Abstract

Increasing competition due to technological developments and changes in customer preferences leads banks to develop new strategies to protect their assets and gain a competitive advantage. It has caused banks to survive in today's competitive market to offer mobile banking applications to their customers. This study aims to explore the potential key factors that affect the usage intention of mobile banking applications. For this reason, primary data was collected from undergraduate students studying at Tekirdağ Namık Kemal University. 310 data were finally obtained with the online survey method. The data were analyzed by frequency analysis, descriptive statistics, factor and reliability analysis, correlation and regression analysis and different tests. The findings showed that the intention to use mobile banking was affected by the attitude towards mobile banking and convenience and usefulness. The biggest predictor of attitude is convenience and benefit. While perceived risk negatively affects perceived trust, comfort, and practicality, the sensed trust variable positively affects convenience, usefulness, and attitude. Considering demographic factors, it was concluded that the perceived risk and perceived trust showed a statistically significant difference between the students' age groups, the faculty and department they studied, the years and classes they spent in school, and the income levels of the students, but not statistically significant difference between the male and female students.