TY  - JOUR
T1  - Digital Financial Inclusion and its Determinants: Evidence from Türkiye
TT  - Dijital Finansal Kapsayıcılık ve Belirleyicileri: Türkiye Örneği
AU  - Güz, Tuğba
AU  - Poyraz, Gülden
PY  - 2024
DA  - December
Y2  - 2024
DO  - 10.30784/epfad.1517200
JF  - Ekonomi Politika ve Finans Araştırmaları Dergisi
JO  - EPF Journal
PB  - Economic and Financial Research Association
WT  - DergiPark
SN  - 2587-151X
SP  - 700
EP  - 714
VL  - 9
IS  - 4
LA  - en
AB  - Facilitating participation in the financial system through digital technologies became important to identify the determinants of Digital Financial Inclusion (DFI). In this context, the study aims to examine the use and accessibility of DFI and measure it specifically for Türkiye. The data is divided into two categories: demographic variables (gender, age, income, and education level) and variables related to DFI (account ownership, ownership of mobile money account, saving, and borrowing) and was compiled from the Global Findex Database 2021. Considering the binary structure of the dependent variable, the probit model was used in the study. Although our model findings indicate that demographic characteristics such as gender, education, and income have a significant effect on account ownership and savings, when marginal effects are taken into account, education is the strongest determinant of DFI. Regarding the income level, the coefficient estimates for the four income quintiles were found statistically significant. However, for lower-income quintiles, particularly the poorest 20 percent and the second 20 percent, the probability of being financially included was found to be significantly lower. When all variables are taken into consideration, women are more financially excluded than men, and there is significant gender inequality, especially in terms of account ownership.
KW  - Digital Financial Inclusion
KW  - Digital Technologies
KW  - Digital Finance
KW  - Banking sector
N2  - Dijital teknolojiler aracılığı ile finansal sisteme katılımın kolaylaşması, Dijital Finansal Kapsayıcılığın (DFK) belirleyicilerinin tespit edilmesi açısından önemli hale gelmiştir. Bu kapsamda çalışmada, DFK’nın kullanımı ve erişebilirliği incelenerek, Türkiye özelinde ölçülmesi amaçlanmıştır. Veriler, demografik değişkenler (cinsiyet, yaş, gelir ve eğitim düzeyi) ve DFK ilgili değişkenler (hesap sahipliği, mobil para hesap sahipliği, tasarruf ve borçlanma) olmak üzere iki kategoriye ayrılmış olup Global Findex Database 2021 veri tabanından derlenmiştir. Bağımlı değişkenin binary yapısı göz önüne alındığında çalışmada probit model kullanılmıştır. Model bulgularımız cinsiyet, eğitim ve gelir gibi demografik özelliklerin, hesap sahipliği ve tasarruf üzerinde önemli bir etkiye sahip olduğunu işaret etse de marjinal etkiler dikkate alındığında DFK’nın en güçlü belirleyicisinin eğitim olduğunu göstermektedir. Gelir düzeyine ilişkin olarak dört gelir dilimine ilişkin katsayı tahminleri istatistiksel olarak anlamlı bulunmuştur. Bununla birlikte, daha düşük gelir dilimleri için, özellikle en yoksul %20’lik kesim ile ikinci %20'lik kesimin finansal açıdan dahil olma olasılıkları önemli ölçüde düşük bulunmuştur. Tüm değişkenler göz önüne alındığında, kadınların finansal olarak erkeklere göre daha fazla dışlandığı, özellikle hesap sahipliği açısından önemli bir cinsiyet eşitsizliğinin var olduğu görülmektedir.
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UR  - https://doi.org/10.30784/epfad.1517200
L1  - https://dergipark.org.tr/en/download/article-file/4075037
ER  -