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Finding Digital Readiness: How Motivation Drives Bank Employees in Indonesia to Thrive? Cover

Finding Digital Readiness: How Motivation Drives Bank Employees in Indonesia to Thrive?

Open Access
|Mar 2026

Abstract

The purpose of this study is to assess factors affecting the digital readiness of employees working within an Indonesian bank. The literature referred to in this study deals with intrinsic motivation, extrinsic motivation, digital readiness, and the technology acceptance model (TAM). This study adopted a quantitative approach, where the selected population was employees working in the Indonesian banking sector, and the sample of this study was employees who were affected by digitalization. Related to the dynamics to be proven in this study, the data analysis technique of this study adopted partial least squares structural equation modeling. The results of this study indicate that perceived ease of use and perceived usefulness can mediate both intrinsic and extrinsic motivation toward employees’ intentional digital readiness. The results of this study can be a valuable input for banks in Indonesia and other banks that have similar characteristics to Indonesia to consider not only extrinsic motivation but also help employees understand the importance of readiness for digitalization from within themselves.

DOI: https://doi.org/10.2478/fman-2025-0021 | Journal eISSN: 2300-5661 | Journal ISSN: 2080-7279
Language: English
Page range: 311 - 324
Published on: Mar 12, 2026
In partnership with: Paradigm Publishing Services
Publication frequency: 1 issue per year

© 2026 Hijri Jati Muharini MUHARINI, Inge RAHMASARI, Juniar SUHARTOYO, Anita MAHARANI, published by Warsaw University of Technology
This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License.