Bireysel Kullanıcıların Açık Bankacılık Kullanımına Yönelik Eğilimlerinin İncelenmesi
Examining the Tendency of Individual Users Towards Open Banking Applications

Summary/Abstract: Technological developments have affected every area of life. This effect is also seen in the finance sector and on banks, which are the most important institutions in the sector. Banks are the institutions that follow technological innovations most closely. In recent years, the concept of open banking has emerged with digital transformation. The aim of this study is to determine the factors affecting the behavioral intention of individuals towards the use of open banking applications. The Technology Acceptance Model was taken as the basis in the creation of the research model, and innovativeness, subjective norm, trust and perceived risk variables were added to the model. As a result of the analysis carried out with the structural equation method, the effect of attitude on behavioral intention is significant, while perceived usefulness, subjective norm and perceived risk do not have a significant effect. The effect of perceived usefulness, trust and subjective norm on attitude is significant; the effect of perceived ease of use is not significant. Innovation has a significant effect on perceived ease of use, but a non-significant effect on perceived usefulness. It is expected that organizations that will develop open banking applications, which have emerged in recent years and are considered an important innovation, will benefit from the results obtained.

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