The Effect of Financial Inclusion on Economic Development Through Artificial Intelligence Supported FinTech Applications: An Empirical Study on Undergraduate Students

Öz

Bu makalenin amacı, finansal katılımın bariyer ve kullanım boyutlarının ekonomik kalkınmasının insanı gelişmişlik endeksi ve sermaye başına gelir boyutları üzerindeki olası etkilerinin FinTech’in güven, yeninden kullanma niyeti ve sürdürülebilirlik boyutlarının aracı etkisiyle değişip değişmediğini ortaya koyabilmektir. Veri toplama aracı olarak anket kullanılmıştır. Anket internet ortamında hazırlanmış ve lisans öğrencilerine bir link vasıtasıyla gönderilmiştir. Araştırmaya 232 gönüllü lisans öğrencisi katılmıştır. Verilerin analizinde demografik istatistikler, açıklayıcı faktör analizi (AFA), korelasyon ve Bootstrap yöntemine göre mediatör (aracı) analizleri yapılmıştır. Araştırmanın bulgularına göre; finansal katılımın bariyer boyutunun ekonomik katılımın insani gelişme boyutu üzerindeki doğrudan etkisinin FinTech boyutlarının aracı etkisiyle azaldığı, ekonomik katılımın sermaye başına gelir boyutu üzerindeki etkisinin FinTech boyutlarının aracı etkisiyle arttığı görülmektedir. Araştırmanın diğer bulgusu ise finansal katılımın kullanım boyutunun ekonomik katılımın insani gelişme boyutu üzerindeki doğrudan etkisinin FinTech boyutlarının aracı etkisiyle azaldığı, ekonomik katılımın sermaye başına gelir boyutu üzerindeki etkisinin FinTech boyutlarının aracı etkisiyle azaldığı şeklindedir.

Anahtar Kelimeler

• FinTech (Financial Technology)
• Financial Inclusion
• Banking
• Economic Development

Yapay Zekâ Destekli FinTech’in Aracılığıyla Finansal Katılımın Ekonomik Kalkınma Üzerindeki Etkisi: Lisans Öğrencileri Üzerine Ampirik Bir Çalışma

Öz

The aim of this article is to reveal whether the possible effects of the barrier and usage dimensions of financial inclusion on the human development index and income per capital dimensions of economic development change with the mediating effect of FinTech's trust, reuse intention and sustainability dimensions. A survey was used as a data collection tool. The survey was prepared online and sent to undergraduate students via a link. 232 volunteer undergraduate students participated in the research. In the analysis of the data, demographic statistics, explanatory factor analysis (EFA), correlation and mediator analyze were performed according to the Bootstrap method. According to the findings of the research, it is seen that the direct effect of the barrier dimension of financial participation on the human development dimension of economic participation decreases with the mediating effect of FinTech dimensions, while the effect of economic participation on the income per capital dimension increases with the mediating effect of FinTech dimensions. Another finding of the research is that the direct effect of the usage dimension of financial participation on the human development dimension of economic participation decreases with the mediating effect of FinTech dimensions, and the effect of economic participation on the income per capital dimension decreases with the mediating effect of FinTech dimensions.

Anahtar Kelimeler

• FinTech (Finansal Teknoloji)
• Finansal Katılım
• Bankacılık
• Ekonomik Kalkınma

Kaynakça

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