Finansal teknoloji şirketlerinin sunduğu ürün ve hizmetlerin benimsenmesinin algılanan örgüt performansına etkisinde teknolojik yatkınlığın aracı rolü
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Dosyalar
Tarih
2023
Yazarlar
Dergi Başlığı
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Cilt Başlığı
Yayıncı
Düzce Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Bu çalışma 2008 dünya ekonomik krizi sonrası ortaya çıkan finansal teknoloji şirketlerinin sunduğu ürün ve hizmetlerinin benimsenmesinin algılanan örgüt performansına etkisinde teknolojik yatkınlığın aracı rolünü saptamak amacıyla yapılmıştır. Finansal teknoloji şirketleri ödemeler/para transferi, kripto para, sigortacılık vb., hizmetleri sunmaktadır. Buna dayanarak yapılan bu çalışmanın evrenini fintek şirketlerinin sunduğu ödeme hizmetlerini benimseyen gıda, sigortacılık ve bilişim sektörü çalışanları oluşturmaktadır. Evrenin tamamına ulaşılamayacağı gerekçesi ile örneklem grubu olarak kolayda örnekleme yöntemi ile seçilen Düzce ilindeki fintek şirketlerinin ödeme hizmetini benimseyen gıda, sigortacılık ve bilişim sektörü çalışanları seçilmiştir. Katılımcılardan yüzyüze anket tekniği ile veri toplanmıştır. Toplanan hatasız 434 veri ile SPSS 23 ve AMOS programları üzerinden analizler gerçekleştirilmiştir. Çalışma kapsamında geçerlilik ve güvenirlik analizleri yapılan fintek ürün ve hizmetlerini benimseme ölçeği hazırlanmıştır. Ayrıca elde edilen verilere betimleyici istatistikler, DFA, AFA ve aracılık analizleri uygulanmıştır. Yapılan analizlerde güven, algılanan fayda, tutum, sosyal etki ve algılanan kullanım kolaylığı olmak üzere 5 boyutlu fintek benimseme ölçeği elde edilmiştir. Algılanan örgüt performansı tek boyuttan oluşurken teknolojik yatkınlık ölçeği ise iyimserlik, yenilikçilik ve kullanışlılık boyutlarından oluşmaktadır. Yapılan aracılık analizleri sonucunda fintek benimsemesinin tutum, sosyal etki ve algılanan kullanım kolaylığı boyutları algılanan örgüt performansını olumlu yönde etkilemektedir. Fintek benimsemesinin algılanan fayda ve güven boyutlarının ise algılanan örgüt performansı üzerinde anlamlı bir etkisi saptanmamıştır. Çalışma kapsamında 15 adet aracılık hipotezi bulunmuştur. Aracılık analizleri sonucunda teknolojik yatkınlığın yenilikçilik boyutunun algılanan örgüt performansı üzerinde anlamlı bir etkisi saptanamamıştır. Buna dayanarak Fintek benimsemesinin algılanan örgüt performansına etkisinde teknolojik yatkınlığın yenilikçilik boyutunun aracı rolü olmadığı tespit edilmiştir. Fintek benimsemesinin sosyal etki ve algılanan kullanım kolaylığı boyutlarının algılanan örgüt performansına etkisinde teknolojik yatkınlığın iyimserlik boyutunun aracı rolü bulunmaktadır. Aynı zamanda Fintek benimsemesinin sosyal etki, tutum ve algılanan kullanım kolaylığı boyutlarının algılanan örgüt performansına etkisinde teknolojik yatkınlığın kullanışlılık boyutunun aracı rolü saptanmıştır.
This study was conducted to determine the mediating role of technological aptitude in the effect of the adoption of the products and services offered by financial technology companies that emerged after the 2008 world economic crisis on the perceived organizational performance. Financial technology companies offer services such as payments/money transfer, cryptocurrency, insurance, etc. Based on this, the universe of this study consists of food, insurance and informatics sector employees who adopt the payment services offered by fintech companies. Food, insurance and informatics sector employees who adopted the payment service of fintech companies in Düzce, which were selected by convenience sampling method, were selected as the sample group on the grounds that the entire population could not be reached. Data were collected from the participants by face-to-face survey technique. Analyzes were carried out using the SPSS 23 and AMOS programs with the 434 error-free data collected. Within the scope of the study, the scale of adoption of fintech products and services, whose validity and reliability analyzes were carried out, was prepared. In addition, descriptive statistics, CFA, EFA and mediation analyzes were applied to the obtained data. In the analyzes made, a 5-dimensional fintech adoption scale was obtained: trust, perceived usefulness, attitude, social impact and perceived ease of use. While the perceived organizational performance consists of one dimension, the technological aptitude scale consists of the dimensions of optimism, innovativeness and usefulness. As a result of the mediation analysis, attitude, social impact and perceived ease of use dimensions of fintech adoption positively affect the perceived organizational performance. The perceived usefulness and trust dimensions of fintech adoption did not have a significant effect on the perceived organizational performance. Within the scope of the study, 15 mediation hypotheses were found. As a result of the mediation analysis, no significant effect of the innovativeness dimension of technological aptitude on perceived organizational performance was found. Based on this, it has been determined that the innovativeness dimension of technological aptitude does not have a mediating role in the effect of Fintech adoption on perceived organizational performance. The optimism dimension of technological disposition has a mediating role in the effect of social impact and perceived ease of use dimensions of fintech adoption on perceived organizational performance. At the same time, the mediating role of the usability dimension of technological aptitude was determined in the effect of social impact, attitude and perceived ease of use dimensions of Fintech adoption on perceived organizational performance.
This study was conducted to determine the mediating role of technological aptitude in the effect of the adoption of the products and services offered by financial technology companies that emerged after the 2008 world economic crisis on the perceived organizational performance. Financial technology companies offer services such as payments/money transfer, cryptocurrency, insurance, etc. Based on this, the universe of this study consists of food, insurance and informatics sector employees who adopt the payment services offered by fintech companies. Food, insurance and informatics sector employees who adopted the payment service of fintech companies in Düzce, which were selected by convenience sampling method, were selected as the sample group on the grounds that the entire population could not be reached. Data were collected from the participants by face-to-face survey technique. Analyzes were carried out using the SPSS 23 and AMOS programs with the 434 error-free data collected. Within the scope of the study, the scale of adoption of fintech products and services, whose validity and reliability analyzes were carried out, was prepared. In addition, descriptive statistics, CFA, EFA and mediation analyzes were applied to the obtained data. In the analyzes made, a 5-dimensional fintech adoption scale was obtained: trust, perceived usefulness, attitude, social impact and perceived ease of use. While the perceived organizational performance consists of one dimension, the technological aptitude scale consists of the dimensions of optimism, innovativeness and usefulness. As a result of the mediation analysis, attitude, social impact and perceived ease of use dimensions of fintech adoption positively affect the perceived organizational performance. The perceived usefulness and trust dimensions of fintech adoption did not have a significant effect on the perceived organizational performance. Within the scope of the study, 15 mediation hypotheses were found. As a result of the mediation analysis, no significant effect of the innovativeness dimension of technological aptitude on perceived organizational performance was found. Based on this, it has been determined that the innovativeness dimension of technological aptitude does not have a mediating role in the effect of Fintech adoption on perceived organizational performance. The optimism dimension of technological disposition has a mediating role in the effect of social impact and perceived ease of use dimensions of fintech adoption on perceived organizational performance. At the same time, the mediating role of the usability dimension of technological aptitude was determined in the effect of social impact, attitude and perceived ease of use dimensions of Fintech adoption on perceived organizational performance.
Açıklama
Anahtar Kelimeler
İşletme, Business Administration
