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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.

Communication and information technology have encouraged the use of e-learning systems in the education world. Even the application of the system has become a must in this COVID-19 pandemic health protocol. Nevertheless, it still needs to be observed, whether the consumers would keep using the e-learning system in the future. This study aims to see the effect of interaction variables and learner characteristic toward perceived usefulness and perceived satisfaction on e-learning system that has been used, with the effect of continuance intention toward the system in the future. To answer the purpose of this study, there is a research model has been developed which includes seven hypotheses. For the research object, the researcher chose non-government-owned colleges in Jakarta with the students as the sample chosen by purposive sampling technique. The result of this research shows those seven hypotheses accepted with the significant level at 1%, as well as 5%. It means each of the interaction variables and learning characteristics significantly direct and indirect influence the perceived satisfaction variable as well as the perceived usefulness variable. Moreover, it is proven that perceived usefulness is a significant determinant toward perceived satisfaction, even both of them significantly direct influence continuance intention at e-learning system that has been used.

Currently, e-marketplace utilization grows significantly both on the buying side as well as on the selling side. However, the complete utilization rate is still low. Hence, this study investigates the factors considered by the prospective entrepreneurs to utilize the e-marketplace. The purpose of this study is also to find out the most potential e-marketplace to be employed by the prospective entrepreneurs. This study distributes questionnaires by using a convenience sampling technique to the 285 students at a business school. This study applies the Importance Performance Analysis and Correspondence Analysis methods to process the data gathered. It is found that the trust factor becomes the least important factor as well as the worst performance factor at the same time. On the other hand, the technical factor becomes the most important factor and the environmental factor is recorded as the best performance factor. To utilize e-marketplace, prospective entrepreneurs pay the highest attention to several indicators such as latency, user friendly, marketing, supply chain, price competitiveness, service quality, support/helpdesk, and bank transfer. Furthermore, Tokopedia and Shopee are rated as the best e-marketplaces. This study illuminates the prospective entrepreneurs’ consideration toward e-marketplace utilization; hence the platform owner can make a better service. The findings of the study will inspire the preparation steps for entrepreneurs to start their businesses and enrich the online consumer buying decision theory.

This study purposed to analyze the application of an extended technology acceptance model (TAM) by combining the influence of brand equity and mobile web quality that are used to predict intention to use m-commerce, through perceived ease of use, perceived usefulness, and attitude toward using. The research was conducted on Indonesian citizens who have used service products on m-commerce Traveloka. The analytical method used is the structural equation modeling (SEM) with Lisrel 8.80 Software. Using a convenient sampling technique, 270 respondents were involved in the study. Only five of the nine hypotheses developed are significant, while the others are not. However, the current study discovers a new finding that brand equity significantly affects the attitude toward using m-commerce. The results of this study are quite different from Chi’s (2018) study, indicating that the model still needs to be reinvestigated using a different sample to test the model consistency.

COVID-19 has changed the way we live to the extent of many choices in our lives. Physical distancing measurement that took place months, followed by restriction to travel, to reduce mobility, has been gradually implemented by the government of Indonesia. The e-wallet transaction by volume during the pandemic accounts for 1,7 million times with 67 total users in Indonesia. This study is comprehensive on previous research on 2020 with a smaller sample. This research is aimed to find out 1) the usage intensity of e-wallet amongst them and 2) to understand the underlying factors of using such e-wallet. The data is collected by interviewing 100 students in Universitas Negeri Malang, Indonesia. The data was then analyzed using NVIVO and interpreted using content analysis to reach the objective of this research. It is found out that 1) undergraduate students use it quite frequently, and 2) three key factors as the determining factors, namely practicality efficiency, and discount. This research aims to contribute to the digital payment literature and future research agenda on e-wallet amongst undergraduate students during pandemic and post-pandemic.

The purpose of this study was to determine the effect of perceived ease of use, perceived usefulness, and system feasibility on the effectiveness of taxpayers using the e-Reporting Incentive Covid-19 service. The data obtained is the result of filling out a questionnaire conducted by respondents using a purposive sampling technique, as many as 100 MSMEs taxpayers in Central Jakarta who use the e-Reporting Incentive Covid-19 service. The data used in this study are primary data. This analysis method uses descriptive statistical tests, data quality tests, classical assumption tests, hypothesis tests and determination coefficient tests using SPSS. The results of this study indicate that Perceptions of Ease of Use, Perceptions of Usability, and System Eligibility have a positive and significant effect on the effectiveness of taxpayers using the e-Reporting Incentive Covid-19 service.