Research on Digital Transformation in Mortgage Loans

Abstract

In the study, exploratory qualitative research was conducted using the Unified Technology Acceptance and Use Theory 2 model in order to analyze the factors affecting the acceptance of digitalization by mortgage loans’ consumers. Unstructured interviews were conducted with 21 people working in the head office of a private bank, using the instrumental case study pattern. The themes obtained regarding to the content analysis of the data were evaluated within the scope of the Unified Technology Acceptance and Use Theory 2 model and the "perceived risk", "innovation" and "trust" variables included in the model. As a result of the exploratory qualitative research, performance expectation, effort expectancy, social impact, facilitating conditions, hedonic motivation, habit, perceived value, behavioral intention variables in the Unified Technology Acceptance and Use Theory 2 and perceived risk, innovativeness, trust variables included in the model were found to be significant. According to study, age, education level, experience, except gender have an effect on adoption and using intention of the e-mortgage.