Digital Banking Efficiency Analysis in the Turkish Banking Sector

Ayça Beyoğlu

Makale detayları

Digital Banking Efficiency Analysis in the Turkish Banking Sector

Yazarlar:

Ayça Beyoğlu

Yayıncı:

Hacettepe University

Ana Başlıklar:

Para-Bankacılık | Ekonometri (Diğer)

Dergi:

Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 2, pp.232-248

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001351417

pISSN:

1301-8752

Anahtar kelimeler:

Özet:

 The world is becoming digital in every field, and the banking sector is one of the sectors affected by this wave of transformation. The prominent digitalization move in the banking sector and the accompanying transformation tend to increase as an expression of a general search for efficiency, especially profitability and competitiveness. This study investigates the relationship between efficiency and digitalization in the Turkish banking sector and the effect of banks digitalization ability on efficiency. The issue of how efficiently banks, whose primary purpose is to make profits, use their existing resources is associated with digitalization. In the research, the data of 11 banks for 2023 were examined, and their efficiency was measured by the Data Envelopment Analysis DEA method. The DEA method allows efficiency analysis to be carried out using different numbers and types of input-output variables. In the study, the efficiency of banks was determined by two input variables total number of branches and total number of employees and three output variables total number of customers, total number of digital customers, and asset profitability ratio. According to the results obtained within the scope of analysis, it was concluded that the efficiency of the banks subject to the study in 2023 was generally low, relative efficiency scores were calculated, and the scores that would make the inefficient banks effective were determined based on each variable.

 The world is becoming digital in every field, and the banking sector is one of the sectors affected by this wave of transformation. The prominent digitalization move in the banking sector and the accompanying transformation tend to increase as an expression of a general search for efficiency, especially profitability and competitiveness. This study investigates the relationship between efficiency and digitalization in the Turkish banking sector and the effect of banks digitalization ability on efficiency. The issue of how efficiently banks, whose primary purpose is to make profits, use their existing resources is associated with digitalization. In the research, the data of 11 banks for 2023 were examined, and their efficiency was measured by the Data Envelopment Analysis DEA method. The DEA method allows efficiency analysis to be carried out using different numbers and types of input-output variables. In the study, the efficiency of banks was determined by two input variables total number of branches and total number of employees and three output variables total number of customers, total number of digital customers, and asset profitability ratio. According to the results obtained within the scope of analysis, it was concluded that the efficiency of the banks subject to the study in 2023 was generally low, relative efficiency scores were calculated, and the scores that would make the inefficient banks effective were determined based on each variable.

 The world is becoming digital in every field, and the banking sector is one of the sectors affected by this wave of transformation. The prominent digitalization move in the banking sector and the accompanying transformation tend to increase as an expression of a general search for efficiency, especially profitability and competitiveness. This study investigates the relationship between efficiency and digitalization in the Turkish banking sector and the effect of banks digitalization ability on efficiency. The issue of how efficiently banks, whose primary purpose is to make profits, use their existing resources is associated with digitalization. In the research, the data of 11 banks for 2023 were examined, and their efficiency was measured by the Data Envelopment Analysis DEA method. The DEA method allows efficiency analysis to be carried out using different numbers and types of input-output variables. In the study, the efficiency of banks was determined by two input variables total number of branches and total number of employees and three output variables total number of customers, total number of digital customers, and asset profitability ratio. According to the results obtained within the scope of analysis, it was concluded that the efficiency of the banks subject to the study in 2023 was generally low, relative efficiency scores were calculated, and the scores that would make the inefficient banks effective were determined based on each variable.

 Dünya her alanda dijitalleşmekte ve bu dönüşüm dalgasından etkilenen sektörlerin başında bankacılık sektörü gelmektedir. Bankacılık sektöründe göze çarpan dijitalleşme hamlesi ve beraberinde yaşanan dönüşüm başta kârlılık ve rekabet avantajı olmak üzere genel anlamda bir verimlilik arayışının ifadesi olarak artma eğilimi göstermektedir. Bu çalışmanın amacı verimlilik ve dijitalleşme ilişkisinin Türk bankacılık sektörü ekseninde ele alınması ve bankaların dijitalleşme kabiliyetinin verimlilik üzerindeki etkisinin incelenmesidir. Temel amacı kâr elde etmek olan bankaların mevcut kaynaklarını ne kadar verimli kullandığı meselesi dijitalleşme ile ilişkilendirilmektedir. Araştırmada 11 adet bankanın 2023 yılına ait verileri incelenmiş olup verimlilikleri Veri Zarflama Analizi VZA yöntemi ile ölçülmüştür. VZA yöntemi farklı sayı ve türde girdi-çıktı değişkeni kullanılarak verimlilik analizi gerçekleştirilmesine olanak sağlamaktadır. Gerçekleştirilen analizde bankaların verimliliği iki adet girdi değişkeni toplam şube sayısı ve toplam personel sayısı ve üç adet çıktı değişkeni toplam müşteri sayısı, toplam dijital müşteri sayısı ve aktif kârlılık oranı ile belirlenmiştir. Analiz kapsamında elde edilen sonuçlara göre, çalışmaya konu edilen bankaların 2023 yılındaki verimliliğinin genel olarak düşük olduğu sonucuna ulaşılmış, göreli olarak etkinlik skorları hesaplanmış ve etkin olmayan bankaları etkin hale getirecek skorlar her bir değişken bazında belirlenmiştir.

Makale detayları

Digital Banking Efficiency Analysis in the Turkish Banking Sector

Yazarlar:

Ayça Beyoğlu

Yayıncı:

Hacettepe University

Ana Başlıklar:

Para-Bankacılık | Ekonometri (Diğer)

Dergi:

Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 2, pp.232-248

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001351417

pISSN:

1301-8752

Banking

Efficiency

Digitalization

Digital BankingBankacılık

Verimlilik

Dijitalleşme

Dijital Bankacılık

Sayı

Makale detayları

Yazarlar: Ayça Beyoğlu

Yayıncı: Hacettepe University

Ana Başlıklar: Para-Bankacılık | Ekonometri (Diğer)

Dergi: Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 2, pp.232-248

Belge Tipi: Makale

Yayın Tarihi: 6/2025

Belge Dili: Türkçe

Document ID (Org No.): 2001351417

pISSN: 1301-8752

Sayı

Yazarlar:

Ayça Beyoğlu

Yayıncı:

Hacettepe University

Ana Başlıklar:

Para-Bankacılık | Ekonometri (Diğer)

Dergi:

Hacettepe Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.43 Issue 2, pp.232-248

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001351417

pISSN:

1301-8752