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Technological advancements have had a significant impact on facilitating financial transactions, one of which is through the use of digital payment systems. ShopeePay, as one of the e-wallets that has rapidly grown in Indonesia, offers convenience in making cashless transactions. Although ShopeePay is becoming increasingly popular, several factors still influence the behavior of its use, particularly among Generation Z. This study aims to analyze the factors that affect ShopeePay usage behavior among Generation Z students at the Universitas Muhammadiyah Surakarta using the UTAUT model. The sampling method used is convenience sampling. This quantitative research uses primary data collected through an online questionnaire via a Google Form link. A total of 275 respondents are involved in the study. Data analysis is conducted using the Smart PLS application. The results of the study indicate that performance expectancy, social influence, and facilitating conditions have affect use behavior, while effort expectancy does not have use behavior. This study emphasizes the importance of performance, social, and infrastructure support aspects in enhancing the acceptance of ShopeePay as a digital payment technology.

The advancement of payment technology has shifted the role of cash to non-cash systems. Generation Z plays a significant role in the adoption of this technology. One of the innovations introduced by Bank Indonesia is the Quick Response Code Indonesian Standard (QRIS), launched on August 17, 2019, to support digital payments through server-based e-money applications, e-wallets, or mobile banking. This study aims to analyze the factors influencing QRIS usage behavior among Generation Z based on the Unified Theory of Acceptance and Use of Technology (UTAUT). The study employs a quantitative method involving 275 respondents collected through an online questionnaire. Data are analyzed using SmartPLS. The results show that performance expectancy, facilitating conditions, and social influence have a positive influence on QRIS usage behavior. In contrast, effort expectancy does not have an influence. These findings are expected to support strategies for increasing QRIS adoption among Generation Z.

This study aims to analyze the impact of effort expectancy, perceived enjoyment, and performance expectancy on behavioral intention through customer satisfaction in the use of digital fintech services, with a particular focus on Generation X (ages 44-59). Data were collected through a questionnaire adapted from the Unified Theory of Acceptance and Use of Technology (UTAUT) model, involving 175 Generation X respondents in Indonesia. The sampling method used was non-probability sampling with a purposive sampling technique. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM PLS) with Smart PLS software. The results of the study show that perceived enjoyment does not have a significant effect on behavioral intention, and effort expectancy does not significantly affect customer satisfaction. However, effort expectancy, performance expectancy, and customer satisfaction have a significant effect on behavioral intention. Perceived enjoyment and performance expectancy significantly influence customer satisfaction. On the other hand, effort expectancy does not significantly affect behavioral intention through customer satisfaction, while perceived enjoyment and performance expectancy significantly affect behavioral intention through customer satisfaction

This study aims to examine the effect of the implementation of the Quick Response Code Indonesian Standard (QRIS) in increasing business income, especially for Micro, Small and Medium Enterprises (MSMEs) using the Technology Acceptance Model (TAM) approach. The method used in this study is a descriptive quantitative approach, which aims to provide an overview of the QR Code implementation. The population in this study involved MSME owners, with a sample taken from 100 respondents through non-probability sampling techniques. Data collection was done through questionnaires. Data analysis includes testing research instruments to assess data quality (validity and reliability), classical assumption test (normality), as well as multiple linear regression analysis and hypothesis testing (t test and F test). The results show that QRIS implementation and user satisfaction have a significant influence on increasing MSME income, which supports TAM theory regarding the importance of perceived usefulness and perceived ease of use in technology acceptance. However, other variables, such as QRIS usage literacy, convenience of use, and QRIS service price, did not show a significant influence on MSME income. Simultaneously, these factors still have an effect on MSME income, although with different variations in influence.

This study examines how women entrepreneurs in Micro, Small, and Medium Enterprises (MSMEs) in the creative economy sector leverage digital technology to strengthen their roles in the urban tourism ecosystem. Using a qualitative approach supported by secondary data and non-intervention observations over six months in South Jakarta, the study analyzes the dynamics of digital adoption, the cultural value of creative products, and structural barriers affecting women's entrepreneurial experiences. The findings reveal that digital utilization is most prominent on easily accessible platforms such as Instagram, TikTok, and WhatsApp, while the use of more complex tools, such as marketplaces, websites, and analytics, remains limited. Women’s creative products, in subsectors like culinary, crafts, fashion, and others, prove to enrich the tourism experience and reinforce the city's destination identity. However, low digital literacy, minimal mentoring, and weak integration into the formal tourism supply chain hinder the optimization of these potentials. Additionally, the digital adoption patterns found support the Technology Acceptance Model's explanation that the perceived ease of use is a key factor in early technology adoption. This study fills an important gap in the literature by linking gender issues, digital transformation, the creative economy, and urban tourism within a unified framework. The research emphasizes the importance of strengthening digital capabilities and structured collaboration between women-led MSMEs and tourism stakeholders to enhance the sustainable competitiveness of destinations.

This research discusses the factors that influence the performance of Accounting Information Systems (AIS) in companies, which are very important in supporting operational efficiency and decision making. This system plays a vital role in managing financial data, but is often hampered by problems with the quality of human resources, technology and data management. The theoretical study uses the Information Systems Success Model and Technology Acceptance Model to evaluate AIS performance in terms of system quality, information, services and user acceptance. This research methodology uses a qualitative approach with document analysis, reviewing journals and related research reports. The research results show that the main factors influencing AIS performance include HR skills, choosing the right technology, data quality, and user adaptation to the system. Therefore, companies need to invest in human resource development, choose appropriate technology, and ensure accurate data management. In conclusion, to improve AIS performance, companies must manage these factors well so that they can support more precise and efficient decision making.

In the 5.0 industrial revolution, the field of education has been impacted by the sophistication of technology. The use of ChatGPT, commonly known as AI, greatly assists users in obtaining information, one of which is the use of ChatGPT among students in completing their assignments. This research aims to analyze the factors influencing the acceptance of ChatGPT users using the Technology Acceptance Model (TAM) method among students at Amikom Purwokerto University. The TAM method is used to evaluate two main variables, namely Perceived Usefulness (PU) and Perceived Ease of Use (PEOU), as well as their impact on user attitude (Attitude Toward Using), intention to use (Behavioral Intention to Use), and actual usage by users (Actual System Use). This research uses a quantitative approach with a survey method, where data is collected through questionnaires distributed to students of Universitas Amikom Purwokerto. The analysis results show that PU and PEOU have a significant influence on user attitudes, which affects the intention to use ChatGPT, encouraging users to use ChatGPT more frequently in their activities.

The emergence of a new paradigm in the field of education and increasingly advanced technological developments, namely the emergence of an electronic learning system known as E-learning. One of the most popular E-learning media in Indonesia is the Ruangguru online learning application which can be accessed via Smartphone. The purpose of this study was to analyze the factors that influence student acceptance of the Ruangguru application using the Technology Acceptance Model (TAM) method. 5 (five) TAM research model constructs were used, namely Perceived Usefulness, Perceived Ease of Use, Attitude Toward Using Behavioral Intention of Use and Actual System Use. Data collection used was an online questionnaire from Google Form with a purposive sampling technique. Valid questionnaire data was processed using the SmartPLS 3 program with 3 (three) structural analysis models, namely Outer Model Analysis, Inner Model Analysis, and Hypothesis Testing.    

The payment digitization process is inherent for MSMEs to improve they transaction. Digital payments that starting to be demand today is QR codes, namely QRIS. One of the cities that used QRIS is Tasikmalaya City. Cikurubuk Market is one of markets that has started to implement QRIS from 2020. However, until now the implementation are still not effective in use. This study to analyze and provide recommendations regarding efforts to implement QRIS in Cikurubuk Market, Tasikmalaya City, with an approach from the Technology Acceptance Model (TAM) theory. The results that perceived usefulness still does not have an impact and usefulness on the performance merchants because of the lack of buyers using QRIS and support systems that are still lacking. In perceived ease of use, merchants understand how to use QRIS because it is easy, even though the role of the organizers themselves still does not provide good socialization. From these two perceptions, of course, it forms the attitude and intention of the traders that they will continue to use QRIS in their shophouses. The biggest hope for the organizers is to carry out socialization and increase their seriousness to implement this QRIS so that it can be useful in practice.    

The development of interactive education as learning in education generally has several influencing factors, such as teachers who teach experiencing difficulties in keeping up with developments in information technology, learning media support tools for teaching in institutions are still limited in their use, only a few teachers use information technology in learning media because they have the knowledge to apply it to the teaching process, then from the problems that occur, the objectives include this research, designing an application interface display concept as an innovation in the use of learning technology according to needs, then creating an augmented reality learning application about the solar system according to the design created, after knowing the objectives What will be carried out in this research is implementing the use of an augmented reality application for the solar system using the marker based tracking method, where there is 3D object scanning of each planetary object in the solar system, while testing the application on 50 students of SDN Kebon Jeruk 15 Pagi, both classes VI A and B uses the user acceptance model (UAT), from the explanation explained if it is analyzed it produces an augmented reality application that has been created regarding the Android-based solar system so that it can be concluded that the testing process can be categorized as good or not in terms of AR applications and 3D object marker flashcards for students at school.

In the current era, persuasive technology is increasingly being used in the health and wellness field to help users improve their lifestyle and find information about their health problems. Along with the rapid development of science and technology in this digital era, the field of education is also experiencing the same thing. This research was conducted to examine the use of persuasive technology adoption in the education domain. Along with the rapid development of Information and Communication Technology (ICT) in this digital era, the field of education is also experiencing technological advances and developments that bring innovation to education. This can be seen from the many digital platforms used by schools to support learning such as Google Classroom, Noosphere, Zoom, Canva For Education, Smart Library, etc. This research uses a descriptive qualitative method with a post-positivist approach. Research data were obtained from interviews, observations, and studying supporting documents/data. Interviews were conducted with informants, namely teachers and curriculum developers. The theories used in this research are the Media Richness Theory (MRT) and the Technology Acceptance Model (TAM). This study concludes that the adoption of persuasive technology that has been implemented by Pahoa Integrated School has been running effectively. In practice, the persuasive technology applied by Pahoa Integrated School has been able to accommodate the communicator (teacher), and the medium (application) to communicants (students). This research can make a real contribution, especially in the field of education at large, so that persuasive technology can be effectively integrated into learning.

This qualitative study investigates the perceptions of Vietnamese tertiary English as a Foreign Language (EFL) teachers regarding the impact of artificial intelligence (AI) on student creativity in language learning. Amidst the rapid integration of AI in educational contexts, this research focuses on a relatively unexplored area: the intersection of AI technology and creative language pedagogy in the Vietnamese educational setting. Nine EFL teachers from two institutions in Vietnam, representing novice, mid-career, and near-end career stages, participated in semi-structured interviews. The study employed the Technology Acceptance Model (TAM) and the Creativity in Language Learning Framework (CLLF) as its theoretical basis. Thematic analysis of the interview data revealed four key themes: the perceived impact of AI on creative language practice, challenges in integrating AI with creative pedagogy, varied perceptions of AI’s role in developing student autonomy, and the impact of AI on traditional teaching methods and teacher roles. The findings indicated a spectrum of perspectives, from viewing AI as a beneficial tool for creative engagement to concerns over its potential to limit creative thinking and traditional pedagogical approaches. The study highlights the complexity of integrating AI into language learning and its influence on both teaching practices and student creativity.

The study aims to determine how much (1) the effect of perceived ease of use on perceived usefulness in P2P Lending for culinary MSMEs in Karanganyar town square, (2) the effect of perceived ease of use on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (3) the effect of perceived usefulness on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (4) the effect of trust on attitude toward using in P2P Lending for culinary MSMEs in Karanganyar town square, and (5) the effect of attitude toward using on behavioral intention to use P2P Lending for culinary MSMEs in Karanganyar town square. This research uses Technology Acceptance Model (TAM) research methods with a sample of 75 respondents. Data analysis techniques using PLS SEM which consist of outer model and inner model. The outer model consists of convergent validity test, discriminat validity test, undimensionalitas test, and reliability test. The inner model uses R- square, Q square, path coefficient, Goodness of Fit, and descriptive analysis. The result showed that (1) perceived ease of use has a significant effect on perceived usefulness in P2P Lending for culinary MSMEs in Karanganyar town square, (2) perceived ease of use has a significant effect on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (3) perceived usefulness has a significant effect on trust in P2P Lending for culinary MSMEs in Karanganyar town square, (4) trust has a significant effect attitude toward using in P2P Lending for culinary MSMEs in Karanganyar town square, (5) attitude toward using has a significant effect on behavioral intention to use P2P Lending for culinary MSMEs in Karanganyar town square.    

Teacher 4.0 is a concept of future educators created to explain the characteristics of educators who can handle various technologies with effective teaching in parallel with the transformation of Education 4.0. Readiness and acceptance of the use of various smart technologies, better known as Technology 4.0 experienced a large-scale shift in the national education system, especially in teaching and learning methods. This includes all levels from primer to higher education institutions. The transformation of 4.0 requires improvement in teachers' competency to enhance teaching and to ensure it is in line with the country’s objective in producing highly competitive, innovative educators and students in the era of 4.0. The need for a measurement tool is important due to the lack of research conducted to test the competence of Teacher 4.0. Thus, this study was conducted to measure the competence of Teacher 4.0 by creating a new instrument adapted from the DigCompEdu model. Appropriate constructs were validated and hypotheses were tested using PLS-SEM approach to evaluate the contribution of each construct towards Teacher 4.0 competency. The sample used in this study involves 274 among MARA teachers’ pre-university institutions across Malaysia. A total of three formative constructs were identified, namely teaching and learning, assessment and facilitating students' Technology 4.0 competence. Questionnaires were distributed to respondents using purposive sampling and the data obtained was analyzed using SEM-PLS software. The results of the analysis show that all constructs have passed sufficient convergent validity. Hypothesis verification analysis shows that all constructs have a positive contribution towards Teacher 4.0 competency. Overall, this study has created a new measurement instrument that can measure the competence of Teacher 4.0 and improvised the DigCompEdu model. Findings can be a reflection indicator for teachers to improve teaching methods and strategies in addition to developing existing competencies. The problems arising from this study can be indicators for educational institutions to ensure that the facilities and infrastructure required for Technology 4.0 can be expanded in line with their needs as an educational support tool.

E-Wallet is an application-based service that makes it easy for users to save money and use it as a payment method. This research aims to analyze the factors that influence e-wallet use among Gen Z FEB Unud students based on the Technology Acceptance Model (TAM) theory, which focuses on how perceived usefulness and perceived ease of use influence actual system use through behavioral intention as mediation. . The number of samples used was 203 respondents using the purposive sampling method . The research instrument used a questionnaire with a 5 point Likert scale . The collected data was then tested and analyzed using path analysis with the SPSS 21 program. The results of the research show that perceived usefulness and perceived ease of use have a positive and significant effect on actual system use through behavioral intention as a mediation of e-wallet use among Gen Z FEB Unud Student.    

. ChatGPT is one of the growing innovations in artificial intelligence (AI) technology in the field of education, aiming to assist humans in finding information and completing work efficiently. However, students' lack of understanding of the positive uses and benefits of ChatGPT as a self-learning medium results in low adoption rates and underutilized learning potential. Therefore, this study aims to understand the level of acceptance and the impact that influences students in adopting ChatGPT technology so that it can provide direction and recommendations for schools to increase their self-learning awareness through the utilization of AI. The study used a quantitative approach and interviews with public high school students with the construction of the UTAUT 2 model as a framework. The population of public high school students was 3,405, probability sampling was used as the sampling method then the data was processed using SEM analysis using SmartPLS 3.2.9 software.

With the rapid development of technology, its use has expanded to all sectors, including education. Artificial Intelligence (AI) plays an important role in providing innovative solutions, mimicking human intelligence, and potentially replacing human roles in several functions. In education, AI has proven to enhance learning motivation and active student participation. YouChat, an AI chatbot based on GPT-3.5, is used as a learning assistant offering features such as answering questions and providing idea suggestions. Observations and literature studies show that this application has great potential to improve students' learning experiences. This thesis aims to evaluate the acceptance of the YouChat application on students' learning experiences in public higher education institutions in Surabaya using the Technology Acceptance Model (TAM). Data were collected from 399 students and processed using the SEM-PLS technique with SmartPLS 3.2.9 software, including outer model, inner model, and hypothesis testing. The thesis results show that perceived enjoyment and perceived informativeness significantly affect attitude, which in turn affects the intention to use. The variable trust also moderates the effect of perceived informativeness on attitude. This thesis provides insights into students' acceptance of the YouChat application in their learning process as an evaluation for improvement, development, and enhancement for both YouChat and educational institutions.

The development of AI is having a significant impact on education. AI applications are designed to improve student understanding, but their implementation faces challenges that affect user acceptance. Initial research with the UTAUT2 model in public high schools showed that only hedonic motivation, habit, facilitating conditions, and behavioral intention had a significant influence on application acceptance and use. Therefore, this study will use a simplification model that focuses on significant variables, namely hedonic motivation (HM) and habit (H) on behavioral intention (BI), as well as facilitating conditions (FC), habit (H), and behavioral intention (BI) on use behavior (UB). This study is expected to provide in-depth insight into the important factors that influence the acceptance and use of AI applications in learning, as well as provide practical contributions to improve the implementation of learning technology in high schools.

This research was conducted to determine the perception and readiness of an online shop to use a financial accounting application based on the Technology Acceptance Model (TAM) theory. Therefore, interpretive qualitative research was carried out using a descriptive case study approach at the online shop "Sweet Palettee" as the research object. The data collection techniques used were interviews, observation and archival recordings. From the data that has been collected and analyzed by researcher, it is concluded that the use of the financial accounting application carried out by Sweet Palettee based on the Technology Acceptance Model (TAM) theory is going quite well. Each aspect of TAM is interconnected, which overall has a positive role for Sweet Palettee in the acceptance and use of the "Money+" financial accounting application. With this research, it is hoped that it can increase insight and knowledge for researcher and for academics, also can be used as a reference for related companies to make decisions in the future.

WiFi facilities as a learning medium are very helpful for teaching staff and students in the teaching and learning process. It is hoped that the use of WiFi facilities as a learning medium can increase students' learning motivation. The aim of this research is to determine the effect of wifi facilities in the school environment on students' learning motivation at Ibnurusyd Islamic High School, Kotabumi, North Lampung with a sample of 100 students from several levels. Data collection was carried out using the TAM (technology Acceptance Model) method. Data collection techniques can be carried out by distributing questionnaires to students at Ibnurusyd Islamic High School, Kotabumi. The results of the analysis from this research are that the wifi facilities in the learning environment at Ibnurusyd Islamic High School Kotabumi are good for implementing learning activities, this can be seen from the results of the questionnaire which obtained a percentage of 31.3%. The greater the use of WiFi facilities for learning activities as a learning medium, the greater the influence on student learning motivation.