A Study on The Factors of Financial Freedom Influencing Digital Financial Usage: Empirical Evidence Through Data Mining Techniques

Haşim Bağcı; Ömer Faruk Rençber; Ceyda Yerdelen Kaygın

doi:10.16951/trendbusecon.1590034

EN TR

A Study on The Factors of Financial Freedom Influencing Digital Financial Usage: Empirical Evidence Through Data Mining Techniques

Abstract

The study examined the financial freedom factors that are effective in the use of digital finance. In order to conduct this examination, first of all, all countries in the world in the research sample were clustered according to their levels of digital finance use, and then the financial freedom factors that are effective in the use of digital finance were determined. The reason for studying this topic is that it is thought that digitalization will positively affect the financial freedom, financial participation, financial development and economic growth of countries and that digitalization will be used as a tool in this regard. The importance of the impact of digital finance on financial participation and freedom emerges when financial services are offered equally to society without making any distinction between the poor and the rich. One of the ways to achieve sustainable economic growth is to provide and strengthen economic freedom through digital finance. However, there are some restrictions and obstacles encountered on this path. Despite these problems, as a result of the analysis, it has been determined that countries with high digital finance usage are both more economically free and more financially developed.

Keywords

Digitalization , Digital Finance , Financial Inclusion , Economic Freedom , Data Mining Technique

Dijital Finans Kullanımlarında Etkili Olan Finansal Serbestlik Faktörleri Üzerine Bir İnceleme: Veri Madenciliği Teknikleri ile Ampirik Kanıtlar

Öz

Yapılan çalışmada dijital finans kullanımında etkili olan finansal serbestlik faktörleri incelenmiştir. Bu incelemeyi yapabilmek için öncelikle araştırma örneklemindeki tüm dünya ülkeleri dijital finans kullanım düzeylerine göre kümelenmiş, ardından ise dijital finans kullanımında etkili olan finansal serbestlik faktörleri saptanmıştır. Bu konunun çalışılma sebebi dijitalleşme ile ülkelerin finansal özgürlük, finansal katılım, finansal kalkınma ve ekonomik büyümelerinin pozitif yönde etkileneceği ve dijitalleşmenin bu konuda araç olarak kullanılacağı düşünülmektedir. Dijital finansın finansal katılıma ve özgürlüğe etkisinin önemi; finansal hizmetlerin fakir, zengin ayrımı yapılmaksızın topluma eşit olarak sunulduğunda ortaya çıkmaktadır. Sürdürülebilir bir ekonomik büyümenin yollarından biri ekonomik özgürlüğü dijital finans yoluyla sağlamak ve güçlendirmekten geçmektedir. Ancak bu yolda karşılaşılan bazı kısıtlamalar ve engeller yer almaktadır. Bu problemlere rağmen analizler sonucunda dijital finans kullanımı yüksek olan ülkelerin hem ekonomik açıdan daha özgür hem de finansal açıdan daha gelişmiş durumda oldukları tespit edilmiştir.

Anahtar Kelimeler

Dijitalleşme , Dijital Finans , Finansal Katılım , Ekonomik Özgürlük , Veri Madenciliği Tekniği

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Details

Primary Language

English

Subjects

International Finance , Financial Markets and Institutions

Journal Section

Research Article

Authors

Haşim Bağcı ^*
0000-0002-5828-2050
Türkiye

Ömer Faruk Rençber
0000-0001-8020-2750
Türkiye

Ceyda Yerdelen Kaygın
0000-0001-9544-9991
Türkiye

Publication Date

March 31, 2026

Submission Date

November 23, 2024

Acceptance Date

December 22, 2025

Published in Issue

Year 1970 Volume: 40 Number: 2

DOI

https://doi.org/10.16951/trendbusecon.1590034

IZ

https://izlik.org/JA78TD24YJ

APA

Bağcı, H., Rençber, Ö. F., & Yerdelen Kaygın, C. (2026). A Study on The Factors of Financial Freedom Influencing Digital Financial Usage: Empirical Evidence Through Data Mining Techniques. Trends in Business and Economics, 40(2), 236-246. https://doi.org/10.16951/trendbusecon.1590034

Content of this journal is licensed under a Creative Commons Attribution 4.0 International License

29928

A Study on The Factors of Financial Freedom Influencing Digital Financial Usage: Empirical Evidence Through Data Mining Techniques

Abstract

Keywords

Dijital Finans Kullanımlarında Etkili Olan Finansal Serbestlik Faktörleri Üzerine Bir İnceleme: Veri Madenciliği Teknikleri ile Ampirik Kanıtlar

Öz

Anahtar Kelimeler

References

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Primary Language

Subjects

Journal Section

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Publication Date

Submission Date

Acceptance Date

Published in Issue

DOI

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