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KUZEY KIBRIS’TA NİJERYALI VE ZİMBABVELİ ÖĞRENCİLERİNİN İNTERNET BANKACILIĞI KULLANIMINDAKİ ENGELLER

Yıl 2018, Cilt: 16 Sayı: 1, 347 - 357, 30.09.2018
https://doi.org/10.11611/yead.449496

Öz

Bu makalenin
amacı Kuzey Kıbrıs’
ta bulunan Nijeryalı ve Zimbabveli üniversite öğrencilerinin
internet bankacılığı servislerini kullanmalarına engel olan faktörleri
araştırmaktır.  Veri toplamak için Kuzey
Kıbrıs’ta özel bir üniversitede bulunan yüz Nijeryalı ve yüz Zimbabveli
öğrenciye anket verilmiştir. Faktör analizi sonuçlarına g
öre Nijeryalı ve Zimbabveli
üniversite öğrencilerinin internet bankacılığı kullanmalarını engelleyen en
önemli faktör internet bankacılığını kullanmayla ilgili hissettikleri
risktir.  Bunu sırasıyla öğrencilerin
geleneksel bankacılık servislerini tercih etmeleri engeli, internet bankacılığı
kullanışlılığıyla ilgili algılamalar engeli, altyapı engeli, devletten
kaynaklanan engeller ve kişisel kapasite engelleri takip etmektedir. Yukarıda
bahsedilen faktörlerin Nijeryalı ve Zimbabveli üniversite öğrencileri arasında
farklılıklarını bulmak için, bağımsız örneklemeler t-testi kullanılmıştır.
Araştırmanın bulguları Zimbabveli ve Nijeryalı öğrenciler arasında geleneksel
bankacılık servislerini tercih etmeleri engeli, altyapı engeli, ve devletten
kaynaklanan engeller bakımından istatistiksel olarak anlamlı bir farklılık olduğunu
göstermektedir.  İlginç olarak,
Zimbabveli ve Nijeryalı öğrencilerin internet bankacılığını kullanmayla ilgili hissettikleri
risk, internet bankacılığı kullanışlılığıyla ilgili algılamalar engeli ve kullanım
engelleri arasında istatistiksel olarak anlamlı bir fark yoktur.

Kaynakça

  • Aderonke, A.A. (2010) “An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria”, Journal of Internet Banking and Commerce, 15(1): 1-13.
  • Agwu, M.E., Atuma, O., Ikpefan, O.A. and Aigbiremolen, M.O. (2014) “Impediments to E-Banking Services Marketing in Developing Economies- A Case Study of Nigerian Banks”, European Journal of Business and Social Sciences, 3 (3): 228-248.
  • Agboola, A.A. (2006) “Electronic Payment Systems and Tele-Banking Services in Nigeria”, Journal of Internet Banking and Commerce, 11(3): 1-7.
  • Agwu, E. (2012) “A Qualitative Study of the Problems and Prospects of Online Banking in Developing Economies- Case of Nigeria”, Journal of Banking and Commerce, 17(3): 1-20.
  • Chinakidzwa, M., Mbengo, P. and Nyatsambo, M. (2015) “Mobile Money in Rural Areas of Zimbabwe-case of Mudzi District”, International Journal of Scientific & Engineering Research, 6(2): 128-132.
  • Chong, A.Y.L., Ooi, K.B., Lin, B. and Tan, B.I (2010) “Online Banking Adoption: an Empirical Analysis”, International Journal of Bank marketing, 28 (4): 267-287.
  • Ezeoha, A.E. (2005a) “Regulating Internet Banking in Nigeria: Problems and Challenges-Part 1”, Journal of Internet Banking and Commerce, 10(3): 1-5.
  • Ezeoha, A.E. (2006) “Regulating Internet Banking in Nigeria: Some Success Prescriptions-Part2”, Journal of Internet Banking and Commerce, 11(1): 1-12.
  • Gerrard, P. Cunningham J.B. and Devlin, J. (2006) “Why Consumers are not Using Internet Banking: A Qualitative Study”, Journal of Services Marketing, 20 (3), 160-168.
  • Hatay, M. (2017, 9 November). Üniversite Sektörü ve Akrikalı Öğrenciler, Havadis, Retrieved from https://www.havadiskibris.com/universite-sektoru-afrikali-ogrenciler/
  • Kaiser, H. (1974), “An Index of Factorial Simplicity”, Psychometrika, 39: 31-36.
  • Kuisma, T., Laukkanen, T. and Hiltunen, M. (2007) “Mapping the Reasons for Resistance to Internet Banking: A Means-End Approach”, International Journal of Information Management, 27 (2): 75-85.
  • Laukkanen, T. and Kiviniemi, V. (2010) “The Role of Information in Mobile Banking Resistance”, International Journal of Bank Marketing, 28 (5): 372-382.
  • Laukkanen, P., Sinkkonen, S. and Laukkanen, T. (2008) “Consumer Resistance to Internet Banking: Postponers, Opponents and Rejectors” The International Journal of Bank Marketing, 26 (6): 440-455.
  • Laukkanen, T., Sinkkonen, S., Kivijarvi, M. and Laukkanen, P. (2007) “Innovaion Resistance Among Mature Consumers”, Journal of Consumer Marketing, 24 (7): 419-427.
  • Nunnally, J C. (1978), Psychometric theory, McGraw Hill, New York.
  • Oluwatayo, I. (2013) “Banking the Unbanked in Rural Southwest Nigeria: Showcasing Mobile Phones as Mobile Banks among Farming Households”, Journal of Internet Banking and Commerce, Internationa”18(1): 65-73.
  • Omotoya, F.F. and Adebayo, A.K. (2015) “Factors Influencing Intention to Adopt Internet Banking by Postgraduate Students of the University of Ibadan, Nigeria”, Journal of Internet Banking and Commerce, 20(3): 1-10.
  • Patsiotis, A.G., Hughes, T. and Webber, D.J. (2013) “An Examination of Consumers’ Resistance to Computer-Based Technologies”, Journal of Services Marketing, 27(4): 294-311.
  • Ram, S. (1989) “Successful Innovation Using Strategies to Reduce Consumer Resistance. An Empirical Test”, Journal of Production Innovation Management, 6 (1), 20-34.
  • Ram, S. and Sheth, J.N. (1989) “Consumer Resistance to Innovations: The Marketing Problem and its Solutions”, The Journal of Consumer Marketing, 6(2): 5-14.
  • Rotchanakitumnuai, S. and Speece, M. (2003) “Barriers to Internet Banking Adoption: a Qualitative Study among Corporate Customers in Thailand”, International Journal of Bank Marketing, 21(6): 312-313.
  • Sandada, M., Simbarashe, N. and Shambuyenhanzva, R. (2016) “Determining the Impact of Selected Success Factors on the Adoption of E-Banking in the Zimbabwean Banking Industry”, Euro Economica, 35(2): 1-17.
  • Sathye, M. (1999) “Adoption of Internet Banking by Australian Consumers: an Empirical Investigation”, International Journal of Bank Marketing, 17(7): 324-334.
  • Thulane, D., Tofara, C. and Langton, R. (2009), “Adoption and Use of Internet Banking in Zimbabwe: An Exploratory Study”, Journal of Internet Banking and Commerce, 14(1): 1-13.
  • White, H. and Nteli, F. (2004), “Internet Banking in the UK: Why are there not more customers?”, Journal of Financial Services Marketing, 9(1): 49-56.

BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS

Yıl 2018, Cilt: 16 Sayı: 1, 347 - 357, 30.09.2018
https://doi.org/10.11611/yead.449496

Öz

The purpose
of this paper is to analyse the factors preventing Nigerian and Zimbabwean
university students from adopting internet banking services in Northern Cyprus.
A survey was conducted to acquire data from one hundred Nigerians and one
hundred Zimbabwean university students attending a private university in
Northern Cyprus.  Factor analysis results
showed that the most important factor linked to the rejection of the usage of
internet banking services among Nigerian and Zimbabwean students were people’s
fears of the risk associated with such services.  This was followed by students’ preferences to
traditional banking practices, value barriers, infrastructure barriers,
government obstacles and usage barriers. 
In order to compare the differences between the aforementioned factors
for Nigerian and Zimbabwean students, independent samples t-tests were
conducted.  The study found that there
was a significant difference between
the Nigerian and Zimbabwean student’s preference for traditional
banking practices, infrastructure and government obstacles.
Interestingly,
there was no significant difference between the Nigerian and Zimbabwean
student’s fears over the risk associated with internet banking, perceptions of
its value and usage barriers.




Kaynakça

  • Aderonke, A.A. (2010) “An Empirical Investigation of the Level of Users’ Acceptance of E-Banking in Nigeria”, Journal of Internet Banking and Commerce, 15(1): 1-13.
  • Agwu, M.E., Atuma, O., Ikpefan, O.A. and Aigbiremolen, M.O. (2014) “Impediments to E-Banking Services Marketing in Developing Economies- A Case Study of Nigerian Banks”, European Journal of Business and Social Sciences, 3 (3): 228-248.
  • Agboola, A.A. (2006) “Electronic Payment Systems and Tele-Banking Services in Nigeria”, Journal of Internet Banking and Commerce, 11(3): 1-7.
  • Agwu, E. (2012) “A Qualitative Study of the Problems and Prospects of Online Banking in Developing Economies- Case of Nigeria”, Journal of Banking and Commerce, 17(3): 1-20.
  • Chinakidzwa, M., Mbengo, P. and Nyatsambo, M. (2015) “Mobile Money in Rural Areas of Zimbabwe-case of Mudzi District”, International Journal of Scientific & Engineering Research, 6(2): 128-132.
  • Chong, A.Y.L., Ooi, K.B., Lin, B. and Tan, B.I (2010) “Online Banking Adoption: an Empirical Analysis”, International Journal of Bank marketing, 28 (4): 267-287.
  • Ezeoha, A.E. (2005a) “Regulating Internet Banking in Nigeria: Problems and Challenges-Part 1”, Journal of Internet Banking and Commerce, 10(3): 1-5.
  • Ezeoha, A.E. (2006) “Regulating Internet Banking in Nigeria: Some Success Prescriptions-Part2”, Journal of Internet Banking and Commerce, 11(1): 1-12.
  • Gerrard, P. Cunningham J.B. and Devlin, J. (2006) “Why Consumers are not Using Internet Banking: A Qualitative Study”, Journal of Services Marketing, 20 (3), 160-168.
  • Hatay, M. (2017, 9 November). Üniversite Sektörü ve Akrikalı Öğrenciler, Havadis, Retrieved from https://www.havadiskibris.com/universite-sektoru-afrikali-ogrenciler/
  • Kaiser, H. (1974), “An Index of Factorial Simplicity”, Psychometrika, 39: 31-36.
  • Kuisma, T., Laukkanen, T. and Hiltunen, M. (2007) “Mapping the Reasons for Resistance to Internet Banking: A Means-End Approach”, International Journal of Information Management, 27 (2): 75-85.
  • Laukkanen, T. and Kiviniemi, V. (2010) “The Role of Information in Mobile Banking Resistance”, International Journal of Bank Marketing, 28 (5): 372-382.
  • Laukkanen, P., Sinkkonen, S. and Laukkanen, T. (2008) “Consumer Resistance to Internet Banking: Postponers, Opponents and Rejectors” The International Journal of Bank Marketing, 26 (6): 440-455.
  • Laukkanen, T., Sinkkonen, S., Kivijarvi, M. and Laukkanen, P. (2007) “Innovaion Resistance Among Mature Consumers”, Journal of Consumer Marketing, 24 (7): 419-427.
  • Nunnally, J C. (1978), Psychometric theory, McGraw Hill, New York.
  • Oluwatayo, I. (2013) “Banking the Unbanked in Rural Southwest Nigeria: Showcasing Mobile Phones as Mobile Banks among Farming Households”, Journal of Internet Banking and Commerce, Internationa”18(1): 65-73.
  • Omotoya, F.F. and Adebayo, A.K. (2015) “Factors Influencing Intention to Adopt Internet Banking by Postgraduate Students of the University of Ibadan, Nigeria”, Journal of Internet Banking and Commerce, 20(3): 1-10.
  • Patsiotis, A.G., Hughes, T. and Webber, D.J. (2013) “An Examination of Consumers’ Resistance to Computer-Based Technologies”, Journal of Services Marketing, 27(4): 294-311.
  • Ram, S. (1989) “Successful Innovation Using Strategies to Reduce Consumer Resistance. An Empirical Test”, Journal of Production Innovation Management, 6 (1), 20-34.
  • Ram, S. and Sheth, J.N. (1989) “Consumer Resistance to Innovations: The Marketing Problem and its Solutions”, The Journal of Consumer Marketing, 6(2): 5-14.
  • Rotchanakitumnuai, S. and Speece, M. (2003) “Barriers to Internet Banking Adoption: a Qualitative Study among Corporate Customers in Thailand”, International Journal of Bank Marketing, 21(6): 312-313.
  • Sandada, M., Simbarashe, N. and Shambuyenhanzva, R. (2016) “Determining the Impact of Selected Success Factors on the Adoption of E-Banking in the Zimbabwean Banking Industry”, Euro Economica, 35(2): 1-17.
  • Sathye, M. (1999) “Adoption of Internet Banking by Australian Consumers: an Empirical Investigation”, International Journal of Bank Marketing, 17(7): 324-334.
  • Thulane, D., Tofara, C. and Langton, R. (2009), “Adoption and Use of Internet Banking in Zimbabwe: An Exploratory Study”, Journal of Internet Banking and Commerce, 14(1): 1-13.
  • White, H. and Nteli, F. (2004), “Internet Banking in the UK: Why are there not more customers?”, Journal of Financial Services Marketing, 9(1): 49-56.
Toplam 26 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Bölüm Makaleler
Yazarlar

Berna Serener 0000-0001-8585-5187

Yayımlanma Tarihi 30 Eylül 2018
Yayımlandığı Sayı Yıl 2018 Cilt: 16 Sayı: 1

Kaynak Göster

APA Serener, B. (2018). BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS. Journal of Management and Economics Research, 16(1), 347-357. https://doi.org/10.11611/yead.449496
AMA Serener B. BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS. Journal of Management and Economics Research. Eylül 2018;16(1):347-357. doi:10.11611/yead.449496
Chicago Serener, Berna. “BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS”. Journal of Management and Economics Research 16, sy. 1 (Eylül 2018): 347-57. https://doi.org/10.11611/yead.449496.
EndNote Serener B (01 Eylül 2018) BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS. Journal of Management and Economics Research 16 1 347–357.
IEEE B. Serener, “BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS”, Journal of Management and Economics Research, c. 16, sy. 1, ss. 347–357, 2018, doi: 10.11611/yead.449496.
ISNAD Serener, Berna. “BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS”. Journal of Management and Economics Research 16/1 (Eylül 2018), 347-357. https://doi.org/10.11611/yead.449496.
JAMA Serener B. BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS. Journal of Management and Economics Research. 2018;16:347–357.
MLA Serener, Berna. “BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS”. Journal of Management and Economics Research, c. 16, sy. 1, 2018, ss. 347-5, doi:10.11611/yead.449496.
Vancouver Serener B. BARRIERS TO THE USE OF INTERNET BANKING AMONG NIGERIAN AND ZIMBABWEAN STUDENTS IN NORTHERN CYPRUS. Journal of Management and Economics Research. 2018;16(1):347-5.