Araştırma Makalesi
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MOBİL BANKACILIK KULLANIMLARININ GENİŞLETİLMİŞ BİRLEŞİK KABUL VE TEKNOLOJİ KULLANIMI TEORİSİ ÇERÇEVESİNDE İNCELENMESİ

Yıl 2022, Cilt: 7 Sayı: 4, 689 - 702, 31.12.2022
https://doi.org/10.29106/fesa.1163390

Öz

Mobil bankacılık kullanımı yıllar içerisinde artış göstermiştir. Bu artış ile birlikte mobil bankacılık kullanım niyetini etkileyen faktörlerin belirlenmesi, mobil bankacılık hizmetleri sunan bankaların kârlılıklarını artırabilmelerine ve rekabet avantajı sağlayabilmelerine katkı sağlaması açısından önemlidir. Bu araştırmanın amacı, üniversite öğrencilerinin mobil bankacılığı kullanım niyetlerini etkileyen faktörleri belirlemektir. Araştırma örneklemi, Bolu Abant İzzet Baysal Üniversitesi, Bolu Meslek Yüksekokulunda öğrenim gören öğrencilerden oluşturmaktadır. Araştırma verileri 5 Mayıs-30 Haziran 2022 tarihleri arasında toplanmıştır. Araştırmada, kolayda örnekleme yöntemi ile 206 öğrenciye anket uygulanmıştır. Araştırma sonucuna göre, öğrencilerin mobil bankacılık kullanımında kolaylaştırıcı koşullar, hedonik motivasyon ve alışkanlık düzeylerinin okudukları bölümlere göre farklılık gösterdiği tespit edilmiştir. Ayrıca kolaylaştırıcı koşullar, hedonik motivasyon ve alışkanlık değişkenlerinin, davranışsal niyet değişkeni üzerinde olumlu bir etkisinin olduğu sonucuna ulaşılmıştır. Bankaların özellikle genç tüketicilerin istek ve ihtiyaçlarını karşılayabilmeleri için mobil bankacılık kullanım niyetlerinin bilinmesi faaliyetlerinin sürdürülebilirliği açısından önem arz etmektedir. Genişletilmiş birleşik kabul ve teknoloji kullanım modelinin üniversite öğrencileri üzerinde etkisi olup olmadığını araştıran çalışmaların sınırlı olduğu görülmekte ve bu çalışma ile elde edilen sonuçların literatüre ve bankacılık sektörüne katkı sağlaması beklenmektedir.

Kaynakça

  • Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002
  • Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44(July 2018), 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
  • Baptista, G., & Oliveira, T. (2015). Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators. Computers in Human Behavior, 50, 418–430. https://doi.org/10.1016/j.chb.2015.04.024
  • Bhatiasevi, V. (2016). An extended UTAUT model to explain the adoption of mobile banking. Information Development, 32(4), 799–814. https://doi.org/10.1177/0266666915570764
  • Brown, S. A., & Venkatesh, V. (2005). Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle. MIS Quarterly, 29(3), 399–426.
  • Chang, C. C. (2013). Library mobile applications in university libraries. Library Hi Tech, 31(3), 478–492. https://doi.org/10.1108/LHT-03-2013-0024
  • Chen, Y. M., Hsu, T. H., & Lu, Y. J. (2018). Impact of flow on mobile shopping intention. Journal of Retailing and Consumer Services, 41, 281–287. https://doi.org/10.1016/j.jretconser.2017.04.004
  • Chopdar, P. K., Korfiatis, N., Sivakumar, V. J., & Lytras, M. D. (2018). Mobile shopping apps adoption and perceived risks: A cross-country perspective utilizing the Unified Theory of Acceptance and Use of Technology. Computers in Human Behavior, 86, 109–128. https://doi.org/10.1016/j.chb.2018.04.017
  • Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
  • Durukal, E. (2020). Müşterilerin Mobil Alışveriş Davranışının Utaut2 Modeli ile İncelenmesi. Gümüşhane Üniversitesi Sosyal Bilimler Enstitüsü Elektronik Dergisi, 11(3), 870–887.
  • Gao, Y., Li, H., & Luo, Y. (2015). An empirical study of wearable technology acceptance in healthcare. Industrial Management and Data Systems, 115(9), 1704–1723. https://doi.org/10.1108/IMDS-03-2015-0087
  • Gupta, A., Dogra, N., & George, B. (2018). What determines tourist adoption of smartphone apps?: An analysis based on the UTAUT-2 framework. Journal of Hospitality and Tourism Technology, 9(1), 50–64. https://doi.org/10.1108/JHTT-02-2017-0013
  • Gupta, B. S. (2013). The Mobile Banking and Payment Revolution. European Financial Review.
  • Gupta, S., & Herman, K. (2012). Bank of America: Mobile Banking. Harvard Business School Publishing.
  • Koo, H. S., & Fallon, K. (2017). Preferences in tracking dimensions for wearable technology. International Journal of Clothing Science and Technology, 29(2), 180–199. https://doi.org/10.1108/IJCST-03-2016-0021
  • Limayem, M., Hirt, S. G., & Cheung, C. M. K. (2007). How Habit Limits the Predictive Power of Intention: The Case of Information Systems Continuance. MIS Quarterly, 31(4), 705–737.
  • Luarn, P., & Lin, H. H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, 21, 873–891. https://doi.org/10.1016/j.chb.2004.03.003
  • Merhi, M., Hone, K., & Tarhini, A. (2019). A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust. Technology in Society, 59(101151), 1–12. https://doi.org/10.1016/j.techsoc.2019.101151
  • Montazemi, A. R., & Qahri-Saremi, H. (2015). Factors affecting adoption of online banking: A meta-analytic structural equation modeling study. Information and Management, 52(2), 210–226. https://doi.org/10.1016/j.im.2014.11.002
  • Morris, M. G., Venkatesh, V., & Ackerman, P. L. (2005). Gender and age differences in employee decisions about new technology: An extension to the theory of planned behavior. IEEE Transactions on Engineering Management, 52(1), 69–84. https://doi.org/10.1109/TEM.2004.839967
  • Owusu Kwateng, K., Osei Atiemo, K. A., & Appiah, C. (2018). Acceptance and use of mobile banking: an application of UTAUT2. Journal of Enterprise Information Management. https://doi.org/10.1108/JEIM-03-2018-0055
  • Palau-Saumell, R., Forgas-Coll, S., Sánchez-García, J., & Robres, E. (2019). User Acceptance of Mobile Apps for Restaurants: An Expanded and Extended UTAUT-2. Sustainability, 11, 1210. https://doi.org/10.3390/su11041210
  • Paulo, M. M., Rita, P., Oliveira, T., & Moro, S. (2018). Understanding mobile augmented reality adoption in a consumer context. Journal of Hospitality and Tourism Technology, 9(2), 142–157. https://doi.org/10.1108/JHTT-01-2017-0006
  • Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.003 Stofega, W., & Llamas, R. T. (2009). Worldwide converged mobile device phone 2009-2013 forecast update. IDC Document, No. 217209.
  • Tabachnick, B. G., & Fidell, L. S. (2007). Using Multivariate Statistics Translated by Anonymous Allyn & Bacon. Pearson Education.
  • Teo, A. C., Tan, G. W. H., Ooi, K. B., Hew, T. S., & Yew, K. T. (2015). The effects of convenience and speed in m-payment. Industrial Management and Data Systems, 115(2), 311–331. https://doi.org/10.1108/IMDS-08-2014-0231
  • Venkatesh, V., James, T. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178.
  • Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478.
  • Verkijika, S. F. (2018). Factors influencing the adoption of mobile commerce applications in Cameroon. Telematics and Informatics, 35, 1665–1674. https://doi.org/10.1016/j.tele.2018.04.012
  • Wong, C. H., Tan, G. W. H., Loke, S. P., & Ooi, K. B. (2014). Mobile TV: A new form of entertainment? Industrial Management and Data Systems, 114(7), 1050–1067. https://doi.org/10.1108/IMDS-05-2014-0146
  • Yang, K. (2010). Determinants of US consumer mobile shopping services adoption: Implications for designing mobile shopping services. Journal of Consumer Marketing, 27(3), 262–270. https://doi.org/10.1108/07363761011038338
  • Yu, C. S. (2012). Factors affecting individuals to adopt mobile banking: Empirical evidence from the utaut model. Journal of Electronic Commerce Research, 13(2), 104–121.
  • Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTAUT to explain mobile banking user adoption. Computers in Human Behavior, 26(4), 760–767. https://doi.org/10.1016/j.chb.2010.01.013
  • https://www.tbb.org.tr/Content/Upload/istatistikiraporlar/ekler/3805/Dijital-Internet Mobil_Bankacilik_Istatistikleri-Mart_2022.pdf, 09.08.2022 tarihinde erişildi.
  • https://www.insiderintelligence.com/insights/mobile-banking-market-trends/, 08.08.2022 tarihinde erişildi.

EXAMINATION OF MOBILE BANKING USES WITHIN THE FRAMEWORK OF EXTENDED COMBINED ACCEPTANCE AND USE OF TECHNOLOGY THEORY

Yıl 2022, Cilt: 7 Sayı: 4, 689 - 702, 31.12.2022
https://doi.org/10.29106/fesa.1163390

Öz

The use of mobile banking has increased over the years. With this increase, determining the factors affecting the mobile banking usage intention is important in terms of contributing to the banks providing mobile banking services to increase their profitability and provide competitive advantage. The aim of this research is to determine the factors affecting the mobile banking usage intentions of university students. The research sample consists of students studying at Bolu Abant İzzet Baysal University, Bolu Vocational School. Research data were collected between 5 May and 30 June 2022. In the research, a questionnaire was applied to 206 students with convenience sampling method. According to the results of the research, it was determined that the facilitating conditions, hedonic motivation and habit levels of the students in the use of mobile banking differ according to the departments they read. In addition, it was concluded that facilitating conditions, hedonic motivation and habit variables had a positive effect on the behavioral intention variable. Knowing the mobile banking usage intentions of banks is important for the sustainability of their activities so that they can meet the demands and needs of especially young consumers. It is seen that the studies investigating whether the extended unified admission and technology use model has an effect on university students are limited and the results obtained from this study are expected to contribute to the literature and the banking sector.

Kaynakça

  • Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002
  • Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44(July 2018), 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
  • Baptista, G., & Oliveira, T. (2015). Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators. Computers in Human Behavior, 50, 418–430. https://doi.org/10.1016/j.chb.2015.04.024
  • Bhatiasevi, V. (2016). An extended UTAUT model to explain the adoption of mobile banking. Information Development, 32(4), 799–814. https://doi.org/10.1177/0266666915570764
  • Brown, S. A., & Venkatesh, V. (2005). Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle. MIS Quarterly, 29(3), 399–426.
  • Chang, C. C. (2013). Library mobile applications in university libraries. Library Hi Tech, 31(3), 478–492. https://doi.org/10.1108/LHT-03-2013-0024
  • Chen, Y. M., Hsu, T. H., & Lu, Y. J. (2018). Impact of flow on mobile shopping intention. Journal of Retailing and Consumer Services, 41, 281–287. https://doi.org/10.1016/j.jretconser.2017.04.004
  • Chopdar, P. K., Korfiatis, N., Sivakumar, V. J., & Lytras, M. D. (2018). Mobile shopping apps adoption and perceived risks: A cross-country perspective utilizing the Unified Theory of Acceptance and Use of Technology. Computers in Human Behavior, 86, 109–128. https://doi.org/10.1016/j.chb.2018.04.017
  • Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
  • Durukal, E. (2020). Müşterilerin Mobil Alışveriş Davranışının Utaut2 Modeli ile İncelenmesi. Gümüşhane Üniversitesi Sosyal Bilimler Enstitüsü Elektronik Dergisi, 11(3), 870–887.
  • Gao, Y., Li, H., & Luo, Y. (2015). An empirical study of wearable technology acceptance in healthcare. Industrial Management and Data Systems, 115(9), 1704–1723. https://doi.org/10.1108/IMDS-03-2015-0087
  • Gupta, A., Dogra, N., & George, B. (2018). What determines tourist adoption of smartphone apps?: An analysis based on the UTAUT-2 framework. Journal of Hospitality and Tourism Technology, 9(1), 50–64. https://doi.org/10.1108/JHTT-02-2017-0013
  • Gupta, B. S. (2013). The Mobile Banking and Payment Revolution. European Financial Review.
  • Gupta, S., & Herman, K. (2012). Bank of America: Mobile Banking. Harvard Business School Publishing.
  • Koo, H. S., & Fallon, K. (2017). Preferences in tracking dimensions for wearable technology. International Journal of Clothing Science and Technology, 29(2), 180–199. https://doi.org/10.1108/IJCST-03-2016-0021
  • Limayem, M., Hirt, S. G., & Cheung, C. M. K. (2007). How Habit Limits the Predictive Power of Intention: The Case of Information Systems Continuance. MIS Quarterly, 31(4), 705–737.
  • Luarn, P., & Lin, H. H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, 21, 873–891. https://doi.org/10.1016/j.chb.2004.03.003
  • Merhi, M., Hone, K., & Tarhini, A. (2019). A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust. Technology in Society, 59(101151), 1–12. https://doi.org/10.1016/j.techsoc.2019.101151
  • Montazemi, A. R., & Qahri-Saremi, H. (2015). Factors affecting adoption of online banking: A meta-analytic structural equation modeling study. Information and Management, 52(2), 210–226. https://doi.org/10.1016/j.im.2014.11.002
  • Morris, M. G., Venkatesh, V., & Ackerman, P. L. (2005). Gender and age differences in employee decisions about new technology: An extension to the theory of planned behavior. IEEE Transactions on Engineering Management, 52(1), 69–84. https://doi.org/10.1109/TEM.2004.839967
  • Owusu Kwateng, K., Osei Atiemo, K. A., & Appiah, C. (2018). Acceptance and use of mobile banking: an application of UTAUT2. Journal of Enterprise Information Management. https://doi.org/10.1108/JEIM-03-2018-0055
  • Palau-Saumell, R., Forgas-Coll, S., Sánchez-García, J., & Robres, E. (2019). User Acceptance of Mobile Apps for Restaurants: An Expanded and Extended UTAUT-2. Sustainability, 11, 1210. https://doi.org/10.3390/su11041210
  • Paulo, M. M., Rita, P., Oliveira, T., & Moro, S. (2018). Understanding mobile augmented reality adoption in a consumer context. Journal of Hospitality and Tourism Technology, 9(2), 142–157. https://doi.org/10.1108/JHTT-01-2017-0006
  • Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. https://doi.org/10.1016/j.tele.2014.05.003 Stofega, W., & Llamas, R. T. (2009). Worldwide converged mobile device phone 2009-2013 forecast update. IDC Document, No. 217209.
  • Tabachnick, B. G., & Fidell, L. S. (2007). Using Multivariate Statistics Translated by Anonymous Allyn & Bacon. Pearson Education.
  • Teo, A. C., Tan, G. W. H., Ooi, K. B., Hew, T. S., & Yew, K. T. (2015). The effects of convenience and speed in m-payment. Industrial Management and Data Systems, 115(2), 311–331. https://doi.org/10.1108/IMDS-08-2014-0231
  • Venkatesh, V., James, T. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178.
  • Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478.
  • Verkijika, S. F. (2018). Factors influencing the adoption of mobile commerce applications in Cameroon. Telematics and Informatics, 35, 1665–1674. https://doi.org/10.1016/j.tele.2018.04.012
  • Wong, C. H., Tan, G. W. H., Loke, S. P., & Ooi, K. B. (2014). Mobile TV: A new form of entertainment? Industrial Management and Data Systems, 114(7), 1050–1067. https://doi.org/10.1108/IMDS-05-2014-0146
  • Yang, K. (2010). Determinants of US consumer mobile shopping services adoption: Implications for designing mobile shopping services. Journal of Consumer Marketing, 27(3), 262–270. https://doi.org/10.1108/07363761011038338
  • Yu, C. S. (2012). Factors affecting individuals to adopt mobile banking: Empirical evidence from the utaut model. Journal of Electronic Commerce Research, 13(2), 104–121.
  • Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTAUT to explain mobile banking user adoption. Computers in Human Behavior, 26(4), 760–767. https://doi.org/10.1016/j.chb.2010.01.013
  • https://www.tbb.org.tr/Content/Upload/istatistikiraporlar/ekler/3805/Dijital-Internet Mobil_Bankacilik_Istatistikleri-Mart_2022.pdf, 09.08.2022 tarihinde erişildi.
  • https://www.insiderintelligence.com/insights/mobile-banking-market-trends/, 08.08.2022 tarihinde erişildi.
Toplam 35 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Finans
Bölüm Araştırma Makaleleri
Yazarlar

Hülya Er 0000-0002-3715-2433

İbrahim Karagöz 0000-0002-9035-3437

Erken Görünüm Tarihi 31 Aralık 2022
Yayımlanma Tarihi 31 Aralık 2022
Gönderilme Tarihi 17 Ağustos 2022
Kabul Tarihi 9 Aralık 2022
Yayımlandığı Sayı Yıl 2022 Cilt: 7 Sayı: 4

Kaynak Göster

APA Er, H., & Karagöz, İ. (2022). MOBİL BANKACILIK KULLANIMLARININ GENİŞLETİLMİŞ BİRLEŞİK KABUL VE TEKNOLOJİ KULLANIMI TEORİSİ ÇERÇEVESİNDE İNCELENMESİ. Finans Ekonomi Ve Sosyal Araştırmalar Dergisi, 7(4), 689-702. https://doi.org/10.29106/fesa.1163390