Implementation of Sharia Digital Payments at the Society in Kediri City: A Technology Acceptance Model (TAM) Theory Approach at BSI Mobile Services

Abstract

The aim of this research is to find out how Kediri residents can adopt BSI Mobile service technology. The theoretical framework is based on the Technology Acceptance Model (TAM) with quantitative research techniques with 100 respondents using Likert scale measurements on each variable using a five-point Likert scale with SmartPLS tools, Reliability Test, Outer Model Test, Inner Model Analysis, Hypothesis Test through bootstrapping. As a result, perceived ease of use and perceived usefulness have a positive and significant impact on actual use of the system, and perceived ease of use has a positive and significant impact on enjoyment of use and perceived usefulness. This will greatly affect the actual use of the system. Perceived ease of use has a positive and significant impact on actual system use through usage choice, while perceived usefulness through usage choice has no impact on actual system use. This study concluded that BSI Mobile service users have a positive effect on the convenience of the people of Kediri city in getting services from Bank Syariah Indonesia.