A model study for determining the factors affecting alternative banking usage

Participationbanking, which is alsocalled as Islamicbanking, Interest-freebankingorAlternativebanking in theinternationalfield (literature), is thetype of bankingpreferredbyfinancialconsumerswho do not wanttoobtaininterestyield. Theparticipationbanks in Turkey since 1983, "special finance institution" has startedtooperateunderthe name, after 2005 the "participationbanks" continuedtoworkunderthe name. Recently, theintroduction of somepublicbanksintotheparticipationbankingsectorwillprobablycontributetothegrowth of thesector. Therefore, it is thoughtthatresearchesaboutparticipationbankswhichareassumedtohave an importantplace in thebankingsector in thenearfuturewillleadtothedevelopment of thissector. Inthiscontext, theaim of thestudy is todeterminethefactorsaffectingtheuse of alternativebankingandtocreate a newacceptance model. Thisstudy has a quantitativeresearchdesignandThe data werecollectedfromtheparticipants in sixprovinces - Trabzon, Ordu, Giresun, Rize, Artvin andGumushane - in the TR90 region. Thedataobtainedfromthestudywereanalysedaccordingtobothdescriptiveandstructuralanalysistechniques. SPSS and AMOS packageprogramswereusedfortheanalysis of theseanalyses.As a result, whilecompliance, privatenorms, externaleffectsandanxiety in theuse of participationbanking had a positiveimpact on thecustomer'sperceivedusefulness, facilitatingconditions, confidenceand self-efficacydid not positivelyaffectthecustomer'sperceivedbenefit. Moreover, whilecompliance, facilitatingconditions, anxietyandconfidence in theuse of participationbankingpositivelyaffectedthecustomer'sperceivedease of use, privatenorms, externaleffectsand self-efficacydid not positivelyaffectthecustomer'sperceivedease of use. Inaddition, perceivedease of useandperceivedusefulness in theuse of participationbanking is thecustomer'sattitude, customer'sattitude is his intentionandcustomer'sintention is his behaviourpositivelyaffected. Keywords: AlternativeBanking, ParticipationBanking, Acceptance Model, Factor Analysis