Abstract:

With the fourth period of globalization, which began in the 1980s and is still ongoing, the technological advances in the field of information and communication have also made a remarkable impact on computer and internet use. The increased tendency of consumers to buy goods and services through the internet has revealed the need for a secure payment system in online shopping. In this context, the importance of the Virtual Card application, which is a reliable banking product for consumers’ online shopping, has emerged and the need for consumer perceptions of the Virtual Card to be considered as a subject of research. Factors affecting the acceptance of virtual card uses for the reliability of consumers' online shopping are studied by the Technology Admission Model. In the study of 490 consumers using virtual cards in online shopping, the acceptance of the use of virtual cards has been used by the Structural Equality Model (YEM). The results of the research show that in terms of behavior (use of virtual card in online shopping), the consumer's perceived benefit, perceived usability, attitude and level of behavioral intention have significant determining effects.

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