TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA

Feyza Ağlargöz; Abdul Moneir Zakiri

TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA

Abstract

Bu çalışmanın amacı, Afganistan’daki banka müşterilerinin ve potansiyel müşterilerin teknolojiye dayalı bankacılık ürün ve hizmetleri için hazır olma durumlarını ölçmek ve teknolojiye hazır olma ile teknolojiye dayalı bankacılık ürün ve hizmetleri kullanım niyeti arasındaki ilişkiyi incelemektir. Çalışmanın modeli çerçevesinde altı hipotez geliştirilmiştir. Veriler anket aracılığıyla Afganistan’ın Celalabad şehrinde 204 katılımcıdan toplanmıştır. Çalışmanın sonuçlarına göre, teknolojiye hazır olma ve teknolojiye dayalı bankacılık ürün ve hizmetleri kullanım niyeti arasında güçlü, anlamlı ve olumlu ilişki olduğu tespit edilmiştir. Ayrıca, teknolojiye hazır olmanın algılanan kullanım kolaylığı ile algılanan fayda üzerinde olumlu ve anlamlı etkileri olduğu saptanmıştır. Algılanan kullanım kolaylığı, algılanan fayda ve teknolojiye dayalı bankacılık ürün ve hizmetleri kullanım niyeti üzerinde olumlu ve anlamlı etkilere sahiptir. Algılanan faydanın, teknolojiye dayalı bankacılık ürün ve hizmetleri kullanım niyeti üzerinde anlamlı ve olumlu etkileri olduğu da bulunmuştur. Çalışma bulguları, Afganistan'daki banka müşterilerinin ve potansiyel müşterilerin teknolojiye dayalı bankacılık ürün ve hizmetlerini kullanmaya hazır olduğunu ortaya koymaktadır.

Keywords

References

Akça, Y. ve Özer, G. (2012). Teknoloji kabul modeli’nin kuramsal kaynak planlaması uygulamalarında kullanılması. Business and Economics Research Journal, 3(2), 79-96.
Agarwal, R. ve Prasad, J. (1998). A conceptual and operational definition of personal innovativeness in the domain of information technology. Information Systems Research, 9(2), 204-224.
Agarwal, R. ve Prasad, J. (1999). Are Individual Differences Germane to the Acceptance of New Information Technologies? Decision Sciences, 30(2), 361- 391.
Bateng, M.A. ve Kamil, A.A. (2010). E-Banking of economical prospects in Bangladesh. European Journal of Scientific Research, 45(2), 291-300.
Bennett, A., Schaetzen, S. B., Mireaux, D., Fischer, F., Kalfon, T. ve Rooden, R. V. (2003). Islamic State of Afghanistan: Rebuilding a macroeconomic framework for reconstruction and growth. International Monetary Fund, 4-139.
Bennett, A., Schaetzen, S. B., Mireaux, D., Fischer, F., Kalfon, T. ve Rooden, R. V. (2005). Reconstructing Afghanistan. International Monetary Fund, 1-82.
Berndt, A. D., Saunders, S. G. ve Petzer, D. J. (2010). Readiness for banking technologies in developing countries. Southern African Business Review, 14(3), 47-76.
Bitner, M. J. (2001). Service and technology: Opportunities and paradoxes. Managing Service Quality: An International Journal, 11(6), 375-379.

Çelik, H. (2008). What determines Turkish customers’ acceptance of Internet banking? International Journal of Bank Marketing, 26(5), 353-370.
Çelik, H. (2009). Bireysel müşterilerin sanal mağazaları kullanma eğilimlerini açıklarken çevrım içi alışverış yapma kaygısını daha ne kadar görmezlikten gelebiliriz? Uludağ Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 28(93), 93-118.
Çelik, H. E., Yılmaz, V. ve Pazarlıoğlu, M. V. (2010). Teknoloji kabul modeli ve bir uygulama. Finans Politik ve Ekonomik Yorumlar, 47(540), 35-44.
Chau, P.Y.K. ve P. J. Hu. (2002). Examining a model of information technology acceptance by individual professionals: An exploratory study. Journal of Management Information System, 18(4), 191-229.
Chen, S.-C., Chen, H.-H. ve Chen, M.-F. (2009). Determinants of satisfaction and continuance intention towards self-service technologies. Industrial Management and Data Systems, 109(9), 1248–1263.
Cheng, T.C. E., Lam, D.Y.C. ve Yeung, A.C.L. (2006). Adoption of internet banking: An empirical study in Hong Kong. Decision Support Systems, 42(3), 1558-1572.
Chipp, K., Hoenig, S. ve Nel, D. (2006). What can industrializing countries do to avoid the need for marketing reform?, J.N. Sheth ve R.S. Sisodia (Editörler), İçinde Does Marketing Need Reform?: Fresh Perspectives on the Future. New York: M.E. Sharpe.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340.
Davis, F. D., Bagozzi, R. P. ve Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
Davis, F. D., Bagozzi, R. P. ve Warshaw, P. R. (1992). Extrinsic and Intrinsic Motivation to Use Computers in the Workplace. Journal of Applied Social Psychology, 22(14), 1111–1132.
Demirci, A. E. ve Ersoy, N. F. (2008). Technology readiness for innovative high-tech products: How consumers perceive and adopt new technologies. Business Review, 11(1), 302-308.
Devaraj, S., Fan, M. ve Kohli, R. (2002). Antecedents of B2C Channel satisfaction and preference: Validating e-commerce metrics. Information Systems Research, 13(3), 316-333.
Diako, B., Lubbe, S. ve Klopper, R. (2012). The Degree of readiness of South African senior citizens for electronic banking: An exploratory investigation. Alternation Special Edition, 5(2012), 255-287.
Eriksson, K. ve Nilsson, D. (2007). Determinants of the continued use of self-service technology: The case of Internet banking. Technovation, 27(4), 159-167.
Esen, M. ve Erdoğmuş, N. (2014). Effects of technology readiness on technology acceptance in E-HRM: Mediating role of perceived usefulness. Bilgi Ekonomisi ve Yönetimi Dergisi, 9(1), 7-21.
Fishbein, M. ve Ajzen, I. (1975). Belief, attitude, intention, and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley.
Flynn, L. R., Goldsmith, R. E. (1993). A Validation of the Goldsmith and Hofacker innovativeness scale. Educational and Psychological Measurement, 53(4), 1105-1116.
Gefen, D., Karahanna, E. ve Straub, D. W. (2003). Trust and TAM in Online Shopping: An Integrated Model. MIS Quarterly, 27(1), 51-90.
Gelderman, C. J., Ghijsen, P. W. Th, ve van Diemen, R. (2011). Choosing self-service technologies or interpersonal services: The impact of situational factors and technologyrelated attitudes. Journal of Retailing and Consumer Services, 18(5), 414-421.
Godoe, P. ve Johansen, T. S. (2012). Understanding adoption of new technologies: Technology readiness and technology acceptance as an integrated concept. Journal of European Psychology Students, 3(1), 38-52.
Ha, S. ve Stoel, L. (2009). Consumer e-shopping acceptance: Antecedents in a technology acceptance model. Journal of Business Research, 62(5), 565-571.
Hu, P.J., Chau, P.Y.K., Sheng, O.R.L. ve Tam, K.Y. (1999). Examining the technology acceptance model using physician acceptance of telemedicine technology. Journal of Management Information Systems, 16(2), 91-112.
Igbaria, M. (1993). User acceptance of microcomputer technology: An empirical test. Omega, 21(1), 73-90.
Igbaria, M., Iivari, J. ve Maragahh, H. (1995). Why do individuals use computer technology? A Finnish case study. Information & Management, 29(5), 227-238.
Jeong, B. K. ve Yoon, T. E. (2013). An empirical investigation on consumer acceptance of mobile banking services. Business and Management Research, Business and Management Research, 2(1), 31-40.
Karim, P. (2012). Banking in Afghanistan. http://www.kotiposti.net/msaleha/nai_10/sh _11/p_10.html (Erişim tarihi 30.10.2016).
Kleijnena, M., Leeb, N. ve Wetzelsc, M. (2009). An exploration of consumer resistance to innovation and its antecedents. Journal of Economic Psychology, 30(3), 344-357.
Kurulgan, M. ve Özata, F. Z. (2010). Elektronik kütüphane hizmetlerinin öğretim elemanları tarafından benimsenmesinde etkili olan faktörler: Anadolu Üniversitesi öğretim elemanları üzerinde bir araştırma. Bilgi Dünyası, 11(2), 243-262.
Kuyumcuoğlu, M. ve Basoğlu, A.N. (2008). Bilişim Sistemlerinde Risk Yönetimi Benimseme Modeli. Yönetim Dergisi, 19(16), 143-164.
Lallmahamood, M. (2007). An examination of individual’s perceived security and privacy of the internet in Malaysia and the influence of this on their intention to use e-commerce: Using an extension of the technology acceptance model. Journal of Internet Banking and Commerce, 12(3), 1-26.
Lee, J. ve Allaway, A. (2002). Effects of personal control on adoption of self-service technology innovations. Journal of Services Marketing, 16(6), 553-572.
Lee, W., Castellanos, C. ve Choi, H. S. C. (2012). The effect of technology readiness on customers' attitudes toward self-service technology and its adoption; the empirical study of U.S. airline self-service check-in kiosks. Journal of Travel & Tourism Marketing, 29(8), 731-743.
Liljander, V., Gillberg, F., Gummerus, J. ve Riel A. V. (2006). Technology readiness and the evaluation and adoption of self-service technologies. Journal of Retailing and Consumer Services, 13(3), 177-191.
Lin, C.-H., Shih, H.-Y. ve Sher, P.J. (2007). Integrating technology readiness into technology acceptance: The TRAM model. Psychology and Marketing, 24(7), 641-657.
Lin J.-S. C. ve Hsieh. P.-L. (2006). The role of technology readiness in customers’ perception and adoption of self-service technologies. International Journal of Service Industry Management, 17(5), 497-517.
Lin, J.-S. C. ve Hsieh, P.-L. (2007). The influence of technology readiness on satisfaction and behavioral intentions toward self-service technologies. Computer in Human Behavior, 23(3), 1597–1615.
Mandilas, A., Karasavvoglou, A., Nikolaidis, M. ve Tsourgiannis, L. (2013). Predicting consumer’s perceptions in on-line shopping. Procedia Technology, 8(2013), 435-444.
Massey, A. P., Khatri, V. ve Montoya-Weiss, M. M. (2007). Usability of online services: The role of technology readiness and context. Decision Sciences, 38(2), 277-308.
Mathieson, K. (1991). Predicting user intentions comparing the technology acceptance model with the theory of planned behavior. Information Systems Research, 2(3), 173-191.
Mathieson, K., E. Peacock ve Chin, W.W. (2001). Extending the technology acceptance model: the influence of perceived user resources. Data Base, 32(3), 86-1.
Meuter, M.L., Bitner, M.J., Ostrom, A. L. ve Brown, S.W. (2005). Choosing among alternative service delivery modes: An investigation of customer trial of self-service technologies. Journal of Marketing, 69(2), 61–83.
Mick, D. G. ve Fournier, S. (1998). Paradoxes of Technology: Consumer Cognizance, Emotions and Coping Strategies. Journal of Consumer Research, 25(2), 123-143.
Midgley, D. F. ve Dowling, G. R. (1978). Innovativeness: the concept and its measurement. Journal of Consumer Research, 4(4) 229-242.
Monsuwe, T. P. Y., Dellaert B. G. C. ve Ruyter, J. C. (2004).What drives consumers to shop online? A literature review. International Journal of Service Industry Management, 15(1), 102–121.
Moon, J. ve Kim, Y. (2001). Extending the TAM for a World-Wide-Web Context. Information and Management, 38(4), 217-230.
Nunkoo, R. ve Ramkissoon, H. (2013). Travelers’ E-Purchase Intent of Tourism Products and Services. Journal of Hospitality Marketing & Management, 22(5), 505-529.
Nysveen, H., Pedersen, P. E. ve Thorbjørnsen, H. (2005). Intentions to use mobile services: antecedents and cross-service comparisons. Journal of the Academy of Marketing Science, 33(3), 1-51.
Özata, F.Z. (2009). Yüksek teknoloji yeniliği olarak akıllı telefonların genç tüketiciler tarafından benimsenmesinde etkili olan faktörler. Yayımlanmamış doktora tezi, Anadolu Üniversitesi, Eskişehir.
Özer, P. S., Eriş, E. D. ve Özmen, Ö. N. T. (2012). Bilişim teknolojileri uygulamalarında kullanım niyetine etki eden davranışsal faktörleri belirlemeye yönelik bütünleşik bir model önerisi. Dokuz Eylül Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 27(2), 93-114.
Padachi, K., Rojid, S. ve Seetanah, B. (2008). Investigating into the factors that influence the adoption of internet banking in Mauritius. Journal of Internet Business, 5(2008), 98-120.
Parasuraman, A. (2000). Technology readiness index (TRI) a multiple-item scale to measure readiness to embrace new technologies. Journal of Service Research, 2(4), 307-320.
Parasuraman, A. ve Colby C. L. (2001). Techno-ready marketing: How and why your customers adopt technology. New York: Free Press.
Parasuraman, A. ve Colby, C. L. (2014). An updated and streamlined technology readiness Index: TRI 2.0. Journal of Service Research, 18(1), 59-74.
Ramayah, T. ve Ignatius, J. (2005). Impact of perceived usefulness, perceived ease of use and perceived enjoyment on the intention to shop online. ICFAI Journal of Systems Management (IJSM), 3(3), 36-51.
Ramayah, T., Jantan, M., Noor, M. N. M., Ling, K. P. ve Razak, R. C. (2003). Receptiveness of internet banking by Malaysian consumers : the Case of Penang. Asian Academy of Management Journal, 8(2), 1–29.
Rogers E. M. (2003). Diffusion of innovation. New York: The Free Press.
Rose, J. ve Fogarty, G. (2006). Determinants of perceived usefulness and perceived ease of use in the technology acceptance model: Senior consumers’ adoption of self-service banking technologies. Academy of World Business, Marketing & Management Development Conference Proceedings, 2(10), 122-129.
Ryan, C. ve Rao, U. (2008). Holiday users of the internet-ease of use, functionality and novelty. International Journal of Tourism Research, 10(4), 329-339.
Saadé, R. G. ve Kira, D. (2009). The emotional in e-learning. Journal of Asynchronous Learning Networks, 13(4), 57-72.
Sahi, G. K. ve Gupta, S. (2013). Perdicting Customer's Toward ATM services. Journal of Indian Businees Research, 5(4), 251-270.
Scheier, M. E. ve Carver, C. S. (1987). Dispositional optimism and physical well-being: The influence of generalized outcome expectancies on health. Journal of personality, 55(2), 169-210.
Sekaran, U. (2000). Research methods for business: A skill business approach. New York: John Wiley & Sons.
Shambare, R. (2013). Technology readiness and EFTPoS usage in Zimbabwe. International Journal of Business and Economic Development 1(1), 13-22.
Sophonthummapharn, K. ve Tesar, G. (2007). Technology readiness and propensity of cell phone users to subscribe to commercial messaging services. Marketing Management Journal, 17(2), 81–95.
Sönmez, E. ve Akgül, H. (2015). Üniversite öğrencilerinin teknolojiye hazır bulunuşluk düzeyi ve kişilik özellikleri arasındaki ilişki: Erciyes Üniversitesi örneği. Yönetim Bilimleri Dergisi, 13(26), 305-327.
Teo, T. (2011). Factors influencing teachers’ intention to use technology: Model development and test. Computers & Education, 57(4), 2432-2440.
Teo, T., Su Luan, W., & Sing, C. C. (2008). A cross-cultural examination of the intention to use technology between Singaporean and Malaysian pre-service teachers: an application of the Technology Acceptance Model (TAM). Educational Technology & Society, 11(4), 265–280.
Termsnguanwong, S. (2010). Customers’ discernment of mobile banking business: Northern Region Thailand. International Trade & Academic Research Conference (ITARC), London 2010. (Refereed Conference Paper).
Tsikriktsis, N. (2004). A technology readiness-based taxonomy of customers: A replication and extension. Journal of Service Research, 7(1), 42–52.
Ustasüleyman, T. ve Eyüboğlu, K. (2010). Bireylerin internet bankacılığını benimsemesini etkileyen faktörlerin yapısal eşitlik modeli ile belirlenmesi. BDDK Bankacılık ve Finansal Piyasalar, 4(2), 11-38.
Venkatesh, V. (2000). Determinants of Perceived Ease of Use: Integrating Control, Intrinsic Motivation, and Emotion into the Technology Acceptance Model. Information Systems Research, 11(4), 342–365.
Venkatesh, V. ve Davis, F. D. (2000). A Theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186–204.
Venkatesh, V. ve Morris, M.G. (2000). Why don't men ever stop to ask for directions? Gender, social influence, and their role in technology acceptance and usage behavior. MIS Quarterly, 24(1), 115-139.
Walczuch, R., Lemmink, J. ve Streukens, S. (2007). The effect of service employees’ technology readiness on technology acceptance. Information & Management, 44(2), 206-215.
Yen, H.R. (2005). An attribute-based model of quality satisfaction for internet self-service technology. Service Industries Journal, 25(5), 641-659.
Yılmaz, C. ve Tümtürk, A. (2015). İnternet üzerinden alışveriş niyetini etkileyen faktörlerin genişletilmiş teknoloji kabul modeli kullanarak incelenmesi ve bir model önerisi. Celal Bayar Üniversitesi Yönetime ve Ekonomi Dergisi, 22(2), 355-384.
Zeithaml, V. A., Parasuraman, A. ve Malhotra, A. (2002). Service quality delivery through web sites: a critical review of extant knowledge. Journal of the Academy of Marketing Science, 30(4), 362-375.
http://dab.gov.af/en/page/media/history-of-dab (Erişim tarihi: 30.10.2016)
http://dab.gov.af/en/page/financial-supervision/licensed-financial-institutions (Erişim tarihi: 30.10.2016)

Details

Primary Language

Turkish

Subjects

Business Administration

Journal Section

Research Article

Authors

Feyza Ağlargöz ^*
0000-0002-3350-7268
Türkiye

Abdul Moneir Zakiri This is me
0000-0002-9314-418X
Türkiye

Publication Date

March 30, 2021

Submission Date

March 15, 2021

Acceptance Date

March 27, 2021

Published in Issue

Year 2021 Volume: 22 Number: 1

IZ

https://izlik.org/JA22BF45JA

Cite

RIS / Bibtex

APA

Ağlargöz, F., & Zakiri, A. M. (2021). TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA. Anadolu Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 22(1), 83-108. https://izlik.org/JA22BF45JA

AMA

1.Ağlargöz F, Zakiri AM. TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA. AUİİBFD. 2021;22(1):83-108. https://izlik.org/JA22BF45JA

Chicago

Ağlargöz, Feyza, and Abdul Moneir Zakiri. 2021. “TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA”. Anadolu Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi 22 (1): 83-108. https://izlik.org/JA22BF45JA.

EndNote

Ağlargöz F, Zakiri AM (March 1, 2021) TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA. Anadolu Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi 22 1 83–108.

IEEE

[1]F. Ağlargöz and A. M. Zakiri, “TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA”, AUİİBFD, vol. 22, no. 1, pp. 83–108, Mar. 2021, [Online]. Available: https://izlik.org/JA22BF45JA

ISNAD

Ağlargöz, Feyza - Zakiri, Abdul Moneir. “TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA”. Anadolu Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi 22/1 (March 1, 2021): 83-108. https://izlik.org/JA22BF45JA.

JAMA

1.Ağlargöz F, Zakiri AM. TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA. AUİİBFD. 2021;22:83–108.

MLA

Ağlargöz, Feyza, and Abdul Moneir Zakiri. “TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA”. Anadolu Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, vol. 22, no. 1, Mar. 2021, pp. 83-108, https://izlik.org/JA22BF45JA.

Vancouver

1.Feyza Ağlargöz, Abdul Moneir Zakiri. TEKNOLOJİYE HAZIR OLMA İLE TEKNOLOJİYE DAYALI BANKACILIK ÜRÜNLERİ VE HİZMETLERİ KULLANIM NİYETİ ARASINDAKİ İLİŞKİ: AFGANİSTAN’DA BİR ARAŞTIRMA. AUİİBFD [Internet]. 2021 Mar. 1;22(1):83-108. Available from: https://izlik.org/JA22BF45JA