E-Cüzdan Kullanımını Etkileyen Faktörler: Türkiye'de Bir Araştırma

Yıl 2026, Cilt: 15 Sayı: 1, 250 - 266, 16.01.2026

Şahsene Altınkaya , Ramazan Nacar

https://doi.org/10.33206/mjss.1592943

Öz

Günümüzde hızla dijitalleşen dünyada elektronik cüzdan (e-cüzdan) kavramı, geleneksel fiziksel cüzdanların yerini almaya başlamıştır. Bu teknolojik yenilik, kullanıcıların zaman ve mekân sınırlaması olmaksızın dünyanın farklı bölgelerindeki kişi ve işletmelerden ürün veya hizmet satın alabilmelerine olanak tanımaktadır. Teknolojik yeniliklerin benimsenmesini ve kullanıcılar tarafından kabul edilmesini açıklamak amacıyla bugüne kadar çeşitli teorik modeller geliştirilmiş ve sürekli olarak iyileştirilmiştir. Bu modellerin en yaygın kullanılanlarından biri Teknoloji Kabul Modeli (TAM)’dir. Bu çalışmada, e-cüzdan kullanımına ilişkin kullanıcı deneyimi, algılar ve davranışsal niyetler TAM çerçevesi temelinde incelenmiştir. Araştırmaya toplam 330 gönüllü katılımcı dâhil edilmiştir. Katılımcıların internet ortamında e-cüzdan kullanımına yönelik tutum ve deneyimlerini belirlemek amacıyla yapılandırılmış bir anket uygulanmıştır. Anket formunda algılanan fayda, algılanan kullanım kolaylığı, kullanım niyeti, sistem güvenliği, kültürel uyum, sosyal imaj ve sistem kalitesi gibi değişkenler 5’li Likert tipi ölçekle ölçülmüştür. Elde edilen veriler SPSS 23 programı aracılığıyla analiz edilmiş; bulgular betimleyici istatistikler, normallik testi, faktör ve güvenirlik analizleri ile regresyon analizleri kullanılarak raporlanmıştır.

Anahtar Kelimeler

E-cüzdan , Kullanım Niyeti , Teknoloji Kabul Modeli

Etik Beyan

“E-Cüzdan Kullanımını Etkileyen Faktörler: Türkiye'de Bir Araştırma” başlıklı çalışmanın yazım sürecinde bilimsel, etik ve atıf kurallarına uyulmuş; toplanan veriler üzerinde herhangi bir oynama yapılmamış ve bu çalışma değerlendirilmek üzere başka bir akademik dergiye gönderilmemiştir. Ayrıca araştırmanın yürütülebilmesi için Bursa Teknik Üniversitesi, Fen, Mühendislik ve Sosyal Bilimleri Araştırmaları Etik Kurulu’ndan izin alınmıştır (Tarih: 07/05/2021 ve Karar No: 2021-6-3).

Factors Affecting E-Wallet Usage: A Study in Türkiye

Öz

In today’s increasingly digitalized world, the concept of the electronic wallet (e-wallet) is rapidly replacing the traditional physical wallet. This technological transformation enables consumers to conveniently purchase products and services from any person or store around the world, regardless of time and place. Over the years, many theoretical models have been developed and improved to explain the acceptance and adoption of such innovations, starting with the well-known Technology Acceptance Model (TAM). In this study, user experience and behavioral intentions related to e-wallet usage were examined based on the TAM framework. A total of 330 individuals voluntarily participated in the research. A structured questionnaire was administered to the participants to gather their opinions and experiences regarding the use of e-wallets on the internet. In the survey, items about perceived usefulness, perceived ease of use, intention to use, system security, cultural congruity, social image, and system quality were measured using a 5-point Likert-type scale. The collected data were analyzed through SPSS 23, and the results were reported using descriptive statistics, normality tests, factor analysis, reliability analysis, and regression analysis.

Anahtar Kelimeler

E-wallet , Intention to Use , Technology Acceptance Model

Etik Beyan

"During the writing process of the study titled “Factors Affecting E-Wallet Usage: A Study in Türkiye”, all scientific, ethical, and citation rules were followed. No falsification was performed on the collected data, and this study has not been submitted to any other academic venue for evaluation. Additionally, ethical approval for the research was obtained from the Bursa Technical University Ethics Committee for Research in Science, Engineering, and Social Sciences (Date: 07/05/2021, Decision No: 2021-6-3)

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