Ayatulloh Michael Musyaffi

9 ta ish

State University of Jakarta

1. Resistance of Traditional SMEs in Using Digital Payments: Development of Innovation Resistance Theory

   Ayatulloh Michael Musyaffi, Etty Gurendrawati, Bambang Afriadi +3

   MaqolaOAOchiq kirish20224 iqtibos

   ABIABI:AkademIndex/2026.other.224413

2. What Drives Students to Feel the Impact of Online Learning in Using a Cloud Accounting Integrated System?

   Ayatulloh Michael Musyaffi, Budi Septiawan., Sandy Arief +3

   MaqolaOAOchiq kirish20222 iqtibos

   ABIABI:AkademIndex/2026.other.224414

3. Understanding Digital Banking Adoption During Post-Coronavirus Pandemic: An Integration of Technology Readiness and Technology Acceptance Model

   Ayatulloh Michael Musyaffi, Razana Juhaida Johari, Ida Rosnidah +3

   Maqola20222 iqtibos

   ABIABI:AkademIndex/2026.other.585087

4. DIGITAL BANKING CHANNEL SUSTAINABILITY: IS IT EFFECTIVE TO USE?

   Jl. R.Mangun Muka Raya No.11, RT.11/RW.14, Rawamangun, Kec. Pulo Gadung, Kota Jakarta Timur, Daerah Khusus Ibukota, Jakarta, 13220 Indonesia., Etty Gurendrawati, Ayatulloh Michael Musyaffi +9

   Maqola20232 iqtibos

   ABIABI:AkademIndex/2026.other.585093

5. Can Financial Advantages and Digital Payments Adoption Provide Effective Solutions to Improve SMEs' Performance?

   Ayatulloh Michael Musyaffi

   Maqola20242 iqtibos

   ABIABI:AkademIndex/2026.other.805321

6. New Challenges of Learning Accounting With Artificial Intelligence: The Role of Innovation and Trust in Technology

   Ayatulloh Michael Musyaffi, Bobur Sobirov Baxtishodovich, Bambang Afriadi +3

   MaqolaOAOchiq kirishTechnology Adoption and User BehaviourEuropean Journal of Educational Research20230 iqtibos

   ABIABI:AkademIndex/2023.article.000526

7. Financial Literacy and Knowledge Development in Cloud Accounting Environment: A QuasiExperimental Study

   Ayatulloh Michael Musyaffi, Terrylina Arvinta Monoarfa, Bobur Sobirov +3

   MaqolaFinancial Literacy and Behavior20250 iqtibos

   ABIABI:AkademIndex/2025.article.011009

8. Resistance to innovation in cloud accounting adoption: functional and psychological barriers among SMEs in Indonesia

   Ayatulloh Michael Musyaffi, Razana Juhaida Johari, Heny Hendrayati +3

   MaqolaTechnology Adoption and User BehaviourManagement & Sustainability An Arab Review20260 iqtibos

   ABIABI:AkademIndex/2026.article.006629

9. Spiritual Coping amid Technostress among Student Digital Entrepreneurs in Jakarta: An Interpretative Phenomenological Analysis

   Maulana Amirul Adha, Bayu Suhendry, Ayatulloh Michael Musyaffi +3

   MaqolaOAOchiq kirish20260 iqtibos

   ABIABI:AkademIndex/2026.article.109880