Mobil Ödeme Uygulamasının Risklerini Almaya Hazır mısınız? Erken Benimseyen ve Son Benimseyen Tüketicilerin Karşılaştırması

Yıl 2017, Cilt: 19 Sayı: 3, 952 - 974, 29.12.2017

Ayşegül Sağkaya Güngör

Öz

Mobil
ödeme uygulamaları oldukça yeni, ancak hızla gelişen bir teknoloji olarak
akademisyenlerin ve uygulayıcıların yeni yeni dikkatini çekmektedir. Kitleler
tarafından kabul edilebilmesi için öncelikle mobil ödeme uygulama
teknolojisinin kullanımı ile ilgili risklerin anlaşılması gerekmektedir. Bu
çalışma, mobil ödeme uygulamalarıyla ilgili tüketicilerin algıladığı riskleri
anlamaya çalışırken, aynı zamanda yeniliklerin adaptasyonu eğrisindeki erken
benimseyenler ve son benimseyenler arasındaki farkları da araştırmaya yönelik
bir girişimdir. Bu amaçlara ulaşmak için, teknoloji kabul modeli (TAM) üzerinde
üç risk faktörünü, yani finansal risk, gizlilik riski ve güvenlik riski,
yansıtan bir araştırma modeli geliştirilmiştir. Oluşturulan model yapısal
eşitlik modellemesi kullanılarak, 133 erken benimseyen ve 105 geç benimseyen
tüketicilerden oluşan bir veri kümesiyle ampirik olarak test edilmiştir.
Sonuçlar, mobil ödeme uygulamalarını kullanmak konusunda erken benimseyen
tüketicilerin ve geç benimseyen tüketicilerin farklı risk algılamaları olduğunu
ortaya koymaktadır. Bu sonuca ek olarak, mobil ödeme uygulamalarını kullanımına
yönelik tutumları ve kullanma niyetleri, erken benimseyen tüketiciler ve geç
benimseyen tüketiciler için farklı faktörlerden etkilenmektedir.

Anahtar Kelimeler

Erken Benimseyenler, Geç Benimseyenler, Mobil Ödeme Uygulaması, Teknoloji Kabul Modeli, Risk

Are You Ready To Take The Risks Of Mobile Payment App? Early Adopters Vs Laggards

Öz

Mobile payment apps are rather a new, but a quickly
developing technology which newly takes attention of the academicians and
practitioners. In order for them to be accepted by the masses, first of all, risks that are related to the use of technology should be understood.
This study is an attempt to understand the related risks with the mobile
payment apps while differentiating between early adopters and laggards. To do this, a research model that reflects
the three risk factors, namely financial,
privacy and security risk, are developed on the technology acceptance model
(TAM). The model is empirically tested by structural equation modeling with a
dataset of 133 early adopters and 105 laggards. The results imply that there
are different perceptions of risks of early adopters and laggards in m-payment
app use. Additionally, their attitude toward the app use and their intention to
use the mobile payment apps are dependent
on different factors for early adopters and laggards.

Anahtar Kelimeler

Early Adopters, Laggards, Mobile Payment App, Technology Acceptance Model, Risk

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