EVALUATION OF THE RELATIONSHIP BETWEEN DIGITAL BANKING PRACTICES AND ECONOMIC GROWTH WITHIN THE FRAMEWORK OF POLICY

Ayşe Akboz Caner; Esen Eser

Makale detayları

EVALUATION OF THE RELATIONSHIP BETWEEN DIGITAL BANKING PRACTICES AND ECONOMIC GROWTH WITHIN THE FRAMEWORK OF POLICY

Yazarlar:

Ayşe Akboz Caner | Esen Eser

Yayıncı:

Cankiri Karatekin University

Ana Başlıklar:

Kamu Yönetimi | Politika ve Yönetim (Diğer) | Finans

Dergi:

Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.15 Issue 2, pp.300-316

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001353744

pISSN:

1308-5549

Anahtar kelimeler:

Özet:

 Emerging economies are greatly affected by innovations occurring in the financial system. In financial markets and institutions, developing new products and implementing technological innovations constitute the phases of digital banking that develop in the continuation of financial innovation. Digital banking expands economic activities by facilitating financial transactions. The priority development and target policies include the developing and digitalizing financial system. The study examined the relationship between digital banking and economic growth. Credit card utilization rate, number of automated teller machines ATM, and mobile banking utilization rate were used as digital banking variables, and GDP was used to indicate economic growth. As a result of the study, which was prepared using the ARDL boundary test and quarterly data between 2014-2022, it was found that there was a long-term relationship between economic growth and ATM and mobile banking utilization rate. The study examined the causality relationship between the variables with the Toda-Yamamato test.

 Emerging economies are greatly affected by innovations occurring in the financial system. In financial markets and institutions, developing new products and implementing technological innovations constitute the phases of digital banking that develop in the continuation of financial innovation. Digital banking expands economic activities by facilitating financial transactions. The priority development and target policies include the developing and digitalizing financial system. The study examined the relationship between digital banking and economic growth. Credit card utilization rate, number of automated teller machines ATM, and mobile banking utilization rate were used as digital banking variables, and GDP was used to indicate economic growth. As a result of the study, which was prepared using the ARDL boundary test and quarterly data between 2014-2022, it was found that there was a long-term relationship between economic growth and ATM and mobile banking utilization rate. The study examined the causality relationship between the variables with the Toda-Yamamato test.

 Emerging economies are greatly affected by innovations occurring in the financial system. In financial markets and institutions, developing new products and implementing technological innovations constitute the phases of digital banking that develop in the continuation of financial innovation. Digital banking expands economic activities by facilitating financial transactions. The priority development and target policies include the developing and digitalizing financial system. The study examined the relationship between digital banking and economic growth. Credit card utilization rate, number of automated teller machines ATM, and mobile banking utilization rate were used as digital banking variables, and GDP was used to indicate economic growth. As a result of the study, which was prepared using the ARDL boundary test and quarterly data between 2014-2022, it was found that there was a long-term relationship between economic growth and ATM and mobile banking utilization rate. The study examined the causality relationship between the variables with the Toda-Yamamato test.

 Gelişmekte olan ekonomiler, finansal sistemde meydana gelen yeniliklerden büyük ölçüde etkilenmektedir. Finansal piyasalarda ve kurumlarda, yeni ürün geliştirilmesi ve teknolojik yeniliklerin uygulamaya geçmesi finansal yeniliğin devamında gelişen dijital bankacılığın evrelerini oluşturmaktadır. Dijital bankacılık, finansal işlemleri kolaylaştırarak ekonomik faaliyetleri genişletmektedir. Gelişen ve dijitalleşen finansal sistem öncelikli kalkınma ve hedef politikaları içerisinde yer almaktadır. Çalışmada, dijital bankacılık ile ekonomik büyüme arasındaki ilişki incelenmiştir. Dijital bankacılık değişkenleri olarak kredi kartı kullanım oranı KK, Otomatik vezne makineleri ATM sayı ve mobil bankacılık kullanım oranı BKO, ekonomik büyüme göstergesi olarak GSYİH kullanılmıştır. ARDL sınır testi ile 2014-2022 yılları arasındaki üçer aylık veriler kullanılarak hazırlanan çalışma sonucunda, GSYİH ile ATM ve BKO arasında uzun dönemli ilişkinin olduğu analiz sonucunda bulunmuştur. Çalışmada ayrıca Toda-Yamamato testi ile değişkenler arasındaki nedensellik ilişkisi incelenmiştir.

Makale detayları

EVALUATION OF THE RELATIONSHIP BETWEEN DIGITAL BANKING PRACTICES AND ECONOMIC GROWTH WITHIN THE FRAMEWORK OF POLICY

Yazarlar:

Ayşe Akboz Caner | Esen Eser

Yayıncı:

Cankiri Karatekin University

Ana Başlıklar:

Kamu Yönetimi | Politika ve Yönetim (Diğer) | Finans

Dergi:

Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.15 Issue 2, pp.300-316

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001353744

pISSN:

1308-5549

Digital banking

Growth

Public Policy

GDPDijital bankacılık

Büyüme

Kamu politikası

GSYİH

Sayı

Makale detayları

Yazarlar: Ayşe Akboz Caner | Esen Eser

Yayıncı: Cankiri Karatekin University

Ana Başlıklar: Kamu Yönetimi | Politika ve Yönetim (Diğer) | Finans

Dergi: Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.15 Issue 2, pp.300-316

Belge Tipi: Makale

Yayın Tarihi: 6/2025

Belge Dili: Türkçe

Document ID (Org No.): 2001353744

pISSN: 1308-5549

Sayı

Yazarlar:

Ayşe Akboz Caner | Esen Eser

Yayıncı:

Cankiri Karatekin University

Ana Başlıklar:

Kamu Yönetimi | Politika ve Yönetim (Diğer) | Finans

Dergi:

Çankırı Karatekin Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi Vol.15 Issue 2, pp.300-316

Belge Tipi:

Makale

Yayın Tarihi:

6/2025

Belge Dili:

Türkçe

Document ID (Org No.):

2001353744

pISSN:

1308-5549