in their quest for increased predictive power. Here, an attempt is made to explain local governments' intention to use FMIS. Besides perceived ease of use and perceived usefulness, compatibility, external technical support, and management support are included in an extended TAM. The research data was obtained through questionnaires to 180 respondents of planning and financial managers at 9 local governments of the East Java region. The data analysis method used SEM-PLS with the SmartPLS 3.0 application. The results of this study showed that perceived usefulness and perceived ease of use are influenced by compatibility, external technical support, and management support. Compatibility also influenced intentions to use FMIS, and perceived ease of use influenced perceived usefulness. Intention to use FMIS was also affected by perceived usefulness and perceived ease of use. Lastly, perceived usefulness and perceived ease of use did not create a mediating effect between external variables and intention to use FMIS. This study concludes that TAM and external variables affect interest in using FMIS.

There has been limited study from a southern-African perspective investigating factors that affect the adoption of e-banking specific to small and medium enterprises (SMEs) in developing African economies. To date, little is known about SME uptake of e-banking in the southern African common monetary area (CMA), comprising South Africa, Lesotho, Namibia, and Eswatini. This knowledge gap is problematic for banks in providing SME support for the transition to e-banking, given the current move by banks toward embracing digital strategies. This study focused on a single bank with a large footprint in the CMA, intending to add to the body of academic knowledge regarding the adoption of e-banking services by SMEs. It employed a qualitative methodology involving one-on-one, semi-structured, open-ended interviews with purposefully selected Bank X staff in each country of the CMA, using the literature reviewed to identify themes relevant to the proposed conceptual model. The conclusions of this research have led to a framework for e-banking adoption. A framework such as this may positively impact the profitability and sustainability of an SME by ensuring the adoption of e-banking services and utilization of available financial products to improve business opportunities via the e-banking channels of Bank X.

This study examines the effect of perceived ease of use and perceived security on repurchase intention mediated by the trust of e-commerce marketplace users in Samarinda City. This research was conducted on 150 users of the e-commerce marketplace. Data analysis uses partial least square (SEM-PLS) structural equation modeling with the Smart-PLS 3.0. The results showed that perceived ease of use significantly affected repurchase intention, but perceived security had no significant effect. This study also shows that trust successfully mediates the effect of perceived ease of use and perceived security on repurchase intention. From this research, it is suggested that e-commerce marketplace companies continue to innovate so that the trust felt by users increases. According to the findings of this study, e-commerce marketplace companies should continue to innovate to increase user trust.

This study aims to determine the effect of promotional attractiveness, perception of benefits and ease of perception on the interest in using e-wallets. The population in this study is the entire developed village community in Sleman Regency. The number of samples used was as many as 150 respondents. The sampling method used is convenience sampling. Data collection using survey method through questionnaires distributed using google form. Data analysis techniques were implemented using multiple linear regression analysis techniques. The multiple linear regression analysis results show that the attractiveness of promotions, the precept of benefits and the perception of convenience positively and significantly affect the interest in using e-wallets.  

Cloud computing changed our way of doing things because we now maintain our systems and data on global online platforms. The research aimed to investigate the predictive factors determining the quality of personal users' cloud computing and their effect on platform performance. The study adopted a cross-sectional, descriptive, quantitative design conducted within South African communities and received 254 responses, a response rate of 66.1%. The measurement model (SRMR = 0.071) results demonstrated that cost-effectiveness, reliability, flexibility, availability, security effectiveness, and scalability collectively define the quality of cloud computing platforms utilized by personal users. AVE (0.575 – 0.694), CR (0.844 – 0.901), Fornell-Larcker criterion, and cross-loadings confirmed convergent validity, reliability, and discriminant validity. Security effectiveness, scalability, and reliability have a statistically significant effect on platform performance with small to medium effect sizes. The theoretical implication is an enhanced domestication theory of technology based on cloud computing, thus providing insights into the needs required to fit within the prevailing environment and context. In addition, it helped understand the personal users' decisions on cloud computing. The study enhances cloud computing at a personal level through understanding that the decision and value may differ from well-researched organizational levels.

The objective of this study is first to investigate the benefits of digital payment toward switching consumer behavior in using the OVO application as a tool for payment transactions. The involved variables are perceived usefulness, perceived ease of use, self-efficacy, security, and trust, switching intention. This study used the quantitative approach and study design used in this research, which is explanatory research. the population in this study consisted of university students who had previously used the OVO application for payment transactions in Yogyakarta. The sampling technique used was non-probability sampling, with the most significant number of samples being 300 people. The data collection technique uses a questionnaire that has been tested for validity and reliability. The data analysis technique used is Amos. Findings show that all hypotheses are accepted. It means all users believe that OVO digital payments benefit users in payment transactions. from the research conducted, the results showed that all relationships between hypotheses are positive and can be assessed from the minimum score if C.R showed a value more significant than 1.96 and less than 0.05 to the p-value, then there is a positive.

This study aims to examine the Technology Acceptance Model (TAM) for QRIS usage in SMEs in Indonesia. We employed Partial Least Square Structural Equation Modelling (PLS-SEM) with a first-order reflective model to analyze the data. The dataset contains 107 SMEs in Medan, Indonesia (n = 107). There are four constructs in the model in this study, namely: perceived usefulness, perceived ease of use, attitude toward using, and behavioral intention to use. After evaluating measurement models and structural models known to meet the criteria, we can conclude the results of the data analysis. In general, all variables positively affect other variables in this model, although one of them is insignificant. The results indicate that perceived usefulness is positive and significantly affects attitude toward using and behavioral intention to use. At the same time, attitude toward using is also positive and significantly affects behavioral intention to use. Furthermore, perceived ease of use is also shown to have a positive and significant effect on attitude toward using and perceived usefulness. However, perceived ease of use insignificantly affects behavioral intention to use, although it still positively affects the behavioral intention to use. The findings of this study provide some crucial implications for SMEs and the provider of QRIS. Since the results indicate welcoming QRIS usage, the socialization of QRIS needs to be more massive to reach the vast majority of Indonesian SMEs in Indonesia.

This study aims to examine the factors that affect customers repurchase intention in the e-commerce marketplace during the COVID-19 pandemic on Java Island in Indonesia, using the extended Technology Acceptance Model (TAM) theory and UI/UX Concept. Perceived ease of use, shopping experience, e-trust, and age are variables that are predicted to affect e-commerce marketplace repurchase intention behavior during the COVID-19 pandemic. The data were collected through an online survey from e-commerce marketplace customers in Java who have had at least two experiences of purchasing goods or services through e-commerce in Java. In total, 250 valid responses were analyzed to test hypotheses using structural equation modeling and multi-group analysis.  The results show that perceived ease of use, shopping experience, and e-trust are found to significantly affect the repurchase intention in e-commerce marketplace. The study also show that e-trust has a role in mediating the relationship between both perceived ease of use towards repurchase intention and shopping experience towards repurchase intention. However, the multi-group analysis did not find any significant differences between shopping experience and repurchase intention across age groups. Finally, this paper ended with some discussions, implications, limitations, and conclusions.

The development of information technology has changed the business model of firms in the industry that are in contact with technology. One of them is in the music industry, which currently has penetrated the online platform with a series of accompanying issues. This study uses a conceptual approach to Technology Acceptance Model to understand this relationship. Although in fact similar research has been carried out by a number of researchers, this topic remains an interesting object to study considering that technology acceptance cannot be separated from the environment in which consumers are located. This research was conducted with a quantitative approach to test the research hypotheses using data obtained from questionnaires distributed to 102 respondents spread across the Yogyakarta area. This study found that perceived usefulness and perceived price do not have a significant influence on perceived value. On the other hand, perceived playfulness and perceived ease of use have a significant influence on perceived value. This finding emphasizes that the online music business is more in touch with entertainment products. With respondents who are dominated by young people in a developing country, it is shown that pleasure is a highly prioritized part of overcoming other considerations, especially price and usability. Another finding is that the greater the perceived value of online music, the higher the intention in purchasing the product would be. This study adds to the literature and information about how consumers respond in different regions (Yogyakarta, Indonesia) as one the developing countries on the factors that affect the perceived value and purchase intention, thus it can be used to test the generality of the results of previous studies.

The study aims to examine the effect of computer and internet self-efficacy on the job satisfaction of employees. To support and establish the theories of the study, literature was reviewed. The study used descriptive assessment and correlational research design and questionnaires were used to gather the data. The population of the study was all employees composed of teaching and non-teaching personnel. The study found that the computer and internet self-efficacy of employees was high and their job satisfaction. Based on Mult r regression analysis, it was found that taken together, computer and internet self-efficacy affects the job satisfaction of employees. Taken singly, it was the only computer that predicted the job satisfaction of employees. In other words, knowing both computers and the internet at the same time can affect employees’ capability to perform their work and job satisfaction.

This study aims to determine whether financial ability, promotion, benefit and security are the effects of using OVO digital wallets in the Pesanggrahan area, South Jakarta, Indonesia. The sample in this study amounted to 105 users of Ovo electronic money in the Pesanggrahan area of South Jakarta, Indonesia. Sample selection was done by the random sampling method. The data used in this study is primary data, namely questionnaires distributed to respondents. This analysis method uses descriptive statistical tests, data quality tests, classical assumption tests, data analysis tests, and model suitability tests using the SPSS program. The results of this study indicate that Financial Ability does not have a positive and significant effect, Promotion has a positive and significant effect, Usefulness has a positive and significant effect and Transaction Security has a positive and significant effect on the effectiveness of using OVO digital wallets in the Pesanggrahan area, South Jakarta, Indonesia.