Unveiling RippleNet Through TAM: An Analysis of Employee Perceptions and Technological Advancement at Qatar National Bank

Izza Zahratunnisa, Suyanto, S.E., M.B.A., Ph.D.,

2026 | Skripsi | AKUNTANSI

Studi ini mengeksplorasi persepsi dan adopsi karyawan terhadap RippleNet, sebuah sistem pembayaran lintas batas berbasis blockchain, di QNB. Dipandu oleh Technology Acceptance Model (TAM), penelitian ini mengkaji bagaimana konstruk seperti Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Use (ATU), Behavioural Intention (BI), Actual System Use (ASU), dan Technological Advancement (TA) memengaruhi adopsi. Pendekatan metode campuran menggabungkan analisis tematik data wawancara dengan Structural Equation Modeling (SEM) berdasarkan respons survei dari 51 karyawan QNB. Temuan kualitatif menyoroti tema-tema seperti efisiensi sistem, dukungan pembelajaran, resistensi regulasi, dan advokasi yang didorong oleh rekan sejawat, yang menjadi dasar variabel-variabel yang diamati dalam CFA. Hasil SEM menunjukkan bahwa beberapa hubungan TAM lebih lemah dari yang diperkirakan. Misalnya, PU memiliki dampak minimal terhadap ATU (-0,047), dan TA hanya sedikit memengaruhi PEOU dan PU, sementara kepatuhan yang enggan sangat memengaruhi BI (0,87), yang menggarisbawahi peran penegakan institusional. Dengan mengontekstualisasikan TAM dalam lingkungan perbankan yang teregulasi, studi ini menekankan bahwa persepsi karyawan merupakan kunci keberhasilan adopsi teknologi, yang pada gilirannya meningkatkan efisiensi operasional, kualitas layanan, dan pada akhirnya kepuasan pelanggan dalam transaksi perbankan lintas batas.

This study explores employee perceptions and adoption of RippleNet, a blockchain-enabled cross-border payment system, within QNB. Guided by the Technology Acceptance Model (TAM), the research examines how constructs such as Perceived Usefulness (PU), Perceived Ease of Use (PEOU), Attitude Toward Use (ATU), Behavioural Intention (BI), Actual System Use (ASU), and Technological Advancement (TA) influence adoption. A mixed-methods approach combined thematic analysis of interview data with Structural Equation Modeling (SEM) based on survey responses from 51 QNB employees. Qualitative findings highlighted themes such as system efficiency, learning support, regulatory resistance, and peer-driven advocacy, which informed the observed variables used in the CFA. SEM results showed that several TAM relationships were weaker than expected. For example, PU had minimal impact on ATU (-0.047), and TA only slightly influenced PEOU and PU, while reluctant compliance strongly affected BI (0.87), underscoring the role of institutional enforcement. By contextualising TAM in a regulated banking environment, this study emphasises that employee perceptions are central to successful technology adoption, which in turn enhances operational efficiency, service quality, and ultimately customer satisfaction in cross-border banking transactions.

Kata Kunci : RippleNet, blockchain, cross-border payment, QNB, Technology Acceptance Model, TAM, Perceived Usefulness, Perceived Ease of Use, Attitude Toward Use, Behavioural Intention, Actual System Use, Technological Advancement, thematic analysis, Structural Equati