Teknoloji Kullanımı Finansal Okuryazarlık ve Dürtüselliğin Tekrar Ziyaret Niyeti Üzerindeki Etkilerini Nasıl Yönetiyor?

Year 2025, Volume: 33 Issue: 63, 53 - 86

Kayhan Ahmetoğulları , Nurgül Boz

https://doi.org/10.17233/sosyoekonomi.2025.01.03

Abstract

Bu çalışma, Antalya’yı ziyaret eden yabancı turistlerin finansal okuryazarlık ile dürtüsellik ve tekrar ziyaret etme niyeti arasındaki ilişkiyi araştırmaktadır. Ayrıca, teknoloji kullanımının bu ilişkideki moderatör rolünü incelemektedir. Turistler tarafından yaygın olarak kullanılan dillerin (İngilizce, Rusça, Almanca ve Lehçe) kullanılması suretiyle yüz yüze bir anket yapılmıştır. Veriler, SPSS ve AMOS programları kullanılarak korelasyon, doğrulayıcı faktör, yapısal eşitlik, düzenleyici, aracılık analizi ve aracının düzenleyici analizleriyle değerlendirilmiştir. Sonuçlar, finansal okuryazarlık modelinin finansal bilgi, finansal tutum ve finansal davranışı içerdiğini ve dürtüsellik ile tekrar ziyaret niyetini doğrulamaktadır. Yapısal eşitlik modelinden elde edilen doğrudan sonuçlara göre finansal bilgi dürtüsellik üzerinde olumlu etki yaparken, finansal tutumun etkisi olumsuzdur. Ayrıca finansal davranış hem dürtüselliği hem de tekrar ziyaret etme niyetini olumlu şekilde etkilemektedir. Dolaylı (aracılı) etkiler açısından, finansal bilgi ve finansal davranışın da dürtüsellik aracılığıyla tekrar ziyaret niyeti üzerinde önemli pozitif bir etkisi olduğu, finansal tutumun ise dürtüsellik aracılığıyla tekrar ziyaret niyeti üzerinde önemli negatif bir etkisi olduğu bulunmuştur. Sonuçlar, teknoloji kullanımının finansal okuryazarlık ile tekrar ziyaret etme niyeti arasındaki ilişkiyi önemli ölçüde hafiflettiğini göstermiştir. Buna ek olarak, teknoloji kullanımının finansal okuryazarlık ve dürtüsellik arasındaki ilişkiyi hafiflettiği bulunmuştur. Ayrıca, teknoloji kullanımı dürtüsellik ve tekrar ziyaret niyeti arasındaki ilişkiyi de anlamlı bir şekilde yönetmektedir. Son olarak, finansal okuryazarlık ile ziyaret niyeti arasındaki ilişkide dürtüsellik aracılığının teknoloji kullanımı tarafından düzenlenmediği bulunmuştur.

Keywords

Finansal Okuryazarlık, Dürtüsellik, Tekrar Ziyaret Niyeti, Teknoloji Kullanımı

Ethical Statement

Çalışma bütün aşamalarında etik ilkelere uygun ilerletilmiştir.

How Technology Use Moderates Financial Literacy and Impulsivity Effects on Revisit Intention

Abstract

This study investigates the relationship between financial literacy, impulsivity and intention to revisit among foreign tourists visiting Antalya, Türkiye. It also examines the moderating role of technology use in this relationship. A face-to-face survey was conducted using the languages commonly used by tourists visiting Türkiye (English, Russian, German and Polish). The data were evaluated by correlation, confirmatory factor, structural equation, moderator, mediated, and moderator of mediator analyses using SPSS and AMOS programs. The results showed that the financial literacy model included financial knowledge, financial attitude, and financial behaviour and confirmed the relationship between impulsivity and intention to revisit. According to the direct results obtained from the structural equation model, while financial knowledge has a positive effect on impulsivity, the impact of financial attitude is negative. Financial behaviour increased both impulsivity and intention to revisit. Regarding the indirect (mediated) effects, financial knowledge and financial behaviour had a significant positive effect on revisit intention via impulsivity, while financial attitude had a significant negative impact on revisit intention via impulsivity. The results showed that technology use significantly moderates the relationship between financial literacy and intention to revisit. Additionally, technology use moderates the relationship between financial literacy and impulsivity. Furthermore, technology use significantly moderates the relationship between impulsivity and intention to revisit significantly. Finally, technology use did not moderate the mediating effect of impulsivity in the relationship between financial literacy and revisit intention.

Keywords

Financial Literacy, Impulsivity, Intention to Revisit, Technology Usage

Ethical Statement

The study was conducted in accordance with ethical principles at all stages.

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