Türkiye’de İslami Mobil Bankacılık (Mobil Katılım Bankacılığı) Kullanımını Belirleyen Faktörler: TAM ve Dindarlık-Niyet Modeli Analizi

Öz

Bu çalışma, Teknoloji Kabul Modeli (TAM) ve Dindarlık-Niyet Modeli (RIM) entegrasyonu aracılığıyla İslami (katılım) banka müşterilerinin mobil bankacılık benimsemesini etkileyen faktörleri incelemeyi amaçlamaktadır. Bu bağlamda, Türkiye'deki İslami banka müşterileri örneklem olarak seçilmiş ve 358 kişiyle anket yapılmıştır. Değişkenler arasındaki algılanan fayda (PU), algılanan kullanım kolaylığı (PEU), kullanıcı memnuniyeti, dindarlık ve kullanım niyeti arasındaki ilişkiyi ortaya koymak için kısmi en küçük kareler yapısal eşitlik modeli (PLS-SEM) kullanılmıştır. Bulgular, İslami mobil bankacılık benimsemesinin TAM ve RIM entegrasyonu ile etkili bir şekilde açıklandığını doğrulamaktadır. Bu bağlamda, PU ve PEU mobil bankacılık benimsemesinde kritik bir rol oynamaktadır. Ayrıca, dindarlığın kullanıcı memnuniyeti ve kullanım niyeti üzerinde olumlu bir etkisi olduğu bulunmuştur. İslami bankalar, kullanıcı dostu mobil uygulamalar geliştirerek ve dini hassasiyetlere vurgu yaparak müşteri memnuniyetini artırma potansiyeline sahiptir. Kullanıcıların mobil bankacılık hakkındaki bilgi ve farkındalıklarının artırılması da oldukça önemlidir.

Anahtar Kelimeler

• İslami Bankacılık
• Katılım Bankacılığı
• İslam Ekonomisi
• İslami Finans
• Mobil Adaptasyon
• TAM
• Dindarlık-Niyet Modeli
• Din Ekonomisi

Determining Factors of Islamic Mobile Banking (Mobile Participation Banking) Usage in Türkiye: Analysis of TAM and Religiosity-Intention Model

Abstract

This work aims to examine the factors affecting mobile banking adoption by Islamic (participation) bank customers through the integration of the Technology Acceptance Model (TAM) and the Religiosity-Intention Model (RIM). In this context, Islamic bank customers in Türkiye were selected as the sample, and 358 people were surveyed. The partial least squares structural equation model (PLS-SEM) was used to reveal the relationship between perceived usefulness (PU), perceived ease of use (PEU), user satisfaction, religiosity, and intention to use among variables. The findings confirm that Islamic mobile banking adoption is effectively explained with the integration of TAM and RIM. In this context, PU and PEU play a critical role in mobile banking adoption. In addition, religiosity was found to have a positive effect on user satisfaction and intention to use. Islamic banks, by developing user-friendly mobile applications and emphasizing religious sensitivities, have the potential to increase customer satisfaction. Increasing the knowledge and awareness of users about mobile banking is also crucial.

Keywords

• Islamic Banking
• Participation Banking
• Islamic Economics
• İslamic Finance
• Mobile Adoption
• TAM (Technology Acceptance Model)
• Religiosity-Intention Model
• Economics of Religion

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