Determinants of Internet Banking Adoption in Turkey

Year 2020, Volume: 15 Issue: 58, 167 - 176, 30.04.2020

Tekin Kose Ece H. Guleryuz

https://doi.org/10.19168/jyasar.575476

Cited By: 1

Abstract

This
study analyses individual level determinants of internet banking adoption in
Turkey with a special focus on gender. Using a nationally representative
household survey data, logistic regression models are estimated for
quantification of the factors which influence consumer’s decision of internet
banking adoption. Empirical results indicate that females are less likely to
use internet banking compared to males in Turkey. Education level, being
employed, household income level, frequency, variety and skill level of
internet usage have significantly positive associations with likelihood of
using internet banking services. Additionally, age demonstrates a non-linear
association with the use of internet banking. Middle-aged Turkish citizens are
more likely to employ internet banking tools compared to the young and the elderly.
Hence, we conclude that the digital divide exists in the Turkish case and
elimination of disparities in technology adoption has the potential to bring
substantial benefits to the financial system in Turkey.

Keywords

Internet Banking, Gender, Logistic Regression Models, Turkey, Digital Divide

Türkiye’de İnternet Bankacılığı Kullanımının Belirleyicileri

Abstract

Bu
çalışma, Türkiye'de internet bankacılığı kullanımının bireysel düzeydeki
belirleyicilerini toplumsal cinsiyete özel önem vererek incelemektedir.
Müşterinin internet bankacılığını kullanma kararını etkileyen faktörlerin
ölçülmesi için ulusal temsil gücü yüksek bir hane halkı anketi verileri
kullanılarak lojistik regresyon modelleri tahmin edilmektedir. Ampirik
sonuçlar, Türkiye’de kadınların internet bankacılığı kullanma olasılığının erkeklere
kıyasla daha az olduğunu göstermektedir. Eğitim düzeyi, çalışıyor olma,
hanehalkı gelir düzeyi, internet kullanımının sıklığı, çeşitliliği ve beceri
düzeyi, internet bankacılığı hizmetlerini kullanma olasılığı ile pozitif
ilişkilidir. Ek olarak, yaş internet bankacılığının kullanımıyla doğrusal
olmayan bir ilişkiye sahiptir. Orta yaşlı Türk vatandaşlarının genç ve
yaşlılara kıyasla internet bankacılığı araçlarını kullanma olasılıkları daha
yüksektir. Bu nedenle, dijital uçurumun Türkiye örneğinde var olduğu ve teknoloji
kullanma konusundaki eşitsizliklerin giderilmesinin Türkiye'deki finansal
sisteme önemli faydalar sağlama potansiyeline sahip olduğu sonucu ortaya
çıkmaktadır.

Keywords

İnternet Bankacılığı, Toplumsal Cinsiyet, Lojistik Regresyon Modelleri, Türkiye, Dijital Uçurum

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