KaydedilenlerDerginizi ekleyin

Dergiler / Journal of Mehmet Akif Ersoy University Economics and Administrative Sciences Faculty / 2026 / Volume: 11 Issue: 1

Extending Technology Acceptance Model (TAM) to Investigate the Factors Affecting the Behavioral Intention of Internet Banking in Turkey

Görkem Erdoğan(ANKARA BİLİM ÜNİVERSİTESİ)0000-0002-2417-2718
Sayfa
—
Yayın Tarihi
2024-03-31
🏛️Bu makalenin bibliyografik verileri ve tam metin bağlantısı DergiPark üzerinden sağlanmıştır.
DergiPark Kaydı ↗
✨

Yapay Zeka Hızlı Bakış & Çıkarımlar

AI Insight
⚡ TL;DR(1 Cümlede Hızlı Çıkarım)

Finally, PEA, PUS and satisfaction are the main determinants of behavioral intention in I-BNKNG.

📌 3 Maddede Bu Makale

🎯
Amaç & Hipotez:The purpose of this study is to investigate the factors affecting the behavioral intention of internet banking (I-BNKNG) in Turkey.
📊
Temel Bulgular & Veri:The data obtained from 441 I-BNKNG users by the survey method are analyzed with the structural equation model.
💡
Sonuç & Katkı:Finally, PEA, PUS and satisfaction are the main determinants of behavioral intention in I-BNKNG.
🔬Tür:Uygulamalı Anket & Alan Araştırması
📍Kapsam:Genişletilmiş Akademik Örneklem
⚙️Değişkenler:Technology Acceptance Model · Internet Banking · Behavioral Intention

Abstract

The purpose of this study is to investigate the factors affecting the behavioral intention of internet banking (I-BNKNG) in Turkey. In this study, users' adoption of I-BNKNG will be examined with Technology Acceptance Model and newly added variables. The data obtained from 441 I-BNKNG users by the survey method are analyzed with the structural equation model. According to the results of the study, perceived credibility, self-efficacy and compatibility affect perceived ease of use (PEA) and perceived usefulness (PUS). In addition, the study reveals both the relationship between PEA and PUS and the result that PEA and PUS impacts satisfaction. Finally, PEA, PUS and satisfaction are the main determinants of behavioral intention in I-BNKNG.

🔖

Bu Makaleye Atıf Yap

Erdoğan, G. (2024). Extending Technology Acceptance Model (TAM) to Investigate the Factors Affecting the Behavioral Intention of Internet Banking in Turkey. Journal of Mehmet Akif Ersoy University Economics and Administrative Sciences Faculty, Volume: 11 Issue: 1. https://doi.org/10.30798/makuiibf.1218925

📄 Tam Metin PDF Okuyucu

📄

PDF görüntüleyici hazırlanıyor...

Kaynakça (71)

  1. Abd Ghani, M., Rahi, S., Yasin, N. M., & Alnaser, F. M. (2017). Adoption of internet banking: extending the role of technology acceptance model (TAM) with e-customer service and customer satisfaction. World Applied Sciences Journal, 35(9), 1918-1929.
  2. AbuShanab, E., Pearson, M., & Setterstrom, A.J. (2010) Internet banking and customers’ acceptance in Jordan: The unified model’s perspective. Communications of the Association for Information Systems, 26(1), 493–524.
  3. 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.
  4. Agrebi, S., & Jallais, J. (2015). Explain the intention to use smartphones for mobile shopping. Journal of Retailing and Consumer Services, 22, 16-23. http://dx.doi.org/10.1016/j.jretconser.2014.09.003
  5. Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., Lal, B., & Williams, M. D. (2015). Consumer adoption of Internet banking in Jordan: Examining the role of hedonic motivation, habit, self-efficacy and trust. Journal of Financial Services Marketing, 20(2), 145-157. http://dx.doi.org/10.1057/fsm.2015.5
  6. AlKailani, M. (2016). Factors affecting the adoption of internet banking in Jordan: An extended TAM Model. Journal of Marketing Development & Competitiveness, 10(1), 39.
  7. Anderson, J. C., & Gerbing, D. W. (1988). Structural equation modeling in practice: A review and recommended two-step approach. Psychological Bulletin, 103(3), 411. http://dx.doi.org/10.1037/0033-2909.103.3.411
  8. Ariff, M. S. M., Min, Y. S., Zakuan, N., Ishak, N., & Ismail, K. (2013). The impact of computer self efficacy and technology acceptance model on behavioral intention in internet banking system. Review of Integrative Business and Economics Research, 2(2), 587.
  9. Ariff, M. S. M., Yeow, S. M., Zakuan, N., Jusoh, A., & Bahari, A. Z. (2012). The effects of computer self-efficacy and technology acceptance model on behavioral intention in internet banking systems. Procedia-Social and Behavioral Sciences, 57, 448-452. http://dx.doi.org/10.1016/j.sbspro.2012.09.1210
  10. Bandura, A. (1986) Social foundations of thought and action: A social cognitive theory. Englewood Cliffs, NJ: Prentice Hall.
  11. Bashir, I., & Madhavaiah, C. (2014). Determinants of young consumers’ intention to use internet banking services in India. Vision, 18(3), 153–163. http://dx.doi.org/10.1177/0972262914538369
  12. Bhattacherjee, A. (2001). An empirical analysis of the antecedents of electronic commerce service continuance. Decision Support Systems, 32(2), 201-214. http://dx.doi.org/10.1016/S0167-9236(01)00111-7
  13. Boateng, H., Adam, D. R., Okoe, A. F., & Anning-Dorson, T. (2016). Assessing the determinants of internet banking adoption intentions: A social cognitive theory perspective. Computers in Human Behavior, 65, 468-478. http://dx.doi.org/10.1016/j.chb.2016.09.017
  14. Bukhari, S. M. F., Ghoneim, A., Dennis, C., & Jamjoom, B. (2013). The antecedents of travellers’e-satisfaction and intention to buy airline tickets online: A conceptual model. Journal of Enterprise Information Management, 26(6), 624-641.
  15. Celik, H. (2008). What determines Turkish customers' acceptance of internet banking?. International Journal of Bank Marketing, 26(5), 353-370.
  16. Chen, L., Gillenson, M., & Sherrell, D. (2002). Enticing online consumers: an extended technology acceptance perspective. Information & Management, 39(8), 705-719. http://dx.doi.org/10.1016/S0378-7206(01)00127-6
  17. Cheng, T. E., Lam, D. Y., & Yeung, A. C. (2006). Adoption of internet banking: an empirical study in Hong Kong. Decision Support Systems, 42(3), 1558-1572. http://dx.doi.org/10.1016/j.dss.2006.01.002
  18. Compeau, D. R., & Higgins, C. A. (1995). Computer self-efficacy: Development of a measure and initial test. MIS Quarterly, 19(2), 189-211. http://dx.doi.org/10.2307/249688
  19. Compeau, D., Higgins, C. A., & Huff, S. (1999). Social cognitive theory and individual reactions to computing technology: A longitudinal study. MIS Quarterly, 23(2), 145-158. http://dx.doi.org/10.2307/249749
  20. Crosby, L. A., Evans, K. R., & Cowles, D. (1990). Relationship quality in services selling: an interpersonal influence perspective. Journal of Marketing, 54(3), 68-81. http://dx.doi.org/10.1177/002224299005400306
  21. Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340. http://dx.doi.org/10.2307/249008
  22. Doney, P. M., & Cannon, J. P. (1997). An examination of the nature of trust in buyer–seller relationships. Journal of Marketing, 61(2), 35-51. http://dx.doi.org/10.1177/002224299706100203
  23. Fayad, R., & Paper, D. (2015). The technology acceptance model e-commerce extension: a conceptual framework. Procedia Economics and Finance, 26, 1000-1006. http://dx.doi.org/10.1016/S2212-5671(15)00922-3
  24. Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: an introduction to theory and research. Addison Wesley.
  25. Fornell, C., & Larcker, D.F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39-50. http://dx.doi.org/10.1177/002224378101800104
  26. Ganesan, S. (1994). Determinants of long-term orientation in buyer-seller relationships. Journal of Marketing, 58(2), 1-19. http://dx.doi.org/10.1177/002224299405800201
  27. Gefen, D. (2002). Reflections on the dimensions of trust and trustworthiness among online consumers. ACM SIGMIS Database: the DATABASE for Advances in Information Systems, 33(3), 38-53. http://dx.doi.org/10.1145/569905.569910
  28. George, A., & Kumar, G. G. (2013). Antecedents of customer satisfaction in internet banking: Technology acceptance model (TAM) redefined. Global Business Review, 14(4), 627-638. http://dx.doi.org/10.1177/0972150913501602
  29. Giovanis, A. N., Binioris, S., & Polychronopoulos, G. (2012). An extension of TAM model with IDT and security/privacy risk in the adoption of internet banking services in Greece. EuroMed Journal of Business, 7(1), 24-53. http://dx.doi.org/10.1108/14502191211225365
  30. Hair, J.F., Black, W.C., Babin, B., Anderson, R.E., & Tatham, R.L. (2010). Multivariate Data Analysis, Prentice Hall, Upper Saddle River, NJ.
  31. Hanafizadeh, P., Behboudi, M., Koshksaray, A. A., & Tabar, M. J. S. (2014). Mobile-banking adoption by Iranian bank clients. Telematics and Informatics, 31(1), 62-78. http://dx.doi.org/10.1016/j.tele.2012.11.001
  32. Hernandez, J. M. C., & Mazzon, J. A. (2007). Adoption of internet banking: proposition and implementation of an integrated methodology approach. International Journal of Bank Marketing, 25(2), 72-88.
  33. Hussain Chandio, F., Irani, Z., Abbasi, M. S., & Nizamani, H. A. (2013). Acceptance of online banking information systems: an empirical case in a developing economy. Behaviour & Information Technology, 32(7), 668-680. http://dx.doi.org/10.1080/0144929X.2013.806593
  34. Kaur, A., & Malik, G. (2019). Examining factors influencing Indian customers’ intentions and adoption of Internet banking: Extending TAM with electronic service quality. Innovative Marketing, 15(2), 42. http://dx.doi.org/10.21511/im.15(2).2019.04
  35. Kline, R. B. (2011). Principles and practice of structural equation modeling (3rd ed.). Guilford.
  36. Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130-141. http://dx.doi.org/10.1016/j.elerap.2008.11.006
  37. Lin, F. T., Wu, H. Y., & Tran, T. N. N. (2015). Internet banking adoption in a developing country: an empirical study in Vietnam. Information Systems and e-Business Management, 13(2), 267-287. http://dx.doi.org/10.1007/s10257-014-0268-x
  38. Ling, G. M., Fern, Y. S., Boon, L. K., & Huat, T. S. (2016). Understanding customer satisfaction of internet banking: A case study in Malacca. Procedia Economics and Finance, 37, 80-85. http://dx.doi.org/10.1016/S2212-5671(16)30096-X
  39. Mansour, K. B. (2016). An analysis of business’ acceptance of internet banking: an integration of e-trust to the TAM. Journal of Business & Industrial Marketing, 31(8), 982-994. http://dx.doi.org/10.1108/JBIM-10-2016-271
  40. Marakarkandy, B., Yajnik, N., & Dasgupta, C. (2017). Enabling internet banking adoption: An empirical examination with an augmented technology acceptance model (TAM). Journal of Enterprise Information Management, 30(2), 263-294. http://dx.doi.org/10.1108/JEIM-10-2015-0094
  41. McFarland, D. J., & Hamilton, D. (2006). Adding contextual specificity to the technology acceptance model. Computers in Human Behavior, 22(3), 427-447. http://dx.doi.org/10.1016/j.chb.2004.09.009
  42. Mohammadi, H. (2015), A study of mobile banking usage in Iran. International Journal of Bank Marketing, 33(6), 733-759.
  43. Moore, G. C., & Benbasat, I. (1991). Development of an instrument to measure the perceptions of adopting an information technology innovation. Information Systems Research, 2(3), 192-222. http://dx.doi.org/10.1287/isre.2.3.192
  44. Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2017). Understanding the intention to use mobile shopping applications and its influence on price sensitivity. Journal of Retailing and Consumer Services, 37, 8-22. http://dx.doi.org/10.1016/j.jretconser.2017.02.010
  45. Nunnally, J.C. (1978). Psychometric Theory. McGraw-Hill, New York, NY.
  46. Oh, S., Ahn, J., & Kim, B. (2003). Adoption of broadband Internet in Korea: the role of experience in building attitudes. Journal of Information Technology, 18(4), 267-280. http://dx.doi.org/10.1080/0268396032000150807
  47. Patel, K. J., & Patel, H. J. (2018). Adoption of internet banking services in Gujarat: An extension of TAM with perceived security and social influence. International Journal of Bank Marketing, 36(1), 147-169. http://dx.doi.org/10.1108/IJBM-08-2016-0104
  48. Pikkarainen, T., Pikkarainen, K., Karjaluoto, H., & Pahnila, S. (2004). Consumer acceptance of online banking: an extension of the technology acceptance model. Internet Research, 14(3), 224-235. http://dx.doi.org/10.1108/10662240410542652
  49. Pires, P. J., Costa Filho, B. A. D., & Cunha, J. C. D. (2011). Technology readiness index (TRI) factors as differentiating elements between users and non-users of internet banking, and as antecedents of the technology acceptance model (TAM). Communications in Computer and Information Science, 220, 215–229.
  50. Raza, S. A., Jawaid, S. T., & Hassan, A. (2015). Internet banking and customer satisfaction in Pakistan. Qualitative Research in Financial Markets, 7(1), 24-36. http://dx.doi.org/10.1108/QRFM-09-2013-0027
  51. Rogers, E. M. (1995). Diffusion of Innovations (4th ed.). New York: The Free Press.
  52. Salloum, S. A., & Al-Emran, M. (2018). Factors affecting the adoption of E-payment systems by university students: Extending the TAM with trust. International Journal of Electronic Business, 14(4), 371-390. http://dx.doi.org/10.1504/IJEB.2018.098130
  53. Samar, S., Ghani, M., & Alnaser, F. (2017). Predicting customer’s intentions to use internet banking: the role of technology acceptance model (TAM) in e-banking. Management Science Letters, 7(11), 513-524.
  54. Santouridis, I., & Kyritsi, M. (2014). Investigating the determinants of internet banking adoption in Greece. Procedia Economics and Finance, 9, 501-510.
  55. Sentosa, I., Bambang, B. S., Ming, C. W. M. C. W., & Kamaria, N. K. N. M. (2012). A structural equation modeling of internet banking usage in Malaysia. Journal of Art Science & Commerce, 3(1), 75-86.
  56. Singh, S. (2019). Measuring E-service quality and customer satisfaction with internet banking in India. Theoretical Economics Letters, 9(02), 308. http://dx.doi.org/10.4236/tel.2019.92023
  57. Statista, (2022). Number of active online banking users worldwide in 2020 with forecasts from 2021 to 2024, by region. https://www.statista.com/statistics/1228757/online-banking-users-worldwide/
  58. Tan, M., & Teo, T. S. (2000). Factors influencing the adoption of Internet banking. Journal of the Association for information Systems, 1(1), 5.
  59. TBB, (2021). Digital, internet and mobile banking statistics. https://www.tbb.org.tr/Content/Upload/istatistikiraporlar/ekler/1198/Digital-Internet- Mobile_Banking_Statistics-December_2020.pdf
  60. The World Bank, (2020). Individuals using the internet (% of population). https://data.worldbank.org/indicator/IT.NET.USER.ZS
  61. TUIK, (2021). Survey on Information and Communication Technology (ICT) Usage in Households and by Individuals, 2021. https://data.tuik.gov.tr/Bulten/Index?p=Survey-on-Information-and-Communication-Technology-(ICT)-Usage-in-Households-and-by-Individuals-2021-37437&dil=2
  62. Venkatesh, V. (1999). Creation of favorable user perceptions: Exploring the role of intrinsic motivation. MIS Quarterly, 23(2), 239-260. http://dx.doi.org/10.2307/249753
  63. Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186-204. http://dx.doi.org/10.1287/mnsc.46.2.186.11926
  64. 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. http://dx.doi.org/10.2307/30036540
  65. Wang, Y. D., & Emurian, H. H. (2005). An overview of online trust: Concepts, elements, and implications. Computers in Human Behavior, 21(1), 105-125.
  66. Wang, Y. S., Wang, Y. M., Lin, H. H., & Tang, T. I. (2003). Determinants of user acceptance of Internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501-519. http://dx.doi.org/10.1108/09564230310500192
  67. Wessels, L., & Drennan, J. (2010). An investigation of consumer acceptance of M‐banking. International Journal of Bank Marketing, 28(7), 547-568.
  68. Xue, M., Hitt, L. M., & Chen, P. Y. (2011). Determinants and outcomes of internet banking adoption. Management Science, 57(2), 291-307.
  69. Yaghoubi, N. M., & Bahmani, E. (2010). Factors affecting the adoption of online banking: An integration of technology acceptance model and theory of planned behavior. International Journal of Business and Management, 5(9), 159-165. http://dx.doi.org/10.5539/ijbm.v5n9p159
  70. Yazıcıoğlu, Y., & Erdoğan, S. (2004). SPSS Uygulamalı Bilimsel Araştırma Yöntemleri. Detay Yayıncılık.
  71. Yuan, S., Liu, Y., Yao, R., & Liu, J. (2016). An investigation of users’ continuance intention towards mobile banking in China. Information Development, 32(1), 20-34. http://dx.doi.org/10.1177/0266666914522140