Adoption of Generative AI-Enhanced Profit Sharing Digital Systems in MSMEs: A Comprehensive Model Analysis

Adopting digital finance solutions is crucial for enhancing efficiency and competitiveness within the financial services industry, particularly for Micro, Small, and Medium Enterprises (MSMEs). This study examines the factors influencing the use and acceptance of a sharing-based digital system enhanced with a Generative AI website (E-Mudharabah), employing the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). In this article, the Generative AI-enhanced profit-sharing digital systems called E-Mudharabah. It is a web-based management system facilitating capital management for financiers, consultants, and MSME actors. The research integrates key variables from both models, including Perceived Ease of Use, Perceived Usefulness, Performance Expectancy, Social Influence, Facilitating Conditions, Habit, and Technology Self-Efficacy, to assess their impact on Behavioral Intention and Actual Usage. The study utilizes a quantitative approach, gathering data through surveys and analyzing it using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. Results indicate significant positive effects of perceived usefulness, performance expectancy, and social influence on the behavioral intention to use E-Mudharabah. The findings underscore the role of user-friendly interfaces and societal acceptance in driving adoption. Perceived Usefulness was the most significant variable influencing Behavioral Intention and Actual Usage (p-value < 0.001). Additionally, Social Influence and Facilitating Conditions were shown to have substantial effects, highlighting the importance of user support and societal acceptance in technology adoption. The research also underscores the role of Technology Self-Efficacy in enhancing user confidence and engagement with the platform. These findings suggest that improving digital finance solutions' perceived benefits and ease of use while fostering a supportive environment can significantly boost their adoption rates.

@article{Andarwati2025,
  title     = {Adoption of Generative AI-Enhanced Profit Sharing Digital Systems in MSMEs: A Comprehensive Model Analysis},
  journal   = {International Journal of Advanced Computer Science and Applications},
  volume    = {16},
  number    = {1},
  year      = {2025},
  publisher = {The Science and Information Organization},
  author    = {Mardiana Andarwati and Galandaru Swalaganata and Sari Yuniarti and Fandi Y. Pamuji and Edward R. Sitompul and Kukuh Yudhistiro and Puput Dani Prasetyo Adi},
  doi       = {10.14569/IJACSA.2025.0160141},
  url       = {https://doi.org/10.14569/IJACSA.2025.0160141}
}