Dynamics of Digital Financial Inclusion in Türkiye

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dc.authoridCanatan, Behice/0000-0001-9588-386X
dc.authoridOzbilge, Gokhan/0000-0002-9060-091X
dc.contributor.authorCanatan, Behice
dc.contributor.authorAkboz-Caner, Ayse
dc.contributor.authorOzbilge, Gokhan
dc.date.accessioned2025-03-17T12:25:22Z
dc.date.available2025-03-17T12:25:22Z
dc.date.issued2024
dc.departmentTarsus Üniversitesi
dc.description.abstractThis study examined the dynamics of different levels of digital financial inclusion (DFI) in T & uuml;rkiye within the framework of individuals' basic financial behaviours and socioeconomic conditions and investigated factors that may affect the utilisa-tion rate of DFI. Accordingly, findings from the 2017-2021 World Bank Global Findex dataset were estimated using the ordered logit model. The concept of DFI, which is becoming increasingly important, underscores that financial systems should have two basic conditions. First, the ability of those who can access financial systems digitally should be as high as possible. Second, these actors with access to financial systems should also have sufficient utilisation rates of the relevant financial instruments. In this respect, by focusing on the determinants of this second condition, the study fills a gap in the literature and provides clues for policy recommendations. These findings provide empirical evidence for our motivation. In this respect, the results clearly show that socioeconomic factors, such as education level and income level, as well as financial behaviours, such as formal savings and borrowing, should be taken into account when expanding DFI.
dc.identifier.doi10.26650/ibr.2024.53.1232448
dc.identifier.issn2630-5488
dc.identifier.issue2
dc.identifier.scopusqualityN/A
dc.identifier.trdizinid1280297
dc.identifier.urihttps://doi.org/10.26650/ibr.2024.53.1232448
dc.identifier.urihttps://search.trdizin.gov.tr/tr/yayin/detay/1280297
dc.identifier.urihttps://hdl.handle.net/20.500.13099/1634
dc.identifier.volume53
dc.identifier.wosWOS:001333691100003
dc.identifier.wosqualityN/A
dc.indekslendigikaynakWeb of Science
dc.indekslendigikaynakTR-Dizin
dc.language.isoen
dc.publisherIstanbul Univ, Sch Business
dc.relation.ispartofIstanbul Business Research
dc.relation.publicationcategoryMakale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanı
dc.rightsinfo:eu-repo/semantics/openAccess
dc.snmzKA_WOS_20250316
dc.subjectDigital financial inclusion
dc.subjectFinancial behaviours
dc.subjectSocioeconomic factors
dc.subjectOrdered logit
dc.subjectGlobal findex
dc.titleDynamics of Digital Financial Inclusion in Türkiye
dc.typeArticle

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