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

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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