THE ROLE OF AI SELF-EFFICACY IN ACTUAL AI TOOL USE: EVIDENCE FROM AN EXTENDED TECHNOLOGY ACCEPTANCE MODEL

Abstract

This study examines the role of AI self-efficacy in enhancing employees' actual use of artificial intelligence (AI) tools through the mediating roles of perceived ease of use, perceived usefulness, and behavioral intention within the Technology Acceptance Model (TAM). As AI technologies become increasingly integrated into workplace activities, understanding the factors that drive employees' actual AI usage has become an important issue, particularly in the banking sector. A quantitative research design was employed using survey data collected from 100 employees of commercial banks in Banyumas Raya, Indonesia, who had experience using AI tools such as ChatGPT, Google Gemini, and Microsoft Copilot. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings reveal that AI self-efficacy has a positive and significant effect on perceived ease of use and perceived usefulness. Furthermore, perceived ease of use and perceived usefulness significantly influence behavioral intention, which subsequently has a positive effect on the actual use of AI tools. The findings also confirm the mediating roles of perceived ease of use and perceived usefulness in linking AI self-efficacy to behavioral intention. This study extends the Technology Acceptance Model by incorporating AI self-efficacy as an antecedent of technology acceptance and provides practical implications for commercial banks in strengthening employees' AI capabilities to encourage effective and sustainable AI adoption.