The effect of digital financial attitudes and behavior on entrepreneurship tendency: A research on university students

Gamze Şekeroğlu

Makale detayları

The effect of digital financial attitudes and behavior on entrepreneurship tendency: A research on university students

Yazarlar:

Gamze Şekeroğlu

Yayıncı:

Istanbul Ticaret University

Ana Başlıklar:

Davranışsal Finans | Girişimcilik

Dergi:

İstanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi Vol.24 Issue Özel Sayı - İnovasyon ve Girişimcilik, pp.229-244

Belge Tipi:

Makale

Yayın Tarihi:

3/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001344446

pISSN:

1303-5495

Anahtar kelimeler:

Özet:

 Digital transformation, now a necessity of the modern era, is essential not only in everyday life but also in the financial sector. People who easily adapt to the new technologies required for this transformation and quickly apply these technologies do not fall behind the times. The new generation adapts to this process more easily, as they were born into the digital age and see digital technologies as a part of their daily lives. However, it is not known exactly how this adaptation will be reflected in their working lives and how it will affect their entrepreneurial potential. In this context, the study aims to explore how digital financial attitudes and behaviors influence the entrepreneurial tendencies of university students as they prepare to enter the workforce in the digital era. Students studying at universities in Konya were selected as the sample, and a survey was administered to these students. SPSS and AMOS package programs were used for survey data analysis. As a result, the hypothesis that digital financial attitude has a positive and significant effect on digital financial behavior was supported. It has also been determined that digital financial behavior has a positive and significant effect on entrepreneurial tendency. However, no significant effect of digital financial attitude on entrepreneurial tendency was found. Especially new generation individuals are looking for ways to participate in business life day by day with their own business ideas. For this reason, the effect of the digitalization required by age on the entrepreneurial tendencies of individuals in terms of their financial attitudes and behaviors was investigated. The originality of the study stems from the fact that it addresses financial attitudes and behavior in their digital dimension.

 Digital transformation, now a necessity of the modern era, is essential not only in everyday life but also in the financial sector. People who easily adapt to the new technologies required for this transformation and quickly apply these technologies do not fall behind the times. The new generation adapts to this process more easily, as they were born into the digital age and see digital technologies as a part of their daily lives. However, it is not known exactly how this adaptation will be reflected in their working lives and how it will affect their entrepreneurial potential. In this context, the study aims to explore how digital financial attitudes and behaviors influence the entrepreneurial tendencies of university students as they prepare to enter the workforce in the digital era. Students studying at universities in Konya were selected as the sample, and a survey was administered to these students. SPSS and AMOS package programs were used for survey data analysis. As a result, the hypothesis that digital financial attitude has a positive and significant effect on digital financial behavior was supported. It has also been determined that digital financial behavior has a positive and significant effect on entrepreneurial tendency. However, no significant effect of digital financial attitude on entrepreneurial tendency was found. Especially new generation individuals are looking for ways to participate in business life day by day with their own business ideas. For this reason, the effect of the digitalization required by age on the entrepreneurial tendencies of individuals in terms of their financial attitudes and behaviors was investigated. The originality of the study stems from the fact that it addresses financial attitudes and behavior in their digital dimension.

 Digital transformation, now a necessity of the modern era, is essential not only in everyday life but also in the financial sector. People who easily adapt to the new technologies required for this transformation and quickly apply these technologies do not fall behind the times. The new generation adapts to this process more easily, as they were born into the digital age and see digital technologies as a part of their daily lives. However, it is not known exactly how this adaptation will be reflected in their working lives and how it will affect their entrepreneurial potential. In this context, the study aims to explore how digital financial attitudes and behaviors influence the entrepreneurial tendencies of university students as they prepare to enter the workforce in the digital era. Students studying at universities in Konya were selected as the sample, and a survey was administered to these students. SPSS and AMOS package programs were used for survey data analysis. As a result, the hypothesis that digital financial attitude has a positive and significant effect on digital financial behavior was supported. It has also been determined that digital financial behavior has a positive and significant effect on entrepreneurial tendency. However, no significant effect of digital financial attitude on entrepreneurial tendency was found. Especially new generation individuals are looking for ways to participate in business life day by day with their own business ideas. For this reason, the effect of the digitalization required by age on the entrepreneurial tendencies of individuals in terms of their financial attitudes and behaviors was investigated. The originality of the study stems from the fact that it addresses financial attitudes and behavior in their digital dimension.

 Çağın gerekliliği haline gelen dijital dönüşüm, hayatın her alanında olduğu gibi finans alanında da olmazsa olmaz konuların başında gelmektedir. Söz konusu dönüşüm için gerekli olan yeni teknolojilere kolay uyum sağlayan ve bu teknolojileri hızlıca uygulayan kişiler, çağın gerisinde kalmamaktadırlar. Yeni nesil ise hem dijital çağın içine doğduklarından hem de dijital teknolojileri günlük hayatlarının bir parçası olarak gördüklerinden, bu sürece daha kolay adapte olmaktadırlar. Ancak bu adaptasyonun onların çalışma hayatlarına nasıl yansıyacağı ve girişimcilik potansiyellerine nasıl etki edeceği tam olarak bilinmemektedir. Bu doğrultuda çalışmanın amacı, dijital çağda çalışma hayatına girecek olan üniversite öğrencilerinin, dijital finansal tutum ve davranışlarının, girişimcilik eğilimleri üzerindeki etkisini tespit etmektir. Örneklem olarak Konya ilindeki üniversitelerde okuyan öğrenciler seçilmiş olup, söz konusu öğrencilere anket uygulanmıştır. Anket veri çözümlemesi için SPSS ve AMOS paket programları kullanılmıştır. Sonuçta dijital finansal tutumun, dijital finansal davranış üzerinde etkisinin olduğu belirlenmiştir. Ayrıca dijital finansal davranışın da girişimcilik eğilimi üzerindeki etkisinin pozitif yönlü ve anlamlı olduğu belirlenmiştir. Ancak dijital finansal tutumun girişimcilik eğilimi üzerinde anlamlı bir etkisi bulunamamıştır. Özellikle yeni nesil bireyler, kendi iş fikirleriyle her geçen gün iş hayatına katılmanın yollarını aramaktadırlar. Bu sebeple, çağın gerektirdiği dijitalleşmenin bireylerin finansal boyuttaki tutum ve davranışları açısından, girişimcilik eğilimleri üzerindeki etkisi araştırılmıştır. Çalışmanın özgünlüğü, finansal tutum ve davranışın dijital boyutuyla ele alınmasından kaynaklanmaktadır.

Makale detayları

The effect of digital financial attitudes and behavior on entrepreneurship tendency: A research on university students

Yazarlar:

Gamze Şekeroğlu

Yayıncı:

Istanbul Ticaret University

Ana Başlıklar:

Davranışsal Finans | Girişimcilik

Dergi:

İstanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi Vol.24 Issue Özel Sayı - İnovasyon ve Girişimcilik, pp.229-244

Belge Tipi:

Makale

Yayın Tarihi:

3/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001344446

pISSN:

1303-5495

Digital financial attitude

digital financial behavior

entrepreneurship tendency

university studentsDijital finansal tutum

dijital finansal davranış

girişimcilik eğilimi

üniversite öğrencileri

Sayı

Makale detayları

Yazarlar: Gamze Şekeroğlu

Yayıncı: Istanbul Ticaret University

Ana Başlıklar: Davranışsal Finans | Girişimcilik

Dergi: İstanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi Vol.24 Issue Özel Sayı - İnovasyon ve Girişimcilik, pp.229-244

Belge Tipi: Makale

Yayın Tarihi: 3/2025

Belge Dili: Türkçe

Document ID (Org No.): 2001344446

pISSN: 1303-5495

Sayı

Yazarlar:

Gamze Şekeroğlu

Yayıncı:

Istanbul Ticaret University

Ana Başlıklar:

Davranışsal Finans | Girişimcilik

Dergi:

İstanbul Ticaret Üniversitesi Sosyal Bilimler Dergisi Vol.24 Issue Özel Sayı - İnovasyon ve Girişimcilik, pp.229-244

Belge Tipi:

Makale

Yayın Tarihi:

3/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001344446

pISSN:

1303-5495