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Journals / Gazi Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi / 2017 / Cilt: 19 - Sayı: 3

Mobil Ödeme Uygulamasının Risklerini Almaya Hazır mısınız? Erken Benimseyen ve Son Benimseyen Tüketicilerin Karşılaştırması

Are You Ready To Take The Risks Of Mobile Payment App? Early Adopters Vs Laggards

Ayşegül SAĞKAYA GÜNGÖR
Pages
952–974
Publication Date
2022-10-18
DOI
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

Additionally, their attitude toward the app use and their intention to use the mobile payment apps are dependent on different factors for early adopters and laggards

📌 3 Key Takeaways

🎯
Objective & Hypothesis:Mobile payment apps are rather a new, but a quickly developing technology which newly takes attention of the academicians and practitioners.
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Key Findings & Data:The model is empirically tested by structural equation modeling with a dataset of 133 early adopters and 105 laggards.
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Conclusion & Impact:Additionally, their attitude toward the app use and their intention to use the mobile payment apps are dependent on different factors for early adopters and laggards
🔬Design:Modeling & Simulation
📍Scope:Comprehensive Sample
⚙️Variables:Domain Parameters

Abstract

Mobile payment apps are rather a new, but a quickly developing technology which newly takes attention of the academicians and practitioners. In order for them to be accepted by the masses, first of all, risks that are related to the use of technology should be understood. This study is an attempt to understand the related risks with the mobile payment apps while differentiating between early adopters and laggards. To do this, a research model that reflects the three risk factors, namely financial, privacy and security risk, are developed on the technology acceptance model (TAM). The model is empirically tested by structural equation modeling with a dataset of 133 early adopters and 105 laggards. The results imply that there are different perceptions of risks of early adopters and laggards in m-payment app use. Additionally, their attitude toward the app use and their intention to use the mobile payment apps are dependent on different factors for early adopters and laggards

Özet

Mobil ödeme uygulamaları oldukça yeni, ancak hızla gelişen bir teknoloji olarak akademisyenlerin ve uygulayıcıların yeni yeni dikkatini çekmektedir. Kitleler tarafından kabul edilebilmesi için öncelikle mobil ödeme uygulama teknolojisinin kullanımı ile ilgili risklerin anlaşılması gerekmektedir. Bu çalışma, mobil ödeme uygulamalarıyla ilgili tüketicilerin algıladığı riskleri anlamaya çalışırken, aynı zamanda yeniliklerin adaptasyonu eğrisindeki erken benimseyenler ve son benimseyenler arasındaki farkları da araştırmaya yönelik bir girişimdir. Bu amaçlara ulaşmak için, teknoloji kabul modeli (TAM) üzerinde üç risk faktörünü, yani finansal risk, gizlilik riski ve güvenlik riski, yansıtan bir araştırma modeli geliştirilmiştir. Oluşturulan model yapısal eşitlik modellemesi kullanılarak, 133 erken benimseyen ve 105 geç benimseyen tüketicilerden oluşan bir veri kümesiyle ampirik olarak test edilmiştir. Sonuçlar, mobil ödeme uygulamalarını kullanmak konusunda erken benimseyen tüketicilerin ve geç benimseyen tüketicilerin farklı risk algılamaları olduğunu ortaya koymaktadır. Bu sonuca ek olarak, mobil ödeme uygulamalarını kullanımına yönelik tutumları ve kullanma niyetleri, erken benimseyen tüketiciler ve geç benimseyen tüketiciler için farklı faktörlerden etkilenmektedir

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Cite This Article

GÜNGÖR, A. S. (2022). Mobil Ödeme Uygulamasının Risklerini Almaya Hazır mısınız? Erken Benimseyen ve Son Benimseyen Tüketicilerin Karşılaştırması. Gazi Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, Cilt: 19 - Sayı: 3, 952–974. https://ajindex.com/articles/522892

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