KUZEY KIBRIS’TA NİJERYALI VE ZİMBABVELİ ÖĞRENCİLERİNİN İNTERNET BANKACILIĞI KULLANIMINDAKİ ENGELLER

Year 2018, , 347 - 357, 30.09.2018

Berna Serener

https://doi.org/10.11611/yead.449496

Cited By: 1

Abstract

Bu makalenin
amacı Kuzey Kıbrıs’ta bulunan Nijeryalı ve Zimbabveli üniversite öğrencilerinin
internet bankacılığı servislerini kullanmalarına engel olan faktörleri
araştırmaktır.  Veri toplamak için Kuzey
Kıbrıs’ta özel bir üniversitede bulunan yüz Nijeryalı ve yüz Zimbabveli
öğrenciye anket verilmiştir. Faktör analizi sonuçlarına göre Nijeryalı ve Zimbabveli
üniversite öğrencilerinin internet bankacılığı kullanmalarını engelleyen en
önemli faktör internet bankacılığını kullanmayla ilgili hissettikleri
risktir.  Bunu sırasıyla öğrencilerin
geleneksel bankacılık servislerini tercih etmeleri engeli, internet bankacılığı
kullanışlılığıyla ilgili algılamalar engeli, altyapı engeli, devletten
kaynaklanan engeller ve kişisel kapasite engelleri takip etmektedir. Yukarıda
bahsedilen faktörlerin Nijeryalı ve Zimbabveli üniversite öğrencileri arasında
farklılıklarını bulmak için, bağımsız örneklemeler t-testi kullanılmıştır.
Araştırmanın bulguları Zimbabveli ve Nijeryalı öğrenciler arasında geleneksel
bankacılık servislerini tercih etmeleri engeli, altyapı engeli, ve devletten
kaynaklanan engeller bakımından istatistiksel olarak anlamlı bir farklılık olduğunu
göstermektedir.  İlginç olarak,
Zimbabveli ve Nijeryalı öğrencilerin internet bankacılığını kullanmayla ilgili hissettikleri
risk, internet bankacılığı kullanışlılığıyla ilgili algılamalar engeli ve kullanım
engelleri arasında istatistiksel olarak anlamlı bir fark yoktur.

Keywords

İnternet Bankacılığı, Engeller, Niyeryalılar, Zimbabweliler

BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS

Abstract

The purpose
of this paper is to analyse the factors preventing Nigerian and Zimbabwean
university students from adopting internet banking services in Northern Cyprus.
A survey was conducted to acquire data from one hundred Nigerians and one
hundred Zimbabwean university students attending a private university in
Northern Cyprus.  Factor analysis results
showed that the most important factor linked to the rejection of the usage of
internet banking services among Nigerian and Zimbabwean students were people’s
fears of the risk associated with such services.  This was followed by students’ preferences to
traditional banking practices, value barriers, infrastructure barriers,
government obstacles and usage barriers. 
In order to compare the differences between the aforementioned factors
for Nigerian and Zimbabwean students, independent samples t-tests were
conducted.  The study found that there
was a significant difference between the Nigerian and Zimbabwean student’s preference for traditional
banking practices, infrastructure and government obstacles. Interestingly,
there was no significant difference between the Nigerian and Zimbabwean
student’s fears over the risk associated with internet banking, perceptions of
its value and usage barriers.

Keywords

Internet Banking, Barriers, Nigerians, Zimbabweans

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