BibTex RIS Kaynak Göster
Yıl 2011, Cilt: 4 Sayı: 1-2, 1 - 25, 26.05.2014

Öz

Kaynakça

  • Akıncı S., Aksoy, Ş., Atılgan, E. (2004), “Adoption of internet banking among sophisticated consumer segments in an advanced developing country”, International Journal of bank marketing, 22(3): 212-32.
  • Al- Somali, S. A., Gholami, R., and Clegg, B., (2009), “An investigation to online banking in Saudi Arabia” Technovation, 29, 130-141.
  • Aladwani, A. (2001), “Online banking: a field study of drivers, development challenges, and expectations”, International Journal of Information Management, 21, 213-25.
  • Bomil S., Ingoo H. (2002), “Effect of Trust on Consumer acceptance of internet banking”, Electronic commerce Research and Applications, 1, 247-263
  • Branca, A.S. (2008), “Demographic Influences on Behaviour: An Update to the Adoption of Bank Delivery Channels” International Journal of Bank Marketing, 26 (4), 237- 259.
  • Cengiz, E., Ayyıldız, H. et al. (2007). "Effects Of Image And Advertising Efficiency On Customer Loyalty And Antecedents Of Loyalty: Turkish Banks Sample." Banks and Bank Systems, 2(1), 56-80.
  • Celik, H. (2008), “What determines Turkish customers’ acceptance of internet banking?”, International Journal of Bank Marketing, 26 (5), 353-70.
  • Cristobal, E., Flavia´n, C., Guinalı´u, M. (2007), “Perceived e-service quality (PeSQ) Measurement validation and effects on consumer satisfaction and web site loyalty”, Managing Service Quality, 17(3), 317-340.
  • Dabholkar, P. A., (1996), “Consumer evaluations of new techology based self service options: an investigation of alternative models of service quality”, International Journal of Research in Marketing, 13(1), 29-51.
  • Flavian, C., Torres, E., Guinaliu, M.(2004), “Corporate image measurament a further problem for the tangibilization of internet banking services”, International Journal of Bank Marketing, 22(5), 366-384.
  • Flavian, C., Guinaliu, M., Torres, E. (2006), “How bricks-and mortar attributes affect online banking adoption”, International Journal of Bank Marketing, 24(6), 406-423.
  • Gounaris, S. and Koritos C. (2008), “Investigating the drivers of internet banking adoption decision. A comperison of three alternative frameworks”, Internaional Journal of Bank Marketing, 26(5), 282-302.
  • Hair, J.F., Anderson, R.E, Tatham, R.L. and Black, W.C., (1998), Multivariate Data Analysis, Prentice Hall, New Jersey.
  • Haris, L. C. and Goode M.M.H. (2004), “The four levels of loyalty and the pivotal role of trust: a study of online service dynamics” Journal of Retailing, 80, 139-158.
  • Hitt, L.M. and Frei, F.X. (2002), “ Do better consumers utilize electronic distribution channels? The case of PC banking”, Management Science, 48(6), 732-48.
  • Howcroft, B., Hamilton, R. and Hewer, P. (2002), “Consumer attitude and the usage and adoption of home-based banking in the United Kingdom”, International Journal of Bank Marketing, 20(3), 111-121.
  • Ibrahim, E.E., Joseph, M., Ibeh, K.I.N. (2006), “Customers’ perception of electronic service delivery in the UK retail banking sector”, International Journal of Bank Marketing, 24(7), 475-493
  • Joseph, M., McClure, C., Joseph, B. (1999), “Service quality in banking sector: the impact of technology on service delivery”, International Journal of Bank Marketing, 17(4), 182-91.
  • Jun, M. and Chai, S. (2001), “The key determinants of internet banking service quality: a content analysis”, International journal of Bank Marketing, 19(7), 276-291.
  • Karjaluoto,H., Mattila, M., Pento, T. (2002), “Electronic banking in Finland: Consumer beliefs and reactions to a new delivery channel”, Journal of Financial Services Marketing, 6(4), 346-61.
  • Kervenoel, R.D., Soopramanien,D., Elms,J., Hallsworth,A. (2006), “Exploring
  • the value through integrated service solutions: the case of e-grocery
  • shopping”, Managing Service Quality, 16(29), 185-202.
  • Liao, S. , Shao, Y.P., Wang, H. and Chen, A. (1999), “The adoption of virtual banking: an emprical study”, International Journal of Information Management, 19, 63–74.
  • Liao, Z., Cheung, M.T. (2002), “Internet based e-banking and consumer attitudes: an empirical study”, Information & Management, 39, 283-295.
  • Meuer, M.L., Ostrom, A.L., Roundree, R.L. and Bitner, M. (2000), “Self- service technologies: understanding customer satisfaction with technology based service encounters”, Journal of Marketing, 64, 50-64.
  • Mols, N.P., Bukh, P.N.D. and Nielsen, J.F. (1999), “Distribution channel strategies in Danish retail banking”, International Journal of retail and distribution management, 27(1), 195-201.
  • Mukherjee, A. and Nath, P. (2003), “A model of trust in online relationship banking” International journal of bank marketing, 21(1), 5-15.
  • Nunnaly, J.C. (1978). Psychometric Theory, McGraw-Hill, New York, NY
  • Ozdemir, S., P. Trott, P., Hoecht, A. (2007), "New service development: Insights from an explorative study into the Turkish retail banking sector." Innovation: Management, Policy & Practice, 9(3/4), 276-289.
  • Özdemir, S., Trott, P. and Hoecht, A, (2008), “Setting internet banking adopter and non-adopters in the Turkish retail banking sector”, International Journal of Bank Marketing, 26 (4), 212-236.
  • Pikkarainen, T., Pikkarainen, P., Karjaluoto, H., Pahnil, S. (2004), “Consumer acceptance of online banking: an extension of the technology acceptance model”, Internet Research, 14(3), 224-235.
  • Polatlıoğlu V.N., Ekin,S. (2001), “An empirical investigation of Turkish consumers’ acceptance of internet bankig services”, International Journal of Bank Marketing, 19(4), 156-65.
  • Polasik, M, and Wisniewski T. M (2009), Empirical Analysis of Internet
  • Banking Adoption in Poland”, International Journal of Bank Marketing, 27(1), 32-52.
  • Rexha, N., John, R.P. and Shang, A.S. (2003), “The impact of the relational plan on adoption of electric banking” Journal of services marketing, 17(1), 53-67.
  • Ribbink, D., Riel, A., V. Liljander and Streukens, S. (2004), “Comfort your online customer: quality, trust, and loyalty on the internet”, Managing Service Quality, 14(6), 446-56.
  • Robinson, T., (2000), “Internet banking still not a perfect marriage” Informationweek.com, April 17, 104-106.
  • Sathye, M. (1999), “Adoption of internet banking by Australian consumers: an empirical investigation”, International Journal of Bank Marketing, 17(7), 324-334.
  • Sayar, C., Wolfe, S.(2007), “Internet Banking Market Performance: Turkey versus the UK”, International Journal of Bank Marketing, 25(3), 122-141.
  • Shih, Y., Kwoting, F. (2004), “The use of decomposed theory of planned behavior to study internet bankng in Taiwan”, Internet Research, 14(3), 213–223.
  • Sohail, M. S.,Balachandıran, S. (2003), “E- banking and customer preferences in Malaysia: An Empirical Investigaton”, Information Sciences, 150(3/4), 207-217.
  • Suh, B. & Han, I. (2003), “The Impact of Customer Trust and Perception of Security Control on the Acceptance of Electronic Commerce”, International Journal of Electronic Commerce, 73, 135-161.
  • TUİK, 18 August (2011), “2011Yılı Hane Halkı Bilişim Teknolojileri Kullanım AraştırmasıSonuçları”,http://www.tuik.gov.tr/PreHaberBultenleri.do?id=2 055, access date 1/1/2011.
  • Turban, E., Lee, J., King, D. and Chung, H. M. (2000), Electronic Commerce: A Managerial Perspective, Prentice-Hall, Upper Saddle River, NJ.
  • Türkiye Bankalar Birliği (2011), İnternet ve Mobil Bankacılık Hizmetleri Eylül 2011, http://www.tbb.org.tr/pretablo.do?tb_60&usp_id=2, access date 5/10/2011.
  • Waite, K., Tina H., (2004), “Online banking information: what we want and what we get” Qualitative market research: an international journal, 7(1), 67-79.
  • Yavaş U., Z. Bilgin, and Shemwell, D.J. (1997), “Service quality in banking
  • sector in an emerging economy: a consumer survey”, International
  • journal of bank marketing, 15, 217-23.

INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS

Yıl 2011, Cilt: 4 Sayı: 1-2, 1 - 25, 26.05.2014

Öz

Turkey has a developed banking sector which has a very important place in Turkish economy. Internet banking applications started in 1997. Though it does not have a long history it has a very huge potential in the Turkish market. The aim of this paper is to explore if demographical factors are important in identifying the target customers for internet banking; to identify the perception of consumers regarding the attributes of internet banking usage; and to check if consumers perceive internet banking as a useful alternative channel. For this, an empirical research was conducted on 506 internet users over the age of 18, and two different clusters of non-users of internet banking and three different clusters for users of internet banking were identified, based on the demographic characteristics of respondents, which could be a valuable tool for marketing managers for identifying their segmentation and positioning strategies. Five factors were found to be as attributes of internet banking usage. Among the five factors, “security and trust” was found to be the factor that had the highest factor load for Internet banking usage. Finally, the discriminant analysis carried out reveals clues for bank managers about how to identify potential Internet bank users.

Kaynakça

  • Akıncı S., Aksoy, Ş., Atılgan, E. (2004), “Adoption of internet banking among sophisticated consumer segments in an advanced developing country”, International Journal of bank marketing, 22(3): 212-32.
  • Al- Somali, S. A., Gholami, R., and Clegg, B., (2009), “An investigation to online banking in Saudi Arabia” Technovation, 29, 130-141.
  • Aladwani, A. (2001), “Online banking: a field study of drivers, development challenges, and expectations”, International Journal of Information Management, 21, 213-25.
  • Bomil S., Ingoo H. (2002), “Effect of Trust on Consumer acceptance of internet banking”, Electronic commerce Research and Applications, 1, 247-263
  • Branca, A.S. (2008), “Demographic Influences on Behaviour: An Update to the Adoption of Bank Delivery Channels” International Journal of Bank Marketing, 26 (4), 237- 259.
  • Cengiz, E., Ayyıldız, H. et al. (2007). "Effects Of Image And Advertising Efficiency On Customer Loyalty And Antecedents Of Loyalty: Turkish Banks Sample." Banks and Bank Systems, 2(1), 56-80.
  • Celik, H. (2008), “What determines Turkish customers’ acceptance of internet banking?”, International Journal of Bank Marketing, 26 (5), 353-70.
  • Cristobal, E., Flavia´n, C., Guinalı´u, M. (2007), “Perceived e-service quality (PeSQ) Measurement validation and effects on consumer satisfaction and web site loyalty”, Managing Service Quality, 17(3), 317-340.
  • Dabholkar, P. A., (1996), “Consumer evaluations of new techology based self service options: an investigation of alternative models of service quality”, International Journal of Research in Marketing, 13(1), 29-51.
  • Flavian, C., Torres, E., Guinaliu, M.(2004), “Corporate image measurament a further problem for the tangibilization of internet banking services”, International Journal of Bank Marketing, 22(5), 366-384.
  • Flavian, C., Guinaliu, M., Torres, E. (2006), “How bricks-and mortar attributes affect online banking adoption”, International Journal of Bank Marketing, 24(6), 406-423.
  • Gounaris, S. and Koritos C. (2008), “Investigating the drivers of internet banking adoption decision. A comperison of three alternative frameworks”, Internaional Journal of Bank Marketing, 26(5), 282-302.
  • Hair, J.F., Anderson, R.E, Tatham, R.L. and Black, W.C., (1998), Multivariate Data Analysis, Prentice Hall, New Jersey.
  • Haris, L. C. and Goode M.M.H. (2004), “The four levels of loyalty and the pivotal role of trust: a study of online service dynamics” Journal of Retailing, 80, 139-158.
  • Hitt, L.M. and Frei, F.X. (2002), “ Do better consumers utilize electronic distribution channels? The case of PC banking”, Management Science, 48(6), 732-48.
  • Howcroft, B., Hamilton, R. and Hewer, P. (2002), “Consumer attitude and the usage and adoption of home-based banking in the United Kingdom”, International Journal of Bank Marketing, 20(3), 111-121.
  • Ibrahim, E.E., Joseph, M., Ibeh, K.I.N. (2006), “Customers’ perception of electronic service delivery in the UK retail banking sector”, International Journal of Bank Marketing, 24(7), 475-493
  • Joseph, M., McClure, C., Joseph, B. (1999), “Service quality in banking sector: the impact of technology on service delivery”, International Journal of Bank Marketing, 17(4), 182-91.
  • Jun, M. and Chai, S. (2001), “The key determinants of internet banking service quality: a content analysis”, International journal of Bank Marketing, 19(7), 276-291.
  • Karjaluoto,H., Mattila, M., Pento, T. (2002), “Electronic banking in Finland: Consumer beliefs and reactions to a new delivery channel”, Journal of Financial Services Marketing, 6(4), 346-61.
  • Kervenoel, R.D., Soopramanien,D., Elms,J., Hallsworth,A. (2006), “Exploring
  • the value through integrated service solutions: the case of e-grocery
  • shopping”, Managing Service Quality, 16(29), 185-202.
  • Liao, S. , Shao, Y.P., Wang, H. and Chen, A. (1999), “The adoption of virtual banking: an emprical study”, International Journal of Information Management, 19, 63–74.
  • Liao, Z., Cheung, M.T. (2002), “Internet based e-banking and consumer attitudes: an empirical study”, Information & Management, 39, 283-295.
  • Meuer, M.L., Ostrom, A.L., Roundree, R.L. and Bitner, M. (2000), “Self- service technologies: understanding customer satisfaction with technology based service encounters”, Journal of Marketing, 64, 50-64.
  • Mols, N.P., Bukh, P.N.D. and Nielsen, J.F. (1999), “Distribution channel strategies in Danish retail banking”, International Journal of retail and distribution management, 27(1), 195-201.
  • Mukherjee, A. and Nath, P. (2003), “A model of trust in online relationship banking” International journal of bank marketing, 21(1), 5-15.
  • Nunnaly, J.C. (1978). Psychometric Theory, McGraw-Hill, New York, NY
  • Ozdemir, S., P. Trott, P., Hoecht, A. (2007), "New service development: Insights from an explorative study into the Turkish retail banking sector." Innovation: Management, Policy & Practice, 9(3/4), 276-289.
  • Özdemir, S., Trott, P. and Hoecht, A, (2008), “Setting internet banking adopter and non-adopters in the Turkish retail banking sector”, International Journal of Bank Marketing, 26 (4), 212-236.
  • Pikkarainen, T., Pikkarainen, P., Karjaluoto, H., Pahnil, S. (2004), “Consumer acceptance of online banking: an extension of the technology acceptance model”, Internet Research, 14(3), 224-235.
  • Polatlıoğlu V.N., Ekin,S. (2001), “An empirical investigation of Turkish consumers’ acceptance of internet bankig services”, International Journal of Bank Marketing, 19(4), 156-65.
  • Polasik, M, and Wisniewski T. M (2009), Empirical Analysis of Internet
  • Banking Adoption in Poland”, International Journal of Bank Marketing, 27(1), 32-52.
  • Rexha, N., John, R.P. and Shang, A.S. (2003), “The impact of the relational plan on adoption of electric banking” Journal of services marketing, 17(1), 53-67.
  • Ribbink, D., Riel, A., V. Liljander and Streukens, S. (2004), “Comfort your online customer: quality, trust, and loyalty on the internet”, Managing Service Quality, 14(6), 446-56.
  • Robinson, T., (2000), “Internet banking still not a perfect marriage” Informationweek.com, April 17, 104-106.
  • Sathye, M. (1999), “Adoption of internet banking by Australian consumers: an empirical investigation”, International Journal of Bank Marketing, 17(7), 324-334.
  • Sayar, C., Wolfe, S.(2007), “Internet Banking Market Performance: Turkey versus the UK”, International Journal of Bank Marketing, 25(3), 122-141.
  • Shih, Y., Kwoting, F. (2004), “The use of decomposed theory of planned behavior to study internet bankng in Taiwan”, Internet Research, 14(3), 213–223.
  • Sohail, M. S.,Balachandıran, S. (2003), “E- banking and customer preferences in Malaysia: An Empirical Investigaton”, Information Sciences, 150(3/4), 207-217.
  • Suh, B. & Han, I. (2003), “The Impact of Customer Trust and Perception of Security Control on the Acceptance of Electronic Commerce”, International Journal of Electronic Commerce, 73, 135-161.
  • TUİK, 18 August (2011), “2011Yılı Hane Halkı Bilişim Teknolojileri Kullanım AraştırmasıSonuçları”,http://www.tuik.gov.tr/PreHaberBultenleri.do?id=2 055, access date 1/1/2011.
  • Turban, E., Lee, J., King, D. and Chung, H. M. (2000), Electronic Commerce: A Managerial Perspective, Prentice-Hall, Upper Saddle River, NJ.
  • Türkiye Bankalar Birliği (2011), İnternet ve Mobil Bankacılık Hizmetleri Eylül 2011, http://www.tbb.org.tr/pretablo.do?tb_60&usp_id=2, access date 5/10/2011.
  • Waite, K., Tina H., (2004), “Online banking information: what we want and what we get” Qualitative market research: an international journal, 7(1), 67-79.
  • Yavaş U., Z. Bilgin, and Shemwell, D.J. (1997), “Service quality in banking
  • sector in an emerging economy: a consumer survey”, International
  • journal of bank marketing, 15, 217-23.
Toplam 50 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Bölüm Makaleler
Yazarlar

Burcu İlter

Ömür Y. Saatçıoğlu

Emel Kuruoğlu

Yayımlanma Tarihi 26 Mayıs 2014
Yayımlandığı Sayı Yıl 2011 Cilt: 4 Sayı: 1-2

Kaynak Göster

APA İlter, B., Saatçıoğlu, Ö. Y., & Kuruoğlu, E. (2014). INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS. International Journal of Emerging and Transition Economies, 4(1-2), 1-25.
AMA İlter B, Saatçıoğlu ÖY, Kuruoğlu E. INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS. International Journal of Emerging and Transition Economies. Mayıs 2014;4(1-2):1-25.
Chicago İlter, Burcu, Ömür Y. Saatçıoğlu, ve Emel Kuruoğlu. “INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS”. International Journal of Emerging and Transition Economies 4, sy. 1-2 (Mayıs 2014): 1-25.
EndNote İlter B, Saatçıoğlu ÖY, Kuruoğlu E (01 Mayıs 2014) INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS. International Journal of Emerging and Transition Economies 4 1-2 1–25.
IEEE B. İlter, Ö. Y. Saatçıoğlu, ve E. Kuruoğlu, “INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS”, International Journal of Emerging and Transition Economies, c. 4, sy. 1-2, ss. 1–25, 2014.
ISNAD İlter, Burcu vd. “INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS”. International Journal of Emerging and Transition Economies 4/1-2 (Mayıs 2014), 1-25.
JAMA İlter B, Saatçıoğlu ÖY, Kuruoğlu E. INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS. International Journal of Emerging and Transition Economies. 2014;4:1–25.
MLA İlter, Burcu vd. “INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS”. International Journal of Emerging and Transition Economies, c. 4, sy. 1-2, 2014, ss. 1-25.
Vancouver İlter B, Saatçıoğlu ÖY, Kuruoğlu E. INTERNET BANKING USAGE: AN EMPIRICAL ANALYSIS ON TURKISH CONSUMERS. International Journal of Emerging and Transition Economies. 2014;4(1-2):1-25.