DETERMINANTS OF CONTACTLESS CREDIT CARDS ACCEPTANCE IN TURKEY

Özet

The purpose of the study is to provide an insight into the determinants of individuals’contactless credit cards acceptance. We developed a theoretical model based on theTechnology Acceptance Model TAM with added constructs perceived risk and perceivedplayfulness empirically, and tested its ability in predicting individuals’ behavioral intentionto use contactless credit cards. We designed a survey and obtained 695 usable responses. Weanalyzed the data using Structured Equation Modeling SEM to evaluate the strength of thecausal relationships. The results indicate that perceived ease of use has a direct and perceivedusefulness has an indirect effect on the acceptance of contactless credit cards. Also perceivedrisk and perceived playfulness have an effect but it is insignificant.

Abstract

The purpose of the study is to provide an insight into the determinants of individuals’ contactless credit cards acceptance. We developed a theoretical model based on the Technology Acceptance Model TAM with added constructs perceived risk and perceived playfulness empirically, and tested its ability in predicting individuals’ behavioral intention to use contactless credit cards. We designed a survey and obtained 695 usable responses. We analyzed the data using Structured Equation Modeling SEM to evaluate the strength of the causal relationships. The results indicate that perceived ease of use has a direct and perceived usefulness has an indirect effect on the acceptance of contactless credit cards. Also perceived risk and perceived playfulness have an effect but it is insignificant

Anahtar kelimeler: Teknoloji Kabul Modeli, Temassız Kredi Kartı, Yapısal Eşitlik Modeli, Türkiye