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Analysis of User Behavior Intention Using UTAUT with Technology Readiness as a Moderator on Mitratel Digital Twin Technology

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Digital Twins technology can provide various benefits for a company, including asset management and operational efficiency. PT Dayamitra Telekomunikasi, Tbk (Mitratel) started a trial of using Digital Twins in its use faced with challenges in the adoption of digital twins. In adopting digital twins in the Mitratel company, this study explores the relationship between UTAUT-1 parameters, Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC) with Behaviour Intention (BI). In addition, this study will also look at the role of Technology Readiness (TR) parameters which consist of Optimism (OPT), Innovativeness (INN), Discomfort (DIS), and Insecurity (INS) parameters where these parameters moderate the relationship between UTAUT-1 parameters and Behaviour Intention (BI). The study used a Quantitative Method with a Likert scale on 307 random employee respondents who were processed using the Partial Least Square (PLS) model. The results showed that the Performance Expectancy (PE) parameter has a significant effect on Behavior Intention (BI) of using Digital Twins, while for other UTAUT-1 parameters it does not have a significant effect on Behaviour Intention (BI). Although the value of the Technology Readiness (TR) parameter is at the level of 3.21, the role of the Technology Readiness (TR) parameter does not significantly affect the relationship between the UTAUT-1 parameters on Behavior Intention (BI). The implication of the results of this analysis is that companies can develop the right Digital Twins features because the Performance Expectancy (PE) parameter has the most significant level of influence on Behavior Intention (BI). In addition, companies can also implement a training approach among employees to manage the level of Optimism (OPT) parameters while reducing the impact of high Discomfort (DIS) levels.

The Analysis of the “Buy Now, Pay Later” Use Intention in Indonesia

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The Rapid technological and informational advancements have an effect on the financial industries. One of its offerings is financial technology, sometimes known as fintech. In 2018, a number of fintech startups introduced products that enable clients to make installment payments without credit cards. This is referred to as Buy Now, Pay Later (BNPL). Then, numerous technology firms, such as Traveloka, Shopee, and Gojek, embrace this approach to round out their payment alternatives. The market for BNPL in Indonesia is quite promising. Demand for BNPL is quite high, as seen by the rapid expansion of BNPL providers in Indonesia. Many companies, including Traveloka, Gojek, Shopee, and others, demonstrated a rise in BNPL product usage. Using the Technology Readiness and Acceptance Model, this study examines the Buy Now, Pay Later usage intent (TRAM). This study concludes that technology readiness, perceived usefulness, and perceived simplicity of use influence the intention to use a BNPL product, with perceived usefulness having the most direct impact on users’ intentions.