Z KUŞAĞI PERSPEKTİFİNDEN FİNANSAL DİJİTALLEŞME VE FİNANSAL OKURYAZARLIK İLİŞKİSİ

Öz

Bu çalışma, Z kuşağı perspektifinden finansal okuryazarlık ile finansal dijitalleşme arasındaki ilişkiyi incelemeyi amaçlamaktadır. Araştırma, 111 katılımcıdan elde edilen verilerle yürütülmüş olup finansal bilgi, finansal tutum, finansal davranış, dijital finansal tutum ve dijital finansal kullanım olmak üzere beş temel boyutu kapsamaktadır. Güvenirlik analizleri, ölçeklerin büyük ölçüde yüksek iç tutarlılığa sahip olduğunu göstermiş; yalnızca dijital finansal tutum boyutunun orta düzeyde bir güvenirlik sunduğu belirlenmiştir. Bulgular, katılımcıların finansal tutum düzeylerinin diğer tüm faktörlere kıyasla daha yüksek olduğunu, finansal bilgi ve davranış düzeylerinin ise görece daha düşük kaldığını ortaya koymaktadır. Pearson korelasyon analizi, finansal tutum ile finansal davranış arasında güçlü bir ilişki (r = .79), dijital tutum ile dijital kullanım arasında ise anlamlı ve orta-yüksek düzeyde bir ilişki (r = .62) bulunduğunu göstermiştir. Ayrıca finansal davranış ile dijital kullanım arasındaki yüksek korelasyon (r = .75), dijital finansal araçların geleneksel finansal davranışları tamamlayıcı nitelikte olduğunu göstermektedir. Cinsiyet ve eğitim düzeyine göre yapılan karşılaştırmalarda ise tüm faktörlerde anlamlı bir farklılık bulunmamıştır. Sonuç olarak çalışma, Z kuşağının finansal tutum açısından güçlü bir profile sahip olduğunu, ancak bilgi ve davranış düzeylerinin tutumlarını tam olarak desteklemediğini göstermekte; dijitalleşmenin finansal davranışlar üzerindeki bütünleştirici etkisini vurgulamaktadır.

Anahtar Kelimeler

• Finansal Okuryazarlık
• Dijital Finans
• Z Kuşağı
• Parametrik Testler
• Non-Parametrik Testler

THE RELATIONSHIP BETWEEN FINANCIAL DIGITALIZATION AND FINANCIAL LITERACY FROM A GENERATION Z PERSPECTIVE

Öz

This study aims to examine the relationship between financial literacy and financial digitalization from the perspective of Generation Z. The research was conducted with data collected from 111 participants and includes five main dimensions: financial knowledge, financial attitude, financial behavior, digital financial attitude, and digital financial usage. Reliability analyses indicated that the scales generally demonstrated high internal consistency, while the digital financial attitude dimension showed moderate reliability. The findings revealed that participants exhibited the highest scores in financial attitudes, whereas financial knowledge and financial behavior remained relatively lower. Pearson correlation results showed a strong relationship between financial attitude and financial behavior (r = .79), as well as a significant and moderately high correlation between digital financial attitude and digital financial usage (r = .62). Additionally, the strong correlation between financial behavior and digital financial usage (r = .75) suggests that digital financial tools function as an extension of traditional financial behaviors. Comparisons by gender and education level indicated no significant differences across all factors. Overall, the study demonstrates that while Generation Z possesses strong financial attitudes, their knowledge and behavioral levels do not fully align with these attitudes; furthermore, digitalization appears to have an integrative effect on financial behaviors.

Anahtar Kelimeler

• Financial Literacy
• Digital Finance
• Generation Z
• Parametric Tests
• Non-Parametric Tests

Kaynakça

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