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)

Abstract

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.

Keywords

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

Kaynakça

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