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Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye

Year 2024, Volume: 32 Issue: 61, 47 - 69, 30.07.2024

Cihan Yılmaz Hakan Yıldırım

https://doi.org/10.17233/sosyoekonomi.2024.03.04

Abstract

This study investigates the impact of digitalisation in financial inclusion on the financial performance of deposit banks operating in Türkiye between 2010 and 2021. The study's dependent variables are the financial performance indicators, namely the return on assets (ROA) and return on equity (ROE). The number of ATMs and data related to Internet banking are explanatory variables, while asset size, equity ratio, and economic growth are control variables. The analyses conducted using the Two-Step System GMM method reveal that the lagged values of profitability indicators, the number of internet banking customers, financial transactions made through internet banking, equity ratio, asset size, and economic growth have a positive effect on profitability, while the number of ATMs has a negative impact.

Keywords

Financial Inclusion Digitalization Internet Banking Profitability

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Finansal Tabana Yayılmadaki Dijitalleşmenin Türkiye’deki Mevduat Bankalarının Finansal Performansları Üzerine Etkisinin Araştırılması

Year 2024, Volume: 32 Issue: 61, 47 - 69, 30.07.2024

Cihan Yılmaz Hakan Yıldırım

https://doi.org/10.17233/sosyoekonomi.2024.03.04

Abstract

Bu çalışmanın amacı, 2010-2021 döneminde finansal tabana yayılmadaki dijitalleşmenin Türkiye’de faaliyet gösteren mevduat bankalarının finansal performansları üzerindeki etkisinin araştırılmasıdır. Çalışmanın bağımlı değişkenleri; finansal performans göstergeleri olarak aktif kârlılık oranı (ROA) ve özsermaye kârlılık oranı (ROE)’dir. ATM sayısı ile internet bankacılığına ilişkin veriler açıklayıcı değişkenler olup aktif büyüklüğü, özsermaye oranı ve ekonomik büyüme ise kontrol değişkenleridir. İki Aşamalı Sistem GMM yöntemi ile yapılan analizler neticesinde; kârlılık göstergelerinin gecikmeli değerleri, internet bankacılığı müşteri sayısı, internet bankacılığı ile yapılan finansal işlemler, özsermaye oranı, aktif büyüklüğü ve ekonomik büyümenin kârlılık üzerinde pozitif, ATM sayısının ise negatif etkili olduğu tespit edilmiştir.

Keywords

Finansal Tabana Yayılma Dijitalleşme İnternet Bankacılığı Kârlılık

References

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There are 114 citations in total.

Details

Primary Language English
Subjects Monetary-Banking
Journal Section Articles
Authors

Cihan Yılmaz 0000-0001-8620-4888

Hakan Yıldırım 0000-0002-3173-0247

Early Pub Date July 21, 2024
Publication Date July 30, 2024
Submission Date November 8, 2023
Acceptance Date May 4, 2024
Published in Issue Year 2024 Volume: 32 Issue: 61

Cite

APA Yılmaz, C., & Yıldırım, H. (2024). Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye. Sosyoekonomi, 32(61), 47-69. https://doi.org/10.17233/sosyoekonomi.2024.03.04
AMA Yılmaz C, Yıldırım H. Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye. Sosyoekonomi. July 2024;32(61):47-69. doi:10.17233/sosyoekonomi.2024.03.04
Chicago Yılmaz, Cihan, and Hakan Yıldırım. “Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye”. Sosyoekonomi 32, no. 61 (July 2024): 47-69. https://doi.org/10.17233/sosyoekonomi.2024.03.04.
EndNote Yılmaz C, Yıldırım H (July 1, 2024) Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye. Sosyoekonomi 32 61 47–69.
IEEE C. Yılmaz and H. Yıldırım, “Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye”, Sosyoekonomi, vol. 32, no. 61, pp. 47–69, 2024, doi: 10.17233/sosyoekonomi.2024.03.04.
ISNAD Yılmaz, Cihan - Yıldırım, Hakan. “Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye”. Sosyoekonomi 32/61 (July 2024), 47-69. https://doi.org/10.17233/sosyoekonomi.2024.03.04.
JAMA Yılmaz C, Yıldırım H. Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye. Sosyoekonomi. 2024;32:47–69.
MLA Yılmaz, Cihan and Hakan Yıldırım. “Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye”. Sosyoekonomi, vol. 32, no. 61, 2024, pp. 47-69, doi:10.17233/sosyoekonomi.2024.03.04.
Vancouver Yılmaz C, Yıldırım H. Investigating the Effect of Digitalization in Financial Inclusion on the Financial Performance of Deposit Banks in Türkiye. Sosyoekonomi. 2024;32(61):47-69.
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