PENGARUH TECHNOLOGY READINESS ACCEPTANCE MODEL TERHADAP MINAT PENGGUNAAN BSI MOBILE (STUDI BSI KCP SAMARINDA BUNG TOMO)
Keywords:
BSI Mobile, Technology Readiness Acceptance Model, Technology Readiness, Technology Acceptance Model
Abstract
The research is motivated by the increasingly sophisticated technology, particularly in mobile banking, can be utilized by the Islamic banking industry as a service facility to assist customers with busy businesses or activities, providing effective and time-efficient service. This study aims to determine the Technology Readiness Acceptance Model on BSI Mobile usage intention among BSI Samarinda Bung Tomo Branch customers. The population in this study is BSI Samarinda Bung Tomo customer. This study uses a sampling technique with purposive sampling. The purpose of this research is to analyze the influence of Technology Readiness factors (optimism, innovativeness, discomfort, and insecurity) on TAM components (perceived usefulness and perceived ease of use) in influencing the intention to use BSI Mobile. This research adopts a quantitative method with a survey approach involving 120 respondents selected through convenience sampling. Data were analyzed using SmartPLS.
The findings reveal that seven hypotheses were accepted: the influence of innovativeness, discomfort, and insecurity on perceived ease of use; the influence of perceived ease of use on perceived usefulness and intention to use; and the influence of perceived usefulness on intention to use. However, hypotheses concerning the effect of optimism on perceived ease of use, as well as innovativeness, discomfort, and insecurity on perceived usefulness, were rejected. These findings provide valuable insights for the development of BSI Mobile services to enhance customers' perceptions of usefulness and ease of use, thereby increasing the application's appeal.
References
Amruddin, Roni Priyanda, Tri Siwi Agustina, Nyoman Sri Ariantini, Ni Gusti Ayu Lia Rusmayani, Dwi Astarani Aslindar, And Kori Puspita Ningsih. 2022. Metodologi Penelitian Kuantitatif. Edited By F. Sukmawati. Sukoharjo: Pradina Pustaka.
Arfarizan, And Asyari Hasan. 2022. “Digitalization Of Gold Transactions : E-Mas Features On Bsi Mobile Sharia Maqashid Framework.” Budapest International Research And Critics Institute-Journal (Birci-Journal) 5(3):25350–61. Doi: Https://Doi.Org/10.33258/Birci.V5i3.6580 25350.
Baca, Granit, Artan Hajdini, And Shaqir Elezaj. 2023. “Adoption Of Electronic Banking: An Extension Of Technology Acceptance Model (Tam).” Ekonomski Pregled 74(6):818–39. Doi: 10.32910/Ep.74.6.2.
Batubara, Maryam, Nurul Jannah, And Annisa Lestari Ritonga. 2023. “The Effect Of Perceived Usefulness , Ease Of Use And Security On Interest In Using Bsi Mobile Services With Trust As Intervening Variable (Case Study On Uinsu Medan Students) Maryam.” International Journal Of Economics, Business And Accounting Research (Ijebar) 2023(1):1–9. Doi: Https://Jurnal.Stie-Aas.Ac.Id/Index.Php/Ijebar.
Bothma, Mia, And Leandrie Mostert. 2023. “Adopting The Technology Acceptance Model: A Namibian Perspective.” Sa Journal Of Information Management 25(1):1–10. Doi: 10.4102/Sajim.V25i1.1624.
Ghozali, Imam. 2016. Partial Least Squares: Konsep, Teknik Dan Aplikasi Menggunakan Program Smartpls 3.0. Semarang: Badan Penerbit Universitas Diponegoro.
Hadi, Sutrisno. 2016. Metodologi Riset. 2nd Ed. Yogyakarta: Pustaka Pelajar.
Jasmi, Yusup Ansor, Irnal Fiscallutfi, Nahor. 2015. Bijak Ber-Electronic Banking. Otoritas Jasa Keuangan.
Jeong, Seong-Ha, And Ha-Kyun Kim. 2023. “Effect Of Trust In Metaverse On Usage Intention Through Technology Readiness And Technology Acceptance Model.” Original Scientific Paper 30(3):837–45. Doi: Https://Doi.Org/10.17559/Tv-20221111061245.
Karim, Md Waisul, Mohammad Arije Ulfy, And Md Nazmul Huda. 2020. “Determining Intention To Use Smartphone Banking Application Among Millennial Cohort In Malaysia Determining Intention To Use Smartphone Banking Application.” International Journal Of Management And Sustainability 9(1):43–53. Doi: 10.18488/Journal.11.2020.91.43.53.
Kumar, Ashish, Sanjay Dhingra, Vikas Batra, And Harish Purohit. 2020. “A Framework Of Mobile Banking Adoption In India.” Journal Of Open Innovation: Technology, Market, And Complexity 6(2):40. Doi: 10.3390/Joitmc6020040.
Lai, Yin Ling, Joseph Lee, Quantity Surveying, And Quantity Surveying. 2020. “Integration Of Technology Readiness Index ( Tri ) Into The Technology Acceptance Model ( Tam ) For Explaining Behavior In Adoption Of Bim.” Asian Education Studies 5(2):10–17. Doi: 10.20849/Aes.V5i2.816.
Lin, Chien-Hsin, And Peter J. Sher. 2007. “Readiness Into Technology Acceptance : The Tram Model.” Psychology & Marketing 24(7):641–55. Doi: 10.1002/Mar.20177.
Mahmood, Asif, Muhammad Imran, And Kamran Adil. 2023. “Modeling Individual Beliefs To Transfigure Technology Readiness Into Technology Acceptance In Financial Institutions.” Sage (March):1–19. Doi: 10.1177/21582440221149718.
Matthew, Godfred, Yaw Owusu, Rita Amoah Bekoe, Annice Amoasa Addo-, James Otieku, Godfred Matthew, Yaw Owusu, Rita Amoah Bekoe, And Annice Amoasa Addo-Yobo. 2020. “Mobile Banking Adoption Among The Ghanaian Youth.” Journal Of African Business 00(00):1–22. Doi: 10.1080/15228916.2020.1753003.
Mawaddah, Nia Kurnia, And Astari Retnowardhani. 2023. “User Technology Readiness And Acceptance Of Mobile Human Resources Information Application.” Informatics Journal 8(1):30–36.
Mulyati, Yofina, And Alvin Alfian. 2023. “The Role Of Attitude In Mediating The Influence Of Perceived Usefulness On Intention To Use Nagari Mobile Banking.” Journal Of Economics, Finance And Management Studies 06(05):1855–63. Doi: 10.47191/Jefms/V6-I5-02.
Ngan, Nguyen Thi, And Bui Huy Khoi. 2020. “Behavioral Intention To Accept And Use Banking Service.” Journal Of Asian Finance, Economics And Business 7(11):393–400. Doi: 10.13106/Jafeb.2020.Vol7.No11.393.
Nustini, Yuni, Maslachatul Ummah, And Windy Arum Samira. 2020. Inovasi Pemanfaatan Teknologi Informasi Pada Industri Perbankan Studi Terhadap Penggunaan Mobile Banking. Yog: Ekonisia.
Ojk. 2021. “Buletin Kiset Kebijakan Perbankan.” Departemen Penelitian Dan Pengaturan Perbankan, 1–148.
Outlet Bsi Ro Ix Kalimantan. 2024. Bsi Mobile - User Registrasi.
Parasuraman, A. 2000. “Technology Readiness Index (Tri): A Multiple-Item Scale To Measure Readiness To Embrace New Technologies.” Journal Of Service Research 2(4):307–20. Doi: 10.1177/109467050024001.
Parasuraman, A., And Charles L. Colby. 2015. “An Updated And Streamlined Technology Readiness Index: Tri 2.0.” Journal Of Service Research 18(1):59–74. Doi: 10.1177/1094670514539730.
Rahardja, Untung, Intan Dwi Hapsari, P. O. Hadi Putra, Achmad Nizar Hidayanto, And Fabio Fruggiero. 2023. “Technological Readiness And Its Impact On Mobile Payment Usage : A Case Study Of Go-Pay.” Cogent Engineering 10(1):1–23. Doi: 10.1080/23311916.2023.2171566.
Raj Kishor Kampa. 2023. “Combining Technology Readiness And Acceptance Model For Investigating The Acceptance Of M-Learning In Higher Education In India.” Asian Association Of Open Vol. 18(No. 2):105–20. Doi: 10.1108/Aaouj-10-2022-0149.
Sarstedt, Marko, Christian M. Ringle, And Joseph F. Hair. 2021. Partial Least Squares Structural Equation Modeling.
Singh, Ruchita Pangriya And Aditi Priya. 2021. “The Differencing Views Of Technology Readiness And Acceptance Model : A Literature Review.” Turkish Journal Of Computer Mathematics Education Vol. 12(No. 4):1–22.
Siregar, Syofian. 2017. Metode Penelitian Kuantitatif: Dilengkapi Dengan Perbandingan Perhitungan Manual Dan Spss. 2017th Ed. Edited By Tambra23. Jakarta: Kencana.
Statistik, Otoritas Jasa Keuangan (Ojk) Dan Badan Pusat. 2024. Siaran Pers Bersama : Ojk Bps Umumkan Hasil Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2024.
Sugiyono. 2016. Metode Penelitian Pendidikan: Pendekatan Kuantitatif, Kualitatif, Dan R&D. Bandung: Alfabeta.
Sugiyono. 2018. Metode Penelitian Manajemen. 2018th Ed. Edited By Setiyawami. Bandung: Alfabeta.
Trenevska Blagoeva, Kalina, Marina Mijoska Belsoska, And Marija Trpkova-Nestorovska. 2020. “Mobile Banking Adoption Analysis In North Macedonia Using Tam.” Jel Classification 247–59. Doi: 10.47063/Ebtsf.2020.0023.
Venkatesh, Viswanath, And Fred D. Davis. 2015. “A Theoretical Extension Of The Technology Acceptance Model : Four Longitudinal A Theoretical Extension Of The Technology Acceptance Model : Four Longitudinal Field Studies.” Institute For Operations Research And The Management Sciences (Informs) 46(2):186–204. Doi: 10.1287/Mnsc.46.2.186.11926.
Wandira, Raju, And Ahmad Fauzi. 2022. “Tam Approach: Effect Of Security On Customer Behavioral Intentions To Use Mobile Banking.” Daengku: Journal Of Humanities And Social Sciences Innovation 2(2):192–200. Doi: 10.35877/454ri.Daengku872.
Wandira, Raju, Ahmad Fauzi, Fauzan Azim, And Firdaus Annas. 2022. “Customer Acceptance Analysis Of Islamic Bank Of Indonesia Mobile Banking Using Technology Acceptance Model ( Tam ).” International Journal Of Informatics And Information Systems 5(2):92–100.
Wicaksono, Soetam Rizky. 2022. Teori Dasar Technology Acceptance Model. Malang: Cv. Seribu Bintang.
Arfarizan, And Asyari Hasan. 2022. “Digitalization Of Gold Transactions : E-Mas Features On Bsi Mobile Sharia Maqashid Framework.” Budapest International Research And Critics Institute-Journal (Birci-Journal) 5(3):25350–61. Doi: Https://Doi.Org/10.33258/Birci.V5i3.6580 25350.
Baca, Granit, Artan Hajdini, And Shaqir Elezaj. 2023. “Adoption Of Electronic Banking: An Extension Of Technology Acceptance Model (Tam).” Ekonomski Pregled 74(6):818–39. Doi: 10.32910/Ep.74.6.2.
Batubara, Maryam, Nurul Jannah, And Annisa Lestari Ritonga. 2023. “The Effect Of Perceived Usefulness , Ease Of Use And Security On Interest In Using Bsi Mobile Services With Trust As Intervening Variable (Case Study On Uinsu Medan Students) Maryam.” International Journal Of Economics, Business And Accounting Research (Ijebar) 2023(1):1–9. Doi: Https://Jurnal.Stie-Aas.Ac.Id/Index.Php/Ijebar.
Bothma, Mia, And Leandrie Mostert. 2023. “Adopting The Technology Acceptance Model: A Namibian Perspective.” Sa Journal Of Information Management 25(1):1–10. Doi: 10.4102/Sajim.V25i1.1624.
Ghozali, Imam. 2016. Partial Least Squares: Konsep, Teknik Dan Aplikasi Menggunakan Program Smartpls 3.0. Semarang: Badan Penerbit Universitas Diponegoro.
Hadi, Sutrisno. 2016. Metodologi Riset. 2nd Ed. Yogyakarta: Pustaka Pelajar.
Jasmi, Yusup Ansor, Irnal Fiscallutfi, Nahor. 2015. Bijak Ber-Electronic Banking. Otoritas Jasa Keuangan.
Jeong, Seong-Ha, And Ha-Kyun Kim. 2023. “Effect Of Trust In Metaverse On Usage Intention Through Technology Readiness And Technology Acceptance Model.” Original Scientific Paper 30(3):837–45. Doi: Https://Doi.Org/10.17559/Tv-20221111061245.
Karim, Md Waisul, Mohammad Arije Ulfy, And Md Nazmul Huda. 2020. “Determining Intention To Use Smartphone Banking Application Among Millennial Cohort In Malaysia Determining Intention To Use Smartphone Banking Application.” International Journal Of Management And Sustainability 9(1):43–53. Doi: 10.18488/Journal.11.2020.91.43.53.
Kumar, Ashish, Sanjay Dhingra, Vikas Batra, And Harish Purohit. 2020. “A Framework Of Mobile Banking Adoption In India.” Journal Of Open Innovation: Technology, Market, And Complexity 6(2):40. Doi: 10.3390/Joitmc6020040.
Lai, Yin Ling, Joseph Lee, Quantity Surveying, And Quantity Surveying. 2020. “Integration Of Technology Readiness Index ( Tri ) Into The Technology Acceptance Model ( Tam ) For Explaining Behavior In Adoption Of Bim.” Asian Education Studies 5(2):10–17. Doi: 10.20849/Aes.V5i2.816.
Lin, Chien-Hsin, And Peter J. Sher. 2007. “Readiness Into Technology Acceptance : The Tram Model.” Psychology & Marketing 24(7):641–55. Doi: 10.1002/Mar.20177.
Mahmood, Asif, Muhammad Imran, And Kamran Adil. 2023. “Modeling Individual Beliefs To Transfigure Technology Readiness Into Technology Acceptance In Financial Institutions.” Sage (March):1–19. Doi: 10.1177/21582440221149718.
Matthew, Godfred, Yaw Owusu, Rita Amoah Bekoe, Annice Amoasa Addo-, James Otieku, Godfred Matthew, Yaw Owusu, Rita Amoah Bekoe, And Annice Amoasa Addo-Yobo. 2020. “Mobile Banking Adoption Among The Ghanaian Youth.” Journal Of African Business 00(00):1–22. Doi: 10.1080/15228916.2020.1753003.
Mawaddah, Nia Kurnia, And Astari Retnowardhani. 2023. “User Technology Readiness And Acceptance Of Mobile Human Resources Information Application.” Informatics Journal 8(1):30–36.
Mulyati, Yofina, And Alvin Alfian. 2023. “The Role Of Attitude In Mediating The Influence Of Perceived Usefulness On Intention To Use Nagari Mobile Banking.” Journal Of Economics, Finance And Management Studies 06(05):1855–63. Doi: 10.47191/Jefms/V6-I5-02.
Ngan, Nguyen Thi, And Bui Huy Khoi. 2020. “Behavioral Intention To Accept And Use Banking Service.” Journal Of Asian Finance, Economics And Business 7(11):393–400. Doi: 10.13106/Jafeb.2020.Vol7.No11.393.
Nustini, Yuni, Maslachatul Ummah, And Windy Arum Samira. 2020. Inovasi Pemanfaatan Teknologi Informasi Pada Industri Perbankan Studi Terhadap Penggunaan Mobile Banking. Yog: Ekonisia.
Ojk. 2021. “Buletin Kiset Kebijakan Perbankan.” Departemen Penelitian Dan Pengaturan Perbankan, 1–148.
Outlet Bsi Ro Ix Kalimantan. 2024. Bsi Mobile - User Registrasi.
Parasuraman, A. 2000. “Technology Readiness Index (Tri): A Multiple-Item Scale To Measure Readiness To Embrace New Technologies.” Journal Of Service Research 2(4):307–20. Doi: 10.1177/109467050024001.
Parasuraman, A., And Charles L. Colby. 2015. “An Updated And Streamlined Technology Readiness Index: Tri 2.0.” Journal Of Service Research 18(1):59–74. Doi: 10.1177/1094670514539730.
Rahardja, Untung, Intan Dwi Hapsari, P. O. Hadi Putra, Achmad Nizar Hidayanto, And Fabio Fruggiero. 2023. “Technological Readiness And Its Impact On Mobile Payment Usage : A Case Study Of Go-Pay.” Cogent Engineering 10(1):1–23. Doi: 10.1080/23311916.2023.2171566.
Raj Kishor Kampa. 2023. “Combining Technology Readiness And Acceptance Model For Investigating The Acceptance Of M-Learning In Higher Education In India.” Asian Association Of Open Vol. 18(No. 2):105–20. Doi: 10.1108/Aaouj-10-2022-0149.
Sarstedt, Marko, Christian M. Ringle, And Joseph F. Hair. 2021. Partial Least Squares Structural Equation Modeling.
Singh, Ruchita Pangriya And Aditi Priya. 2021. “The Differencing Views Of Technology Readiness And Acceptance Model : A Literature Review.” Turkish Journal Of Computer Mathematics Education Vol. 12(No. 4):1–22.
Siregar, Syofian. 2017. Metode Penelitian Kuantitatif: Dilengkapi Dengan Perbandingan Perhitungan Manual Dan Spss. 2017th Ed. Edited By Tambra23. Jakarta: Kencana.
Statistik, Otoritas Jasa Keuangan (Ojk) Dan Badan Pusat. 2024. Siaran Pers Bersama : Ojk Bps Umumkan Hasil Survei Nasional Literasi Dan Inklusi Keuangan Tahun 2024.
Sugiyono. 2016. Metode Penelitian Pendidikan: Pendekatan Kuantitatif, Kualitatif, Dan R&D. Bandung: Alfabeta.
Sugiyono. 2018. Metode Penelitian Manajemen. 2018th Ed. Edited By Setiyawami. Bandung: Alfabeta.
Trenevska Blagoeva, Kalina, Marina Mijoska Belsoska, And Marija Trpkova-Nestorovska. 2020. “Mobile Banking Adoption Analysis In North Macedonia Using Tam.” Jel Classification 247–59. Doi: 10.47063/Ebtsf.2020.0023.
Venkatesh, Viswanath, And Fred D. Davis. 2015. “A Theoretical Extension Of The Technology Acceptance Model : Four Longitudinal A Theoretical Extension Of The Technology Acceptance Model : Four Longitudinal Field Studies.” Institute For Operations Research And The Management Sciences (Informs) 46(2):186–204. Doi: 10.1287/Mnsc.46.2.186.11926.
Wandira, Raju, And Ahmad Fauzi. 2022. “Tam Approach: Effect Of Security On Customer Behavioral Intentions To Use Mobile Banking.” Daengku: Journal Of Humanities And Social Sciences Innovation 2(2):192–200. Doi: 10.35877/454ri.Daengku872.
Wandira, Raju, Ahmad Fauzi, Fauzan Azim, And Firdaus Annas. 2022. “Customer Acceptance Analysis Of Islamic Bank Of Indonesia Mobile Banking Using Technology Acceptance Model ( Tam ).” International Journal Of Informatics And Information Systems 5(2):92–100.
Wicaksono, Soetam Rizky. 2022. Teori Dasar Technology Acceptance Model. Malang: Cv. Seribu Bintang.
Published
2026-05-30
How to Cite
Zein, E., Mainata, D., & Wibowo, A. (2026). PENGARUH TECHNOLOGY READINESS ACCEPTANCE MODEL TERHADAP MINAT PENGGUNAAN BSI MOBILE (STUDI BSI KCP SAMARINDA BUNG TOMO). Indonesian Scientific Journal of Islamic Finance, 4(2), 192-220. https://doi.org/10.21093/inasjif.v4i2.11470
Section
Articles
Copyright (c) 2026 Indonesian Scientific Journal of Islamic Finance
This work is licensed under a Creative Commons Attribution 4.0 International License.
