Title: Analysis of the level readiness and acceptance Bravo technology with the technology readiness and acceptance model (TRAM) approach (case study in financial firm)

Authors: Maghfur Rozudin; Udisubakti Ciptomulyono; Jani Rahardjo; Muhammad Ainul Fahmi

Addresses: Management of Technology, Institut Teknologi Sepuluh Nopember, Surabaya, 60111, Indonesia ' Department of Industrial and Systems Engineering, Institut Teknologi Sepuluh Nopember, Surabaya, 60111, Indonesia ' Department of Industrial and Systems Engineering, Universitas Kristen Petra, Surabaya, 60236, Indonesia ' Logistic Business, Universitas Padjadjaran, Bandung, 45363, Indonesia

Abstract: The successful implementation of a new technology can never be separated from the user readiness and acceptance. This study aims to analyse the level of readiness and acceptance technology. It was found that 11 hypotheses were accepted, 5 were rejected. Positive factor of TRI significantly affects PU, but only the Innovativeness variable has a significant effect on perceived ease of use (PEOU). Negative factors do not have a significant influence. External factors have a significant influence on PEOU. Research using technology readiness and acceptance model (TRAM) has never been carried out in multifinance, so the results are expected to be input for companies as technology improvements in the future.

Keywords: TRI; technology readiness index; TAM; technology acceptance model; TRAM; technology readiness and acceptance model; PU; PEOU; perceived ease of use.

DOI: 10.1504/IJMEF.2025.148083

International Journal of Monetary Economics and Finance, 2025 Vol.18 No.2/3, pp.187 - 195

Received: 25 Jul 2023
Accepted: 04 May 2024
Published online: 25 Aug 2025 *

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