Beyond Usefulness and Ease: Investigating the Role of Enjoyment and Self-Efficacy in Technology Adoption Among Bank Employees

In the context of globalization, economic organizations are required to respond and interact under highly competitive conditions. Financial institutions are at the forefront of adopting innovative technological applications, offering high-value products and services. The success of implementing technological innovations depends primarily on their acceptance and use by end-users. The ability to predict the acceptance of information and communication technologies has become a focal point in information systems research. The Technology Acceptance Model (TAM) is employed to identify factors affecting the adoption of information systems. The aim of this study is to propose an extended model for the adoption of technological innovations, incorporating variables found in previous models to offer a broader understanding of technology acceptance among employees. Findings based on a convenient sample of financial institutions’ employees working at head offices located in Athens indicate that 80% of behavioral intention regarding the acceptance and use of technological applications is explained by users’ perceptions of ease of use usefulness, perceived enjoyment, and self-efficacy. The study aims to provide insightful guidance to HR and IT departments to improve operational efficiency with the aim of successfully implementing digital transformation.