Mobil Ödeme Kullanımına Yönelik Niyet ve Algıların SosyoDemografik Özelliklere Göre Farklılıklarının İncelenmesi*

Abstract

<p class="ql-align-justify">The aim of this study is to determine how users’ intention regarding the use of technology, and how their perceptions toward technology, differ according to socio-demographics characteristics. In this respect, another aim of this study is to try to explain what might be taken into consideration in order to expand the use of mobile payment systems. The essential&nbsp;motivation of this study is that the number of studies in the marketing field on mobile payment systems using QR code, which has become common in Turkey, is limited. In this study, a sample of 485 participants was included using an online survey method. Validity and reliability analyses were conducted for intention and perceptions in the mobile payment scale. Independent sample t test and one-way ANOVA were applied to determine how the dimensions of the mobile payment scale, which is composed of intention to use and perceptions obtained from exploratory factor analyses, differ according to socio-demographic characteristics. As a result of these analyses, it was found that the intention to use of mobile payments, perceived usefulness, perceived ease of use, perceived trust, perceived compatibility and perceived security variables showed significant differences according to socio-demographic characteristics. It was determined that participants differ in terms of intention to use and all the perceptions toward mobile payment addressed in this research regardless of whether they had made mobile payments before or not. Accordingly, specifying the differences in perceptions and intention to use of mobile payments according to socio-demographic factors, this study provides valuable data for practitioners in terms of managing marketing activities and strategies for various user segments in order to ensure that mobile payment systems using QR code become widespread in Turkey.&nbsp;