The effect of socio-economic and demographic factors of Turkish provincies on the number of active customers using internet banking
Keywords:
e-Banking, Internet Banking, Online Banking, TurkeyAbstract
Despite the recent improvements in Internet Banking or Online Banking, there are still some constraints, mainly security related issues and some other factors, which contribute to the hesitations of individuals’ Internet Banking adoption. Instead of widely used behaviorist models our study utilizes panel data and explores why Internet Banking is very common in some Turkish provinces but not in the others. To investigate the relationship among the data we employed correlation statistics and to study the differences better in Internet Banking adoption among the provinces we used Mann-Whitney U non-parametric statistical analyses.
Downloads
Metrics
References
Adapa, S. (2011). Global E-Banking Trends: Evolution, Challenges and Opportunities. In Mohammad Ali Sarlak and Asghar Abolhasani Hastiani (Eds), E-Banking and Emerging Multidisciplinary Processes: Social, Economical and Organizational Models (pp. 1-16)
Akhlaq, M.A. ve Shah, A. (2011). Internet Banking in Pakistan: Finding Complexities. Journal of Internet Banking and Commerce, 16(1). Retrieved from http://www.arraydev.com/commerce/ jibc/2011-04/Akhlaq.pdf.
Akman, I., Yazici, A., Mishra, A. & Arifoglu, A. (2005). E-Government: A Global View and an
Empirical Evaluation of Some Attributes of Citizens. Government Information Quarterly, 22, 239-257. Retreived from http://dx.doi.org/10.1016/j.giq.2004.12.001.
AL-Majali, M. Ve Mat, N.K.N. (2011). Modeling the Antecedents of İnternet Banking Service Adoption (IBSA) in Jordan: A Structural Equation Modeling (SEM) Approach. Journal of Internet Banking and Commerce, 16(1). Retrieved from http://www.arraydev.com/ commerce/jibc/.
Altan, M. ve Karasioğlu, F. (2004). Internet Bankacılığının Toplum Katmanlarınca Kullanımı Üzerine Bir Araştırma. 3. Ulusal Bilgi, Ekonomi ve Yönetim Kongresi Bildiri Kitabı (ss. 25 – 26).
Atay, E. (2008). Macroeconomic Determinants Of Radical Innovations and Internet Banking in Europe. Annales Universitatis Apulensis Series Oeconomica, 2(10), p.4. Retreived from http://oeconomica.uab.ro/upload/lucrari/ 1020082/4.pdf.
Biswas, S., Taleb, A. ve Shinwary, S.S. (2011). Electronic Banking in Bangladesh: Security Issues, Forms, Opportunities and Challenges. Canadian Journal on Scientific and Industrial Research, 2(5). Retreievd from http://www.ampublisher.com/May%202011/SIR-1104-015-Electronic-Banking-in-Bangladesh.pdf.
Boyacıoğlu, M.A., Hotamış, T.N. ve Çetin, H. (2010). An Evaluation of Internet Banking in Turkey. Journal of Internet Banking and Commerce, 15(2). Retreived from http://www.arraydev.com/ commerce/jibc/.
BTİ (2011). Bilgi toplumu İstatistikleri. Devlet Planlama Teşkilatı Müsteşarlığı, Bilgi Toplumu Dairesi Başkanlığı, DPT Yayın No: 2826. Retreived from http://www.dpt.gov.tr/DocObjects/View/ 12808/ Bilgi_Toplumu_Istatistikleri_2011.pdf.
DT22 (2011). İnternet ve Mobil Bankacılık İstatistikleri Haziran 2011. Türkiye Bankalar Birliği Raporu. Retreived from www.tbb.org.tr.
Gounaris, S. P. ve Koritos, C. D. (2008). Using the Extended Innovation Attributes Framework and Consumer Personal Characteristics as Predictors of Internet Banking Adoption. Journal of Financial Services Marketing, 13(1), pp. 39–51. Retreived from http://www.palgrave-journals.com/ fsm/journal/v13/n1/full/fsm20084a.html.
Gurau, C. (2001). E-banking in transition economies: The case of Romania. Journal of Financial Services Marketing, 6(4), pp.362–378. Retreived from http://tcnh.ntt.edu.vn/images/ banking/32.pdf.
İleri, Y.Y. ve İleri, H. (2011). İnternet Bankacılığı ve E-ticaretin Türkiye Ekonomisi Üzerindeki Etkileri. Selçuk Üniversitesi Sosyal Bilimler Meslek Yüksek Okulu Dergisi, 14(1-2), pp. 109-125.
IpsosKMG (2010). PC ve İnternet Penetrasyon Çalışması. Retreived from http://m.friendfeed-media.com/ 97ba0b8988c2030c4e8b9ced748b16cc87af244c.
Kang, B. (2009). Information and Communications Technology and Disaster Risk Reduction Division; Bridging the Digital Divide Between Urban and Rural Areas: Experience of the Republic of Korea. ESCAP Technical Paper , IDD/TP-09-07 (Version 1.0). Retreived from http://www.unescap. org/idd/working %20papers/IDD_TP_09_07_of_WP_7_2_911.pdf.
Kim, B., Widdows, R. ve Yilmazer, T. (2005). The Determinants of Consumers’ Adoption of Internet Banking. Conference Series Proceedings, Federal Reserve Bank of Boston. Retrevied from http://www.bos.frb.org/news/conf/ payments2005/yilmazer.pdf.
Korkmaz, S. ve Gövdeli, Y. E. (2004). Türk Bankacılığında Alternatif Dağıtım Kanalları ve Ürünleri ile Bunların Gelişiminde ve Pazarlanmasında Eğitimin Önemi. Gazi Üniversitesi, Endüstriyel Sanatlar Eğitim Fakültesi Dergisi, 15. Retreived from http://www.esef.gazi.edu.tr/html/yayinlar/15_pdf/15-a.pdf.
Li, S. ve Worthington, A. C. (2004). The Relationship Between the Adoption of Internet Banking and Electronic Connectivity- An International Comparison. Queensland University of Technology, Discussion papers Series, DP No. 176. Retreived from http://www.bus.qut.edu.au/ faculty/schools/economics/documents/discussionPapers/2004/DP%20No.%20176%20-%20Li%20%26%20Worthington.pdf.
Mangin, J.P.L., Bourgault, N. ve Guerrero, M.M. (2011). Modeling Perceived Usefulness on Adopting Online Banking through the TAM Model in a Canadian Banking Environment. Journal of Internet Banking and Commerce, 16(1). Retreived from http://www.arraydev.com/commerce/jibc/ 2011-04/Jean-PierreLevyMangin.pdf.
Mermod, A. Y. (2011). Customer’s Perspectives and Risk Issues on E-Banking in Turkey; Should We Still be Online? Journal of Internet Banking and Commerce, 16(1). Retreived from http://www.arraydev.com/commerce/jibc/2011-04/YukselMermodAsl.pdf.
Pala, E. ve Kartal, B. (2010). Banka Müşterilerinin internet Bankacılığı ile İlgili Tutumlarına Yönelik Bir Pilot Araştırma. Yönetim ve Ekonomi, 17(2). Retreived from http://www2.bayar.edu.tr/ yonetimekonomi/dergi/pdf/C17S22010/43_61.pdf.
Qurashi, T.M., Zafar, M.K. ve Khan, M.B. (2008). Customer Acceptance of Online Banking in Developing Economies. Journal of Internet Banking and Commerce, 13(1). Retreived from http://www.arraydev.com/commerce/jibc/2008-04/Tahir%20Masood.pdf.
Reid, M. ve Levy, Y. (2008). Integrating Trust and Computer Self-Efficacy with TAM: An Empirical Assessment of Customers’ Acceptance of Banking Information Systems (BIS) in Jamaica. Journal of Internet Banking and Commerce, 12(3). Retreived from http://www.arraydev.com/commerce/jibc/ 2008-12/Levy_JIBCformat.pdf.
Socialmediatr.com (2011). Bilgi Toplumu İstatistikleri 2011 Yayımlandı. Retreived from http://www.socialmediatr.com/blog/bilgi-toplumu-istatistikleri-2011-yayimlandi/.
Sullivan, R. ve Wang, Z. (2005). Internet Banking: An Exploration in Technology Diffusion and Impact. Payments System Research Department, Federal Reserve Bank of Kansas City, Working Paper 05-05. Retreived from http://www.kansascityfed.org/publicat/psr/rwp/IBANK-Sullivan_Wang.pdf.
TNSP (2003). Alternatifi Kim Kullanıyor? Capital Online Dergi, 01 Ocak 2003. Retreived from http://www.capital.com.tr/alternatifi-kim-kullaniyor-haberler/15841.aspx.
Toy, B.Y. ve Tosunoğlu, N. G. (2007). Sosyal Bilimler Alanındaki Araştırmalarda Bilimsel Araştırma Süreci, İstatistiksel Teknikler ve Yapılan Hatalar. Ticaret ve Turizm Eğitim Fakültesi Dergisi, 2007(1). Retreived from http://www.ttefdergi.gazi.edu.tr/makaleler/2007/Sayi1/1-20.pdf.
TÜİK (2011). En son kullanım zamanına göre bireylerin bilgisayar ve İnternet kullanım oranları. Retreived from http://www.tuik.gov.tr/PreIstatistikTablo.do?istab_id=41.
Wendy W.N. W., Chung-Leung L. ve Cheris W.C. C. (2005). Customers' Adoption of Banking Channels in Hong Kong. International Journal of Bank Marketing, 23(3), pp.255 – 272. Retreived from http://www.emeraldinsight.com/journals.htm?issn=0265-2323&volume=23 &issue=3&articleid=1463456&show=pdf.
Yentürk, N. Ve Başlevent, C. (2007). “Türkiye’de Genç İşsizliği”, Gençlik Çalışmaları Birimi Araştırma Raporu, No:2, İstanbul Bilgi Üniversitesi Yayını. Retreived from http://www.setav.org/ ups/dosya/10409.pdf.
Yıldız, E. B., Sivri,U. ve Berber, M. (2010). Türkiye’de İllerin Sosyo-Ekonomik Gelişmişlik Sıralaması. Uluslararası Bölgesel Kalkınma Sempozyumu, Bozok Üniversitesi, 07-09 Ekim 2010 (ss.693-705). Retreived from http://www.metinberber.com/kullanici_dosyalari/file/ endeks.doc.
Downloads
Published
How to Cite
Issue
Section
License
Authors can retain copyright, while granting the journal right of first publication. Alternatively, authors can transfer copyright to the journal, which then permits authors non-commercial use of the work, including the right to place it in an open access archive. In addition, Creative Commons can be consulted for flexible copyright licenses.
©1999 Creative Commons Attribution-ShareAlike 4.0 International License.
