Dijital Finansal Okuryazarlık Alanında Araştırma Eğilimleri: 2015-2025 Dönemi Bibliyometrik Analizi

Öz

Bu araştırma, dijital finansal okuryazarlık alanındaki bilimsel üretimin 2015–2025 döneminde nasıl geliştiğini ortaya koymak amacıyla kapsamlı bir bibliyometrik analiz sunmaktadır. Dijital finansal hizmetlerin hızla yaygınlaşması, bireylerin finansal karar alma süreçlerinde dijital bilgi, beceri ve güvenlik farkındalığını kritik hâle getirmiştir. Bu bağlamda dijital finansal okuryazarlık, finansal davranışları, tasarruf eğilimlerini, risk algısını ve dijital finansal ekosisteme katılımı şekillendiren çok boyutlu bir yetkinlik olarak öne çıkmaktadır. Çalışmada veri kaynağı olarak Web of Science Core Collection kullanılmış ve finansal okuryazarlık, dijital finansal okuryazarlık, dijital öğrenme, dijital finans, Fintek ve dijital risk farkındalığı gibi kavramları kapsayan geniş bir tarama stratejisi uygulanmıştır. Veriler İngilizce dilindeki makaleler, derlemeler ve erken erişimli yayınlarla sınırlandırılmıştır. Bibliyometrik analizler R Studio-Biblioshiny arayüzü kullanılarak yürütülmüştür. Araştırmada yayın eğilimleri, en üretken yazarlar ve kurumlar, en etkili ülkeler, yüksek atıf alan çalışmalar ve uluslararası iş birliği ağları incelenmiştir. Ayrıca anahtar kelime eş-oluşum ağları, yazar ve ülke iş birliği haritaları ile tematik kümeler değerlendirilmiştir. Bulgular, dijital finansal okuryazarlık literatürünün 2020 sonrası dönemde hızlanan dijitalleşme, fintek uygulamalarının yaygınlaşması ve finansal hizmetlerdeki teknolojik dönüşümle birlikte belirgin biçimde genişlediğini göstermektedir. Sonuçlar, geleneksel finansal okuryazarlığın alanın kurucu ekseni olmaya devam ettiğini; buna karşılık finansal kapsayıcılık, teknoloji benimsemesi ve kullanıcı davranışlarının son yıllarda başlıca araştırma temaları hâline geldiğini ortaya koymaktadır.

Anahtar Kelimeler

• Finans
• Dijital Finans
• Finansal Okuryazarlık
• Dijital Finansal Okuryazarlık
• Finansal Teknoloji

Research Trends in Digital Financial Literacy: A Bibliometric Analysis (2015–2025)

Öz

This study provides a comprehensive bibliometric analysis of the development of scientific output on digital financial literacy between 2015 and 2025. The rapid expansion of digital financial services has made digital knowledge, skills, and security awareness essential elements of individuals’ financial decision-making processes. Within this framework, digital financial literacy emerges as a multidimensional competency that influences financial behavior, savings tendencies, risk perception, and engagement in the digital financial ecosystem. The Web of Science Core Collection served as the primary data source, and a broad search strategy was implemented to capture studies related to financial literacy, digital financial literacy, digital learning, digital finance, fintech, and risk awareness. The dataset included only English-language research articles, review papers, and early-access publications. Bibliometric analyses were conducted using the RStudio Biblioshiny interface. The study explored publication growth, prolific authors, leading institutions, influential countries, highly cited works, and patterns of international collaboration. Additionally, keyword co-occurrence networks and thematic clusters were analyzed to identify intellectual structures within the field. The findings show that research on digital financial literacy has expanded significantly since 2020, driven by accelerated digitalization, increased adoption of fintech applications, and the broader technological transformation of financial services. The results also indicate that traditional financial literacy continues to serve as the conceptual foundation of the field, while financial inclusion, technology adoption, and user behavior have become prominent thematic priorities.

Anahtar Kelimeler

• Finance
• Digital Finance
• Financial Literacy
• Digital Financial Literacy
• Financial Technology

Kaynakça

1. AHMETOĞULLARI, Kayhan (2024), “Dijital Finansal Okuryazarlık ve Finansal Teknolojilerin İlişkisinde Rol Alan Faktörler: Yabancı Turistler Üzerinde Bir Uygulama”, EKEV Akademi Dergisi, S.99, ss.211-233.
2. ANAGNOSTOPOULOS, Ioannis (2018), “Fintech and Regtech: Impact on Regulators and Banks”, Journal of Economics and Business, S.100, ss.7-25.
3. BANERJI, Priyanka ve YADAV, Mansi (2024), “Systematic Literature Review on Digital Financial Literacy”, SN Business and Economics, S.4(142), ss.2-25.
4. BHATTACHARYA, Priyanka, WAN, Kum Seong, QUEK, Boon Kiat, HAMEED, Waseem Bak’r ve RATHANANTHAN, Sivanithy (2022), “A Data-Informed Approach to Financial Literacy Enhancement Using Cognitive and Behavioral Analytics”, Big Data in Finance Opportunities and Challenges of Financial Digitalization (Ed. Thomas Walker, Frederick Davis, Taylor Schwartz), Palgrave Macmillan Publishing, Cham, ss.231-264.
5. CHHILLAR, Neetu, SHARMA, Kirti ve ARORA, Swaranjeet (2025), “Exploring the Role of Digital Financial Literacy and Personal Financial Behavior in Shaping Financial Stress and Well-Being in the Digital Age”, Acta Psychologica, S.259, ss.(105308).
6. CZECH, Katarzyna, OCHNIO, Luiza, WIELECHOWSKI, Michal ve ZABOLOTNYY, Serhiy (2024), “Financial Literacy: Identification of the Challenges, Needs, and Difficulties Among Adults Living in Rural Areas”, Agriculture, S.14(10), ss.1-17.
7. DEMIRGÜÇ-KUNT, Aslı ve KLAPPER, Leora (2012), Measuring Financial Inclusion: The Global Findex Database, World Bank Publications, Washington.
8. DIACON, Stephen (2004), “Investment Risk Perceptions: Do Consumers and Advisers Agree?”, International Journal of Bank Marketing, S.22(3), ss.180-199.

9. DURAI, Tabitha ve STELLA, Gracia (2019), “Digital Finance and its Impact on Financial Inclusion”, Journal of Emerging Technologies and Innovative Research, S.6(1), ss.122-127.
10. ESHET, Yoram (2004), “Digital Literacy: A Conceptual Framework for Survival Skills in the Digital Era”, Journal of Educational Multimedia and Hypermedia, S.13(1), ss.93-106.
11. FERNANDES, Daniel, LYNCH, John G. ve NETEMEYER, Richard G. (2014), “Financial Literacy, Financial Education and Downstream Financial Behaviors”, Management Science, S.60(8), ss.1861-1883.
12. FOX, Jonathan J. ve BARTHOLOMAE, Suzanne (2008), “Financial Education and Program Evaluation”, Handbook of Consumer Finance Research (Ed. Jing Jian Xiao), Springer Publishing, New York, ss.47-68.
13. GUMILAR, Desy Wulan Ayunıng, SANGKA, Khresna Bayu ve TOTALIA, Salman Alfarısy (2024), “Digital Financial Literacy and Digital Financial Inclusion in the Era of Digital Disruption: Systematic Literature Review”, Formosa Journal of Multidisciplinary Research, S.3(5), ss.1563-1576.
14. KASS-HANNA, Josephine, LYONS, Angela C. ve LIU, Fan (2022), “Building Financial Resilience Through Financial and Digital Literacy in South Asia and Sub-Saharan Africa”, Emerging Markets Review, S.51(A), ss.(100846).
15. KOSKELAINEN, Tiina, KALMI, Panu, SCORNAVACCA, Eusebio ve VARTIAINEN, Tero (2023), “Financial Literacy in the Digital Age-A Research Agenda”, Journal of Consumer Affairs, S.57(1), ss.507-528.
16. LUSARDI, Annamaria (2012), Numeracy, Financial Literacy, and Financial Decision-Making NBER Working, National Bureau of Economic Research, New York.
17. LUSARDI, Annamaria ve MITCHELL, Olivia S. (2014), “The Economic Importance of Financial Literacy: Theory and Evidence”, Journal of Economic Literature, S.52(1), ss.5-44.
18. MORGAN, Peter, HUANG, Bihong ve TRINH, Long (2019), “The Need to Promote Digital Financial Literacy for the Digital Age”, The Future of Work and Education for the Digital Age, ADBI Press, Tokyo.
19. OECD (2020), Recommendation of the Council on Financial Literacy, OECD Publishing, Paris, OECD/LEGAL/0461, https://legalinstruments.oecd.org/en/instruments/OECD-LEGAL-0461 (Erişim Tarihi: 09.12.2025).
20. OECD/INFE (2018), G20/OECD INFE Policy Guidance on Digitalisation and Financial Literacy, OECD Publishing, Paris, https://www.oecd.org/finance/G20-OECD-INFE-Policy-Guidance-Digitalisation-Financial-Literacy.pdf (Erişim Tarihi: 09.12.2025).
21. OZILI, Peterson Kitakogelu (2018), Impact of Digital Finance on Financial Inclusion and Stability, University of Munich Press, Munich.
22. RAHAYU, Rita, JUITA, Verni ve RAHMAN, Annisaa (2023), “Financial Literacy, Digital Financial Literacy and Women’s Economic Empowerment”, Journal of Telecommunications and the Digital Economy, S.11(2), ss.118-138.
23. SONG, Guangming, VALENCIA, Manuelita G. (2024), “Digital Financial Literacy and Financial Behavior”, International Journal for Multidisciplinary Research, S.6(4), ss.1-7.
24. VENKATESH, Viswanath, MORRIS, Michael, DAVIS, Gordon ve DAVIS, Fred (2003), “User Acceptance of Information Technology: Toward a Unified View”, MIS Quarterly, S.27(3), ss.425-478.
25. XIE, Yumei ve CHEN, Taoke (2023), “A Study on the Impact of Digital Financial Literacy on Household Entrepreneurship-Evidence from China”, Sustainability, S.17(1), ss.1-18.
26. YANG, Junhong, WU, Yu ve HUANG, Bihong (2023), “Digital Finance and Financial Literacy: Evidence from Chinese Households”, Journal of Banking ve Finance, S.156, ss.(107005).
27. YUE, Zhonggang, WANG, Chong ve HONG, Hui (2025), “Inclusive Development of Digital Finance, Family Entrepreneurship and Poverty Reduction Effect”, International Entrepreneurship and Management Journal, S.21(9), ss.1-28.