Merkez Bankası Dijital Para Birimleri (CBDC’ler) ve Kripto Paralar Hakkında Kamuoyu Bilgi ve Algısı: Üniversite Öğrencilerine Yönelik Bir Araştırma

Yıl 2024, Cilt: 14 Sayı: 3, 723 - 751, 30.09.2024

Güven Delice , Barış Aksoy , Necati Alp Erilli

https://doi.org/10.18074/ckuiibfd.1484234

Öz

Paranın elektronik biçimlerinin gelişmesiyle irlikte fiziksel paranın sistem içerisindeki zayıflayan rolü, yazılım tabanlı dijital paraların ortaya çıkmasıyla birlikte daha da gerilemeye başlamıştır. Ulusal ve uluslararası para sisteminde dijital paraların giderek yaygınlaşması, bu alanda önemli bir paradigma değişimine yol açmıştır. Ancak, günümüzün hızla gelişen teknolojik ortamında dijital paralara ilişkin farkındalığın yetersiz olması, önemli bir sorun olarak karşımızda durmaktadır. Bu araştırmada üniversite öğrencilerinin “CBDC’ler” ve “kripto paralar” konusundaki bilgi ve algılarının düzeyi ve beklentileri inceleme konusu yapılmıştır. Bu bağlamda Sivas Cumhuriyet Üniversitesi İktisadi ve İdari Bilimler Fakültesinde öğrenim gören 362 öğrenciden anket yöntemiyle veri toplanmıştır. Çalışmadan elde edilen bulgulara göre, dijital paralar sırasıyla, sağladıkları kolaylıklar, düşük işlem maliyetleri, anonimlik ve güvenilirlik boyutlarıyla ele alınmaktadırlar. Söz konusu paraların benimsenmesi ve kullanılmasında, teknolojik sorunların ve güven eksikliğinin engelleyici faktörler olarak işlev gördüğü anlaşılmaktadır. Özellikle kripto paralar bağlamında yeterince bilinmeyen teknolojinin, değerlerindeki aşırı değişkenliklerin ve siber hırsızlık konularının bu paralara mesafeli bir yaklaşıma sebebiyet verdiği görülmektedir.

Anahtar Kelimeler

Merkez bankası dijital parası, kripto para, dijital paralara ilişkin bilgi ve algı düzeyi

Kaynakça

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