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Journals / Doğuş Üniversitesi Dergisi / 2026 / Cilt: 27 Sayı: 1

THE IMPORTANCE OF ATTITUDES TOWARD PERSONAL DATA PRIVACY AND SECURITY FOR DIGITAL BANKING USAGE IN TÜRKİYE

TÜRKİYE’DE DİJİTAL BANKACILIK KULLANIMI AÇISINDAN KİŞİSEL VERİLERİN GİZLİLİK VE GÜVENLİĞİNE DAİR TUTUMLARIN ÖNEMİ

Gökhan Özbilge(İSTANBUL GELİŞİM ÜNİVERSİTESİ, İKTİSADİ, İDARİ VE SOSYAL BİLİMLER FAKÜLTESİ, ULUSLARARASI TİCARET VE FİNANSMAN BÖLÜMÜ)0000-0002-9060-091X
Pages
842–859
Publication Date
2026-03-23
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AI Summary & Key Takeaways

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

In light of the findings as a whole, policymakers focusing on digital banking usage preferences are advised to implement targeted and sustainable applications that can contribute to both eliminating gender and educational gaps and ensuring a more transparent understanding of procedures related to the privacy and security of personal data, such as digital financial literacy education.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:The aim of this study is to classify and examine the effects of individuals’ attitudes toward personal data privacy and security, as well as their socioeconomic conditions, on digital banking usage in Türkiye within the framework of Communication Privacy Management Theory.
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Key Findings & Data:The empirical findings of the study are based on the Household Information Technology Usage Survey Micro Data Set provided by TurkStat for the years 2021 and 2023 and on analyses conducted using the C5.0 decision tree algorithm.
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Conclusion & Impact:In light of the findings as a whole, policymakers focusing on digital banking usage preferences are advised to implement targeted and sustainable applications that can contribute to both eliminating gender and educational gaps and ensuring a more transparent understanding of procedures related to the privacy and security of personal data, such as digital financial literacy education.
🔬Design:Survey & Empirical Study
📍Scope:2021 Verileri
⚙️Variables:Dijital Bankacılık · Gizlilik ve Güvenlik · İletişim Gizliliği Yönetimi Teorisi

Abstract

The aim of this study is to classify and examine the effects of individuals’ attitudes toward personal data privacy and security, as well as their socioeconomic conditions, on digital banking usage in Türkiye within the framework of Communication Privacy Management Theory. The empirical findings of the study are based on the Household Information Technology Usage Survey Micro Data Set provided by TurkStat for the years 2021 and 2023 and on analyses conducted using the C5.0 decision tree algorithm. The empirical findings highlight the effects of gender, education, and the pressure to digitalize created by pandemic conditions on the decision to use digital banking. According to the Communication Privacy Management Theory, these factors indicate that individuals' use of digital banking may be dependent on privacy boundaries, privacy rules, and collective coordination patterns. In light of the findings as a whole, policymakers focusing on digital banking usage preferences are advised to implement targeted and sustainable applications that can contribute to both eliminating gender and educational gaps and ensuring a more transparent understanding of procedures related to the privacy and security of personal data, such as digital financial literacy education.

Özet

Bu çalışmanın amacı, İletişim Gizliliği Yönetimi Teorisi çerçevesinde Türkiye’deki bireylerin kişisel verilerin gizliliği ve güvenliği hakkındaki tutumları ile sosyoekonomik koşullarının dijital bankacılık kullanımlarına olan etkilerini sınıflandırmak ve incelemektir. Çalışmanın somut çıktıları, 2021 ve 2023 yılları için Türkiye İstatistik Kurumu tarafından sağlanan Hanehalkı Bilişim Teknolojileri Kullanım Araştırması Mikro Veri Seti ile C5.0 karar ağacı algoritmasına dayanmaktadır. Sınıflandırma sonuçları, dijital bankacılık kullanım kararı üzerinde cinsiyet, eğitim ve dijitalleşme baskısı yaratan pandemi koşullarının etkilerine dikkat çekerken kişisel verilerin gizliliği ve güvenliği açısından ise şu üç önemli faktörü işaret etmektedir: Güvenlik kontrolü, gizlilik politikalarının okunması ve erişimin sınırlandırılması. İletişim Gizliliği Yönetim Teorisine göre bu faktörler, bireylerin dijital bankacılık kullanımlarının gizlilik sınırları, gizlilik kuralları ve kolektif koordinasyon örüntülerine bağlı olabileceğini göstermektedir. Bir bütün olarak elde edilen bulgular ışığında, dijital bankacılık kullanım tercihlerine odaklanan politika yapıcılara, dijital finansal okuryazarlık eğitimi gibi hem cinsiyet ile eğitim eşitsizliklerinin giderebilmesine hem de kişisel verilerin gizliliği ve güvenliğine dair prosedürlerin daha şeffaf bir şekilde anlaşılmasına katkı sunabilecek uygulamaların hedef odaklı ve sürdürülebilir bir şekilde hayata geçirilmesi tavsiye edilmektedir.

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Cite This Article

Özbilge, G. (2026). THE IMPORTANCE OF ATTITUDES TOWARD PERSONAL DATA PRIVACY AND SECURITY FOR DIGITAL BANKING USAGE IN TÜRKİYE. Doğuş Üniversitesi Dergisi, Cilt: 27 Sayı: 1, 842–859. https://doi.org/10.31671/doujournal.1821289

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