MOBİL BANKACILIK KULLANIM NİYETİNİN İNCELENMESİ (TEKİRDAĞ NAMIK KEMAL ÜNİVERSİTESİ ÖRNEĞİ)

Öz

Teknolojik gelişmeler ve müşteri tercihlerindeki değişikliklerin sonucu olarak artan rekabet, bankaların varlıklarını korumak ve rekabet avantajı elde etmek için yeni stratejiler geliştirmelerine yol açmıştır. Bu durum dolayısıyla günümüz rekabet piyasasında ayakta kalmak isteyen bankaların mobil bankacılık uygulamalarını müşterilerinin hizmetine sunmasına sebep olmuştur. Bu çalışma, Teknoloji Kabul Modeli (TAM) ve Planlı Davranış Teorisi'ni (TPB) temel alarak mobil bankacılığın benimsenmesine ilişkin anlayışımızı genişletmeyi amaçlamaktadır. Bu sebeple araştırma kapsamında birincil veri Tekirdağ Namık Kemal Üniversitesi’nde öğrenim gören lisans öğrencilerinden toplanmıştır. Çevrimiçi anket yöntemiyle nihai olarak 310 veri elde edilmiştir. Veriler frekans analizleri, tanımlayıcı istatistikler, faktör ve güvenilirlik analizleri, korelasyon ve regresyon analizleri ve fark testleri ile incelenmiştir. Bulgular, mobil bankacılık kullanım niyetinin mobil bankacılığa yönelik tutum ile kolaylık ve kullanışlılıktan etkilendiğini göstermiştir. Tutumun en büyük yordayıcısı kolaylık ve kullanışlılıktır. Algılanan risk, algılanan güveni ve kolaylık ve kullanışlılığı olumsuz etkilerken, algılanan güven değişkeni kolaylık ve kullanışlılığı ve tutumu olumlu olarak etkilemektedir. Demografik faktörlere bakıldığında algılanan risk ve algılanan güven değişkenlerinin öğrencilerin yaş grupları, okudukları fakülte ve bölüm, öğrencilerin okulda geçirdikleri yıl ve sınıfları ve öğrencilerin gelir seviyeleri arasında istatistiksel olarak anlamlı bir farklılık gösterdiği ancak kadın ve erkek öğrenciler arasında istatistiksel olarak bir farklılık göstermediği sonucuna ulaşılmıştır.

Anahtar Kelimeler

• Mobil Bankacılık
• Mobil Bankacılık Uygulaması
• Mobil Bankacılık Kullanım Niyeti
• Teknoloji Kabul Modeli
• Planlı Davranış Teorisi

A RESEARCH OF MOBILE BANKING USAGE INTENTION (A CASE OF TEKİRDAĞ NAMIK KEMAL UNIVERSITY)

Abstract

Increasing competition due to technological developments and changes in customer preferences leads banks to develop new strategies to protect their assets and gain a competitive advantage. It has caused banks to survive in today's competitive market to offer mobile banking applications to their customers. This study aims to explore the potential key factors that affect the usage intention of mobile banking applications. For this reason, primary data was collected from undergraduate students studying at Tekirdağ Namık Kemal University. 310 data were finally obtained with the online survey method. The data were analyzed by frequency analysis, descriptive statistics, factor and reliability analysis, correlation and regression analysis and different tests. The findings showed that the intention to use mobile banking was affected by the attitude towards mobile banking and convenience and usefulness. The biggest predictor of attitude is convenience and benefit. While perceived risk negatively affects perceived trust, comfort, and practicality, the sensed trust variable positively affects convenience, usefulness, and attitude. Considering demographic factors, it was concluded that the perceived risk and perceived trust showed a statistically significant difference between the students' age groups, the faculty and department they studied, the years and classes they spent in school, and the income levels of the students, but not statistically significant difference between the male and female students.

Keywords

• Mobile banking
• Mobile banking application
• Intention to use mobile banking
• Technology Acceptance Model
• Theory of Planned Behavior.

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