Özet:

Past studies have suggested that increased use of FinTech services will lead to deepening of financial inclusion. Thus, the study aimed at examining what factors lead to increased use of FinTech services. The researchers thus focused on usage of Mobile banking apps which currently is the essential FinTech service from users’ perspective. Through secondary research, it was thought that perception of efficiency of features of mobile banking apps and digital literacy of app users will significantly affect perceived trust in the app. The purpose of this study is to identify significant antecedents of perceived trust in mobile banking apps and to investigate the effect of such antecedents on perceived trust. Structured questionnaire was developed with reference to past studies and used for data collection. 123 responses were analysed in SPSS. The results showed that perceived trust is significantly positively influenced by perception of efficiency of features of the app and digital literacy of users. Limitations and direction for future studies are given in the paper

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