MOBİL BANKACILIK UYGULAMALARININ BENİMSENMESİNE YÖNELİK DAVRANIŞSAL NİYETLERİ ETKİLEYEN FAKTÖRLER ÜZERİNE BİR ARAŞTIRMA
A STUDY ON DETERMINING BEHAVIORAL FACTORS INFLUENCINGINTENTIONS TOWARDSMOBILE BANKING APPLICATIONS’ ACCEPTANCE

Summary/Abstract: Aim:This study aims to determine the factors that would affect the adoption of mobile banking applications in Turkey,where the mobile banking application has a high adoption rate. In this content, survey data collection method has been used to collect data from the respondents who are mobile banking user.Method: The methodology of this research is constructed as a quantitative analysis. Sentences, belonging to the variables by designed research model by Likert-type 5 point scales, are given by the survey form to the respondents. After incomplete or contradictory surveys are eliminated, 280 usable surveys have be enretained. Findings: In this study, it is found that “performance expectation”, “facilitating conditions”, “personal innovativeness” and “trust” variables significantly influence behavioral intentions of respondents’adoption of mobile banking applications. The behavioral intention, however,is not affected by effort expectation and social influence.Results:The most important factors influencing respondents’ adoption of mobile banking applications are(1) Making efficient and fast processing of financial transaction by mobile banking application, (2) having necessary knowledge and resources to use the application, (3) willingness to try new technologies and(4) the trust to mobile banking.

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