Özet:

Participation banking, which is also called as Islamic banking, Interest-free banking or Alternative banking in the international field (literature), is the type of banking preferred by financial consumers who do not want to obtain interest yield. The participation banks in Turkey since 1983, "special finance institution" has started to operate under the name, after 2005 the "participation banks" continued to work under the name. Recently, the introduction of some public banks into the participation banking sector will probably contribute to the growth of the sector. Therefore, it is thought that researches about participation banks which are assumed to have an important place in the banking sector in the near future will lead to the development of this sector. In this context, the aim of the study is to determine the factors affecting the use of alternative banking and to create a new acceptance model. This study has a quantitative research design and the data were collected from the participants in six provinces - Trabzon, Ordu, Giresun, Rize, Artvin and Gumushane - in the TR90 region. The data obtained from the study were analyzed according to both descriptive and structural analysis techniques. SPSS and AMOS package programs were used for data analyses. . As a result, while compliance, private norms, external effects and anxiety in the use of participation banking had a positive impact on the customer's perceived usefulness, facilitating conditions, confidence and self-efficacy did not positively affect the customer's perceived benefit. Moreover, while compliance, facilitating conditions, anxiety and confidence in the use of participation banking positively affected the customer's perceived ease of use, private norms, external effects and self-efficacy did not positively affect the customer's perceived ease of use.

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