Dijital Finansal Okuryazarlığın Yatırım Tercihlerine Etkisi

Year 2024, Volume: 11 Issue: 1, 56 - 78, 08.01.2024

Özlem Saydar

Abstract

Son yıllarda hemen her alanda kullanılmaya başlayan dijitalleşme, finansal ürün ve hizmetlerin de zamanla değişim ve dönüşüme uğramasına neden olmuştur. Dijital finansal okuryazarlık kavramı finansal işlemler için finansal teknolojiye dayalı ürün ve hizmetleri kullanan kişilerin risk algısını ve yatırım kararlarını etkileyebilecek potansiyele sahiptir. Çalışmanın hazırlanma gerekçesi finansal teknolojinin Türkiye’deki yatırımcılar arasında bilinirliğini araştırarak dijital finansal okuryazarlığın yatırım kararlarına etkisini incelemektir. Çalışmaya finansal kararlarda dijital dünyanın ne derece etkili olduğunu araştırmak ve Türkiye piyasasında faaliyet gösteren yatırımcıların dijital okuryazarlık seviyelerini görmek amacıyla ihtiyaç duyulmuştur. Yatırımcıların finansal işlemlerde teknoloji kullanımı konusundaki farkındalıkları ölçülmeye çalışılmıştır. Bu kapsamda finans piyasalarında aktif yatırımı bulunan 307 kişiden anket yöntemiyle elde edilen bilgiler derlenerek regresyon analizi yapılmıştır. Araştırma için tümü internet erişimi yoluyla olmak üzere 500 bireysel yatırımcıya anket formu gönderilmiş, bunlardan 307 geçerli anket analize dahil edilmiştir. Analiz sonuçlarına göre yatırımcıların dijital finansal okuryazarlıkları geliştikçe finansal teknolojiye dayalı yatırım ürünlerini tercih etme eğilimlerinin artacağı ortaya konulmuştur.

Keywords

Dijital finansal okuryazarlık, yatırım tercihi, finansal okuryazarlık, finansal teknoloji

The Effect of Digital Financial Literacy on Investment Preference

Abstract

Digitalization, which has been used in almost every field in recent years, has also caused financial products and services to change and transform over time. The aim of the study is to examine the effect of digital financial literacy on investment decisions by investigating the awareness of financial technology among investors in Turkey. The study was needed to investigate how effective the digital world is in financial decisions and to see the digital literacy levels of investors operating in the Turkish market. It has been tried to measure the awareness of investors about the use of technology. For the research, a questionnaire was sent to 500 individual investors, all via Internet access, and 307 valid questionnaires were included in the analysis. According to the results, it has been revealed that as the digital financial literacy of investors improves, their tendency to prefer investment products based on financial technology will increase.

Keywords

Dijital finansal okuryazarlık, yatırım tercihi, finansal okuryazarlık, finansal teknoloji

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