Analysis of User Readiness and Acceptance of SeaBank Indonesia Using the Technology Readiness and Acceptance Model (TRAM) Approach

Abstract

The financial sector has been significantly impacted by information
technology, with digital banks emerging to provide services through
digital platforms. SeaBank Indonesia, a digital bank, offers conveniences
like online account opening, free interbank transfers, and various digital
payment options. However, some users have reported issues with the
application, such as login problems and slow processing times.
Additionally, some conventional customers remain hesitant to adopt
digital banking due to inexperience and security concerns. This study
aims to explore factors influencing users' adoption of SeaBank Indonesia
by applying the Technology Readiness and Acceptance Model (TRAM).
Using a quantitative approach with purposive sampling, the research
collected 421 valid responses from SeaBank Indonesia users through
online questionnaires. Data analysis employed partial least squares
structural equation modeling (PLS-SEM). The results accepted 8 out of
12 hypotheses, revealing that intention to use is directly influenced by
perceived usefulness, perceived ease of use, and perceived security.
Perceived usefulness is directly affected by optimism, innovativeness,
and perceived ease of use, while perceived ease of use is directly
influenced by optimism and innovativeness. These findings provide
insights into the factors driving digital banking adoption in Indonesia,
highlighting the importance of user-friendly interfaces, perceived
security, and technological readiness in shaping users' intentions to use
digital banking applications like SeaBank Indonesia.