User Acceptance of Digital Turkish Lira (DTL): Investigation in the Framework of Technology Acceptance Model (TAM) and Planned Behaviour Theory (PBT)

Year 2022, Volume: 30 Issue: 54, 357 - 376, 25.10.2022

Yavuz Toraman

https://doi.org/10.17233/sosyoekonomi.2022.04.19

Cited By: 3

Abstract

The increase in technological devices has made the digitalisation of many products and services compulsory. One of the essential results of this digitalisation is the Digital Turkish Lira (DTL). The current study examines the factors affecting the acceptance and intention to use DTL. In this context, the acceptance of use by users has been tried to be explained by structural equation modelling based on TAM and TPB in the literature. The proposed research model was analysed with the Smart PLS 3 package program. When the hypothesis results are examined, firstly, the variables within the scope of TPB have a positive effect on the intention to use. In contrast, the other variables positively impact the intention to use over the ease of use within the scope of TAM. It has been determined that users find DTL more reliable than cryptocurrency /digital money. The relationship between DTL and the Central Bank of the Republic of Turkey can be shown as the reason for this.

Keywords

Digital Turkish Lira (DTL), E-Commerce, Metaverse, Blockchain, Cryptocurrency, Last Mile Delivery

Dijital Türk Lirasının (DTL) Kullanım Kabulü: Teknoloji Kabul Modeli (TKM) ve Planlı Davranış Teorisi (PDT) Çerçevesinde İncelenmesi

Abstract

Teknolojik cihazların yaygınlaşması birçok ürün ve hizmetin dijitalleşmesini zorunlu hale getirmiştir. Bu dijitalleşmenin önemli sonuçlarından biri de Dijital Türk Lirasıdır (DTL). Mevcut çalışma DTL’nin kullanım kabulünü, niyetini etkileyen faktörlerin incelenmesi üzerine kurulmuştur. Bu bağlamda kullanıcıların kullanım kabulü literatürdeki TKM ve PDT’ ye dayandırılarak yapısal eşitlik modellemesiyle açıklanmaya çalışılmıştır. Önerilen araştırma modeli Smart PLS 3 paket programı ile analiz edilmiştir. Hipotez sonuçları incelendiğinde ilk olarak PDT kapsamındaki değişkenler kullanma niyetini olumlu etkilerken, TKM kapsamındaki güven kullanma kolaylığı üzerinden diğer değişkenler ise fayda üzerinden kullanma niyetini pozitif etkilemiştir. Kullanıcıların kripto/dijital paralara göre DTL’yi daha güvenilir bulduğu tespit edilmiştir. DTL ile Türkiye Cumhuriyet Merkez Bankası arasındaki ilişki bunun nedeni olarak gösterilebilir.

Keywords

Dijital Türk Lirası (DTL), E-Ticaret, Metaverse, Blokzincir, Kripto Para, Son Adım Teslimat

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