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Journals / Gümüşhane Üniversitesi Sosyal Bilimler Enstitüsü Elektronik Dergisi / 2026 / Cilt: 17 Sayı: 2

The Effect of Cryptocurrency Investments on the Financial Decision-Making of Consumers

Kripto Para Yatırımlarının Finansal Tüketicilerinin Kararlarına Etkisi

Ebrucan İslamoğlu(Nevşehir Hacı Bektaş Veli Üniversitesi)0000-0002-8297-7370
Samet Demir0000-0002-2761-0795
Pages
652–671
Publication Date
2026-06-07
DOI
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

Results: The findings indicate that cryptocurrencies have a significant impact on the investment decisions of individuals in Nevşehir.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:Aim: This study aims to gain an in-depth understanding of the decision-making processes of investors in Nevşehir regarding cryptocurrencies, focusing on how various factors influence their financial behavior.
📊
Key Findings & Data:Results: The findings indicate that cryptocurrencies have a significant impact on the investment decisions of individuals in Nevşehir.
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Conclusion & Impact:The results may inform policymakers, financial advisors, and future research on cryptocurrency-related investment behavior.
🔬Design:Survey & Empirical Study
📍Scope:Comprehensive Sample
⚙️Variables:Nevşehir · Finansal Tüketici · Kripto Paralar

Abstract

Aim: This study aims to gain an in-depth understanding of the decision-making processes of investors in Nevşehir regarding cryptocurrencies, focusing on how various factors influence their financial behavior. Method: A quantitative research design was adopted, and data were collected using a survey method. The questionnaire captured information on the socio-demographic characteristics, financial conditions, and behavioral tendencies of individual investors residing in Nevşehir. Results: The findings indicate that cryptocurrencies have a significant impact on the investment decisions of individuals in Nevşehir. Most of the investors are public sector employees, and they primarily aim to preserve their capital while seeking high returns. Furthermore, cryptocurrency markets have emerged as a prominent factor shaping financial preferences and strategies. Conclusion: This study contributes to the understanding of how individuals approach cryptocurrency investments, offering insights into the behavioral patterns and motivations behind such financial decisions. The results may inform policymakers, financial advisors, and future research on cryptocurrency-related investment behavior.

Özet

Amaç: Bu çalışma, Nevşehir’deki yatırımcıların kripto paralara yönelik karar verme süreçlerini derinlemesine anlamayı ve çeşitli faktörlerin finansal davranışlarını nasıl etkilediğini ortaya koymayı amaçlamaktadır. Yöntem: Araştırmada nicel bir araştırma deseni benimsenmiş ve veriler anket yöntemiyle toplanmıştır. Anket formu, Nevşehir'de ikamet eden bireysel yatırımcıların sosyo-demografik özellikleri, finansal durumları ve davranışsal eğilimlerine ilişkin bilgiler içermektedir. Bulgular: Elde edilen bulgular, kripto paraların Nevşehir’deki bireylerin yatırım kararları üzerinde önemli bir etkisi olduğunu göstermektedir. Yatırımcıların büyük çoğunluğunu kamu çalışanları oluşturmaktadır ve bu kişiler yatırım yaparken öncelikli olarak sermaye koruması ve yüksek gelir elde etmeyi hedeflemektedir. Ayrıca, kripto para piyasaları bireylerin finansal tercihlerini şekillendiren önemli bir faktör haline gelmiştir. Sonuç: Bu çalışma, bireylerin kripto para yatırımlarına nasıl yaklaştıklarını anlamaya katkı sağlamakta ve bu tür finansal kararların arkasındaki davranışsal kalıplar ile motivasyonlara dair önemli içgörüler sunmaktadır. Elde edilen sonuçlar, politika yapıcılar, finansal danışmanlar ve gelecekteki kripto para yatırımı odaklı araştırmalar için yol gösterici olabilir.

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Cite This Article

İslamoğlu, E., Demir, S. (2026). The Effect of Cryptocurrency Investments on the Financial Decision-Making of Consumers. Gümüşhane Üniversitesi Sosyal Bilimler Enstitüsü Elektronik Dergisi, Cilt: 17 Sayı: 2, 652–671. https://ajindex.com/articles/1066450

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