Readiness to Adoption Digital Technology for Micro, Small, and Me- dium Enterprises in Indonesia

The readiness of MSMEs in Indonesia to adopt digital technology is a tough challenge during the Covid-19 pandemic. The successful use of technology depends on the acceptance and use of each individual wearer. This study aims to determine user attitudes in adopting digital technology which are infuenced by performance expectations, expectations of eforts made, facilitation conditions, and social infuences. In addition, attitudes towards digitalization will afect the intention to use digital technology in MSMEs. In addition, anxiety and worry factors in using digital technology will strengthen or weaken attitudes towards the adoption of digital technology. 
The population in this study is MSME entrepreneurs in Indonesia with a sample frame of MSME entrepreneurs who have used digitalization in their business operations. The number of samples used was 150 MSME entrepreneurs in the Yogyakarta region and Central Java. 
The  results  showed  that performance expectations and  business  expectations  did  not  afect the attitude toward adopting digital technology. Meanwhile, facilitation conditions and social infuences have a signifcant positive efect on attitudes towards digital technology. The attitude of adopting digital technology has a signifcant positive efect on the intention to use digital technology. The attitude of adopting technology does not mediate the infuence of performance expectations, business expectations, facilitation conditions, and social infuences on the intention to use digital technology.  Similarly,  anxiety does  not  moderate  the  infuence  of  performance  expectations, business expectations, facilitation conditions, and social infuences on attitudes toward adopting digital technology. So, this study cannot prove mediating attitudes to adopting digital technology and moderating anxiety on the infuence of performance expectations, business expectations, facilitation conditions, and social infuences on the intention to adopt digital technology. 
Keyword: digital technology, attitude, anxiety, intention to use