Araştırma Makalesi
BibTex RIS Kaynak Göster

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

Yıl 2026, Cilt: 27 Sayı: 1, 97 - 118, 26.01.2026

Yunus Kutval

https://doi.org/10.37880/cumuiibf.1816688
https://izlik.org/JA42CC87FH

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

İslami Bankacılık Katılım Bankacılığı Mobil Bankacılık Mobil Bankacılık Adaptasyonu UTAUT

Etik Beyan

Bu makalenin hazırlanması sürecinde bilimsel araştırma ve yayın etiği ilkelerine tam bir bağlılık gösterilmiştir.

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

Yıl 2026, Cilt: 27 Sayı: 1, 97 - 118, 26.01.2026

Yunus Kutval

https://doi.org/10.37880/cumuiibf.1816688
https://izlik.org/JA42CC87FH

Öz

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.

Anahtar Kelimeler

Islamic Banking Participation Banking Mobile Banking Mobile Banking Adoption UTAUT

Etik Beyan

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

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  • Tannady, H., Dewi, C. S. & Gilbert (2024). Exploring role of technology performance expectancy, application effort expectancy, perceived risk and perceived cost on digital behavioral intention of GoFood users. Jurnal Informasi dan Teknologi, 6(1), 80–85. https://doi.org/10.60083/jidt.v6i1.477
  • Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal computing: Toward a conceptual model of utilization. MIS quarterly, 15 (1), 125-143. https://doi.org/10.2307/249443
  • Thusi, P., & Maduku, D. K. (2020). South African millennials’ acceptance and use of retail mobile banking apps: An integrated perspective. Computers in Human Behavior, 111, 1-10. https://doi.org/10.1016/j.chb.2020.106405
  • Tian, Y., & Wang, X. (2022). A study on psychological determinants of users’ autonomous vehicles adoption from anthropomorphism and UTAUT perspectives. Frontiers in Psychology, 13, 986800. https://doi.org/10.3389/fpsyg.2022.986800
  • Türkiye İstatistik Kurumu (TÜİK). (2024). Hanehalkı bilişim teknolojileri (BT) kullanım araştırması, 2024 [Veri seti]. https://data.tuik.gov.tr/Bulten/Index?p=Hanehalki-Bilisim-Teknolojileri-(BT)-Kullanim-Arastirmasi-2024-53492 (Access date: 20 October 2025).
  • Varma, A. (2018). Mobile banking choices of entrepreneurs: A unified theory of acceptance and use of technology (UTAUT) perspective. Theoretical Economics Letters, 8(14), 2921-2937. https://doi.org/10.4236/tel.2018.814183
  • Venkatesh, V., Brown, S. A., Maruping, L. M., & Bala, H. (2008). Predicting different conceptualizations of system use: The competing roles of behavioral intention, facilitating conditions, and behavioral expectation. MIS quarterly, 32(3), 483-502. https://doi.org/10.2307/25148853
  • Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 27(3), 425-478. https://doi.org/10.2307/30036540
  • Wang, G., & Netemeyer, R. G. (2002). The effects of job autonomy, customer demandingness, and trait competitiveness on salesperson learning, self-efficacy, and performance. Journal of the academy of marketing science, 30(3), 217-228. https://doi.org/10.1177/0092070302303003
  • We Are Social, & Meltwater. (2024, Şubat). Digital 2024: Turkey. DataReportal. https://datareportal.com/reports/digital-2024-turkey (Access date: 20 October 2025)
  • Xu, Z., Li, Y., & Hao, L. (2022). An empirical examination of UTAUT model and social network analysis. Library Hi Tech, 40(1), 18–32. https://doi.org/10.1108/LHT-11-2018-0175
  • Yaseen, S. G., El Qirem, I. A., & Dajani, D. (2022). Islamic mobile banking smart services adoption and use in Jordan. ISRA International Journal of Islamic Finance, 14(3), 349–362. https://doi.org/10.1108/IJIF-04-2021-0065
  • Yu, C.-S. (2012). Factors affecting individuals to adopt mobile banking: Empirical evidence from the UTAUT model. Journal of Electronic Commerce Research, 13(2), 104–121. http://jecr.org/sites/default/files/13_3_p01_0.pdf
  • Yüksel, B., & Artar, O. K. (2022). Türkiye’de dijitalleşme ve ülke ekonomisi üzerindeki olası etkilerinin değerlendirilmesi. İstanbul Ticaret Üniversitesi Working Paper Series, 3(2), 99–116. https://doi.org/10.5281/zenodo.6652464
  • Zhou, T. (2008, August). Exploring mobile user acceptance based on UTAUT and contextual offering. In 2008 International Symposium on Electronic Commerce and Security (pp. 241–245). IEEE. https://doi.org/10.1109/ISECS.2008.10
  • Zhou, T., Lu, Y., & Wang, B. (2010). Integrating TTF and UTAUT to explain mobile banking user adoption. Computers in Human Behavior, 26(4), 760–767. https://doi.org/10.1016/j.chb.2010.01.013
Toplam 98 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Ekonometrik ve İstatistiksel Yöntemler, Finans
Bölüm Araştırma Makalesi
Yazarlar

Yunus Kutval 0000-0003-0063-9157

Gönderilme Tarihi 3 Kasım 2025
Kabul Tarihi 26 Aralık 2025
Yayımlanma Tarihi 26 Ocak 2026
DOI https://doi.org/10.37880/cumuiibf.1816688
IZ https://izlik.org/JA42CC87FH
Yayımlandığı Sayı Yıl 2026 Cilt: 27 Sayı: 1

Kaynak Göster

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

Cumhuriyet Üniversitesi İktisadi ve İdari Bilimler Dergisi Creative Commons Atıf-GayriTicari 4.0 Uluslararası Lisansı (CC BY NC) ile lisanslanmıştır.