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A Field Study for Factors Effecting Individuals’ Usage of Internet Banking


  • Bayrakdaroğlu, Ali

    () (Mugla University)


The purpose of this study is to identify the factors affecting the use of internet banking as one of the banking services, and to determine relationship of the demographic characteristics of customers with these factors. For this purpose, six hypotheses have been developed within the framework of the research model. A questionnaire form was developed to determine these factors and was applied in 5 provinces in the Aegean region. From the all questionnaire applied, only 525 of them provided useable data. The data obtained were analyzed in steps by factor analysis, regression analysis, t-test and Anova analysis. According to results of the study, it is determined that especially security and privacy, then factors such as trust, being innovative, ease of use, awareness, quality of internet connection, the effect of social environment and ability to use computer had impact on the use of internet banking. Furthermore, evaluations of factors that affect the usage of internet banking vary according to demographic characteristics of individuals.

Suggested Citation

  • Bayrakdaroğlu, Ali, 2012. "A Field Study for Factors Effecting Individuals’ Usage of Internet Banking," Business and Economics Research Journal, Uludag University, Faculty of Economics and Administrative Sciences, vol. 3(4), pages 1-57, October.
  • Handle: RePEc:ris:buecrj:0101

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    Internet Banking; Costumer Perception; ANOVA;

    JEL classification:

    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O52 - Economic Development, Innovation, Technological Change, and Growth - - Economywide Country Studies - - - Europe


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