BİREYLERİN KRİPTO PARA KULLANIMINA İLİŞKİN TUTUMLARI: TÜRKİYE'DEN BİR UYGULAMA

Abstract

Amaç: Çalışmada, Türk katılımcıların kripto paraları kullanmakta neden istekli olduklarını veya neden tereddüt ettiklerini belirlemek ve kripto paraların kullanımını etkileyen faktörleri değerlendirmek amaçlanmaktadır. Yöntem: Çalışmada Türk bireylerin kripto para kullanımına dair tutumlarını analiz etmek için teknoloji kabul modeli (TAM) kullanılmıştır. Araştırma modelini test etmek için yapısal denklem (regresyon) modellemesi (SEM) kullanılmıştır. Analiz için AMOS ve SPSS programlarından yararlanılmıştır. Bulgular: Çalışma modeli, kripto para kullanımının en fazla algılanan faydadan etkilendiğini göstermiştir. Beklentilerin aksine, algılanan risk kullanım davranışı üzerinde önemli bir etki yaratmamıştır. Algılanan fayda ile merkezi olmayan yapılanma faktörü arasında nedensellik ilişkisi diğer fayda alt faktörlerinden daha fazla bulunmuştur. Algılanan kullanım kolaylığının kullanım davranışı ile çalışmada olumlu doğrudan bir ilişkisi yoktur. Algılanan kullanım kolaylığının algılanan fayda ile çalışmada olumlu bir ilişkisi vardır. Özgünlük: Türkiye’de kripto para tutumuna yönelik bir araştırmaya rastlanılmamıştır.

Keywords

• Kripto para
• bitcoin
• algılanan risk
• algılanan fayda
• algılanan kullanım kolaylığı
• davranış

ATTITUDES OF INDIVIDUALS ABOUT USING CRYPTOCURRENCIES: EVIDENCE FROM TURKEY

Abstract

Purpose: The study aimed to determine why Turkish participants are voluntary or hesitant to use cryptocurrencies and to assess which factors affected cryptocurrencies usage. Method: Technology acceptance model (TAM) was used in the study to analyze Turkish individuals’ cryptocurrency usage behavior. Structural equation (regression) modeling (SEM) was used to test the research model. AMOS and SPSS programs were used for analysis. Findings: The study model showed that cryptocurrency usage was exposed to the most effect by perceived benefit. Contrary to expectations, perceived risk did not make any significant effect on usage behavior. A causality relation between perceived benefit and decentralization factor was found more than other benefit sub-factors. Perceived ease of use had no positive direct relation with usage behavior in the study. Perceived ease of use had a positive relation with perceived benefit in the study.

Keywords

• Cryptocurrency
• bitcoin
• perceived risk
• perceived benefit
• perceived ease of use
• behavior

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