Analisis Kesiapan Pengguna di Indonesia dalam Adopsi Teknologi Blockchain Pada Platform Pertukaran Kripto Menggunakan TRI

Abstract

Abstract: The use of blockchain technology on cryptocurrency exchange platforms in Indonesia has
experienced notable growth, yet challenges persist concerning user preparedness and preferences
between domestic and international platforms. This research seeks to explore the factors influencing
users’ selection of crypto platforms and to evaluate the technological readiness of Indonesian users
by integrating the Technology Readiness Index (TRI) with an information technology adoption
framework. The study employed purposive sampling to gather data from 156 active crypto platform
users. Quantitative data analysis was performed using PLS-SEM through SmartPLS version 4.0.
Findings indicate that the majority of respondents are young adults aged 17 to 25, predominantly
male, and show a preference for international platforms due to their innovative capabilities, greater
liquidity, and lower transaction fees. Nonetheless, local platforms remain attractive because of easier accessibility and enhanced regulatory backing. Structural model results demonstrate that optimism, innovativeness, and insecurity significantly influence user readiness, whereas discomfort
does not have a meaningful impact. Moreover, user readiness stands out as a critical factor strongly
facilitating blockchain technology adoption on crypto exchanges. This study validates the combined
application of the TRI and IT adoption models as effective tools for pinpointing key determinants
of blockchain adoption readiness, offering strategic insights for developers of local platforms and
serving as a foundation for future research on blockchain implementation in Indonesia.