TÜRKİYE’DE DİJİTAL BANKACILIK VE EKONOMİK BÜYÜME İLİŞKİSİ

Yıl 2020, Cilt: 42 Sayı: 2, 223 - 246, 31.12.2020

Esra Bulut Gülay Çizgici Akyüz

https://doi.org/10.14780/muiibd.854325

Cited By: 7

Öz

FinTek, müşteri odaklı yeni hizmet anlayışıyla birlikte dijital arenayı bankalar için bir rekabet alanına
dönüştürmektedir. Dijital bankacılık, bu çerçevede, bankaların FinTek Kurumlarına karşı rekabet
avantajlarını korumalarında önem kazanmaktadır. Dijital bankacılık, herhangi bir yer ve zamanda finansal
işlem yapmayı mümkün kılarak ekonomik faaliyetleri hızlandırma potansiyeli taşımaktadır. Bu çalışmanın
temel amacı, Türkiye’de dijital bankacılığın ekonomik büyüme ile ilişkisini araştırmaktır. Bu doğrultuda;
çalışmada 2011:Q1 – 2019:Q4 dönemi dijital bankacılık verileri ve Reel Gayrisafi Yurt İçi Hasıla Büyüme
Hızı verileri kullanılmış ve ARDL eş-bütünleşme analizi yapılmıştır. Analiz sonucunda dijital bankacılığın
ekonomik büyüme üzerine kısa ve uzun dönemde etkisinin pozitif ve istatistiksel olarak anlamlı olduğu
belirlenmiştir.

Anahtar Kelimeler

Dijital Bankacılık, Finansal Teknoloji, FinTek, Ekonomik Büyüme

Kaynakça

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