Sikap Mahasiswa dalam Adopsi Aplikasi Keuangan BRIMO dengan Pendekatan Technology Acceptance Model (TAM)

  • Moh Sahdan Saputra Universitas Teknologi Sumbawa
  • Muhammad Nurjihadi Universitas Teknologi Sumbawa
Keywords: User attitudes, BRIMO adoption, perceived ease of use, perceived usefulness, Structural Equation Modeling Partial Least Squares (SEM-PLS), Technology Acceptance Model (TAM), university students


This study aims to investigate the attitudes of university students towards the adoption of the BRIMO financial application using the Technology Acceptance Model (TAM) approach. The research employed a quantitative survey-based methodology, with the target population consisting of students who are users of the BRIMO application. The research sample comprised more than 100 respondents selected through convenience sampling. The questionnaire was developed based on relevant previous research, and data were collected using a Likert scale with 4 categories. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) method. The findings of the study revealed that the perceived ease of use has a significant positive impact on the usage attitude towards the BRIMO application among students. However, the perceived usefulness was not found to have a significant influence on the usage attitude. Additionally, the perceived ease of use was also found to have a significant positive effect on the perceived usefulness, with the perceived usefulness acting as a mediating variable between the perceived ease of use and the usage attitude towards the BRIMO application among students.


Download data is not yet available.


D. Tapscott, The Digital Economy ANNIVERSARY EDITION: Rethinking Promise and Peril in the Age of Networked Intelligence, 2nd ed. New York: McGraw Hill Professional, 2014.

E. Junarsin et al., “Can technological innovation spur economic development? The case of Indonesia,” J. Sci. Technol. Policy Manag., 2021, doi: 10.1108/JSTPM-12-2020-0169.

R. Boateng, R. Heeks, A. Molla, and R. Hinson, “E-commerce and socio-economic development: Conceptualizing the link,” Internet Res., vol. 18, no. 5, pp. 562–594, 2008, doi: 10.1108/10662240810912783.

I. Lee and Y. J. Shin, “Fintech: Ecosystem, business models, investment decisions, and challenges,” Bus. Horiz., vol. 61, no. 1, pp. 35–46, 2018, doi: 10.1016/j.bushor.2017.09.003.

P. R. D. Istiarni and P. B. Hadiprajitno, “Internet Banking Dengan Sikap Penggunaan Sebagai Variabel Intervening (Studi Empiris : Nasabah Layanan Internet Banking di Indonesia),” Diponegoro J. Account., vol. 03, no. 2, pp. 1–10, 2014.

S. Kumar, A. Li, H. Wong, H. Chauhan, S. Shubhankar, and I. Oetama, “Indonesia ’ s Fintech Industry is Ready to Rise,” Boston, 2023.

P. P. Patil, Y. K. Dwivedi, and N. P. Rana, “Digital Payments Adoption: An Analysis of Literature,” IFIP Int. Fed. Inf. Process., pp. 61–70, 2017, doi: 10.1007/978-3-319-68557-1.

M. Chuttur, “Association for Information Systems AIS Electronic Library (AISeL) Overview of the Technology Acceptance Model: Origins, Developments and Future Directions,” Work. Pap. Inf. Syst., vol. 9, no. 37, pp. 9–37, 2009.

A. Daragmeh, C. Lentner, and J. Sági, “FinTech payments in the era of COVID-19: Factors influencing behavioral intentions of ‘Generation X’ in Hungary to use mobile payment,” J. Behav. Exp. Financ., vol. 32, p. 100574, 2021, doi:

F. Munoz-Leiva, S. Climent-Climent, and F. Liébana-Cabanillas, “Determinants of Intention to Use the Mobile Banking Apps: An Extension of the Classic TAM Model,” SSRN Electron. J., 2019, doi: 10.2139/ssrn.3489124.

M. Abdullah, Metodologi Penelitian Kuantitatif. 2015.

J. F. Hair, M. Sarstedt, L. Hopkins, and V. G. Kuppelwieser, “Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research,” Eur. Bus. Rev., vol. 26, no. 2, pp. 106–121, 2014, doi: 10.1108/EBR-10-2013-0128.

I. Ghozali, Desain Penelitian Kuantitatif dan Kualitatif untuk Akuntansi, Bisnis dan Ilmu Sosial Lainnya, First. Yoga Pratama, 2016.

P. Barrett, “Structural equation modelling: Adjudging model fit,” Pers. Individ. Dif., vol. 42, no. 5, pp. 815–824, 2007, doi: 10.1016/j.paid.2006.09.018.

W. A. Alkhowaiter, “Digital payment and banking adoption research in Gulf countries: A systematic literature review,” Int. J. Inf. Manage., vol. 53, no. February, 2020, doi: 10.1016/j.ijinfomgt.2020.102102.

F. A. A. Ramli and M. I. Hamzah, “Mobile payment and e-wallet adoption in emerging economies: A systematic literature review,” J. Emerg. Econ. Islam. Res., vol. 9, no. 2, p. 1, 2021, doi: 10.24191/jeeir.v9i2.13617.

N. Marangunić and A. Granić, “Technology acceptance model: a literature review from 1986 to 2013,” Univers. Access Inf. Soc., vol. 14, no. 1, pp. 81–95, 2015, doi: 10.1007/s10209-014-0348-1.

How to Cite
Saputra, M. S., & Nurjihadi, M. (2023). Sikap Mahasiswa dalam Adopsi Aplikasi Keuangan BRIMO dengan Pendekatan Technology Acceptance Model (TAM). BIOS : Jurnal Teknologi Informasi Dan Rekayasa Komputer, 4(1), 18-24.