A RESEARCH ON THE FACTORS AFFECTING THE INTENTION TO USE DIGITAL BANKING

Yıl 2020, Cilt: 2 Sayı: 2, 69 - 85, 23.01.2021

Mustafa Kaplan Cahide İrem Korkmaz

Öz

The main purpose of this study is to examine the factors that affect the bank customers' intention to use digital banking and to make an assessment based on the findings. For this purpose, the effects of perceived usefulness, perceived trust and perceived benefit on the intention to use digital banking were investigated. Data of this study were collected online from 225 people via structured questionnaires. The obtained data were analyzed and reported by SPSS and Smart PLS package programs. As a result of these analyzes; it is determined that the perceived usefulness, perceived trust and perceived benefit variables have a significant effect on intention to use digital banking.

Anahtar Kelimeler

Digital Banking, Percieved Benefit, Percieved Usefulness, Percieved Trust, Intention to Use Digital Banking

DİJİTAL BANKACILIK KULLANIM NİYETİNE ETKİ EDEN FAKTÖRLER ÜZERİNE BİR ARAŞTIRMA

Öz

Bu araştırmanın temel amacı, banka müşterilerinin dijital bankacılık kullanım niyetine etki eden faktörleri incelemek ve elde edilen bulgulara dayanarak değerlendirme yapmaktır. Bu amaç doğrultusunda algılanan kullanışlılık, algılanan güven ve algılanan fayda değişkenlerinin dijital bankacılık kullanım niyeti üzerindeki etkisi araştırılmıştır. Araştırmanın verileri yapılandırılmış anket formu vasıtasıyla toplamda 225 online olarak toplanmıştır. Elde edilen bu verilerin SPSS ve Smart PLS paket programları ile analizleri gerçekleştirilmiş ve raporlanmıştır. Yapılan analizler sonucunda; algılanan kullanışlılık, algılanan güven ve algılanan fayda değişkenlerinin dijital bankacılık kullanım niyeti üzerinde anlamlı bir etkisinin olduğu tespit edilmiştir.

Anahtar Kelimeler

Dijital Bankacılık, Algılanan Fayda, Algılanan Kullanışlılık, Algılanan Güven, Dijital Bankacılık Kullanma Niyeti

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• İnternet Kaynakları: https://www.tbb.org.tr/tr/bankacilik/banka-ve-sektor-bilgileri/istatistiki-raporlar/59, erişim tarihi: 14.12.2020