Abstract:

In this study, the research was conducted with the aim of analysing the factors affecting the acceptance of digitalization by users in housing loans using the combined technology acceptance and use theory 2 model. There were unstructured talks with 21 people working in the general management unit of a private bank, taking advantage of the model of vehicle status work. The subjects obtained as a result of data content analysis have been evaluated within the framework of the combined technology acceptance and use theory 2 model and the variables included in this model as "conscious risk", "innovation", "security". The research has found that the use of electronic housing loans has been influenced by the performance expectancy, effort expectancy, social impact, facilitating conditions, hedonic motivation, habit, perceived value, behavioral intention and model included perceived risk, innovation, confidence variables. It has been determined that age, level of education and experience have an impact on the use of technology, and that there is no influence of gender. * This article is written in the Institute of Social Sciences of the University of Istinye. by Dr. The master's thesis in Fahri ERENEL consultation is derived from the master's thesis entitled "Banking Sector in the Digitalization Process: Digital Transformation and Effects in Housing Loans" prepared by Gülbeyaz ÇALIŞ in the 2020-2021 year.

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