Finansal Okuryazarlık ve Dijitalleşme: Katılım Bankası Bireysel Müşterileri Üzerine İnceleme

Year 2025, Volume: 10 Issue: 1, 608 - 620, 30.06.2025

Yunus Kutval

Abstract

Bu araştırmanın amacı, Türkiye’de faaliyet gösteren katılım bankalarının (İslamî Bankacılık) bireysel müşterilerinin finansal okuryazarlık ve dijitalleşme tutumlarını incelemektir. Bu kapsamda, 404 katılımcıya anket uygulanmıştır. Veriler, Smart PLS 4.1.1.2 yazılımıyla Yapısal Eşitlik Modellemesi (YEM) yöntemiyle analiz edilmiştir. Sonuçlar, Finansal Bilgi (FB) değişkeninin Finansal Davranış (FD) ve Finansal Tutum (FT) üzerindeki etkisinin en güçlü ilişki olduğunu göstermiştir. Ayrıca, Dijital Finansal Tutum (DFT) değişkeninin Dijital Finansal Davranış (DFD) ve Finansal Davranış (FD) üzerindeki etkileri dikkat çekicidir. Tüm değişkenler anlamlı etkiler göstermiş, çalışmanın açıklayıcı gücünü artırmıştır. Bulgular, katılım bankalarının müşteri tutumlarını anlamaları ve yenilikçi ürünler sunmaları için önemli veriler sunmaktadır. Türkiye’de bu alanda sınırlı çalışma olduğundan, araştırma literatüre değerli bir katkı sağlamaktadır.

Keywords

Katılım Bankacılığı, Finansal okuryazarlık, Dijitalleşme, Din Ekonomisi

Ethical Statement

Bu çalışma, etik ilkeler ve bilimsel standartlar doğrultusunda gerçekleştirilmiştir. Araştırma kapsamında elde edilen veriler, katılımcıların gönüllü onayı alınarak toplanmıştır. Katılımcıların kimlik bilgileri gizli tutulmuş ve kişisel verileri korunmuştur. Araştırma sürecinde, herhangi bir çıkar çatışması bulunmamaktadır. Ayrıca, çalışma sırasında hiçbir şekilde etik dışı bir uygulama yapılmamış, dürüstlük ve şeffaflık ilkelerine bağlı kalınmıştır. Araştırmada kullanılan tüm kaynaklar uygun şekilde atıf yapılarak belirtilmiştir. Bu çalışma, ilgili etik kurullardan gerekli izinler alınarak yürütülmüştür. Çalışmanın İngilizceye çevrilme sürecinde çeşitli dil programlarından destek alınmıştır (Chat GPT, Monica, Deepl).

Financial Literacy and Digitalization: A Study on Individual Customers of Participation Banks

Abstract

The purpose of this research is to examine the financial literacy and digitalization attitudes of individual customers of participation banks (Islamic Banking) operating in Turkey. Within this scope, a survey was conducted with 404 participants. The data were analyzed using the Structural Equation Modeling (SEM) method with Smart PLS 4.1.1.2 software. The results revealed that the strongest relationship is the effect of Financial Knowledge (FK) variable on Financial Behavior (FB) and Financial Attitude (FA). Additionally, the effects of Digital Financial Attitude (DFA) variable on Digital Financial Behavior (DFB) and Financial Behavior (FB) are noteworthy. All variables showed significant effects, increasing the explanatory power of the study. The findings provide important data for participation banks to understand customer attitudes and offer innovative products. Given the limited number of studies in this field in Turkey, the research offers a valuable contribution to the literature.

Keywords

Participation Banking, Financial Literacy, Digitalization, Economics of Religion

Ethical Statement

This study has been conducted in accordance with ethical principles and scientific standards. The data obtained within the scope of the research were collected with the voluntary consent of the participants. The identities of the participants have been kept confidential, and their personal data have been protected. There is no conflict of interest during the research process. Furthermore, no unethical practices were carried out during the study, and the principles of honesty and transparency were adhered to. All sources used in the research have been appropriately cited. This study was conducted with the necessary permissions obtained from the relevant ethics committees. Various language programs (Chat GPT, Monica, Deepl) were utilized for support during the translation process of the study into English.

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