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Determinants of Internet Banking Adoption in Turkey

Yıl 2020, Cilt: 15 Sayı: 58, 167 - 176, 30.04.2020
https://doi.org/10.19168/jyasar.575476

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.

Kaynakça

  • 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.
  • Boyacioglu, M.A., Hotamis, T.N. and Cetin, H. (2010), “An evaluation of Internet banking in Turkey”, Journal of Internet Banking and Commerce, Vol. 15 No. 2, pp.1-32.
  • Celik, H. (2008), “What determines Turkish customers' acceptance of internet banking?”, International Journal of Bank Marketing, Vol. 26 No. 5, pp.353-370.
  • Foon, Y. S. and Fah, B. C. Y. (2011), “Internet banking adoption in Kuala Lumpur: an application of UTAUT model”, International Journal of Business and Management, Vol. 6 No. 4, pp.161-167.
  • Gerrard, P. and Cunningham, J. B. (2003), “The diffusion of internet banking among Singapore consumers”, International Journal of Bank Marketing, Vol. 21 No. 1, pp.16-28.
  • Hanafizadeh, P., Keating, B. W. and Khedmatgozar, H. R. (2014), “A systematic review of Internet banking adoption”, Telematics and Informatics, Vol. 31 No. 3, pp. 492-510.
  • Martins, C., Oliveira, T. and Popovič, A. (2014), “Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application”, International Journal of Information Management, No. 34 Vol. 1, pp. 1-13.
  • Mzoughi, N. and M’Sallem, W. (2013), “Predictors of internet banking adoption: Profiling Tunisian postponers, opponents and rejectors”, International Journal of Bank Marketing, Vol. 31 No. 5, pp. 388-408.
  • Namahoot, K. S. and Laohavichien, T. (2018), “Assessing the intentions to use internet banking: The role of perceived risk and trust as mediating factors”, International Journal of Bank Marketing, Vol. 36 No. 2, pp. 256-276.
  • Nasri, W. and Charfeddine, L. (2012), “Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior”, The Journal of High Technology Management Research, Vol. 23 No. 1, pp. 1-14.
  • Onar, S. C., Aktas, E. and Topcu, Y. I. (2010), “A Multi-Criteria Evaluation of Factors Affecting Internet Banking in Turkey”, in Ehrgott, M., Naujoks, B., Stewart, T., Wallenius, J. (Eds.) Multiple Criteria Decision Making for Sustainable Energy and Transportation Systems, Springer, Berlin, Heidelberg, pp. 235-246.
  • Onay, C., Ozsoz, E. and Helvacıoğlu, A. D. (2008), The impact of internet-banking on bank profitability-The case of Turkey”, in Oxford Business &Economics Conference Program, June 22-24.
  • Ozdemir, S. and Trott, P. (2009), “Exploring the adoption of a service innovation: A study of Internet banking adopters and non-adopters”, Journal of Financial Services Marketing, Vol. 13 No. 4, pp. 284-299.
  • Ozdemir, S., Trott, P. and Hoecht, A. (2008), “Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector”, International Journal of Bank Marketing, Vol. 26 No. 4, pp. 212-236.
  • Patsiotis, A. G., Hughes, T. and Webber, D. J. (2012), “Adopters and non-adopters of internet banking: a segmentation study”, International Journal of Bank Marketing, Vol. 30 No. 1, pp. 20-42.
  • Polasik, M. and Wisniewski, T. P. (2009), “Empirical analysis of internet banking adoption in Poland”, International Journal of Bank Marketing, Vol. 27 No. 1, pp.32-52.
  • Polatoglu, V. N. and Ekin, S. (2001), “An empirical investigation of the Turkish consumers’ acceptance of Internet banking services”, International Journal of Bank Marketing, Vol. 19 No. 4, pp. 156-165.
  • Riquelme, H. E. and Rios, R. E. (2010), “The moderating effect of gender in the adoption of mobile banking”, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 328-341.
  • Sathye, M. (1999), “Adoption of Internet banking by Australian consumers: an empirical investigation”, International Journal of Bank Marketing, Vol. 17 No. 7, pp. 324-334.
  • Sayar, C. and Wolfe, S. (2007), “Internet banking market performance: Turkey versus the UK”, International Journal of Bank Marketing, Vol. 25 No. 3, pp. 122-141.
  • Shaikh, A. A. and Karjaluoto, H. (2015), “Mobile banking adoption: A literature review”, Telematics and Informatics, Vol. 32 No. 1, pp. 129-142.
  • Statistical Office of the European Communities (EUROSTAT). (2019). Eurostat Information Society Indicators. Luxembourg: Eurostat. Retrieved (15.01.2019) from: http://appsso.eurostat.ec.europa.eu/nui/submitViewTableAction.do
  • Tan, M. and Teo, T. S. (2000), “Factors influencing the adoption of Internet banking”, Journal of the AIS, Vol. 1 No. 1, 5.
  • Turkish Statistical Institute (TSI). (2016). Information and Communication Technology (ICT) Usage Survey on Households and Individuals, 2016. http://www.tuik.gov.tr/MicroVeri/HBT_2016/english/index.html.
  • Xue, M., Hitt, L. M. and Chen, P. Y. (2011), “Determinants and outcomes of internet banking adoption”, Management Science, Vol. 57, No. 2, pp. 291-307.
  • Yadav, R., Chauhan, V. and Pathak, G. S. (2015), “Intention to adopt internet banking in an emerging economy: a perspective of Indian youth”, International Journal of Bank Marketing, Vol. 33 No. 4, pp. 530-544.
  • Yousafzai, S. and Yani-de-Soriano, M. (2012), “Understanding customer-specific factors underpinning internet banking adoption”, International Journal of Bank Marketing, Vol. 30 No. 1, pp. 60-81.
  • Yuen, Y. Y., Yeow, P. H., Lim, N. and Saylani, N. (2010), “Internet banking adoption: Comparing developed and developing countries”, Journal of Computer Information Systems, Vol. 51 No. 1, pp. 52-61.
  • Zhao, A. L., Koenig-Lewis, N., Hanmer-Lloyd, S. and Ward, P. (2010), “Adoption of internet banking services in China: is it all about trust?”, International Journal of Bank Marketing, Vol. 28 No. 1, pp. 7-26.

Türkiye’de İnternet Bankacılığı Kullanımının Belirleyicileri

Yıl 2020, Cilt: 15 Sayı: 58, 167 - 176, 30.04.2020
https://doi.org/10.19168/jyasar.575476

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.

Kaynakça

  • 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.
  • Boyacioglu, M.A., Hotamis, T.N. and Cetin, H. (2010), “An evaluation of Internet banking in Turkey”, Journal of Internet Banking and Commerce, Vol. 15 No. 2, pp.1-32.
  • Celik, H. (2008), “What determines Turkish customers' acceptance of internet banking?”, International Journal of Bank Marketing, Vol. 26 No. 5, pp.353-370.
  • Foon, Y. S. and Fah, B. C. Y. (2011), “Internet banking adoption in Kuala Lumpur: an application of UTAUT model”, International Journal of Business and Management, Vol. 6 No. 4, pp.161-167.
  • Gerrard, P. and Cunningham, J. B. (2003), “The diffusion of internet banking among Singapore consumers”, International Journal of Bank Marketing, Vol. 21 No. 1, pp.16-28.
  • Hanafizadeh, P., Keating, B. W. and Khedmatgozar, H. R. (2014), “A systematic review of Internet banking adoption”, Telematics and Informatics, Vol. 31 No. 3, pp. 492-510.
  • Martins, C., Oliveira, T. and Popovič, A. (2014), “Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application”, International Journal of Information Management, No. 34 Vol. 1, pp. 1-13.
  • Mzoughi, N. and M’Sallem, W. (2013), “Predictors of internet banking adoption: Profiling Tunisian postponers, opponents and rejectors”, International Journal of Bank Marketing, Vol. 31 No. 5, pp. 388-408.
  • Namahoot, K. S. and Laohavichien, T. (2018), “Assessing the intentions to use internet banking: The role of perceived risk and trust as mediating factors”, International Journal of Bank Marketing, Vol. 36 No. 2, pp. 256-276.
  • Nasri, W. and Charfeddine, L. (2012), “Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior”, The Journal of High Technology Management Research, Vol. 23 No. 1, pp. 1-14.
  • Onar, S. C., Aktas, E. and Topcu, Y. I. (2010), “A Multi-Criteria Evaluation of Factors Affecting Internet Banking in Turkey”, in Ehrgott, M., Naujoks, B., Stewart, T., Wallenius, J. (Eds.) Multiple Criteria Decision Making for Sustainable Energy and Transportation Systems, Springer, Berlin, Heidelberg, pp. 235-246.
  • Onay, C., Ozsoz, E. and Helvacıoğlu, A. D. (2008), The impact of internet-banking on bank profitability-The case of Turkey”, in Oxford Business &Economics Conference Program, June 22-24.
  • Ozdemir, S. and Trott, P. (2009), “Exploring the adoption of a service innovation: A study of Internet banking adopters and non-adopters”, Journal of Financial Services Marketing, Vol. 13 No. 4, pp. 284-299.
  • Ozdemir, S., Trott, P. and Hoecht, A. (2008), “Segmenting internet banking adopter and non-adopters in the Turkish retail banking sector”, International Journal of Bank Marketing, Vol. 26 No. 4, pp. 212-236.
  • Patsiotis, A. G., Hughes, T. and Webber, D. J. (2012), “Adopters and non-adopters of internet banking: a segmentation study”, International Journal of Bank Marketing, Vol. 30 No. 1, pp. 20-42.
  • Polasik, M. and Wisniewski, T. P. (2009), “Empirical analysis of internet banking adoption in Poland”, International Journal of Bank Marketing, Vol. 27 No. 1, pp.32-52.
  • Polatoglu, V. N. and Ekin, S. (2001), “An empirical investigation of the Turkish consumers’ acceptance of Internet banking services”, International Journal of Bank Marketing, Vol. 19 No. 4, pp. 156-165.
  • Riquelme, H. E. and Rios, R. E. (2010), “The moderating effect of gender in the adoption of mobile banking”, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 328-341.
  • Sathye, M. (1999), “Adoption of Internet banking by Australian consumers: an empirical investigation”, International Journal of Bank Marketing, Vol. 17 No. 7, pp. 324-334.
  • Sayar, C. and Wolfe, S. (2007), “Internet banking market performance: Turkey versus the UK”, International Journal of Bank Marketing, Vol. 25 No. 3, pp. 122-141.
  • Shaikh, A. A. and Karjaluoto, H. (2015), “Mobile banking adoption: A literature review”, Telematics and Informatics, Vol. 32 No. 1, pp. 129-142.
  • Statistical Office of the European Communities (EUROSTAT). (2019). Eurostat Information Society Indicators. Luxembourg: Eurostat. Retrieved (15.01.2019) from: http://appsso.eurostat.ec.europa.eu/nui/submitViewTableAction.do
  • Tan, M. and Teo, T. S. (2000), “Factors influencing the adoption of Internet banking”, Journal of the AIS, Vol. 1 No. 1, 5.
  • Turkish Statistical Institute (TSI). (2016). Information and Communication Technology (ICT) Usage Survey on Households and Individuals, 2016. http://www.tuik.gov.tr/MicroVeri/HBT_2016/english/index.html.
  • Xue, M., Hitt, L. M. and Chen, P. Y. (2011), “Determinants and outcomes of internet banking adoption”, Management Science, Vol. 57, No. 2, pp. 291-307.
  • Yadav, R., Chauhan, V. and Pathak, G. S. (2015), “Intention to adopt internet banking in an emerging economy: a perspective of Indian youth”, International Journal of Bank Marketing, Vol. 33 No. 4, pp. 530-544.
  • Yousafzai, S. and Yani-de-Soriano, M. (2012), “Understanding customer-specific factors underpinning internet banking adoption”, International Journal of Bank Marketing, Vol. 30 No. 1, pp. 60-81.
  • Yuen, Y. Y., Yeow, P. H., Lim, N. and Saylani, N. (2010), “Internet banking adoption: Comparing developed and developing countries”, Journal of Computer Information Systems, Vol. 51 No. 1, pp. 52-61.
  • Zhao, A. L., Koenig-Lewis, N., Hanmer-Lloyd, S. and Ward, P. (2010), “Adoption of internet banking services in China: is it all about trust?”, International Journal of Bank Marketing, Vol. 28 No. 1, pp. 7-26.
Toplam 29 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Bölüm Makaleler
Yazarlar

Tekin Kose 0000-0002-0476-8872

Ece H. Guleryuz 0000-0003-0692-9112

Yayımlanma Tarihi 30 Nisan 2020
Yayımlandığı Sayı Yıl 2020 Cilt: 15 Sayı: 58

Kaynak Göster

APA Kose, T., & Guleryuz, E. H. (2020). Determinants of Internet Banking Adoption in Turkey. Yaşar Üniversitesi E-Dergisi, 15(58), 167-176. https://doi.org/10.19168/jyasar.575476
AMA Kose T, Guleryuz EH. Determinants of Internet Banking Adoption in Turkey. Yaşar Üniversitesi E-Dergisi. Nisan 2020;15(58):167-176. doi:10.19168/jyasar.575476
Chicago Kose, Tekin, ve Ece H. Guleryuz. “Determinants of Internet Banking Adoption in Turkey”. Yaşar Üniversitesi E-Dergisi 15, sy. 58 (Nisan 2020): 167-76. https://doi.org/10.19168/jyasar.575476.
EndNote Kose T, Guleryuz EH (01 Nisan 2020) Determinants of Internet Banking Adoption in Turkey. Yaşar Üniversitesi E-Dergisi 15 58 167–176.
IEEE T. Kose ve E. H. Guleryuz, “Determinants of Internet Banking Adoption in Turkey”, Yaşar Üniversitesi E-Dergisi, c. 15, sy. 58, ss. 167–176, 2020, doi: 10.19168/jyasar.575476.
ISNAD Kose, Tekin - Guleryuz, Ece H. “Determinants of Internet Banking Adoption in Turkey”. Yaşar Üniversitesi E-Dergisi 15/58 (Nisan 2020), 167-176. https://doi.org/10.19168/jyasar.575476.
JAMA Kose T, Guleryuz EH. Determinants of Internet Banking Adoption in Turkey. Yaşar Üniversitesi E-Dergisi. 2020;15:167–176.
MLA Kose, Tekin ve Ece H. Guleryuz. “Determinants of Internet Banking Adoption in Turkey”. Yaşar Üniversitesi E-Dergisi, c. 15, sy. 58, 2020, ss. 167-76, doi:10.19168/jyasar.575476.
Vancouver Kose T, Guleryuz EH. Determinants of Internet Banking Adoption in Turkey. Yaşar Üniversitesi E-Dergisi. 2020;15(58):167-76.