Dijital Bankacılık Kullanımına Teknoloji Kabulü Temelli Bir Yaklaşım

Teknolojinin önceki yüzyıllara göre çok daha hızlı geliştiği ve yayıldığı günümüz şartlarında, teknolojik araçların, makinelerin, yazılımların ve gelişen imkânların kitleler arasında kullanımı da artış göstermiştir. Dijital bankacılık da bu teknolojik araçlardan birisi olarak kabul edilmektedir. Türkiye’de dijital bankacılık kullanan kişi sayısında son yıllarda kayda değer bir artış gerçekleşmiştir. Bu artışı etkileyen faktörlerin bilinmesi süreci hızlandırabilir. Çalışmada bireysel yenilikçiliğin dijital bankacılık kullanımına etkisi, Teknoloji Kabul Modeli üzerinden araştırılmış ve öngörülen etkiler, dijital bankacılığı aktif olarak kullanan toplam 302 kişiden toplanan verilerle, Yapısal Eşitlik Modellemesi kullanılarak test edilmiştir. Kişilerin bireysel yenilikçilik düzeyinin dijital bankacılık kullanımlarına sırasıyla algılanan kullanım kolaylığı, algılanan kullanışlılık-kullanma niyeti üzerinden dolaylı bir etkisinin olduğu görülmüştür. Yaş, eğitim durumu ve gelir durumu gibi demografik değişkenlerin de bu etkiler üzerinde yönetici etkisi olduğu saptanmıştır. Cinsiyet ise tüm değişkenler üzerinde farklılaştırıcı bir etkiye sahiptir. Bu çalışmanın katkısı, teknolojinin yayılmasında etki eden faktörlerin belirlenmesi olmuştur.

A Technology Acceptance Based Approach To Digital Banking Use

The use of technological tools, machines, software and developing facilities among the masses has increased in the present conditions where technology has developed and spread much faster than previous centuries. Digital banking is also considered as one of these technological tools. There ise a noteworthy increase in the number of people using digital banking in Turkey. Knowing the factors affecting this increase can speed up the process. In this study, the effect of personal innovation on digital banking use was investigated through Technology Acceptance Model and the predicted effects were tested using Structural Equation Modeling with data collected from 302 people who actively use digital banking. Individuals' level of personal innovation has an indirect effect on digital banking usage, perceived ease of use, perceived usefulness and intention to use, respectively. Demographic variables such as age, educational level and income level also had a managing effect on these effects. Gender has a differentiating effect on all variables. The contribution of this study is to determine the factors affecting the spread of technology.

Keywords:

Finance in information systems, technology acceptance model, digital banking, internet banking personal innovativeness,

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