Vol. 10 No. 2 (2022): Business & Management Studies: An International Journal

Recommendations for financial capabilities and technological applications in pandemic online purchasing behaviour: Evidence from Turkey


Published 2022-06-25


  • Pandemi Kaygısı, Finansal Yetenekler, Teknoloji Kullanımı, Çevrimiçi Satın Alma
  • Pandemic Anxiety, Financial Capabilities, Technology Use, Online Purchasing

How to Cite

AHMETOĞULLARI, K. (2022). Recommendations for financial capabilities and technological applications in pandemic online purchasing behaviour: Evidence from Turkey. Business & Management Studies: An International Journal, 10(2), 683–702. https://doi.org/10.15295/bmij.v10i2.2032


This study determines the factors affecting online purchasing behaviour during the pandemic period. In other words, the role of financial skills and technology use in online purchasing due to the pandemic anxiety that emerged during the pandemic period is examined in Turkey. In the study, individuals who have used online purchasing in Turkey at least once were determined as a sample. The quantitative study evaluated exploratory factor, correlation, multiple regression and difference tests by collecting cross-sectional data with the SPSS package program. According to the exploratory factor analysis results, financial capabilities were collected in the dimensions of mobile banking usage, attitude towards payment and risk tolerance, financial advice, attitude towards financial service risk and financial attitude. Pandemic anxiety is gathered in one dimension. On the other hand, technology use is divided into smartphone use, and social media use factors. The results of multiple regression analysis determined that digital banking usage, financial attitude, smartphone usage, social media usage and pandemic anxiety had a statistically significant and positive effect on online purchasing. On the other hand, attitudes towards payment and risk tolerance significantly and negatively affect online purchasing. It has also been found that previous banking experience and education level play an important role in online purchasing.


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