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Can Behavioral Economics and Digitally Distortive Behaviors be Discussed from a Divine Perspective in the Age of Artificial Intelligence?

Yıl 2024, Cilt: 2 Sayı: 1, 72 - 94, 08.08.2024

Öz

The concept of the rational individual in economics has started to be versatile with the behavioral economics (BE) paradigm, which explains how the decision-making mechanisms of economic actors are affected by social, cultural, religious, and emotional values. The behavioral disorder is the main obstacle to society's convergence around common goals and rational decisions & actions. People can even make non-rational decisions based on perceptional engineering, communial pressure, religious beliefs, personal ambitions & fears, and social class needs. With the rapid advancement of innovative technology, artificial intelligence (AI) is also being used to provide reasonable controls over behavioral disorders and irrational expectations in many financial transactions such as information asymmetry, perception engineering, stock market index prediction, bankruptcy prediction, or bond market. Here, it is argued that due to the fact that the condition of maximizing interests (revenue, benefits, reputation, etc.) arises from materialistically rational individual selfishness, the Islamic economy is an economic model as an exeption to expected behaivors of homoeconomicus. We have made discussions over concerns in the literature and conducted risk analysis and risk assessment methods to produce prudent suggestions to the policy makers.

Kaynakça

  • Abbas, Muhammad Hasyim Ibnu (2020) A rational irrationality: Reviewing the Concept of Rationality in Conventional Economics and Islamic Economics, Al-Amwal: Jurnal Ekonomi Dan Perbankan Syari'ah, Vol 12 (1): 77-85, DOI: 10.24235/amwal.v1i1.6202
  • Akdoğan, N. (2012), “Din ve Ekonomi; Kuramsal Bir Yaklaşım”, Yayınlanmamış Yüksek Lisans Tezi, Yıldız Teknik Üniversitesi Sosyal Bilimler Enstitüsü, İstanbul.
  • Bahrammirzaee, A. (2010). A comparative survey of artificial intelligence applications in finance: artificial neural networks, expert systems and hybrid intelligent systems. Neural Comput & Applic 19, 1165–1195 https://doi.org/10.1007/s00521-010-0362-z
  • Can Kamber, S. (2018). Davranişsal Iktisat Ve Rasyonellik Varsayimi: Literatür Incelemesi . Ekonomi ve Yönetim Araştırmaları Dergisi, 7 (1), 168-199. Retrieved from https://dergipark.org.tr/tr/pub/eyad/issue/57407/813621
  • Christopoulos George I., Philippe N. Tobler, Peter Bossaerts, Raymond J. Dolan & Wolfram Schultz (2009) Neural Correlates of Value, Risk, and Risk Aversion Contributing to Decision Making under Risk, Journal of Neuroscience 7 October, 29 (40) 12574-12583; DOI: https://doi.org/10.1523/JNEUROSCI.2614-09.2009
  • Claessens S. & Kose A. (2013) Financial Crises: Explanations, Types, and Implications, IMF Working Paper, https://studylib.net/doc/18840321/explanations--types--and-implications
  • Efe, A. (2023). An assessment on rational expectations and perception engineering in the cyber-capitalist age. Journal of Ekonomi, 5 (1), 10-20 . DOI: 10.58251/ekonomi.1252661
  • Furqani, Hafas, (2017). Consumption and Morality: Principles and Behavioral Framework in Islamic Economics Journal of King Abdelaziz University: Islamic Economics, Vol. 30, No. SI, 2017, Available at SSRN: https://ssrn.com/abstract=3061373
  • Karagül, M. (2018). Rasyonel Ekonomi ve Davraniş Iktisadindan Değerler Iktisadina . Mehmet Akif Ersoy Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 5 (2), 425-440. DOI: 10.30798/makuiibf.418375
  • Karneyeva Yuliya, & Wüstenhagen Rolf, (2017) Solar feed-in tariffs in a post-grid parity world: The role of risk, investor diversity and business models, Energy Policy, Volume 106, Pages 445-456, ISSN 0301-4215, https://doi.org/10.1016/j.enpol.2017.04.005.
  • Kaya F, & Özçim H. (2020). Davranışsal İktisat, Sınırlı Rasyonellik ve İslam İktisadi İlişkisi. Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi, 6 (11), 1-24. Retrieved from https://dergipark.org.tr/tr/pub/iisbf/issue/51604/525139
  • Kenton W. (2020) Behavioral Economics, https://www.investopedia.com/terms/b/ behavioraleconomics.asp
  • Khan, Muhammad Akram (2020) Theory of Consumer Behavior: An Islamic Perspective. Theory of Consumer Behavior: An Islamic Perspective, https://mpra.ub.uni-muenchen.de/104208/
  • Lehrer Evelyn L., (2004) Religion as a Determinant of Economic and Demographic Behavior in the United States, Population and Development Review, First published: 15 December https://doi.org/10.1111/j.1728-4457.2004.00038.x
  • Marwala, Tshilidzi. (2021). "Impact of Artificial Intelligence on Economic Theory". https://arxiv.org/abs/1509.01213
  • Mukherji S. (2011) The Capital Asset Pricing Model’s Risk-Free Rate, The International Journal of Business and Finance Research, Volume 5, Number 2.
  • O'Donaghue, Ted, & Somerville Jason. (2018) "Modeling Risk Aversion in Economics." Journal of Economic Perspectives, 32 (2): 91-114. DOI: 10.1257/jep.32.2.91
  • Öztürkmen, M. (2021) Iktisat Ve Yapay Zeka Üzerine Üç Makale, Doktora tezi, Yıldız Teknik Üniversitesi İktisat Fakültesi
  • Pacifico A. (2021) Monetary Policy Regimes, Fiscal Implications, and Policy Interactions Among Developing Economies. In: Adıgüzel Mercangöz B. (eds) Handbook of Research on Emerging Theories, Models, and Applications of Financial Econometrics. Springer, Cham. https://doi.org/10.1007/978-3-030-54108-8_10
  • Paruchuri, H. (2021). Conceptualization of Machine Learning in Economic Forecasting. Asian Business Review, 11(2), 51-58. https://doi.org/10.18034/abr.v11i2.532
  • Penrose, R. (1997) The Emperor's New Mind, Penguin Books, (480pp) ISBN 978-0-14-014534-2
  • Pieters R.G.M., van Raaij W.F. (1988) The Role of Affect in Economic Behavior. In: van Raaij W.F., van Veldhoven G.M., Wärneryd KE. (eds) Handbook of Economic Psychology. Springer, Dordrecht. https://doi.org/10.1007/978-94-015-7791-5_4
  • Rabin, Matthew, and Richard H. Thaler. (2001) "Anomalies: Risk Aversion." Journal of Economic Perspectives, 15 (1): 219-232. DOI: 10.1257/jep.15.1.219
  • Rossini Peter (2000), Using Expert Systems and Artificial Intelligence For Real Estate Forecasting, Sixth Annual Pacific-Rim Real Estate Society Conference Sydney, Australia, 24-27 January, http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.198.930&rep=rep1&type=pdf
  • Savaş S. (2016) Bireyin İktisadi Davranışlarında Dini Tercihlerin Rolü, YLS Tezi, Erciyes Üniversitesi SBE. Seçilmiş M. (2019) Davranışsal iktisat koca bir yalandan mı ibaret?, İktisat ve Toplum Dergisi, https://iktisatvetoplum.com/davranissal-iktisat-koca-bir-yalandan-mi-ibaret-erdem-secilmis-itd-107/
  • Sent, Esther-Miriam, (2004). Behavioral Economics: How Psychology Made Its (Limited) Way Back into Economics, History of Political Economy, 36(4), 735- 760.
  • Shleifer, A. (2000). Inefficient Markets: An Introduction to Behavioral Finance. Oxford: Oxford University Press.
  • Simon, H. A. (1955). A Behavioral Model of Rational Choice, The Quarterly Journal of Economics. 69:1, 99-118.
  • Simon, H. A. (1956). Rational Choice and the Structure of the Environment. Psychological Review, 63(2), 129–138. https://doi.org/10.1037/h0042769
  • Smith, V. L. (1962). "An Experimental Study of Competitive Market Behavior." Journal of Political Economy, 70 (2) 111-137.
  • Smith, V. L. (1976). Experimental Economics: Induced Value Theory, American Economic Review, 66(2), 274-279.
  • Smith, V. L. (1994). "Economics in the Laboratory". Journal of Economic Perspectives, 8(1), 113-131. Teitelbaum, J. & Zeiler, K. (2018). Research Handbook on Behavioral Law and Economics. Northampton, MA: Edward Elgar Pub.
  • Thaler, R. H. (2016). Behavioral Economics: Past, Present, and Future. Presidential Address, American Economic Association: Annual Meeting, January.
  • Tversky, A. & Kahneman, D. (1974). Judgment Under Uncertainty: Heuristics and Biases Science, 185, 1124-1131.
  • Tversky, A. & Kahneman, D. (1981). The Framing of Decisions and the Rationality of Choice, Science 211, 453-458.
  • Tversky, A. & Kahneman, D. (1986). Rational choice and the Framing of Decisions, The Journal of Business, Vol. 59, No. 4, Part 2: 251-278.
  • van Winden, F. A. & Ash, E. (2012). On the Behavioral Economics of Crime. Review of Law & Economics, 8(1), 181-213.
  • Yavuzaslan, K. (2018). Deneysel İktisat ve Kültürel Farklılıkların Deneysel İktisatla İfadesi, Pamukkale Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, Sayı: 33, 217-231.
  • Zouboulakis, M. (2014). The Varieties of Economic Rationality: from Adam Smith to Contemporary Behavioural and Evolutionary Economics. London: Routledge. DOI. 10.4324/9781315818641

Yapay Zeka Çağında Davranışsal Ekonomi ve Dijital Olarak Çarpıtan Davranışlar İlahi Bir Perspektiften Tartışılabilir mi?

Yıl 2024, Cilt: 2 Sayı: 1, 72 - 94, 08.08.2024

Öz

İktisatta rasyonel birey kavramı, ekonomik aktörlerin karar alma mekanizmalarının sosyal, kültürel, dini ve duygusal değerlerden nasıl etkilendiğini açıklayan davranışsal iktisat (BE) paradigması ile çok yönlü olmaya başlamıştır. Davranış bozukluğu, toplumun ortak hedefler ve rasyonel kararlar ve eylemler etrafında yakınlaşmasının önündeki en büyük engeldir. İnsanlar, algısal mühendislik, toplumsal baskı, dini inançlar, kişisel hırslar ve korkular ve sosyal sınıf ihtiyaçlarına dayalı olarak rasyonel olmayan kararlar bile alabilirler. Yenilikçi teknolojinin hızla gelişmesiyle birlikte, bilgi asimetrisi, algı mühendisliği, borsa endeks tahmini, iflas tahmini veya tahvil piyasası gibi birçok finansal işlemde davranış bozuklukları ve irrasyonel beklentiler üzerinde makul kontroller sağlamak için yapay zeka (AI) da kullanılıyor. . Burada çıkarların (gelir, fayda, itibar vb.) maksimize edilmesi koşulunun materyalist olarak rasyonel bireysel bencillikten kaynaklanması nedeniyle, İslam ekonomisinin homoekonomikus'tan beklenen davranışların bir istisnası olarak bir ekonomik model olduğu savunulmaktadır. Politika yapıcılara ihtiyatlı öneriler üretmek için literatürdeki endişeler üzerine tartışmalar yaptık ve risk analizi ve risk değerlendirme yöntemleri gerçekleştirdik.

Kaynakça

  • Abbas, Muhammad Hasyim Ibnu (2020) A rational irrationality: Reviewing the Concept of Rationality in Conventional Economics and Islamic Economics, Al-Amwal: Jurnal Ekonomi Dan Perbankan Syari'ah, Vol 12 (1): 77-85, DOI: 10.24235/amwal.v1i1.6202
  • Akdoğan, N. (2012), “Din ve Ekonomi; Kuramsal Bir Yaklaşım”, Yayınlanmamış Yüksek Lisans Tezi, Yıldız Teknik Üniversitesi Sosyal Bilimler Enstitüsü, İstanbul.
  • Bahrammirzaee, A. (2010). A comparative survey of artificial intelligence applications in finance: artificial neural networks, expert systems and hybrid intelligent systems. Neural Comput & Applic 19, 1165–1195 https://doi.org/10.1007/s00521-010-0362-z
  • Can Kamber, S. (2018). Davranişsal Iktisat Ve Rasyonellik Varsayimi: Literatür Incelemesi . Ekonomi ve Yönetim Araştırmaları Dergisi, 7 (1), 168-199. Retrieved from https://dergipark.org.tr/tr/pub/eyad/issue/57407/813621
  • Christopoulos George I., Philippe N. Tobler, Peter Bossaerts, Raymond J. Dolan & Wolfram Schultz (2009) Neural Correlates of Value, Risk, and Risk Aversion Contributing to Decision Making under Risk, Journal of Neuroscience 7 October, 29 (40) 12574-12583; DOI: https://doi.org/10.1523/JNEUROSCI.2614-09.2009
  • Claessens S. & Kose A. (2013) Financial Crises: Explanations, Types, and Implications, IMF Working Paper, https://studylib.net/doc/18840321/explanations--types--and-implications
  • Efe, A. (2023). An assessment on rational expectations and perception engineering in the cyber-capitalist age. Journal of Ekonomi, 5 (1), 10-20 . DOI: 10.58251/ekonomi.1252661
  • Furqani, Hafas, (2017). Consumption and Morality: Principles and Behavioral Framework in Islamic Economics Journal of King Abdelaziz University: Islamic Economics, Vol. 30, No. SI, 2017, Available at SSRN: https://ssrn.com/abstract=3061373
  • Karagül, M. (2018). Rasyonel Ekonomi ve Davraniş Iktisadindan Değerler Iktisadina . Mehmet Akif Ersoy Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 5 (2), 425-440. DOI: 10.30798/makuiibf.418375
  • Karneyeva Yuliya, & Wüstenhagen Rolf, (2017) Solar feed-in tariffs in a post-grid parity world: The role of risk, investor diversity and business models, Energy Policy, Volume 106, Pages 445-456, ISSN 0301-4215, https://doi.org/10.1016/j.enpol.2017.04.005.
  • Kaya F, & Özçim H. (2020). Davranışsal İktisat, Sınırlı Rasyonellik ve İslam İktisadi İlişkisi. Toros Üniversitesi İİSBF Sosyal Bilimler Dergisi, 6 (11), 1-24. Retrieved from https://dergipark.org.tr/tr/pub/iisbf/issue/51604/525139
  • Kenton W. (2020) Behavioral Economics, https://www.investopedia.com/terms/b/ behavioraleconomics.asp
  • Khan, Muhammad Akram (2020) Theory of Consumer Behavior: An Islamic Perspective. Theory of Consumer Behavior: An Islamic Perspective, https://mpra.ub.uni-muenchen.de/104208/
  • Lehrer Evelyn L., (2004) Religion as a Determinant of Economic and Demographic Behavior in the United States, Population and Development Review, First published: 15 December https://doi.org/10.1111/j.1728-4457.2004.00038.x
  • Marwala, Tshilidzi. (2021). "Impact of Artificial Intelligence on Economic Theory". https://arxiv.org/abs/1509.01213
  • Mukherji S. (2011) The Capital Asset Pricing Model’s Risk-Free Rate, The International Journal of Business and Finance Research, Volume 5, Number 2.
  • O'Donaghue, Ted, & Somerville Jason. (2018) "Modeling Risk Aversion in Economics." Journal of Economic Perspectives, 32 (2): 91-114. DOI: 10.1257/jep.32.2.91
  • Öztürkmen, M. (2021) Iktisat Ve Yapay Zeka Üzerine Üç Makale, Doktora tezi, Yıldız Teknik Üniversitesi İktisat Fakültesi
  • Pacifico A. (2021) Monetary Policy Regimes, Fiscal Implications, and Policy Interactions Among Developing Economies. In: Adıgüzel Mercangöz B. (eds) Handbook of Research on Emerging Theories, Models, and Applications of Financial Econometrics. Springer, Cham. https://doi.org/10.1007/978-3-030-54108-8_10
  • Paruchuri, H. (2021). Conceptualization of Machine Learning in Economic Forecasting. Asian Business Review, 11(2), 51-58. https://doi.org/10.18034/abr.v11i2.532
  • Penrose, R. (1997) The Emperor's New Mind, Penguin Books, (480pp) ISBN 978-0-14-014534-2
  • Pieters R.G.M., van Raaij W.F. (1988) The Role of Affect in Economic Behavior. In: van Raaij W.F., van Veldhoven G.M., Wärneryd KE. (eds) Handbook of Economic Psychology. Springer, Dordrecht. https://doi.org/10.1007/978-94-015-7791-5_4
  • Rabin, Matthew, and Richard H. Thaler. (2001) "Anomalies: Risk Aversion." Journal of Economic Perspectives, 15 (1): 219-232. DOI: 10.1257/jep.15.1.219
  • Rossini Peter (2000), Using Expert Systems and Artificial Intelligence For Real Estate Forecasting, Sixth Annual Pacific-Rim Real Estate Society Conference Sydney, Australia, 24-27 January, http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.198.930&rep=rep1&type=pdf
  • Savaş S. (2016) Bireyin İktisadi Davranışlarında Dini Tercihlerin Rolü, YLS Tezi, Erciyes Üniversitesi SBE. Seçilmiş M. (2019) Davranışsal iktisat koca bir yalandan mı ibaret?, İktisat ve Toplum Dergisi, https://iktisatvetoplum.com/davranissal-iktisat-koca-bir-yalandan-mi-ibaret-erdem-secilmis-itd-107/
  • Sent, Esther-Miriam, (2004). Behavioral Economics: How Psychology Made Its (Limited) Way Back into Economics, History of Political Economy, 36(4), 735- 760.
  • Shleifer, A. (2000). Inefficient Markets: An Introduction to Behavioral Finance. Oxford: Oxford University Press.
  • Simon, H. A. (1955). A Behavioral Model of Rational Choice, The Quarterly Journal of Economics. 69:1, 99-118.
  • Simon, H. A. (1956). Rational Choice and the Structure of the Environment. Psychological Review, 63(2), 129–138. https://doi.org/10.1037/h0042769
  • Smith, V. L. (1962). "An Experimental Study of Competitive Market Behavior." Journal of Political Economy, 70 (2) 111-137.
  • Smith, V. L. (1976). Experimental Economics: Induced Value Theory, American Economic Review, 66(2), 274-279.
  • Smith, V. L. (1994). "Economics in the Laboratory". Journal of Economic Perspectives, 8(1), 113-131. Teitelbaum, J. & Zeiler, K. (2018). Research Handbook on Behavioral Law and Economics. Northampton, MA: Edward Elgar Pub.
  • Thaler, R. H. (2016). Behavioral Economics: Past, Present, and Future. Presidential Address, American Economic Association: Annual Meeting, January.
  • Tversky, A. & Kahneman, D. (1974). Judgment Under Uncertainty: Heuristics and Biases Science, 185, 1124-1131.
  • Tversky, A. & Kahneman, D. (1981). The Framing of Decisions and the Rationality of Choice, Science 211, 453-458.
  • Tversky, A. & Kahneman, D. (1986). Rational choice and the Framing of Decisions, The Journal of Business, Vol. 59, No. 4, Part 2: 251-278.
  • van Winden, F. A. & Ash, E. (2012). On the Behavioral Economics of Crime. Review of Law & Economics, 8(1), 181-213.
  • Yavuzaslan, K. (2018). Deneysel İktisat ve Kültürel Farklılıkların Deneysel İktisatla İfadesi, Pamukkale Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, Sayı: 33, 217-231.
  • Zouboulakis, M. (2014). The Varieties of Economic Rationality: from Adam Smith to Contemporary Behavioural and Evolutionary Economics. London: Routledge. DOI. 10.4324/9781315818641
Toplam 39 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Konular Ekonomi
Bölüm 2. Sayı
Yazarlar

Ahmet Efe 0000-0002-2691-7517

Erken Görünüm Tarihi 25 Temmuz 2024
Yayımlanma Tarihi 8 Ağustos 2024
Yayımlandığı Sayı Yıl 2024 Cilt: 2 Sayı: 1

Kaynak Göster

APA Efe, A. (2024). Yapay Zeka Çağında Davranışsal Ekonomi ve Dijital Olarak Çarpıtan Davranışlar İlahi Bir Perspektiften Tartışılabilir mi?. Karatay İslam İktisadı Ve Finans Dergisi, 2(1), 72-94.