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

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.