The Limits of Resilience: Why Self-Efficacy Fails to Mitigate Technostress during Radical Core Banking Transformations

Siska Hardiyanti Putri — 2026-03-04

The digitalization of the banking sector has shifted from a competitive advantage to a survival imperative. However, the migration to radical Core Banking Systems often precipitates Technostress, a phenomenon that threatens employee well-being. This study investigates the impact of Technostress on Work-Life Balance among banking professionals during a high-stakes digital transformation involving the implementation of the Temenos T24 system. Crucially, it challenges the prevailing assumption that individual Self-Efficacy serves as a universal buffer against these stressors. A quantitative, explanatory study was conducted on a purposive sample of 107 frontline and back-office staff at a Regional Development Bank in Indonesia. Data were analyzed using Partial Least Squares Structural Equation Modeling with SmartPLS 4.0 to assess the measurement and structural models. The findings reveal that Technostress exerts a potent and significant negative effect on Work-Life Balance (path coefficient -0.29, p value 0.000). Paradoxically, and contrary to established theoretical expectations, Self-Efficacy failed to moderate this relationship (path coefficient 0.06, p value 0.500). In conclusion, the study identifies a Limit of Resilience, suggesting that during radical and structural technological upheavals, individual psychological resources such as Self-Efficacy are overwhelmed by systemic techno-overload and invasion. This shifts the onus of intervention from individual coping strategies to organizational job redesign.

Catalyzing Knowledge Diffusion: A Meta-Synthesis of Intellectual Property Frameworks and FDI-Driven Technology Transfer in ASEAN Free Trade Zones

Fadlan — 2026-03-27

The rapid economic integration of the Association of Southeast Asian Nations (ASEAN) was historically driven by Foreign Direct Investment (FDI). However, the role of Intellectual Property (IP) frameworks in transforming foreign capital into genuine technological transfer remained heavily debated. This study quantitatively and qualitatively evaluated the impact of IP frameworks and institutional quality on FDI-driven knowledge diffusion within ASEAN Free Trade Zones (FTZs). A quantitative meta-analysis and systematic synthesis were conducted utilizing empirical data extracted from nine essential econometric studies. Reported coefficients from diverse regression models were statistically converted into Standardized Mean Differences (SMD) to allow for pooled analysis. A DerSimonian-Laird random-effects model was employed, and heterogeneity was assessed utilizing the I-squared statistic. The study selection process yielded nine foundational manuscripts. Risk of bias assessment indicated high methodological quality. The pooled meta-analysis demonstrated a statistically significant positive effect of strengthened institutional and IP frameworks on technology transfer proxies (Pooled SMD = 0.46; 95% Confidence Interval: 0.32, 0.60; p < 0.001). Significant heterogeneity was observed (I-squared = 68.4%, p < 0.01). Tabulated findings revealed that FTZs significantly boosted regional innovation indices, though actual absorption depended strictly on local absorptive capacity. In conclusion, robust IP laws and high institutional quality within FTZs strongly suggest a catalytic effect on formal knowledge diffusion. To maximize labor productivity, ASEAN member states must pair strict IP protection with active learning initiatives and dedicated technology transfer incentives.

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The Limits of Resilience: Why Self-Efficacy Fails to Mitigate Technostress during Radical Core Banking Transformations

Catalyzing Knowledge Diffusion: A Meta-Synthesis of Intellectual Property Frameworks and FDI-Driven Technology Transfer in ASEAN Free Trade Zones