Vol.11, No.2, May 2022.                                                                                                                                                                                   ISSN: 2217-8309

                                                                                                                                                                                                                        eISSN: 2217-8333


TEM Journal



Association for Information Communication Technology Education and Science

Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model


Ayatulloh Michael Musyaffi, Razana Juhaida Johari, Ida Rosnidah, Dwi Kismayanti Respati, Christian Wiradendi Wolor, Muhammad Yusuf


© 2022 Ayatulloh Michael Musyaffi, published by UIKTEN. This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. (CC BY-NC-ND 4.0)


Citation Information: TEM Journal. Volume 11, Issue 2, Pages 683-694, ISSN 2217-8309, DOI: 10.18421/TEM112-23, May 2022.


Received: 15 January 2022.

Revised:   01 April 2022.
Accepted: 06 April 2022.
Published: 27 May 2022.




Digital banking can make banking transactions easier in daily life. However, the presence of technology does not seem to be welcomed. This is due to the unpreparedness of technology for digital banking technology. The target respondents are millennial generation users in Indonesia who use digital banking services during post-corona virus. The sample selection using random sampling with 422 respondents. The data analyses were performed using SEM-PLS. The results show that Optimism, Discomfort, and Insecurity affect the acceptance of digital banking based on perceived ease of use and usefulness. However, Innovativeness has no connection on perceived usefulness. This is because post-covid conditions, the most important thing is how digital banking can support survival. They also argue that digital banking can make it easier and useful for daily life, especially in payment features connected.


Keywords –Behavioural Intention, Digital Banking, TAM, Technology Adoption, Technology Readiness.



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