TY - JOUR T1 - Determinants of Internet Banking Adoption in Turkey TT - Türkiye’de İnternet Bankacılığı Kullanımının Belirleyicileri AU - Kose, Tekin AU - Guleryuz, Ece H. PY - 2020 DA - April DO - 10.19168/jyasar.575476 JF - Yaşar Üniversitesi E-Dergisi PB - Yaşar Üniversitesi WT - DergiPark SN - 1305-970X SP - 167 EP - 176 VL - 15 IS - 58 LA - en AB - Thisstudy analyses individual level determinants of internet banking adoption inTurkey with a special focus on gender. Using a nationally representativehousehold survey data, logistic regression models are estimated forquantification of the factors which influence consumer’s decision of internetbanking adoption. Empirical results indicate that females are less likely touse internet banking compared to males in Turkey. Education level, beingemployed, household income level, frequency, variety and skill level ofinternet usage have significantly positive associations with likelihood ofusing internet banking services. Additionally, age demonstrates a non-linearassociation with the use of internet banking. Middle-aged Turkish citizens aremore 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 andelimination of disparities in technology adoption has the potential to bringsubstantial benefits to the financial system in Turkey. KW - Internet Banking KW - Gender KW - Logistic Regression Models KW - Turkey KW - Digital Divide N2 - Buçalışma, Türkiye'de internet bankacılığı kullanımının bireysel düzeydekibelirleyicilerini toplumsal cinsiyete özel önem vererek incelemektedir.Müşterinin internet bankacılığını kullanma kararını etkileyen faktörlerinölçülmesi için ulusal temsil gücü yüksek bir hane halkı anketi verilerikullanılarak lojistik regresyon modelleri tahmin edilmektedir. Ampiriksonuçlar, Türkiye’de kadınların internet bankacılığı kullanma olasılığının erkeklerekıyasla daha az olduğunu göstermektedir. Eğitim düzeyi, çalışıyor olma,hanehalkı gelir düzeyi, internet kullanımının sıklığı, çeşitliliği ve beceridüzeyi, internet bankacılığı hizmetlerini kullanma olasılığı ile pozitifilişkilidir. Ek olarak, yaş internet bankacılığının kullanımıyla doğrusalolmayan bir ilişkiye sahiptir. Orta yaşlı Türk vatandaşlarının genç veyaşlılara kıyasla internet bankacılığı araçlarını kullanma olasılıkları dahayüksektir. Bu nedenle, dijital uçurumun Türkiye örneğinde var olduğu ve teknolojikullanma konusundaki eşitsizliklerin giderilmesinin Türkiye'deki finansalsisteme önemli faydalar sağlama potansiyeline sahip olduğu sonucu ortayaçıkmaktadır. CR - Akinci, S., Aksoy, S. and Atilgan, E. (2004), “Adoption of internet banking among sophisticated consumer segments in an advanced developing country”, International Journal of Bank Marketing, Vol. 22 No. 3, pp.212-232. CR - Boyacioglu, M.A., Hotamis, T.N. and Cetin, H. 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UR - https://doi.org/10.19168/jyasar.575476 L1 - https://dergipark.org.tr/tr/download/article-file/1097753 ER -