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The drivers of e-banking use and the role of the Internet of Things in Türkiye: Considering internet use to address sample selection bias

Türkiye’de e-bankacılık kullanımının belirleyicileri ve Nesnelerin İnternetinin rolü: Örneklem seçim yanlılığını önlemek için internet kullanımını dikkate almak

Bayram Veli Doyar(SÜLEYMAN DEMİREL ÜNİVERSİTESİ)0000-0002-4886-7709
Yunus Kutval(KAFKAS ÜNİVERSİTESİ)0000-0003-0063-9157
Pages
717–733
Publication Date
2026-05-11
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AI Summary & Key Takeaways

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

The empirical findings indicate that the young, those in smaller households, the educated, the employed, those in higher income households, and those in households with laptops, tablets, internet connection, and other technologies are more likely to use the internet.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:Financial technologies representing the innovative aspects of financial services advance human life by simplifying banking transactions.
📊
Key Findings & Data:For this purpose, a survey dataset covering 29,581 individuals from the Turkish Statistical Institute implemented in 2022 is employed.
💡
Conclusion & Impact:The empirical findings indicate that the young, those in smaller households, the educated, the employed, those in higher income households, and those in households with laptops, tablets, internet connection, and other technologies are more likely to use the internet.
🔬Design:Survey & Empirical Study
📍Scope:2022 Verileri
⚙️Variables:e-Bankacılık · yenilik · örneklem seçimi

Abstract

Financial technologies representing the innovative aspects of financial services advance human life by simplifying banking transactions. Considering their advantages, this study aims to examine the contributing factors to e-Banking use in Türkiye based on the Neoclassical utility. For this purpose, a survey dataset covering 29,581 individuals from the Turkish Statistical Institute implemented in 2022 is employed. The literature lacks studies considering the Internet of Things devices, most of which also ignore sample selection bias. Using a probit model with sample selection, this study also discovers the factors affecting internet use. The empirical findings indicate that the young, those in smaller households, the educated, the employed, those in higher income households, and those in households with laptops, tablets, internet connection, and other technologies are more likely to use the internet. Also, men, those under the age of 36 years, those in smaller households, the educated, the employed, those in high-income households, those in households with tablets and internet connection, and those in households with Internet of Things devices are more likely to use e-Banking. Based on these findings, the study draws policy implications to increase internet and e-Banking use in Türkiye.

Özet

Finansal hizmetlerin yenilikçi yönlerini temsil eden finansal teknolojiler, bankacılık işlemlerini basitleştirerek insan hayatını kolaylaştırmaktadır. Günümüzde bankacılık hizmetleri Nesnelerin İnterneti (IoT) cihazlarına entegre edilmektedir. Ancak, IoT cihazlarının e-bankacılık kullanımına etkisini inceleyen bir çalışma bulunmamaktadır. Bu yüzden Türkiye’de e-bankacılık kullanımının belirleyicilerini ve IoT cihazlarının rolünü ortaya koymayı amaçlanmıştır. Türk İstatistik Enstitüsü’nden alınan 2022 yılına ait ve 29.581 bireyi kapsayan bir veri setinden yararlanılmaktadır. Literatürdeki çalışmaların örneklem seçim yanlılığını göz ardı ettiği görülmektedir. E-bankacılık sorusu sadece internet kullanmış bireylere sorulduğu için bir probit örneklem seçim modeli kullanılmıştır. Böylece hem internet kullanımını hem de e-bankacılık kullanımını belirleyen faktörler ortaya konmuştur. Ana bulgular bilgi iletişim teknolojileri (ICT) sahipliğinin internet kullanımını pozitif etkilediğini ve e-bankacılık kullanımının hem ICT hem de IoT cihazı sahipliğinden pozitif etkilendiğini göstermektedir. IoT cihazlarının önemli zaman tasarrufu sağladığı ve kullanıcılarının teknoloji ilgilerinin ve dijital becerilerinin daha yüksek olabileceği vurgulanmaktadır. Çalışma, e-bankacılık kullanımını ve IoT cihazı sahipliğini artıracak politika önerileri sunularak sonlandırılmaktadır.

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Cite This Article

Doyar, B. V., Kutval, Y. (2026). The drivers of e-banking use and the role of the Internet of Things in Türkiye: Considering internet use to address sample selection bias. Fırat Üniversitesi Sosyal Bilimler Dergisi, Cilt: 36 Sayı: 2, 717–733. https://doi.org/10.18069/firatsbed.1652909

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