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

Yıl 2024, Cilt: 9 Sayı: Special Issue, 90 - 103, 30.12.2024

Aysegul Kutbay

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

  • Alt, R., & Puschmann, T. (2016). Digitalisierung der Finanzindustrie. Berlin: Heidelberg: Springer Berlin Heidelberg.
  • Arner, D., Buckley , R., Zetzsche, D., & Veidt, R. (2020). Sustainability, FinTech and financial inclusion. European Business Organization Law Review, 21, 7-35.
  • Asongu, S., & Odhiambo, N. (2019). Mobile banking usage, quality of growth, inequality and poverty in developing countries. Information Development, 35(2), 303-318.
  • Birleşmiş Milletler, Türkiye (2024, 08 27). Birleşmiş Milletler Türkiye. Türkiye Sürdürülebilir Kalkınma Amaçları: https://turkiye.un.org/tr/sdgs/8 adresinden alındı
  • Cámara, N., & Tuesta, D. (2014). Measuring financial inclusion: A muldimensional index. BBVA Research Paper, 14-26.
  • Dahiya , S., & Kumar, M. (2020). Linkage between financial inclusion and economic growth: An empirical study of the emerging Indian economy. Vision, 24(2), 184-193. Vision, 24(2), Vision.
  • Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex database 2017: measuring financial inclusion and the Fintech revolution. Washington DC: World Bank. https://openknowledge.worldbank.org/handle/10986/29510 adresinden alındı
  • Dev, S. (2006). Financial inclusion: Issues and challenges. Economic and Political Weekly, 41(41), 4310–4313.
  • Duma, F., & Raluca Gligor, M. (2018). Study Regardıng Romanıan Students'perceptıon And Behavıour Concernıng The Fıntech Area Wıth A Focus On Cryptocurrencıes And Onlıne Payments. The On-Line Journal Modelling The New Europe (s. 86-106.). içinde
  • Evans, O. (2015). The Effects of Economic and Financial Development on Financial Inclusion in Africa. Review of Economic and Development Studies, 1(1), 17-25.
  • Goswami, S., Sharma, R., & Chouhan, V. (2022). Impact of financial technology (Fintech) on financial inclusion (FI) in Rural India. Universal Journal of Accounting and Finance, 10(2), 483-497.
  • GSMA. (2024, 04 24). Sahra Altı Afrika'da finansal katılımın itici gücü olarak Mobil Para: https://www.gsma.com/solutions-and-impact/connectivity-for-good/mobile-for-development/programme/mobile-money/mobile-money-driver-financial-inclusion-sub-saharan-africa/ adresinden alındı
  • Kanga, D., Oughton, C., Harris, L., & Murinde, V. (2022). The diffusion of fintech, financial inclusion and income per capita. The European Journal of Finance, 28(1), 108-136.
  • Koffi, H. (2016). The fintech revolution: an opportunity for the west african financial sector. Open Journal of Applied Sciences, 6(11), 771-782.
  • Leyshon, A., & Thrift, N. (1995). Geographies of financial exclusion: financial abandonment in Britain and the United States. Transactions of the Institute of British Geographers, 20(3), 312-341.
  • Myint , H., & Krueger , A. (2024, 04 16). economic development. Britannica Money: https://www.britannica.com/money/economic-development adresinden alındı
  • Nabieu, G., Kwabena, A., & Ntiamoah, J. (2023). Financial inclusion, investments and economic growth: does investment mediate financial inclusion for economic growth in Africa? African Finance Journal,, 25(1), 63-84.
  • Nasihin Aziz, A. (2019). Fintech contribution to Indonesia's economic growth. MPRA Munich Personal RePEc Archive, 1-8.
  • Neaime, S., & Gaysset, I. (2018). Financial inclusion and stability in MENA: Evidence from poverty and inequality. Finance Research Letters, 24, 230-237.
  • Panth, P. (2021). Economic development: Definition, scope, and measurement. In No poverty. Cham: Springer International Publishing, 231-243.
  • Quevedo, M. F. (2019). An analysis on fintech apps for payments. Nürnberg: Hochschule Furtwangen University ( Master's Thesis).
  • Schindler, J. (2017). FinTech and financial innovation: Drivers and depth. Finance and Economics Discussion Series 2017-081. Washington: Board of Governors of the Federal Reserve System, 1-16. doi:https://doi.org/10.17016/FEDS.2017.081
  • Tchamyou, V., Erreygers, G., & Cassimon, D. (2019). Inequality, ICT and financial access in Africa. Technological Forecasting and Social Change, 139, 169-184.
  • Tchidi, G., & Zhang, W. (2024). Mediating effect of financial inclusion on FinTech innovations and economic development in West Africa: Evidence from the Benin Republic. International Journal of Finance & Economics, 1-17.
  • The World Bank: Küresel Findex Veritabanı 2021: COVID-19 Çağında Finansal Erişim, Dijital Ödemeler ve Dayanıklılık. (2024, 04 24) https://www.worldbank.org/en/publication/globalfindex adresinden alındı
  • Zhou, W., Arner, D., & Buckley, R. (2015). Regulation of digital financial services in China: Last mover advantage. Tsinghua China Law Review, 8(1), 25-62

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

Yıl 2024, Cilt: 9 Sayı: Special Issue, 90 - 103, 30.12.2024

Aysegul Kutbay

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

Etik Beyan

Balıkesir üniversitesi Sosyal ve Beşeri Bilimler Araştırmaları Etik Kurulu 31.05.2024 tarihli ve 2024/05 sayılı toplantısında Bilimsel Araştırma Etik Kurul Onay Belgesi talebim Sosyal ve Beşeri Bilimler Etik Kurulunca değerlendirilmiş ve etik açıdan uygun bulunmuştur.

Destekleyen Kurum

yok

Kaynakça

  • Alt, R., & Puschmann, T. (2016). Digitalisierung der Finanzindustrie. Berlin: Heidelberg: Springer Berlin Heidelberg.
  • Arner, D., Buckley , R., Zetzsche, D., & Veidt, R. (2020). Sustainability, FinTech and financial inclusion. European Business Organization Law Review, 21, 7-35.
  • Asongu, S., & Odhiambo, N. (2019). Mobile banking usage, quality of growth, inequality and poverty in developing countries. Information Development, 35(2), 303-318.
  • Birleşmiş Milletler, Türkiye (2024, 08 27). Birleşmiş Milletler Türkiye. Türkiye Sürdürülebilir Kalkınma Amaçları: https://turkiye.un.org/tr/sdgs/8 adresinden alındı
  • Cámara, N., & Tuesta, D. (2014). Measuring financial inclusion: A muldimensional index. BBVA Research Paper, 14-26.
  • Dahiya , S., & Kumar, M. (2020). Linkage between financial inclusion and economic growth: An empirical study of the emerging Indian economy. Vision, 24(2), 184-193. Vision, 24(2), Vision.
  • Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex database 2017: measuring financial inclusion and the Fintech revolution. Washington DC: World Bank. https://openknowledge.worldbank.org/handle/10986/29510 adresinden alındı
  • Dev, S. (2006). Financial inclusion: Issues and challenges. Economic and Political Weekly, 41(41), 4310–4313.
  • Duma, F., & Raluca Gligor, M. (2018). Study Regardıng Romanıan Students'perceptıon And Behavıour Concernıng The Fıntech Area Wıth A Focus On Cryptocurrencıes And Onlıne Payments. The On-Line Journal Modelling The New Europe (s. 86-106.). içinde
  • Evans, O. (2015). The Effects of Economic and Financial Development on Financial Inclusion in Africa. Review of Economic and Development Studies, 1(1), 17-25.
  • Goswami, S., Sharma, R., & Chouhan, V. (2022). Impact of financial technology (Fintech) on financial inclusion (FI) in Rural India. Universal Journal of Accounting and Finance, 10(2), 483-497.
  • GSMA. (2024, 04 24). Sahra Altı Afrika'da finansal katılımın itici gücü olarak Mobil Para: https://www.gsma.com/solutions-and-impact/connectivity-for-good/mobile-for-development/programme/mobile-money/mobile-money-driver-financial-inclusion-sub-saharan-africa/ adresinden alındı
  • Kanga, D., Oughton, C., Harris, L., & Murinde, V. (2022). The diffusion of fintech, financial inclusion and income per capita. The European Journal of Finance, 28(1), 108-136.
  • Koffi, H. (2016). The fintech revolution: an opportunity for the west african financial sector. Open Journal of Applied Sciences, 6(11), 771-782.
  • Leyshon, A., & Thrift, N. (1995). Geographies of financial exclusion: financial abandonment in Britain and the United States. Transactions of the Institute of British Geographers, 20(3), 312-341.
  • Myint , H., & Krueger , A. (2024, 04 16). economic development. Britannica Money: https://www.britannica.com/money/economic-development adresinden alındı
  • Nabieu, G., Kwabena, A., & Ntiamoah, J. (2023). Financial inclusion, investments and economic growth: does investment mediate financial inclusion for economic growth in Africa? African Finance Journal,, 25(1), 63-84.
  • Nasihin Aziz, A. (2019). Fintech contribution to Indonesia's economic growth. MPRA Munich Personal RePEc Archive, 1-8.
  • Neaime, S., & Gaysset, I. (2018). Financial inclusion and stability in MENA: Evidence from poverty and inequality. Finance Research Letters, 24, 230-237.
  • Panth, P. (2021). Economic development: Definition, scope, and measurement. In No poverty. Cham: Springer International Publishing, 231-243.
  • Quevedo, M. F. (2019). An analysis on fintech apps for payments. Nürnberg: Hochschule Furtwangen University ( Master's Thesis).
  • Schindler, J. (2017). FinTech and financial innovation: Drivers and depth. Finance and Economics Discussion Series 2017-081. Washington: Board of Governors of the Federal Reserve System, 1-16. doi:https://doi.org/10.17016/FEDS.2017.081
  • Tchamyou, V., Erreygers, G., & Cassimon, D. (2019). Inequality, ICT and financial access in Africa. Technological Forecasting and Social Change, 139, 169-184.
  • Tchidi, G., & Zhang, W. (2024). Mediating effect of financial inclusion on FinTech innovations and economic development in West Africa: Evidence from the Benin Republic. International Journal of Finance & Economics, 1-17.
  • The World Bank: Küresel Findex Veritabanı 2021: COVID-19 Çağında Finansal Erişim, Dijital Ödemeler ve Dayanıklılık. (2024, 04 24) https://www.worldbank.org/en/publication/globalfindex adresinden alındı
  • Zhou, W., Arner, D., & Buckley, R. (2015). Regulation of digital financial services in China: Last mover advantage. Tsinghua China Law Review, 8(1), 25-62
Toplam 26 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Finans
Bölüm Araştırma Makalesi
Yazarlar

Aysegul Kutbay 0000-0002-3100-2928

Erken Görünüm Tarihi 29 Ekim 2024
Yayımlanma Tarihi 30 Aralık 2024
Gönderilme Tarihi 8 Temmuz 2024
Kabul Tarihi 15 Eylül 2024
Yayımlandığı Sayı Yıl 2024 Cilt: 9 Sayı: Special Issue

Kaynak Göster

APA Kutbay, A. (2024). Yapay Zekâ Destekli FinTech’in Aracılığıyla Finansal Katılımın Ekonomik Kalkınma Üzerindeki Etkisi: Lisans Öğrencileri Üzerine Ampirik Bir Çalışma. JOEEP: Journal of Emerging Economies and Policy, 9(Special Issue), 90-103.
 Kapak Resmi İndir

The sole purpose of JOEEP is to be a prestigious journal which contributes to scientific knowledge. In order to keep this purpose, JOEEP, adopts and follows the publication policies of world’s prestigious scientific journals. All original and qualified works which may contribute to the scientific knowledge, are evaluated through a rigorous editorial and peer review process. Hereby, JOEEP is a peer reviewed and scientific journal. It strictly depends on the scientific principles, rules and ethical framework that are required to this qualification.

JOEEP is published as two issues per year June and December and all publication policies and processes are conducted according to the international standards. JOEEP accepts and publishes the research articles in the fields of economics, political economy, fiscal economics, applied economics, business economics, labour economics and econometrics. JOEEP, without depending on any institution or organization, is a non-profit journal that has an International Editorial Board specialist on their fields. All “Publication Process” and “Writing Guidelines” are explained in the related title and it is expected from authors to Show a complete match to the rules. JOEEP is an open Access journal.