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Journals / BDDK Bankacılık ve Finansal Piyasalar Dergisi / 2025 / Cilt: 19 Sayı: 2

Finansal Teknoloji Uygulamalarının Bankacılık Kredi Riski Üzerinde Etkisinin Panel Veri Analiz Yöntemiyle İncelenmesi

Meltem Akarsu Aydın(Bankacılık Düzenleme ve Denetleme Kurumu)0000-0003-4207-9960
Halil Tunalı(İstanbul Üniversitesi)0000-0002-7065-4080
Pages
198–221
Publication Date
2025-12-30
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AI Summary & Key Takeaways

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

Fintek çözümleri finansal hizmetlere erişimi ve kapsayıcılığı olumlu etkilemesine rağmen; gelir seviyesinin ve finansal okuryazarlık düzeyi düşük ülkelerde bireylerin gelirlerinin üzerinde borçlanmaları, dijitalleşmenin yeterince benimsenmemesi, finansal altyapının yetersiz olması, bankaların müşteri risk seviyelerini doğru hesaplayamaması ve fintek alanındaki düzenleme boşlukları gibi nedenlerden dolayı fintek uygulamalarının bankaların kredi riskini artırdığı görülmüştür.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:COVID-19 pandemisi sürecinde fiziksel teması azaltmaya yönelik alınan düzenleyici önlemler, bireylerin finansal ürün ve hizmetlere dijital kanallar üzerinden erişimini hızlandırmış ve finansal teknolojiler (fintek) alanında önemli gelişmelerin yaşanmasına yol açmıştır.
📊
Key Findings & Data:Literatürdeki çalışmalar, fintek alanındaki gelişmeleri genellikle olumlu bir bakış açısıyla değerlendirse de, düzenleyici boşlukların da etkisiyle bazı bankacılık risklerinde artış gözlemlenmiştir.
💡
Conclusion & Impact:Fintek çözümleri finansal hizmetlere erişimi ve kapsayıcılığı olumlu etkilemesine rağmen; gelir seviyesinin ve finansal okuryazarlık düzeyi düşük ülkelerde bireylerin gelirlerinin üzerinde borçlanmaları, dijitalleşmenin yeterince benimsenmemesi, finansal altyapının yetersiz olması, bankaların müşteri risk seviyelerini doğru hesaplayamaması ve fintek alanındaki düzenleme boşlukları gibi nedenlerden dolayı fintek uygulamalarının bankaların kredi riskini artırdığı görülmüştür.
🔬Design:Review & Systematic Survey
📍Scope:2014–2023 Verileri
⚙️Variables:Finansal Teknoloji · Bankacılık · Kredi Riski

Özet

COVID-19 pandemisi sürecinde fiziksel teması azaltmaya yönelik alınan düzenleyici önlemler, bireylerin finansal ürün ve hizmetlere dijital kanallar üzerinden erişimini hızlandırmış ve finansal teknolojiler (fintek) alanında önemli gelişmelerin yaşanmasına yol açmıştır. Bu gelişmeler, finans sektöründe kapsamlı bir dijital dönüşüm sürecini beraberinde getirmiştir. Literatürdeki çalışmalar, fintek alanındaki gelişmeleri genellikle olumlu bir bakış açısıyla değerlendirse de, düzenleyici boşlukların da etkisiyle bazı bankacılık risklerinde artış gözlemlenmiştir. Bu çalışmada, 2014–2023 yılları arasında G20 ülkelerinde fintek uygulamalarının bankacılık sektöründeki kredi riski üzerindeki etkisi panel veri analizi yöntemiyle incelenmiş ve fintek uygulamalarının genel olarak kredi riskini artırdığı sonucuna ulaşılmıştır. Fintek çözümleri finansal hizmetlere erişimi ve kapsayıcılığı olumlu etkilemesine rağmen; gelir seviyesinin ve finansal okuryazarlık düzeyi düşük ülkelerde bireylerin gelirlerinin üzerinde borçlanmaları, dijitalleşmenin yeterince benimsenmemesi, finansal altyapının yetersiz olması, bankaların müşteri risk seviyelerini doğru hesaplayamaması ve fintek alanındaki düzenleme boşlukları gibi nedenlerden dolayı fintek uygulamalarının bankaların kredi riskini artırdığı görülmüştür.

🔖

Cite This Article

Aydın, M. A., Tunalı, H. (2025). Finansal Teknoloji Uygulamalarının Bankacılık Kredi Riski Üzerinde Etkisinin Panel Veri Analiz Yöntemiyle İncelenmesi. BDDK Bankacılık ve Finansal Piyasalar Dergisi, Cilt: 19 Sayı: 2, 198–221. https://doi.org/10.46520/bddkdergisi.1851557

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