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Abstrak :
Penelitian ini fokus pada analisis penerapan e-government melalui aplikasi Sistem Informasi Online Layanan Administrasi (SIOLA) di Kementerian Dalam Negeri (Kemendagri). Tujuan dari keberadaan aplikasi ini adalah untuk meningkatkan kualitas pelayanan dan menciptakan pelayanan yang efektif, efisien, cepat, mudah, serta semua pelayanan dapat diproses secara online tanpa ada lagi pelayanan secara manual. Pada penerapannya aplikasi ini masih mengalami beberapa kendala yaitu seperti masih ditemui pelayanan yang belum sepenuhnya dilakukan secara online dan ada beberapa layanan yang tidak aktif digunakan. Dengan menggunakan pendekatan post positivisme, peneliti melakukan analisis terhadap penerapan e-government melalui sistem informasi online layanan administrasi untuk mengetahui sejauh mana peran sistem informasi ini dalam menunjang proses pelayanan di Kemendagri. Menggunakan Teknik pengumpulan data melalui wawancara dan studi dokumentasi serta studi literatur dengan menggunakan teori IS Success Model oleh DeLone dan McLean (2003) yang terdiri dari 6 (enam) variabel yaitu system quality, information quality, service quality, intention to use/use, user satisfication dan net benefit, peneliti mendapatkan data sebagai dasar penilaian penerapan e-government melalui aplikasi SIOLA. Hasil penelitian menunjukkan bahwa penerapan e-government melalui aplikasi SIOLA di Kemendagri belum berjalan dengan baik. Masih terdapat sejumlah indikator penunjang kesuksesan sistem informasi yang dinilai belum memadai. ......This study focuses on analyzing the implementation of e-government through the application of the Online Service Administration Information System (SIOLA) at the Ministry of Home Affairs (Kemendagri). The purpose of this application is to improve service quality and create services that are effective, efficient, fast, easy, and all services can be processed online without manual service. In its application, this application still experiences several problems, namely services that have not been fully carried out online and some services that are not actively used. Using a post-positivism approach, researchers conducted an analysis of the implementation of e-government through an online information system for administrative services to determine the extent of the role of this information system in supporting the service process at the Ministry of Home Affairs. Using data collection techniques through interviews and documentation studies as well as literature studies using the IS Success Model theory by DeLone and McLean (2003) which consists of 6 (six) variables namely system quality, information quality, service quality, intention to use/use, user satisfication and net benefit, researchers obtain data as a basis for evaluating the implementation of e-government through the SIOLA application. The results of the study show that the application of e-government through the SIOLA application at the Ministry of Home Affairs has not gone well. There are still a number of indicators supporting the success of information systems that are considered inadequate.

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ABSTRAK
Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi efektivitas pelaksanaan on-the-job training dengan pendekatan information system success model di PT Pelabuhan Indonesia II (Persero). Variabel yang terkandung pada penelitian ini antara lain variabel system quality, information quality, service quality, system use, user satisfaction, dan OJT effectiveness. Penelitian ini menggunakan pendekatan Information System Success Model. Metode analisis data yang digunakan adalah Struktural Equation Modeling. Hasil yang didapatkan dari hipotesis pengujian menunjukkan bahwa variabel system quality, information quality, dan service quality memiliki pengaruh signifikan terhadap OJT effectiveness dengan dimediasi oleh system use. Variabel system quality dan service quality memiliki pengaruh signifikan terhadap OJT effectiveness dengan dimediasi oleh user satisfaction.

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ABSTRACT
This study aimed to analyze factors that influence the effectiveness of on-the-job training approach to Information System Success Model at PT Pelabuhan Indonesia II (Persero). Variables contained in this research are system quality, information quality, service quality, system use, user satisfaction, and OJT effectiveness. This research used Information System Success Model. Methods of data analysis using Structural Equating Modeling. Results obtained from hypothesis testing showed that the variables of system quality, information quality, and service quality has a significant influence on the effectiveness OJT mediated by system use. Variable system quality and service quality has a significant influence on the effectiveness OJT mediated by user satisfaction.

Abstrak :
ABSTRAK
Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi efektivitas pelaksanaan on-the-job training dengan pendekatan information system success model di PT Pelabuhan Indonesia II Persero . Variabel yang terkandung pada penelitian ini antara lain variabel system quality, information quality, service quality, system use, user satisfaction, dan OJT effectiveness.Penelitian ini menggunakan pendekatan Information System Success Model. Metode analisis data yang digunakan adalah Struktural Equation Modeling. Hasil yang didapatkan dari hipotesis pengujian menunjukkan bahwa variabel system quality, information quality, dan service quality memiliki pengaruh signifikan terhadap OJT effectiveness dengan dimediasi oleh system use. Variabel system quality dan service quality memiliki pengaruh signifikan terhadap OJT effectiveness dengan dimediasi oleh user satisfaction.

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ABSTRACT
This study aimed to analyze factors that influence the effectiveness of on the job training approach to Information System Success Model at PT Pelabuhan Indonesia II Persero . Variables contained in this research are system quality, information quality, service quality, system use, user satisfaction, and OJT effectiveness.This research used Information System Success Model. Methods of data analysis using Structural Equating Modeling. Results obtained from hypothesis testing showed that the variables of system quality, information quality, and service quality has a significant influence on the effectiveness OJT mediated by system use. Variable system quality and service quality has a significant influence on the effectiveness OJT mediated by user satisfaction.

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ABSTRAK
Dalam rangka pengelolaan data yang terintegrasi, terpusat dan dapat diakses secara online, demi meningkatkan kualitas pelayanan data dan informasi MKG yang cepat, tepat dan handal, BMKG berupaya menerapkan Sistem E-Government bernama Sistem BMKGSoft. Implementasi sistem ini diharapkan dapat berhasil dan mampu menjadi single data provider BMKG. Namun di dalam pelaksanaannya, terdapat berbagai permasalahan yang mengindikasikan implementasi sistem ini belum sukses, diantaranya target monitoring pengiriman data yang tidak tercapai akibat kurangnya entry data hasil pengamatan oleh pegawai di UPT, fitur aplikasi yang belum lengkap, ketersediaan data level 2 yang belum lengkap, belum up-to-date dan belum akurat, format keluaran yang belum sesuai harapan serta belum adanya SOP mengenai entry data hasil pengamatan yang mampu mencerminkan tujuan single data provider. Hal ini menyebabkan harapan Sistem BMKGSoft sebagai single data provider belum dapat tercapai. Berdasarkan hal tersebut, penelitian ini ingin melakukan identifikasi terhadap faktor-faktor kesuksesan implementasi Sistem BMKGSoft. Penelitian ini menggunakan model kesuksesan informasi dari Delone dan Mclean 2003 yang dimodifikasi dengan penambahan variabel dari rujukan penelitian terdahulu. Variabel yang digunakan yaitu: System quality, information quality, service quality, facilitating condition, extrinsic motivation, organizational support, management support, intention to use, user satisfaction dan net benefit. Metode analisis data menggunakan Partial Least Square Structural Equation Modeling PLS-SEM dan tools smartPLS 3.2.7. Hasil analisis menunjukkan faktor-faktor yang memengaruhi kesuksesan implementasi Sistem BMKGSoft adalah system quality, information quality, service quality, extrinsic motivation, intention to use, user satisfaction dan net benefit.

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ABSTRACT
Meterological, Climatological and Geophysical Agency BMKG have to manage data that is integrated, centralized and accessible online, in order to improve the quality of Meterological, Climatological and Geophysical data and information quickly, accurately and reliably, BMKG seeks to implement the E Government System called BMKGSoft System. Implementation of this system is expected to be successful and able to become single data provider BMKG. But in fact, there are various problems that indicate the implementation of this system has not been successful, such as The target monitoring of data transmission that is not achieved due to lack of data entry observations by employees in the stations, application features incomplete, the availability of data level 2 is not complete, not up to date and not yet accurate, output format that has not been as expected and the absence of Standard of Procedure on data entry observations that are able to reflect the single provider data destination. This has led to the expectation of BMKGSoft System as single data provider yet to be achieved. Based on this, this study would like to identify the factors of successful implementation of BMKGSoft System. This study uses the success model of information from Delone and Mclean 2003 , modified with the addition of variables from previous research references. The variables used are System quality, information quality, service quality, facilitating condition, extrinsic motivation, organizational support, management support, intention to use, user satisfaction and net benefit. Methods of data analysis using Partial Least Square Structural Equation Modeling PLS SEM and tools smartPLS 3.2.7. The results of the analysis show that factors affect the success of BMKGSoft system implementation are system quality, information quality, service quality, extrinsic motivation, intention to use, user satisfaction and net benefit

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Dalam rangka menunjang program penataan sumber daya manusia, Kementerian Luar Negeri membangun aplikasi Sistem Informasi Manajemen Pegawai (Simpeg) sebagai tahapan dalam pembangunan Human Resource Information System (HRIS) Kementerian Luar Negeri. Akan tetapi, sistem tersebut memiliki kendala karena tidak berjalan sesuai dengan harapan stakeholder. Penelitian ini bertujuan untuk melakukan evaluasi faktor-faktor apa saja yang mempengaruhi kesuksesan penerapan aplikasi Simpeg di Kementerian Luar Negeri dengan menggunakan model turunan dari Information System Success Model, Technology Acceptance Model, UTAUT dan Trust Model. Data penelitian didapatkan dengan menyebarkan kuesioner kepada 160 pegawai di kantor pusat serta kantor perwakilan RI di beberapa negara. Data penelitian tersebut dianalisa menggunakan konsep Structural Equation Modelling (SEM) bebasis kovarian dengan menggunakan perangkat lunak Amos. Hasil penelitian menunjukkan bahwa faktor-faktor yang berpengaruh secara signifikan terhadap kesuksesan penerapan Simpeg di Kementerian Luar Negeri adalah System Quality, Information Quality, Service Quality, Percieved Ease of Use, Habit dan User Satisfaction. ...... In order to support Human Resource Management program, Ministry of Foreign Affairs develops Human Resource Information System in a small scale. However, there are some problems while implementing this system because it did notalign with the stakeholder requirements yet. The objective of this research is to evaluate factors that influence the successful implementation of Human Resource Information System in Ministry of Foreign Affairs using derrivative model of Information System Success Model, Technology Acceptance Model, UTAUT and Trust Model. The research model wa applied to collect from the questionnaries answered by 160 users of Human Resource Information System from the headquarter office and also from Indonesian Embassy offices in some countries.The results were analyzed using Structural Equation Modelling (SEM) covarian-based in Amos. The results indicated factors that influence the successful implementation of Human Resource Information System in Ministry of Foreign Affais are System Quality, Information Quality, Service Quality, Percieved Ease of Use, Habit and User Satisfaction.

Abstrak :
SIMAK-BMN memiliki peranan yang sangat penting dalam pelaksanaan penatausahaan BMN. Namun dalam penggunaannya, aplikasi SIMAK-BMN belum sepenuhnya dapat dimanfaatkan dengan baik oleh pengguna di Kementerian Pekerjaan Umum. Selain itu, terdapat keluhan tentang perlunya perbaikan SIMAK-BMN secara berkelanjutan dari para pengguna, padahal di lain pihak, pengembang aplikasi justru seringkali melakukan perbaikan terhadap aplikasi. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi efektivitas penerapan SIMAK-BMN di Kementerian Pekerjaan Umum. Model yang digunakan dalam penelitian ini mengacu pada model keberhasilan sistem informasi DeLone dan McLean dikombinasikan dengan model penerimaan teknologi UTAUT. Variabel yang digunakan dalam penelitian meliputi performance expectancy, effort expectancy, social influence, facilitating conditions, system quality, information quality, dan service quality. Pengolahan data dilakukan dengan PLS-SEM dikarenakan data yang digunakan dalam penelitian tidak memenuhi asumsi SEM. Hasil dari penelitian didapatkan bahwa faktor yang mempengaruhi efektivitas penerapan SIMAK-BMN adalah effort expectancy, service quality dan facilitating conditions. Selain ketiga faktor tersebut, terdapat beberapa faktor di luar penelitian yang diperoleh berdasarkan pertanyaan terbuka yang disertakan dalam kuesioner penelitian. Dengan demikian, permasalahan yang terkait dengan faktor-faktor tersebut perlu mendapat perhatian khusus baik oleh pengembang aplikasi serta unit pembina guna tercapainya efektivitas penerapan SIMAK-BMN. ......SIMAK-BMN has an important role on assets administration. Unfortunately, SIMAK-BMN doesn’t take in a good use by the user at the ministry of public works. On the other hand, there are complaint about the need for enhancement of SIMAK-BMN by the user while application developers make improvements repeatedly. This study aims to determine factors that influence the effectiveness of SIMAK-BMN in ministry of public works. Model used in this study refers to the successful model of information system by DeLone and McLean combined with the technology acceptance model UTAUT. Variabel used in this study includes performance expectancy, effort expectancy, social influence, facilitating conditions, system quality, information quality, and service quality. Application that are used for data processing is PLS-SEM because the data used in this study did not meet SEM assumptions. The results of the study showed that the factors that influence the effectiveness of SIMAK-BMN are effort expectancy, facilitating conditions, and service quality. In addition to these three factors, there are several factors beyond the research obtained by open-ended questions were included on questionnaire. Thus, the problems associated with these factors need special attention either by the developers and supporting unit to achieve effective implementation of SIMAK-BMN.

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Aplikasi e-Bupot 23/26 dibuat oleh Direktorat Jenderal Pajak dengan tujuan untuk mempermudah setiap kewajiban Wajib Pajak dalam melakukan penyetoran dan pelaporan SPT PPh 23/26 dengan adanya kepastian hukum atas Bukti Potong yang diterbitkan. Penelitian ini bertujuan untuk melihat evaluasi sistem e-Bupot 23/26 berdasarkan Technology of Acceptance Model (TAM) dan DeLone and McLean IS Success Model (D&M). Penelitian ini dilakukan pada PT XYZ (sebuah perusahaan jasa bandar udara) dan tenant PT XYZ dengan pendekataan studi kasus dan metode kualitatif. Teknik pengumpulan data yang digunakan adalah wawancara semi terstruktur. Hasil evaluasi sistem e-Bupot 23/26 berdasarkan persepsi tenant PT XYZ menunjukkan bahwa aplikasi e-Bupot 23/26 memberikan kemudahan dalam proses administrasi perpajakan dimana dapat dilihat dari adanya kevalidan data lawan transaksi, dasar pemotongan PPh 23/26, dan pelaporan SPT PPh 23/26 secara online. Sedangkan dari persepsi PT XYZ menunjukkan bahwa Bukti Potong hasil dari e-Bupot 23/26 dapat memberi keunggulan dari segi perhitungan PPh Tahunan Badan Perusahaan dimana fitur barcode pada Bukti Potong dapat memperkecil atau bahkan membuat PT XYZ terhindar dari penolakan pengkreditan. ......The e-Bupot 23/26 application is made by the Directorate General of Taxes with the aim of facilitating every taxpayer's obligation in depositing and reporting the Monthly Tax Return WHT Art 23 with legal certainty on the issued Withholding Tax Slip. This study aims to evaluate the e-Bupot 23/26 system based on the Technology of Acceptance Model (TAM) and the DeLone and McLean IS Success Model (D&M). This research was conducted at PT XYZ (an airport service company) and its tenants with a case study approach and qualitative methods. The data collection technique used is semi-structured interview. The results of the evaluation of the e-Bupot 23/26 system based on the perception of PT XYZ’s tenants show that the e-Bupot 23/26 application provides convenience in the tax administration process which can be seen from the validity of the counterparty data, the basis for Withholding Tax Slip Art 23/26, and online reporting The Monthly Tax Return WHT Art 2/26. Meanwhile, PT XYZ's perception show that Withholding Tax Slip from e-Bupot 23/26 can provide advantages in terms of calculating the Company's Annual Income Tax where the barcode feature on the Withholding Tax Slip can reduce or even prevent PT XYZ from credit rejection.

Abstrak :
Aplikasi investasi merupakan platform yang memungkinkan pengguna untuk dapat melakukan investasi secara online di berbagai instrumen atau aset investasi seperti saham, reksa dana, cryptocurrency, dan lainnya. Berdasarkan data dari laporan statistik pasar modal Indonesia KSEI (2022), jumlah investor di Indonesia mengalami peningkatan yang signifikan dari tahun 2019. Akan tetapi, jumlah investor tersebut jika dibandingkan dengan rasio penduduk yang ada di Indonesia masih lebih rendah dibandingkan negara-negara lain di kawasan Asean. Oleh karena itu, penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi customer intention pada aplikasi investasi dengan mengintegrasikan teori initial trust dan IS Success Model. Penelitian ini menggunakan metode analisis mixed-method, dengan didahului oleh proses analisis kuantitatif yang dilanjutkan dengan proses analisis kualitatif. Metode analisis kuantitatif dilakukan dengan menyebarkan kuesioner online dengan target responden pengguna aplikasi investasi di Indonesia. Sebanyak 489 responden berhasil didapatkan dan dianalisis secara kuantitatif menggunakan metode partial least square structural equation modelling (PLS-SEM). Penelitian kualitatif dilakukan dengan melakukan wawancara bersama 7 narasumber. Penelitian ini menemukan bahwa perceived benevolence, perceived integrity, dan perceived ability sebagai penyusun dari initial trust. Penelitian ini juga menemukan bahwa firm reputation, structural assurance, trust propensity, system quality, information quality, dan service quality memberikan pengaruh yang signifikan terhadap initial trust pengguna. Initial trust dan perceived usefulness juga ditemukan memberikan pengaruh signifikan terhadap intensi pengguna pada aplikasi investasi. Selain itu, penelitian ini menemukan bahwa financial literacy tidak mempengaruhi secara signifikan intensi pengguna dalam mengadopsi aplikasi investasi. Penelitian ini berkontribusi mengenai wawasan terkait integrasi initial trust model, dimension of trust dan IS success model dalam intensi pengadopsi aplikasi investasi di Indonesia. Penelitian ini juga mampu memberikan manfaat kepada penyedia layanan aplikasi investasi dalam mengembangkan aplikasi investasi untuk menghasilkan produk dan layanan yang sesuai dengan harapan dari pengguna dan pemerintah Indonesia dalam rangka mendorong pertumbuhan ekonomi di Indonesia. ......Investment applications are platforms that allow users to invest online in various investment instruments or assets such as stocks, mutual funds, cryptocurrencies, and others. Based on data from KSEI's statistical report on the Indonesian capital market (2022), the number of investors in Indonesia has increased significantly from 2019. However, the number of investors when compared to the population ratio in Indonesia is still lower than other countries in the Asean region. Hence, this study aims to analyze the factors that influence customer intention in investment applications by integrating the initial trust model and the IS Success Model. This research uses a mixed-method analysis, preceded by a quantitative analysis process followed by a qualitative analysis process. The quantitative analysis method is carried out by distributing online questionnaires to the target respondents who are investment application users in Indonesia. A total of 489 respondents were obtained and analyzed quantitatively using the partial least square structural equation modeling (PLS-SEM) method. Qualitative research was conducted by conducting interviews with 7 respondents. This study found that perceived benevolence, perceived integrity, and perceived ability are constituents of initial trust. This study also found that firm reputation, structural assurance, trust propensity, system quality, information quality, and service quality have a significant influence on users' initial trust. Initial trust and perceived usefulness are also found to have a significant effect on user intentions in investment applications. In addition, this study found that financial literacy does not significantly affect the user's intention to adopt investment applications. This research contributes insights related to the integration of the initial trust model, dimension of trust and the IS success model in the intention of adopting investment applications in Indonesia. This research is also able to provide benefits to investment application service providers in developing investment applications to produce products and services that meet the expectations of users and the Indonesian government in order to encourage economic growth in Indonesia.

Abstrak :
Digitalisasi pembayaran yang semakin meningkat menyebabkan sistem pembayaran cashless semakin banyak digunakan, salah satunya adalah PayLater. Peningkatan penggunaan PayLater juga disebabkan karena rendahnya penetrasi penggunaan kartu kredit di Indonesia. Penelitian ini bertujuan mengetahui dan melihat perbedaan faktor-faktor yang mempengaruhi niat keberlanjutan penggunaan pada Shopee PayLater, Gojek PayLater, dan Traveloka PayLater dengan menggunakan IS success model, expectation confirmation model (ECM), dan self-control theory. Pendekatan yang digunakan pada penelitian ini adalah mixed method dan kualitatif. Pengumpulan data kuantitatif dilakukan melalui survei online oleh 480 responden Shopee PayLater dan 198 responden Gojek PayLater dan diolah menggunakan metode partial least squares SEM (PLS-SEM) dan independent t-test. Pengumpulan data kualitatif dilakukan melalui wawancara pada masing-masing lima narasumber Shopee PayLater, Gojek PayLater, dan Traveloka PayLater. Hasil dari penelitian ini menunjukkan bahwa niat keberlanjutan penggunaan Shopee PayLater dan Gojek PayLater dipengaruhi oleh satisfaction, individual performance, debt attitude, dan impulsive buying. Selain itu, hasil penelitian Traveloka PayLater menunjukkan bahwa niat keberlanjutan penggunaan Traveloka PayLater tergantung oleh kebutuhan, diskon, dan sistem PayLater. ......The increasing digitization of payments has led to more use of cashless payment systems, one of which is PayLater. The increase in the use of PayLater was also due to the low penetration of credit card usage in Indonesia. This study aims to investigate and see the differences in the factors influencing the continuance intention of Shopee PayLater, Gojek PayLater, and Traveloka PayLater using the IS success model, the expectation confirmation model (ECM), and the self-control theory. The approach used in this research is mixed method and qualitative. Quantitative data was collected through an online survey by 480 respondents of Shopee PayLater and 198 respondents of Gojek PayLater and processed using the partial least squares SEM (PLS-SEM) and independent t-test. Qualitative data was collected through interviews with five interviewees of Shopee PayLater, Gojek PayLater, and Traveloka PayLater. The results of this study indicate that the continuance intention on Shopee PayLater and Gojek PayLater is influenced by satisfaction, individual performance, debt attitude, and impulsive buying. The results of this study also show that the continuance intention to use Traveloka PayLater depends on the urgency, discounts, and PayLater system.

Abstrak :
Perkembangan teknologi terjadi di sektor perbankan dimana aktivitas transaksi perbankan cukup dilakukan melalui ponsel pintar. Perkembangan tersebut memunculkan jenis bank baru yaitu branchless bank yang tidak memiliki kantor layanan atau cabang. Penelitian ini mencoba meneliti faktor-faktor yang mempengaruhi motivasi intrinsik dan kepercayaan seseorang terhadap branchless bank, lalu bagaimana motivasi intrinsik dan kepercayaan mempengaruhi adopsi dan kepuasan pengguna branchless bank, serta dampak yang dirasakan pengguna branchless bank dan orang-orang di sekitarnya. Penelitian ini mengusung model yang diadaptasi dari DeLone & McLean IS Success model. Responden terdiri dari 343 pengguna layanan branchless bank (dari berbagai merek). Analisis dilakukan dengan metode Partial Least Square Structural Equation Modelling (PLS-SEM) menggunakan aplikasi SmartPLS version 3.0 sebagai alat bantu. Penelitian ini menemukan bahwa perceived reputation, trust in the internet, dan perceived security berpengaruh terhadap trust. Selain itu perceived enjoyment, curiosity, dan familiarity ditemukan berpengaruh secara signifikan terhadap intrinsic motivation. Selanjutnya trust, intrinsic motivation ditemukan mendorong penggunaan dan perasaan puas terhadap branchless bank. Penggunaan sendiri juga ditemukan memengaruhi kepuasaan pengguna branchless bank. Lebih lanjut penggunaan dan kepuasan pengguna branchless bank memengaruhi time savings, intention to recommend, continuance intention, dan individual performance secara signifikan. Diharapkan penelitian ini mampu memperkaya pengetahuan, memberikan perspektif baru terkait, serta meningkatkan adopsi penggunaan branchless bank khususnya di Indonesia. Selain itu penelitian ini juga dapat digunakan untuk membantu penelitian tentang branchless bank atau bidang-bidang terkait di masa mendatang. ......Technological developments occur in the banking sector where banking transaction activities are sufficiently carried out via smart phones. This development gave rise to a new type of bank, namely a branchless bank that does not have service offices or branches. This study attempts to examine the factors that influence intrinsic motivation and one's trust in branchless banks, then how does intrinsic motivation and trust affect adoption and user satisfaction of branchless banks, as well as the impact felt by branchless bank users and the people around them. This study uses a model adapted from the DeLone & McLean IS Success model. Respondents consisted of 343 users of branchless bank services (from various brands). The analysis was carried out using the Partial Least Square Structural Equation Modeling (PLS-SEM) method using the SmartPLS version 3.0 application as a tool. This study found that perceived reputation, trust in the internet, and perceived security have an effect on trust. Besides that, perceived enjoyment, curiosity, and familiarity were found to have a significant effect on intrinsic motivation. Furthermore, trust, intrinsic motivation was found to encourage use and feelings of satisfaction with branchless banks. Self-use was also found to affect branchless bank user satisfaction. Furthermore, the use and satisfaction of branchless bank users significantly affect time savings, intention to recommend, continuance intention, and individual performance. It is hoped that this research will be able to enrich knowledge, provide new related perspectives, and increase the adoption of the use of branchless banks, especially in Indonesia. In addition, this research can also be used to assist research on branchless banks or related fields in the future.