A UTAUT-BASED STUDY ON THE ADOPTION OF ISLAMIC (PARTICIPATION) BANKING MOBILE APPLICATIONS IN TÜRKİYE

Yunus Kutval

doi:10.37880/cumuiibf.1816688

TR EN

TÜRKİYE’DE İSLAMİ (KATILIM) BANKACILIK MOBİL UYGULAMALARININ BENİMSENMESİ ÜZERİNE UTAUT TABANLI BİR ARAŞTIRMA

Öz

Bu çalışma, Türkiye’de İslami bankacılık (Katılım bankacılığı) mobil uygulamalarının benimsenmesini Birleşik Teknoloji Kabul ve Kullanım Teorisi (UTAUT) çerçevesinde incelemektedir. 199 katılımcıdan toplanan veriler, SmartPLS 4 ile Yapısal Eşitlik Modellemesi (PLS-SEM) kullanılarak analiz edilmiştir. Çalışmanın bulguları, davranışsal niyetin (BI) kullanım davranışını (UB) güçlü ve anlamlı biçimde etkilediğini göstermektedir. Ayrıca BI’nın temel belirleyicileri çaba beklentisi (EE) ve sosyal etki (SI) olarak bulunmuştur. Buna karşın performans beklentisi (PE) BI üzerinde anlamlı bir etkiye sahip değildir. Ayrıca kolaylaştırıcı koşulların (FC) UB üzerindeki doğrudan etkisi de istatistiksel olarak desteklenmemiştir. Sonuçlar, Türkiye’de İslami bankacılık mobil uygulamalarının benimsenmesinde fayda algısının doygunluğa ulaşmış olabileceğini, kullanıcıların niyetlerinin daha çok kullanım kolaylığı ve sosyal normlar tarafından şekillendiğini göstermektedir. Türkiye bağlamında İslami bankacılık mobil uygulamalarının benimsenmesini UTAUT çerçevesinde ele alan çalışmaların sınırlı olduğu dikkate alındığında, bu çalışma söz konusu literatür boşluğunu doldurma bakımından kayda değer bir katkı sunmaktadır.

Anahtar Kelimeler

A UTAUT-BASED STUDY ON THE ADOPTION OF ISLAMIC (PARTICIPATION) BANKING MOBILE APPLICATIONS IN TÜRKİYE

Abstract

This study examines the adoption of Islamic banking (Participation banking) mobile applications in Turkey within the framework of the Unified Theory of Acceptance and Use of Technology (UTAUT). Data collected from 199 participants were analyzed using Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The findings of the study show that behavioral intention (BI) strongly and significantly affects use behavior (UB). In addition, the main determinants of BI were found to be effort expectancy (EE) and social influence (SI). In contrast, performance expectancy (PE) does not have a significant effect on BI. Moreover, the direct effect of facilitating conditions (FC) on UB was not statistically supported. The results indicate that the perception of benefit in the adoption of Islamic banking mobile applications in Turkey may have reached saturation, and that users’ intentions are shaped more by ease of use and social norms. Considering that studies addressing the adoption of Islamic banking mobile applications in the Turkish context within the UTAUT framework are limited, this study provides a noteworthy contribution in terms of filling the aforementioned gap in the literature.

Keywords

Ethical Statement

In the preparation process of this article, full commitment to scientific research and publication ethics principles has been ensured.

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Details

Primary Language

English

Subjects

Econometric and Statistical Methods , Finance

Journal Section

Research Article

Authors

Yunus Kutval ^*
0000-0003-0063-9157
Türkiye

Publication Date

January 26, 2026

Submission Date

November 3, 2025

Acceptance Date

December 26, 2025

Published in Issue

Year 2026 Volume: 27 Number: 1

DOI

https://doi.org/10.37880/cumuiibf.1816688

IZ

https://izlik.org/JA42CC87FH

Cite

RIS / Bibtex

APA

Kutval, Y. (2026). A UTAUT-BASED STUDY ON THE ADOPTION OF ISLAMIC (PARTICIPATION) BANKING MOBILE APPLICATIONS IN TÜRKİYE. Cumhuriyet Üniversitesi İktisadi Ve İdari Bilimler Dergisi, 27(1), 97-118. https://doi.org/10.37880/cumuiibf.1816688