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Journals / JOEEP: Journal of Emerging Economies and Policy / 2026 / Cilt: 10 Sayı: 1

Financial Literacy and Digitalization: A Study on Individual Customers of Participation Banks

Finansal Okuryazarlık ve Dijitalleşme: Katılım Bankası Bireysel Müşterileri Üzerine İnceleme

Yunus Kutval(KAFKAS ÜNİVERSİTESİ)0000-0003-0063-9157
Pages
608–620
Publication Date
2025-06-30
DOI
—
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AI Summary & Key Takeaways

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

Given the limited number of studies in this field in Turkey, the research offers a valuable contribution to the literature.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:The purpose of this research is to examine the financial literacy and digitalization attitudes of individual customers of participation banks (Islamic Banking) operating in Turkey.
📊
Key Findings & Data:Within this scope, a survey was conducted with 404 participants.
💡
Conclusion & Impact:Given the limited number of studies in this field in Turkey, the research offers a valuable contribution to the literature.
🔬Design:Survey & Empirical Study
📍Scope:Comprehensive Sample
⚙️Variables:Katılım Bankacılığı · Finansal okuryazarlık · Dijitalleşme

Abstract

The purpose of this research is to examine the financial literacy and digitalization attitudes of individual customers of participation banks (Islamic Banking) operating in Turkey. Within this scope, a survey was conducted with 404 participants. The data were analyzed using the Structural Equation Modeling (SEM) method with Smart PLS 4.1.1.2 software. The results revealed that the strongest relationship is the effect of Financial Knowledge (FK) variable on Financial Behavior (FB) and Financial Attitude (FA). Additionally, the effects of Digital Financial Attitude (DFA) variable on Digital Financial Behavior (DFB) and Financial Behavior (FB) are noteworthy. All variables showed significant effects, increasing the explanatory power of the study. The findings provide important data for participation banks to understand customer attitudes and offer innovative products. Given the limited number of studies in this field in Turkey, the research offers a valuable contribution to the literature.

Özet

Bu araştırmanın amacı, Türkiye’de faaliyet gösteren katılım bankalarının (İslamî Bankacılık) bireysel müşterilerinin finansal okuryazarlık ve dijitalleşme tutumlarını incelemektir. Bu kapsamda, 404 katılımcıya anket uygulanmıştır. Veriler, Smart PLS 4.1.1.2 yazılımıyla Yapısal Eşitlik Modellemesi (YEM) yöntemiyle analiz edilmiştir. Sonuçlar, Finansal Bilgi (FB) değişkeninin Finansal Davranış (FD) ve Finansal Tutum (FT) üzerindeki etkisinin en güçlü ilişki olduğunu göstermiştir. Ayrıca, Dijital Finansal Tutum (DFT) değişkeninin Dijital Finansal Davranış (DFD) ve Finansal Davranış (FD) üzerindeki etkileri dikkat çekicidir. Tüm değişkenler anlamlı etkiler göstermiş, çalışmanın açıklayıcı gücünü artırmıştır. Bulgular, katılım bankalarının müşteri tutumlarını anlamaları ve yenilikçi ürünler sunmaları için önemli veriler sunmaktadır. Türkiye’de bu alanda sınırlı çalışma olduğundan, araştırma literatüre değerli bir katkı sağlamaktadır.

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Cite This Article

Kutval, Y. (2025). Financial Literacy and Digitalization: A Study on Individual Customers of Participation Banks. JOEEP: Journal of Emerging Economies and Policy, Cilt: 10 Sayı: 1, 608–620. https://ajindex.com/articles/1504176

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