Empirical investigation of internet banking usage: The case of Turkey

2014-10-17
Daneshgadeh, Salva
Özkan Yıldırım, Sevgi
This study empirically investigates the factors impacting internet banking (IB) usage by Turkish bank customers. A unique internet banking usage model (IBUM) was developed and validated. The initial proposed model incorporated 10 factors named usefulness, ease of use, control, social influence, compatibility, risk, website features, alliance service, awareness of service and personalization that affect internet banking usage. The initial model was tested against both measurement and structural models. The results of initial model testing indicated that compatibility has the most significant effect on internet banking usage which is then followed by alliance service, usefulness, personalization and ease of use. Consequently, the initial model was modified in order to find the inter-relationships among factors. The final IBUM consists of 7 factors which are able to explain 65% of the variance in internet banking usage. Finally, the results are discussed and suggestions for future researches presented by highlighting the effects of personalization and alliance services.
Conference on ENTERprise Information Systems (CENTERIS) / International Conference on Project MANagement (ProjMAN) / International Conference on Health and Social Care Information Systems and Technologies (HCIST)

Suggestions

An empirical study on early warning systems for banking sector
Boyraz, Mustafa Fatih; Gaygısız Lajunen, Esma; Department of Economics (2012)
Early Warning Systems (EWSs) for banking sectors are used to measure occurrence risks of banking crises, generally observed with a rundown of bank deposits and widespread failures of financial institutions. In countries with a small number of banks, for example Turkey with 48 banks (BDDK, 2011), every bank may be considered to have a systematic importance since the failure of any individual bank may carry a potential threat to lead to a banking crisis. Taking into account this fact the present study focuses...
Analyzing the profit efficiency of the Turkish banking sector after the BRSA restructuring program in 2001: an empirical study using stochastic frontier approach between the years of 2002-2009
Hatunoğlu, Hande; Akbostancı Özkazanç, Elif; Department of Economics (2012)
This thesis analyzes the profit efficiency of the Turkish banking sector after the restructuring program by using Stochastic Frontier Approach. 28 banks are included in the analysis and the data belongs to the period 2002-2009. Profit efficiency scores of 28 banks are estimated by SFA. When the efficiency scores are analyzed according to the ownership status, profit efficiency scores of the state owned banks are found higher than other bank groups. Moreover, according to the asset size, large scale banks’ p...
Audit market structure, factors affecting audit fees and audit efforts in Turkey
Ulusoy Tokgöz, Sibel; Oran, Adil; Muğan, Fatma Naciye Can; Department of Business Administration (2015)
This study explains the regulatory and competition structure of the audit market in Turkey by exploring types of audit firm, auditor changes and concentration levels in the audit market. The best way to analyse a market structure isto examine through a focus on fee and effort determinants. The association of audit fee and audit effort proxies with various independent variables generally employed in the literature are assessed, taking into account specificfeatures of the Turkish market. The results of teh st...
Empirical investigation of Internet banking usage in Turkey
Daneshgadeh, Salva; Özkan Yıldırım, Sevgi; Department of Information Systems (2013)
With the fast development of Information and Communication Technologies (ICT), internet banking has become more popular worldwide. This study empirically investigates the factors impact internet banking usage by Turkish bank customers. A unique Internet Banking Usage Model (IBUM) was developed in this study. The proposed model incorporated 10 factors named usefulness, ease of use, compatibility, control, social influence, risk, website features, alliance service, awareness of service and customization/perso...
An Analysis of Efficiency and Profitability in the Turkish Banking System
Danışoğlu, Seza (null; 2011-01-09)
Since the mid-1990s, a number of studies have been conducted that analyze the profitability and cost structure of Turkish banks by using different research methodologies. Due to the advances in modeling techniques during the 2000s, it is now possible to address the same issues in a more detailed and rigorous manner. The main objective of this study is to conduct an analysis of profitability and cost in the Turkish banking sector by using data between 1960 and 2009. The particular data set that is to be used...
Citation Formats
S. Daneshgadeh and S. Özkan Yıldırım, “Empirical investigation of internet banking usage: The case of Turkey,” Troia, PORTUGAL, 2014, vol. 16, Accessed: 00, 2020. [Online]. Available: https://hdl.handle.net/11511/30939.