Measurement of User Acceptance of BRImo Application with Technology Acceptence Model (TAM) Approach

Sela Halimatus Sakdiah; Farah  Faizah; Oktavia Lisa Nurhalizah

doi:10.59934/jaiea.v4i3.1179

Authors

Sela Halimatus Sakdiah UPN "Veteran" Jawa Timur
Farah Faizah UPN "Veteran" Jawa Timur
Oktavia Lisa Nurhalizah UPN "Veteran" Jawa Timur

DOI:

https://doi.org/10.59934/jaiea.v4i3.1179

Keywords:

TAM, BRImo, Fintech

Abstract

This study investigates the factors influencing user acceptance of the BRImo mobile banking application using the Technology Acceptance Model (TAM). As the adoption of fintech in Indonesia rapidly increases, understanding user behavior towards digital banking platforms becomes critical. The research analyzes six key variables: perceived usefulness, perceived ease of use, perceived trust, subjective norm, user attitude, and intention to use. Data were collected through a questionnaire distributed to 398 active BRImo users and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results show that perceived trust is the most significant factor influencing user attitude, which subsequently impacts the intention to continue using the application. Perceived usefulness also has a positive influence, while perceived ease of use and subjective norm were found to have no significant effect. The study concludes that trust in the application's security and reliability plays a critical role in shaping user attitudes and behavioral intentions. These findings suggest that developers should prioritize features that enhance credibility and user trust to improve acceptance and usage of digital banking services like BRImo.

Downloads

Download data is not yet available.

References

A. Sadiqin, F. Komariyah, and H. D. Prasetyo, “Pengaruh Penerapan Teknologi Finansial ( Fintech ) Terhadap Efisiensi Operasional Perbankan di Indonesia Pendahuluan Dalam beberapa tahun terakhir , teknologi finansial atau fintech telah Bank Indonesia dan Otoritas Jasa Keuangan ( OJK ) juga telah member,” vol. 1, no. 1, pp. 11–18, 2024.

P. R. Damayanti and G. S. Palupi, “Penerapan Metode E-Service Quality dan Importance Performance Analysis (IPA) untuk Analisis Kualitas Layanan Transfer Terhadap Kepuasan Pengguna Aplikasi BRImo,” J. Emerg. Inf. Syst. Bus. Intell., vol. 4, no. 3, pp. 115–125, 2023, [Online]. Available: https://cekgangguan.id/layanan/m-banking-

A. Siswoyo and B. S. Irianto, “Analisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking,” Owner, vol. 7, no. 2, pp. 1196–1205, 2023, doi: 10.33395/owner.v7i2.1440.

C. H. Putri et al., “Pengukuran Penerimaan Pengguna Aplikasi Jconnect Mobile Menggunakan Model Extended,” Zo. J. Sist. Inf., vol. 6, no. 3, pp. 572–583, 2024.

B. Ly and R. Ly, “Internet banking adoption under Technology Acceptance Model—Evidence from Cambodian users,” Comput. Hum. Behav. Reports, vol. 7, no. August, p. 100224, 2022, doi: 10.1016/j.chbr.2022.100224.

S. Gulo and A. Telaumbanua, “Analisis Persepsi Masyarakat Penggunaan Layanan Transaksi Digital ( Studi Kasus Pada Aplikasi Brimo Di Kelurahan Ilir Kota Gunungsitoli ),” vol. 8, pp. 458–462, 2024.

A. S. Fauzi, “Eksplorasi Kepuasan Dan Loyalitas Pelanggan Dalam Layanan Bank Dan Fintech: Studi Kualitatif,” J. Mandalika Lit., vol. 3, no. 4, pp. 207–212, 2022, doi: 10.36312/jml.v3i4.1557.

Iskandar Joko, Prasetya Agung, Kartika Sari Yayak, and Agung Cahyono Taufiq, “Analisis Penerimaan Sistem Informasi Akademik Universitas Bhineka PGRI Menggunakan Integrasi Model TPB dan TAM,” JIPI (Jurnal Ilm. Penelit. dan Pembelajaran Inform., vol. 7, no. 1, pp. 254–263, 2022.

I. D. Sujatmiko and I. G. L. P. E. Prismana, “Implementasi Technology Acceptance Model 3 (TAM 3) terhadap kepuasan pengguna aplikasi investasi dan trading saham (Studi kasus: aplikasi mobile IPOT),” J. Emerg. Inf. Syst. Bus. Intell., vol. 3, no. 01, pp. 35–44, 2022, [Online]. Available: https://ejournal.unesa.ac.id/index.php/JEISBI/article/view/44214%0Ahttps://ejournal.unesa.ac.id

S. Rivaldi and D. Dinaroe, “Faktor-Faktor Yang Mempengaruhi Minat Penggunaan Fintech Pada Umkm Di Kota Banda Aceh Menggunakan Pendekatan Technology Acceptance Model (Tam),” J. Ilm. Mhs. Ekon. Akunt., vol. 7, no. 1, pp. 1–15, 2022, doi: 10.24815/jimeka.v7i1.20309.

E. Wijaya and R. Susilawati, “Pengaruh Persepsi Risiko dan Kepercayaan (Trust) pada Adopsi Layanan Fintech (Studi Kasus pada Layanan Pembayaran Digital Gopay),” Indones. Account. Lit. J., vol. 2, no. 1, pp. 202–209, 2022, doi: 10.35313/ialj.v2i1.3355.

S. T. Dayana Kam, “Technologhy Acceptance Model (TAM) Terhadap Adopsi Aplikasi Financial Teknologi (Studi Kasus Pengguna Aplikasi Pospay),” Innov. J. Soc. Sci. Res., vol. 4, no. 3 SE-Articles, pp. 5477–5491, 2024, [Online]. Available: https://j-innovative.org/index.php/Innovative/article/view/10008

A. Ilahiyah and Poniman, “Analisis Tingkat Kepuasaan Pengguna terhadap Sistem E-Commerce Menggunakan Metode SEM-PLS,” J. Manuf. Ind. Eng. Technol., vol. 2, no. 1, pp. 29–33, 2023, doi: 10.30651/mine-tech.v2i1.17625.

J. W. Fernanda, V. Luthifiana, and M. K. Akhyar, “Analisis Partial Least Square Structural Equation Model (PLS-SEM) untuk Pemodelan Penerimaan Sistem Jaringan Informasi Bersama Antar Sekolah (JIBAS),” J Stat. J. Ilm. Teor. dan Apl. Stat., vol. 15, no. 2, pp. 292–297, 2022, doi: 10.36456/jstat.vol15.no2.a6436.

Z. Y. Pamungkas, A. Sudiarno, P. Korespondensi, and P. Teknologi, “Implementasi Model Utaut ( Unified Theory of Acceptance and Use of Technology ) Untuk Menganalisis Faktor-Faktor Yang Implementation of the Utaut ( Unified Theory of Acceptance and Use of Technology ) Model To Analyze Factors Affecting Acceptance and Use ,” vol. 9, no. 3, 2022, doi: 10.25126/jtiik.202296047.

A. Pratita, T. L. M. Suryanto, A. Pratama, and A. Wibowo, “ChatGPT in Education: Investigating Students Online Learning Behaviors,” Int. J. Inf. Educ. Technol., vol. 15, no. 3, pp. 510–524, 2025, doi: 10.18178/ijiet.2025.15.3.2262.

D. E. Crystle Rampen and J. I. Sihotang, “Analisis Penggunaan Layanan Mobile Banking Terhadap Transaksi Pembayaran Menggunakan Metode Extended TAM,” CogITo Smart J., vol. 7, no. 1, pp. 85–95, 2021, doi: 10.31154/cogito.v7i1.303.85-95.

M. Zaki and S. Saiman, “Kajian tentang Perumusan Hipotesis Statistik Dalam Pengujian Hipotesis Penelitian,” JIIP - J. Ilm. Ilmu Pendidik., vol. 4, no. 2, pp. 115–118, 2021, doi: 10.54371/jiip.v4i2.216.