Determinants of Internet Banking Adoption in Turkey

Öz

This study analyses individual level determinants of internet banking adoption in Turkey with a special focus on gender. Using a nationally representative household survey data, logistic regression models are estimated for quantification of the factors which influence consumer’s decision of internet banking adoption. Empirical results indicate that females are less likely to use internet banking compared to males in Turkey. Education level, being employed, household income level, frequency, variety and skill level of internet usage have significantly positive associations with likelihood of using internet banking services. Additionally, age demonstrates a non-linear association with the use of internet banking. Middle-aged Turkish citizens are more 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 and elimination of disparities in technology adoption has the potential to bring substantial benefits to the financial system in Turkey.

Anahtar Kelimeler

• Internet Banking,Gender,Logistic Regression Models,Turkey,Digital Divide

Türkiye’de İnternet Bankacılığı Kullanımının Belirleyicileri

Öz

Bu çalışma, Türkiye'de internet bankacılığı kullanımının bireysel düzeydeki belirleyicilerini toplumsal cinsiyete özel önem vererek incelemektedir. Müşterinin internet bankacılığını kullanma kararını etkileyen faktörlerin ölçülmesi için ulusal temsil gücü yüksek bir hane halkı anketi verileri kullanılarak lojistik regresyon modelleri tahmin edilmektedir. Ampirik sonuçlar, Türkiye’de kadınların internet bankacılığı kullanma olasılığının erkeklere kıyasla daha az olduğunu göstermektedir. Eğitim düzeyi, çalışıyor olma, hanehalkı gelir düzeyi, internet kullanımının sıklığı, çeşitliliği ve beceri düzeyi, internet bankacılığı hizmetlerini kullanma olasılığı ile pozitif ilişkilidir. Ek olarak, yaş internet bankacılığının kullanımıyla doğrusal olmayan bir ilişkiye sahiptir. Orta yaşlı Türk vatandaşlarının genç ve yaşlılara kıyasla internet bankacılığı araçlarını kullanma olasılıkları daha yüksektir. Bu nedenle, dijital uçurumun Türkiye örneğinde var olduğu ve teknoloji kullanma konusundaki eşitsizliklerin giderilmesinin Türkiye'deki finansal sisteme önemli faydalar sağlama potansiyeline sahip olduğu sonucu ortaya çıkmaktadır.

Anahtar Kelimeler

• İnternet Bankacılığı,Toplumsal Cinsiyet,Lojistik Regresyon Modelleri,Türkiye,Dijital Uçurum

Kaynakça

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