Abstract:Abstract: Digital banking has brought various innovations in financial services, one of which is Blu Deposito by BCA Digital. However, the adoption rate of digital deposit services is still relatively low compared to digital…
ital payment services. This study aims to identify and analyze the factors that influence customers' intentions and actual behavior in using Blu Deposito with reference to the Technology Acceptance Model (TAM). This study aims to analyze the factors that influence customers' intentions and actual behavior in adopting Blu Deposito using the Technology Acceptance Model (TAM) framework. Data was collected through a Google Form questionnaire from 54 customers at one BCA branch and analyzed using SPSS through validity and reliability tests, descriptive analysis, and multiple regression. The results show that Behavioral Intention (BI)is significantly influenced by Perceived Ease of Use (PEOU), Perceived Usefulness (PU), and Attitude Toward Using (ATU), with PEOU as the most dominant factor. In addition, BI has a significant effect on Actual System Use (AU), which confirms the relevance of applying the TAM model in the context of digital deposit products. These findings indicate that ease of use plays a greater role than financial benefits in encouraging users to adopt Blu Deposits. This study contributes to the understanding of digital deposit adoption and provides managerial insights to improve the usability and user engagement of digital banking services.
Keywords: actual system use; attitude toward using; behavioral intention; perceived ease of use; perceived usefulness; technology acceptance model
Abstrak: Perbankan digital telah menghadirkan berbagai inovasi dalam layanan keuangan, salah satunya Blu Deposito oleh BCA Digital. Meskipun demikian, tingkat adopsi terhadap layanan deposito digital masih relatif rendah dibandingkan dengan layanan pembayaran digital. Penelitian ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang memengaruhi niat serta perilaku aktual nasabah dalam menggunakan Blu Deposito dengan mengacu pada kerangka Technology Acceptance Model (TAM). Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi niat dan perilaku aktual nasabah dalam mengadopsi Blu Deposito dengan menggunakan kerangka Technology Acceptance Model (TAM). Data dikumpulkan melalui kuesioner Google Form dari 54 nasabah di satu cabang BCA dan dianalisis menggunakan SPSS melalui uji validitas, reliabilitas, analisis deskriptif, dan regresi berganda. Hasil penelitian menunjukkan bahwa Behavioral Intention (BI) dipengaruhi secara signifikan oleh Perceived Ease of Use (PEOU), Perceived Usefulness (PU), dan Attitude Toward Using (ATU), dengan PEOU sebagai faktor paling dominan. Selain itu, BI berpengaruh signifikan terhadap Actual System Use (AU), yang menegaskan relevansi penerapan model TAM pada konteks produk deposito digital. Temuan ini menunjukkan bahwa kemudahan penggunaan memiliki peran lebih besar dibandingkan manfaat finansial dalam mendorong pengguna untuk mengadopsi Blu Deposito. Penelitian ini berkontribusi terhadap pemahaman adopsi deposito digital serta memberikan wawasan manajerial untuk meningkatkan kegunaan dan keterlibatan pengguna pada layanan perbankan digital.
Kata kunci: actual system use; attitude toward using; behavioral intention; perceived ease of use; perceived usefulness; technology acceptance model
Abstract:Abstract: Good pronunciation plays a crucial role in enhancing students' confidence, encouraging active participation in learning, and preparing them for academic and professional opportunities, such as English-language…
interviews. Poor pronunciation during scholarship or job interviews can hinder the interviewer's understanding, thereby reducing the chances of acceptance. This study aims to improve students' pronunciation fluency and develop a learning medium based on Automatic Speech Recognition (ASR) technology. The method employed involves the development of Progressive Web Apps (PWA) integrated with ASR technology from the app.lumi.education platform, supported by manual labeling for pronunciation validation. The research was conducted at LKP Vijaya Learning Centre, Tanjungbalai City. The results demonstrate that ASR-based media significantly enhances students' pronunciation accuracy and confidence. Thus, the integration of ASR technology into PWA effectively supports innovative and efficient pronunciation learning.
Keywords: automatic speech recognition; language learning; pronunciation; web-based application.
Abstrak: Pengucapan yang baik berperan penting dalam meningkatkan kepercayaan diri siswa, mendorong partisipasi aktif dalam pembelajaran, dan mempersiapkan mereka menghadapi peluang akademik maupun profesional, seperti wawancara berbahasa Inggris. saat menghadapi wawancara beasiswa atau pekerjaan berbahasa Inggris, pengucapan yang buruk dapat mengurangi pemahaman pewawancara, sehingga mengurangi peluang diterima. Penelitian ini bertujuan untuk meningkatkan kelancaran pengucapan siswa dan mengembangkan media pembelajaran berbasis teknologi Automatic Speech Recognition (ASR). Metode yang digunakan adalah pengembangan Progressive Web Apps (PWA) yang terintegrasi dengan ASR dari aplikasi app.lumi.education, didukung oleh pelabelan manual untuk validasi pengucapan. Penelitian dilakukan di LKP Vijaya Learning Centre, Kota Tanjungbalai. Hasil penelitian menunjukkan bahwa media berbasis ASR secara signifikan meningkatkan akurasi pengucapan dan kepercayaan diri siswa. Dengan demikian, integrasi teknologi ASR dalam PWA terbukti mendukung pembelajaran pengucapan secara inovatif dan efisien.
Kata kunci: aplikasi berbasis web; pengenalan suara otomatis; pembelajaran bahasa; pengucapan
Abstract:The teacher's efforts in Islamic education are to educate, educating is a very broad task. Education is partly carried out in the form of teaching, partly in the form of encouraging, praising, punishing, giving examples,…
getting used to it, and so on. (Ahmad Tafsir, p.12 ). The obstacles that exist at the time of learning are many such as, the lack of learning hours for Islamic religious education in schools, the lack of discipline from students, environmental factors that cause them to be lazy to learn to read the Qur'an at an early age, and family factors that do not encourage their children to learn to read and write the Qur'an. The efforts of teachers are expected to be able to help overcome the problem of difficulty reading the Qur'an and make it their special purpose to overcome the difficulty of reading the Qur'an in MTs Manbatul Fikri Cururugrendeng. The teacher is an educator after the parents so the teacher has an important role in shaping the character. To find out the efforts of teachers to teach qur'an literacy, difficulty learning to read and write the qur'an, factors of difficulty reading and writing the qur'an, obstacles to the difficulty of reading and writing the Qur'an and the efforts of teachers in overcoming the difficulties of learning to read and write the Qur'an in MTs Manbatul Fikri Cururugrendeng, to find out the problems that exist in MTs Manbatul Fikri Cururugrendeng researchers use descriptive qualitative research methods by making observations, interviews, and documentation. Based on the results of research, the teacher's efforts in terms of educating and teaching about the literacy of the Qur'an to students when teaching are: The teacher conveys almost the same group of letters as Ta with Tsa, Sin with Syin, Dzal with Za. Then next is the grouping of children who have not been biased to read with those who are already fluent with the aim that those who are already fluent can guide those who are not yet fluent.
Abstract:Young learners’ English writing skill in EFL classroom setting is as essential to take into consideration as other English skills. For ensuring the progression-making, in term of monitoring the level of achievement, the…
e authentic assessment offers various advantages that should not be taken for granted. This study aimed at investigating, 1) the assessment practice in the classroom, 2) the effectiveness of authentic assessment practice for assessing writing skill, and 3) the challenges of the practice. This study was a descriptive case study. The population of the study encompassed 31 learners in grade-5 elementary school. The instruments used for collecting the data were field notes yielded from classroom observation, transcript interview, and related documents. The result of the study performed that (1) the teacher employs several types of assessment, yet authentic assessment is the most preferrable in the practice, (2) the authentic assessment practice in the classroom is effectively depicting learners’ actual competence, comprising real-world relevance, and encouraging evaluation, and (3) the teacher encounters the challenging experience in designing acceptable assessment for learners with diverse level of English competence and the sufficient time, as well. In summary, this study has torched a light on the practice of authentic assessment in originally realizing the function of assessment. The different school setting, teaching experiences, learners’ language proficiency skills, and classroom environment might bring about a distinct result.
Abstract:Perkembangan digitalisasi perpajakan di Indonesia mendorong hadirnya sistem administrasi Coretax sebagai upaya pembaharuan layanan perpajakan yang terintegrasi. Penelitian ini dilakukan untuk menggali ketaatan wajib pajak…
k dalam implementasi Coretax dengan menekankan pada peran persepsi kemudahan penggunaan sistem dan pengaruh sanksi perpajakan. Penelitian ini menerapkan metode kualitatif deskriptif menggunakan teknik wawancara mendalam kepada wajib pajak orang pribadi karyawan yang memanfaatkan sistem Coretax dalam melaporkan SPT Tahunan. Temuan pada penelitian ini membuktikan bahwa mayoritas wajib pajak masih menghadapi kendala pada tahap awal penggunaan sistem, khususnya dalam memahami fitur-fitur yang tersedia serta alur pelaporan pajak. Namun, setelah memperoleh pendampingan dan pengalaman penggunaan, wajib pajak mulai merasakan kemudahan dari layanan yang terintegrasi dalam satu platform. Selain itu, sanksi perpajakan dan tuntutan administratif dari lingkungan kerja juga menjadi faktor yang mendorong kepatuhan wajib pajak dalam pelaporan pajak. Penelitian ini menunjukkan bahwa kepatuhan wajib pajak dalam implementasi Coretax dipengaruhi oleh interaksi antara penerimaan teknologi dan faktor perilaku.
The development of tax digitalization in Indonesia has encouraged the implementation of the Coretax administrative system as an effort to modernize and integrate tax services. This study aims to examine taxpayer compliance in the implementation of Coretax by emphasizing the role of perceived ease of use of the system and the influence of tax sanctions. The research employed a descriptive qualitative approach using in-depth interviews with individual employee taxpayers who utilized the Coretax system to file their Annual Tax Returns. The findings reveal that the majority of taxpayers still encountered difficulties during the initial stage of system usage, particularly in understanding the available features and the tax reporting procedures. However, after receiving assistance and gaining experience in using the system, taxpayers began to perceive the convenience offered by the integrated services within a single platform. In addition, tax sanctions and administrative demands from the workplace environment were also identified as factors encouraging taxpayer compliance in tax reporting. This study indicates that taxpayer compliance in the implementation of Coretax is influenced by the interaction between technology acceptance and behavioral factors..