MOBİL BANKACILIK UYGULAMALARININ BENİMSENMESİNE YÖNELİK DAVRANIŞSAL NİYETLERİ ETKİLEYEN FAKTÖRLER ÜZERİNE BİR ARAŞTIRMA

Yıl 2017, Cilt: 5 Sayı: 3, 25 - 58, 31.12.2017

Kadir Kurt , Aykut Hamit Turan

https://doi.org/10.22139/jobs.343053

Öz

Amaç: Bu çalışmada, mobil
bankacılık uygulamalarının benimsenme oranının oldukça yüksek seviyelerde
olduğu Türkiye’de, bu olumlu tablonun oluşmasında etkisi olabilecek faktörlerin
tespit edilmesi amaçlanmıştır. Bu doğrultuda, çalışma kapsamında yürütülen
anket çalışması, hali hazırda mobil bankacılık uygulamalarını kullanan
bireylere uygulanmıştır.

Yöntem: Çalışmada nicel araştırma yöntemi tercih edilmiş, oluşturulan
araştırma modelinde yer alan değişkenlere ait ifadeler beşli likert tipi
ölçekler aracılığıyla anket formu şeklinde katılımcıların değerlendirmesine
sunulmuştur. Eksik veya tutarsız anketler değerlendirme dışı bırakıldıktan
sonra nihai olarak 280 anket değerlendirmeye alınmıştır.

Bulgular: Çalışmada, performans beklentisi, kolaylaştırıcı
şartlar, kişisel yenilikçilik ve güven değişkenlerinin bireylerin mobil
bankacılık uygulamalarının benimsenmesine yönelik davranışsal niyetlerini
anlamlı bir şekilde etkilediği ortaya çıkartılmıştır. Çaba beklentisi ve sosyal
etki değişkenlerinin ise niyet üzerinde anlamlı bir etkisi bulunamamıştır.

Sonuç: Kullanıcıların mobil bankacılık uygulamaları ile
bankacılık işlemlerini daha hızlı ve verimli bir şekilde gerçekleştirmeleri,
uygulamaları kullanmak için gerekli bilgi ve imkânlara sahip olmaları, yeni
teknolojileri deneme konusundaki isteklilikleri ve mobil bankacılığa duydukları
güven, mobil bankacılık uygulamalarının benimsenmesini etkileyen en önemli faktörler
olarak ön plana çıkmıştır.

Anahtar Kelimeler

Mobil bankacılık kabulü ve kullanımı, Davranışsal niyet temelli teoriler, Anket Çalışması

Kaynakça

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