TECHNOLOGY ADOPTION ON BANK SERVICES; A SYSTEMATIC LITERATURE REVIEW

Abstract Objectives: This paper explains, synthesizes, reviews the main findings, and provides suggestions for future research to deepen and enrich understanding of technology-based banking services (banking technology). Methods: This research uses a systematic literature review or structured review as a research methodology, which will analyze scientific articles based on widely used methods, theories, and constructs. Results: The results shown that TAM as an established concept is the model most often used in research in the context of technology-based banking services. However, this does not guarantee that only the TAM construct (PU, PEOU, Social Influence, and Attitude) is able to explain individual attitudes and intentions in adopting and using banking technology. Therefore, exploration is needed within a phenomenological framework to find other values (besides the TAM construct) to enrich scientific insights. In addition, a comparative study is also needed to see the role of the cultural dimension in influencing the adoption and use of technology in a country. In turn, our study is not without limitations. The ability to access reputable journals has been a major factor in our study covering only 20 scientific articles over the last ten years. The number is relatively small, making our study unable to examine other antecedents (besides those mentioned in table 4.5) used in the context of technology banking. Implications: Our study has implications for the development of studies in the context of banking technology, where our study can be taken into consideration for developing an integrated model that covers all perspectives in the context of technology adoption and use. Type of Paper: Empirical

Deliberative CSR: Alternative CSR Concept based on Liberation Theology Perspective

Theories underlying the CSR concept only takes side of secular world because it is based on materialistic world view which directs CSR practice at pragmatic goals. Therefore, CSR needs conceptual development which is able to balance material and spiritual worlds. The objective of this research is to develop CSR concept through elaboration of divine values based on liberation theology. Liberation theology presents three main principles, namely, 1) Equitable distribution of wealth, 2) Managing earth as mandate of creation, and 3) Fulfilling basic human rights. The principle is taken as the basis to arrange the deliberative CSR concept that is able to promote a civil society. This research employed a qualitative approach with critical paradigm to interpret the phenomena and reconstruct CSR concept. The results of this research are: 1) The concept of tazkiah or soul purification in economic case, that is purifying human by spending their wealth in the way of Allah; 2) The concept of justice, as the basis to settle poverty issue; 3) Natural balance as the basis of utilizing natural resources; 4) Social welfare, which is the Prophet’s revolutionary mission through liberating human from ignorance, oppression, slavery, and poverty. The implication is that deliberative CSR liberates CSR from materialism’s capitalistic worldview. Deliberative CSR makes entity perform CSR beyond the obligation; which is as human necessity to actualize their duties as God’s representative on earth as the consequence of devotion to Allah SW