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Abstract

Abstract. Purpose: analyzing how fear of Covid-19 influences technology utilization attitude towards intention to use. Design/methodology/approach: This study used a quantitative approach conducted post Covid-19. Involving a sample of 138 mobile application users for health insurance services in Bali, Indonesia, by utilizing the PLS-SEM model analysis tool. Findings: Technology Acceptance Model (TAM), through its two elements, Perceived usefulness (PU) and Perceived ease of use (PEOU), has proven to significantly form a supportive attitude about the use of information technology in the Covid-19 pandemic, as well as the influence of attitudes towards behavior intention to use (BIU) in the use of technology has also been proven clearly in the context of TAM. But TAM's ability to form intention directly can only be confirmed through PU, while PEOU has not been able to be proven. Fear of Covid-19 has not been shown to play a role in moderating the influence of attitude on intention. Practical/implications: Encouraging attitude is very important to use technology based on usability and ease of using technology. However, it is not feasible to consider fear of Covid-19 as a factor to encourage people's attitudes towards technology to promote intention to use application technology for transactions. Originality/value: This study provides new insights, first to collaborate on fear of Covid on TAM and TRA. Examining the impact of Covid-19 fear moderation on the acceptance of mobile applications in the health insurance service industry and providing important information that people's behavior does not consider the dangers of Covid-19 when adopting information technology services in the future.


Keywords: Technology acceptance model, perceived usefulness, perceive ease of use, attitude toward using, fear of Covid-19

Keywords

TAM Mobile JKN Perceived Usefulness Perceive Ease of Use Attitude Fear of Covid

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This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License. Copyright @2017. This is an open-access article distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License (http://creativecommons.org/licenses/by-nc-sa/4.0/) which permits unrestricted non-commercial used, distribution and reproduction in any medium 

Author Biography

I Gusti Agung Eka Teja Kusuma, Faculty of Economics and Business, Mahasaraswati University Denpasar, Bali, Indonesia

Dr. I Gusti Agung Eka Teja Kusuma, SE., MM is an assistant professor of Management at Mahasaraswati University Denpasar, Indonesia. Has more than 7 years of work experience as Head of the Master of Management Study Program at the Postgraduate Program, Faculty of Economics and Business, Mahasaraswati University Denpasar, his main fields, marketing, service management, consumer behavior, Strategic Management, entrepreneurship, Various researches have been carried out, especially in the field of marketing, Hospitality, and entrepreneurship. https://orcid.org/0000-00002-2586-1750

How to Cite
Kusuma, I. G. A. E. T., Yuliadewi, N. W., & Atmaja, N. P. C. D. (2025). When Fear of Covid Is Not the Main Reason to Use Online Technology. The Asian Journal of Technology Management (AJTM), 17(1), 14–37. https://doi.org/10.12695/ajtm.2024.17.1.2 (Original work published July 5, 2024)
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