Investigation of mobile banking usage with partial least squares structural equation modeling

Öz

Technological developments in recent years have revolutionized the financial sector and have led to major changes in financial services. The spread of technological devices such as internet-enabled mobile phones and tablets together with fast and reliable communication networks encouraged banks and financial institutions to develop mobile banking (m-banking) applications. This, combined with the globalization of business and systems, has reinforced the need for a deeper understanding of the impact of adopting m-banking services. Therefore, in this study, m-banking usage was investigated with Technology Acceptance Model (TAM). Partial least squares structural equation modeling (PLSYEM), which can be used in small samples and does not require the assumption of multivariate normal distribution, was used in the fit of the model. Factors in TAM are usefulness, perceived ease of use, attitude towards m-banking and intention to use m-banking. The questionnaire developed in the study was applied in a face-to-face interview with 300 participants in a public institution operating in the mining field in Ankara. According to the analysis results, it was determined that perceived usefulness will increase by 0,837 unit as perceived ease of m-banking increases by one unit.

Anahtar Kelimeler

• Mobile Banking
• Technology Acceptance Model
• Partial Least Squares
• Structural Equation Modeling

Kısmi en küçük kareler yapısal eşitlik modellemesiyle mobil bankacılık kullanımının araştırılması

Öz

Son yıllarda yaşanan teknolojik gelişmeler finans sektöründe devrim yaratmış ve finansal hizmetlerde büyük değişikliklere yol açmıştır. İnternet özellikli mobil telefon, tablet gibi teknolojik aletlerin hızlı ve güvenilir iletişim ağlarıyla birlikte yayılması, bankaları ve finansal kurumları mobil bankacılık (m-bankacılık) uygulamalarını geliştirmeye teşvik etmiştir. Bu durum, iş dünyası ve sistemlerin küreselleşmesi ile birleştiğinde, m-bankacılık hizmetlerinin kabulünün etkisi hakkında daha derin bir anlayış edinme ihtiyacını güçlendirmiştir. Bu nedenle bu çalışmada, Teknoloji Kabul Modeli (TKM) ile m-bankacılık kullanımı araştırılmıştır. Modelin uyumunda, küçük örneklemlerde kullanılabilen ve çok değişkenli normal dağılım varsayımı gerektirmeyen kısmi en küçük kareler yapısal eşitlik modellemesi (KEKK-YEM) kullanılmıştır. TKM’de yer alan faktörler kullanışlılık, algılanan kullanım kolaylığı, m-bankacılığa ilişkin tutum ve m-bankacılığı kullanma niyetidir. Çalışmada geliştirilen anket Ankara’da madencilik alanında faaliyet gösteren bir kamu kurumunda 300 katılımcıyla yüz yüze görüşülerek uygulanmıştır. Analiz sonuçlarına göre, m-bankacılığa yönelik algılanan kolaylık bir birim arttıkça algılanan kullanışlılık 0,837 birim artacağı belirlenmiştir.

Anahtar Kelimeler

• Mobil Bankacılık
• Teknoloji Kabul Modeli
• Kısmi En Küçük Kareler
• Yapısal Eşitlik Modellemesi

Kaynakça

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