Genişletilmiş UTAUT2 perspektifi - mobil bankacılık kullanım niyeti ve davranışının belirleyicileri

Year 2021, Volume: 14 Issue: 1, 207 - 227, 08.01.2021

Hatice Elanur Kaplan Esen Gürbüz

https://doi.org/10.25287/ohuiibf.734288

Cited By: 1

Abstract

Tüketicilerin teknolojiyi kullanma niyeti ve kullanma davranışlarının belirleyicilerinin neler olduğunun ortaya konulması ile ilgili farklı teorik modeller bulunmaktadır. Birleştirilmiş teknoloji kabul ve kullanma teorisi-2 (BTKKT-2) modeli tüketiciyi merkeze alan bir model arayışında, davranış niyeti ve teknoloji kullanımı değişkenlerindeki varyansı, açıklamaktadır. Bu araştırma; Türkiye bağlamında bireylerin mobil bankacılık kullanma niyetlerinin ve kullanma davranışlarının belirleyicilerini ve etkilerini ortaya koymayı amaçlar. Araştırmanın verileri, 2018 yılı Nisan-Haziran ayları içerisinde 18 yaş ve üzerinde bulunan 684 katılımcıdan elde edilmiştir. Araştırma sonucunda mobil bankacılık kullanma davranış niyetini; güven, performans beklentisi, sosyal etki, kolaylaştırıcı şartlar, fiyat değeri ve alışkanlıkların etkilediği, alışkanlıklar ve güvenin hem kullanma davranışını hem de davranış niyetinde etkisinin olduğu saptanmıştır. Ayrıca, güven ile yaşın, hedonik motivasyon ile yaşın davranış niyeti, alışkanlıklar ile yaşın ise kullanma davranışında moderatör etkisi belirlenmiştir. Mobil bankacılığı kullanma davranış niyeti ile kullanma davranışı arasında ise anlamlı bir ilişki bulunmamıştır.

Keywords

UTAUT2, Mobil Bankacılık, Güven

An extended UTAUT2 perspective - determinants of mobile banking use intention and use behavior

Abstract

There are different theoretical models regarding the determinants of consumers’ intention to use technology and their use behavior. The Unified theory of acceptance and use of technology-2 (UTAUT-2) model explains the variance in behavioral intention and technology use variables in pursuit of a consumer-centric model. This research study aims to figure out the determinants and impacts of individuals’ intention to use mobile banking and their use behaviors within the context of Turkey. The data of the study was obtained from 684 participants aged 18 years or older in April-June 2018 via an online survey method. Findings of the research study reveal that the behavioral intention of using mobile banking is influenced by trust, social influence, price value, facilitating conditions, performance expectancy, and habit; whereas habit and trust affect both use behavior and behavioral intention. Furthermore, moderator impacts of trust and age as well as hedonic motivation and age on behavioral intention, whereas moderator impacts of habits and age on use behavior are determined. No significant relationship is found between the behavioral intention of using mobile banking and the use behavior.

Keywords

UTAUT2, Mobile Banking, Trust

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