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"Pertumbuhan bisnis bank semakin berkembang dan tidak hanya terfokus pada kebutuhan nasabah perorangan, namun juga melibatkan kebutuhan nasabah non-perorangan atau nasabah institusi. Kebutuhan nasabah non-perorangan yang paling utama adalah kebutuhan pada layanan cash management yang efisien, efektif, aman, dan handal untuk mengatur kas keuangan perusahaan secara terpadu. Layanan internet banking merupakan salah satu solusi yang ditawarkan oleh bank di Indonesia untuk nasabah non-perorangan yang dapat mempermudah pengelolaan cash management perusahaan. Layanan internet banking untuk nasabah non-perorangan memiliki perbedaan dengan layanan bagi nasabah perorangan karena melibatkan faktor organisasi dalam proses penerimaan pada suatu perusahaan. Penelitian kuantitatif dengan kuesioner akan dilakukan dengan menggunakan model penerimaan technology-organization-environment TOE yang melibatkan pengumpulan data dari nasabah salah satu bank BUMN. Terdapat sebelas variabel yang akan diuji. Data valid yang terkumpul sebanyak 334 sampel dan dianalisis dengan menggunakan metode analisis SEM. Hasil dari penelitian ini adalah persepsi biaya, keamanan, dukungan manajemen puncak, dukungan penyedia jasa, dan dukungan pemerintah sebagai faktor yang memengaruhi penerimaan ABC pada nasabah non-perorangan. Faktor-faktor tersebut diharapkan menjadi perhatian khusus bagi pihak manajemen XYZ untuk meningkatkan pelayanan ABC sehingga jumlah nasabah yang aktif menggunakan ABC semakin bertambah.

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Growth of banking business is not only focusing on the needs of individual customers, but also the needs of non individual customers or institutional customers. The most important needs of non individual customers are cash management services which are efficient, effective, safe, and reliable to manage integrated financial cash. Internet banking services is a solution offered by banks in Indonesia for non individual customers that can provide cash management for company. Internet banking services for non individual customers differ from internet banking services for individual customers because it involves organizational factors in acceptance from company.

Quantitative research with questionnaires will be conducted using a technology organization environment TOE acceptance model that involves collecting data from a customer of a state owned bank. There are eleven variables to be tested. The collected ammount of valid data were 334 samples and analyzed using SEM analysis method.

The results of this study are cost perception, security, top management support, service provider support, and government support as factors affecting ABC acceptance for non individul customer. These factors are expected to be special attention for XYZ Management to improve ABC services, so that the number of active customers using ABC is increasing."

"This study aims to explore the determinants of AI adoption and its impact on HRM effectiveness in Tanzanian medium enterprises (MEs). With a focus on providing insights for HR professionals and decision makers, data from 185 respondents comprising HR professionals, IT professionals, and CEOs who have adopted AI were analyzed using PLS-SEM, which includes factors of Relative Advantage, Complexity, Compatibility, Security/ Privacy, Top management, Organizational readiness, Competitive pressure, External support, and Government support for AI adoption. The results highlight relative advantage, compatibility, and competitive pressure as the key drivers of AI adoption in the Tanzanian context, which in turn enhances the effectiveness of HR systems. The study bridges the existing gap and offers recommendations for the integration of AI into HRM practices. Implications for managers and solution providers are discussed to facilitate a better understanding of the determinants influencing the adoption process in SEs in Tanzania. The study builds on theoretical knowledge of AI adoption by utilizing the TOE model, which incorporates technological, organizational, and environmental factors. The study recommends future exploration of additional factors and inclusion of a larger sample to enhance the universality of the results.

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This study intends to explore the determinants of AI adoption and its impact on HRM effectiveness in Tanzanian medium enterprises (MEs). With a focus on providing insights for HR professionals and decision-makers, data from 185 respondents comprising HR professionals, IT professionals, and CEOs who have already adopted AI was analyzed using PLS-SEM, in which factors of Relative advantage, Complexity, Compatibility, Security/Privacy, Top management, Organization readiness, Competitive pressure, External support and Government support were tested for the adoption of AI. Results highlight relative advantage, compatibility, and competitive pressure as key drivers of AI adoption in Tanzania's context, subsequently enhancing HR systems' effectiveness. The study bridges the existing gaps and offers recommendations for AI integration into HRM practices. Implications for managers and solution providers were discussed to facilitate a better understanding of the determinants influencing the adoption process within Tanzanian MEs. The study underlies the theoretical knowledge of AI adoption by utilizing the TOE model, incorporating technological, organizational, and environmental factors. This study recommends future exploration of additional factors and including a larger sample to enhance the universality of results."