A Study on The Factors of Financial Freedom Influencing Digital Financial Usage: Empirical Evidence Through Data Mining Techniques

Yıl 2026, Cilt: 40 Sayı: 2 , 236 - 246 , 31.03.2026

Haşim Bağcı , Ömer Faruk Rençber , Ceyda Yerdelen Kaygın

https://doi.org/10.16951/trendbusecon.1590034

https://izlik.org/JA78TD24YJ

Öz

The study examined the financial freedom factors that are effective in the use of digital finance. In order to conduct this examination, first of all, all countries in the world in the research sample were clustered according to their levels of digital finance use, and then the financial freedom factors that are effective in the use of digital finance were determined.
The reason for studying this topic is that it is thought that digitalization will positively affect the financial freedom, financial participation, financial development and economic growth of countries and that digitalization will be used as a tool in this regard. The importance of the impact of digital finance on financial participation and freedom emerges when financial services are offered equally to society without making any distinction between the poor and the rich.
One of the ways to achieve sustainable economic growth is to provide and strengthen economic freedom through digital finance. However, there are some restrictions and obstacles encountered on this path. Despite these problems, as a result of the analysis, it has been determined that countries with high digital finance usage are both more economically free and more financially developed.

Anahtar Kelimeler

Digitalization , Digital Finance , Financial Inclusion , Economic Freedom , Data Mining Technique

Dijital Finans Kullanımlarında Etkili Olan Finansal Serbestlik Faktörleri Üzerine Bir İnceleme: Veri Madenciliği Teknikleri ile Ampirik Kanıtlar

https://izlik.org/JA78TD24YJ

Öz

Yapılan çalışmada dijital finans kullanımında etkili olan finansal serbestlik faktörleri incelenmiştir. Bu incelemeyi yapabilmek için öncelikle araştırma örneklemindeki tüm dünya ülkeleri dijital finans kullanım düzeylerine göre kümelenmiş, ardından ise dijital finans kullanımında etkili olan finansal serbestlik faktörleri saptanmıştır.
Bu konunun çalışılma sebebi dijitalleşme ile ülkelerin finansal özgürlük, finansal katılım, finansal kalkınma ve ekonomik büyümelerinin pozitif yönde etkileneceği ve dijitalleşmenin bu konuda araç olarak kullanılacağı düşünülmektedir. Dijital finansın finansal katılıma ve özgürlüğe etkisinin önemi; finansal hizmetlerin fakir, zengin ayrımı yapılmaksızın topluma eşit olarak sunulduğunda ortaya çıkmaktadır.
Sürdürülebilir bir ekonomik büyümenin yollarından biri ekonomik özgürlüğü dijital finans yoluyla sağlamak ve güçlendirmekten geçmektedir. Ancak bu yolda karşılaşılan bazı kısıtlamalar ve engeller yer almaktadır. Bu problemlere rağmen analizler sonucunda dijital finans kullanımı yüksek olan ülkelerin hem ekonomik açıdan daha özgür hem de finansal açıdan daha gelişmiş durumda oldukları tespit edilmiştir.

Anahtar Kelimeler

Dijitalleşme , Dijital Finans , Finansal Katılım , Ekonomik Özgürlük , Veri Madenciliği Tekniği

Kaynakça

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