Articles

The Influence of Public Sphere, Perceived Usefulness, and Trust on Mobile Payment Intention with Attitude as a Mediating Variable

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The objective of this study is to understand the social and psychological factors that influence user intentions and attitudes in using mobile payment services in Indonesia. This study examines the influence of Public Sphere, Perceived Usefulness, and Trust on user attitudes and intentions, as well as the role of Attitude as a mediating variable.  A quantitative method is used in this study by collecting data through an online survey using Google Forms in which the respondents are active users of mobile payment services in Indonesia. The data analysis is conducted using descriptive and inferential statistics to examine the relationships between variables. The result of this study shows that Perceived Usefulness and Trust significantly influence users’ positive attitudes toward mobile payment. Moreover, the Public Sphere, which presents user discussions and experiences through social media, also has a positive effect on perceived usefulness and users’ intention to keep using the service. On the other hand, Public Sphere has no direct effect on attitudes, and Trust does not mediate attitudes toward usage intentions. The main findings indicate that user attitudes play an important role as mediators that strengthen the influence of perceived usefulness and trust on their intention to use mobile payments in the future. This study provides implications which are crucial for the digital financial services industry and policymakers. The strategies that emphasize to increase trust through security features and strengthen positive experiences and discussions in digital public spaces can increase the intention and sustainability of mobile payment use in Indonesia. Furthermore, developing humanistic content and emphasizing user experiences in digital public spaces is necessary to shape better attitudes and usage intentions.

Perceived Usefulness and Ease of Use of ICT as Predictors of Faculty Instructional Adaptability

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In higher education, using information and communication technology (ICT) is now essential. Faculty need to adjust their teaching to fit technology-rich classrooms. This study looked at how faculty members’ views on the usefulness and ease of use of ICT affect their ability to adapt in teaching. The research used a quantitative descriptive-correlational design and regression analysis, collecting data from 37 faculty members at a private college in Iligan City through a survey. Data were analyzed using Mann–Whitney, Kruskal–Wallis, Spearman correlation, and multiple regression. Teachers reported very high levels of perceived usefulness, ease of use, and instructional adaptability. There were no major differences in adaptability based on sex, education, or job status. The results showed a weak but significant link between instructional adaptability and perceived usefulness, while perceived ease of use had a strong and significant link. Regression analysis found that effective resource management and teacher readiness and skills are strong predictors of educational outcomes. Overall, practical skills and confidence in using ICT, rather than just seeing its benefits, were most important for improving faculty adaptability and technology use.

Technology Paradox and User Intention: The Claude AI Application

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The purpose of this study is to develop a deeper understanding of the factors influencing user intention to adopt Claude, an AI-based chatbot designed to provide ethical, safe, and high-context interaction.The study involves 200 respondents in Indonesia who have used AI at least once, with data analyzed using AMOS 21. The results show that initial trust has a positive and significant effect on perceived usefulness and perceived ease of use, while social influence also significantly enhances both perceptions. Perceived usefulness and perceived ease of use significantly influence users’ attitudes and directly affect their intention to use Claude. However, initial trust does not have a significant effect on attitude. Furthermore, attitude does not mediate the relationships between perceived usefulness or perceived ease of use and intention to use, indicating that behavioral intention is primarily shaped by direct cognitive evaluations rather than affective responses. Overall, perceived usefulness and perceived ease of use emerge as the main determinants of intention to use, with initial trust and social influence acting as important antecedents in shaping early user perceptions. This study extends TAM in the context of AI chatbot adoption and provides practical insights for improving AI acceptance among young users.

Behavioural Intention to use Mobile Money Services in the Gambia: A case study of wave

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This Study investigates the behavioural intention to use mobile money services in the Gambia: Case study of Wave. A Qualitative explanatory approach was employed, with data collected through distribution to 120 respondents. The SmartPLS 4’s Partial Least Squares–Structural Equation Modeling (PLS-SEM) was used for the analysis.. The study is based on the Technology Acceptance Model (TAM), which was first presented by Davis and colleagues in 1989.It is a theoretical framework that builds upon the Theory of Reasoned Action (TRA). TRA suggests that an individual‟s response or perception of something can influence their behaviour. The findings indicate that perceived usefulness, perceived ease of use, and perceived trust have a significant influence on intention to use mobile money services. These results suggest that to enhance user adoption and satisfaction, Wave Mobile Money should maintain its simple app design and onboarding process, focusing on user-centred design to reduce effort and improve usability.

Strategy for Embracing Digital Technology at XYZ Life Insurance Company

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In the last two decades, insurance markets in industrialised countries have undergone significant transformation due to deregulation, increased competition and globalisation. This evolution has also impacted emerging markets such as Indonesia, where the insurance sector, particularly digital insurance, presents both challenges and opportunities. This study aims to explore the factors that influence customer adoption of digital insurance platforms in Indonesia, focusing on perceived ease of use, usability, customer experience, trust in technology, and innovativeness. The research employed both qualitative and quantitative methodologies, including thematic analysis of interviews and multiple linear regression analysis of survey data. The results showed that while perceived usefulness and innovativeness had a positive effect on adoption intention, perceived ease of use had a negative impact, indicating the need for a balance between simplicity and security. Trust in technology, while not directly impactful, is still important for building user confidence. This study highlights the importance of user education, strong data protection, and innovative features in driving digital insurance adoption. However, limitations such as the focus on certain factors and the cross-sectional nature of this study indicate the need for further research to cover a wider range of variables and longitudinal data.

The Digitalization of Distributor Management System at Pertamina Lubricants: Issues and Solutions on the Implementation Stage

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Pertamina Lubricants has stated digital transformation as one of its breakthrough projects to accelerate digitalization as one of its strategic initiatives. This strategic initiative has objectives to enhance channel management and the capability of distributors as strategic business partners to achieve their sales volume target set by the management of Pertamina Lubricants. This journal aims to evaluate and improve the digital distributor management system to help distributors of Pertamina Lubricants achieve their sales volume target.