SavedAdd your journal

Journals / İstanbul Esenyurt Üniversitesi İşletme ve Yönetim Bilimleri Fakültesi Sosyal Bilimler Araştırmaları Dergisi / 2025 / Cilt: 5 Sayı: 2

THE RELATIONSHIP BETWEEN FINANCIAL DIGITALIZATION AND FINANCIAL LITERACY FROM A GENERATION Z PERSPECTIVE

Z KUŞAĞI PERSPEKTİFİNDEN FİNANSAL DİJİTALLEŞME VE FİNANSAL OKURYAZARLIK İLİŞKİSİ

Şaban Onur Viga(ISTANBUL ESENYURT UNIVERSITY, FACULTY OF BUSINESS ADMINISTRATION AND MANAGEMENT SCIENCES)0000-0002-1676-7850
Merve Doğruel(İSTANBUL ESENYURT ÜNİVERSİTESİ)0000-0003-2299-7182
Ülker Başar(İSTANBUL ESENYURT ÜNİVERSİTESİ)0009-0000-6720-4161
Zekeriya Şahin(İSTANBUL ESENYURT ÜNİVERSİTESİ)0000-0002-2811-3264
Yasemin Sarıcı(İSTANBUL ESENYURT ÜNİVERSİTESİ)0000-0002-3026-5398
Pages
205–217
Publication Date
2025-12-29
🏛️Bibliographic metadata and full text access for this article are provided via DergiPark.
DergiPark Record ↗
✨

AI Summary & Key Takeaways

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

The findings revealed that participants exhibited the highest scores in financial attitudes, whereas financial knowledge and financial behavior remained relatively lower.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:This study aims to examine the relationship between financial literacy and financial digitalization from the perspective of Generation Z.
📊
Key Findings & Data:The research was conducted with data collected from 111 participants and includes five main dimensions: financial knowledge, financial attitude, financial behavior, digital financial attitude, and digital financial usage.
💡
Conclusion & Impact:The findings revealed that participants exhibited the highest scores in financial attitudes, whereas financial knowledge and financial behavior remained relatively lower.
🔬Design:Araştırma Makalesi
📍Scope:Comprehensive Sample
⚙️Variables:Finansal Okuryazarlık · Dijital Finans · Z Kuşağı

Abstract

This study aims to examine the relationship between financial literacy and financial digitalization from the perspective of Generation Z. The research was conducted with data collected from 111 participants and includes five main dimensions: financial knowledge, financial attitude, financial behavior, digital financial attitude, and digital financial usage. Reliability analyses indicated that the scales generally demonstrated high internal consistency, while the digital financial attitude dimension showed moderate reliability. The findings revealed that participants exhibited the highest scores in financial attitudes, whereas financial knowledge and financial behavior remained relatively lower. Pearson correlation results showed a strong relationship between financial attitude and financial behavior (r = .79), as well as a significant and moderately high correlation between digital financial attitude and digital financial usage (r = .62). Additionally, the strong correlation between financial behavior and digital financial usage (r = .75) suggests that digital financial tools function as an extension of traditional financial behaviors. Comparisons by gender and education level indicated no significant differences across all factors. Overall, the study demonstrates that while Generation Z possesses strong financial attitudes, their knowledge and behavioral levels do not fully align with these attitudes; furthermore, digitalization appears to have an integrative effect on financial behaviors.

Özet

Bu çalışma, Z kuşağı perspektifinden finansal okuryazarlık ile finansal dijitalleşme arasındaki ilişkiyi incelemeyi amaçlamaktadır. Araştırma, 111 katılımcıdan elde edilen verilerle yürütülmüş olup finansal bilgi, finansal tutum, finansal davranış, dijital finansal tutum ve dijital finansal kullanım olmak üzere beş temel boyutu kapsamaktadır. Güvenirlik analizleri, ölçeklerin büyük ölçüde yüksek iç tutarlılığa sahip olduğunu göstermiş; yalnızca dijital finansal tutum boyutunun orta düzeyde bir güvenirlik sunduğu belirlenmiştir. Bulgular, katılımcıların finansal tutum düzeylerinin diğer tüm faktörlere kıyasla daha yüksek olduğunu, finansal bilgi ve davranış düzeylerinin ise görece daha düşük kaldığını ortaya koymaktadır. Pearson korelasyon analizi, finansal tutum ile finansal davranış arasında güçlü bir ilişki (r = .79), dijital tutum ile dijital kullanım arasında ise anlamlı ve orta-yüksek düzeyde bir ilişki (r = .62) bulunduğunu göstermiştir. Ayrıca finansal davranış ile dijital kullanım arasındaki yüksek korelasyon (r = .75), dijital finansal araçların geleneksel finansal davranışları tamamlayıcı nitelikte olduğunu göstermektedir. Cinsiyet ve eğitim düzeyine göre yapılan karşılaştırmalarda ise tüm faktörlerde anlamlı bir farklılık bulunmamıştır. Sonuç olarak çalışma, Z kuşağının finansal tutum açısından güçlü bir profile sahip olduğunu, ancak bilgi ve davranış düzeylerinin tutumlarını tam olarak desteklemediğini göstermekte; dijitalleşmenin finansal davranışlar üzerindeki bütünleştirici etkisini vurgulamaktadır.

🔖

Cite This Article

Viga, Ş. O., Doğruel, M., Başar, Ü., Şahin, Z., Sarıcı, Y. (2025). THE RELATIONSHIP BETWEEN FINANCIAL DIGITALIZATION AND FINANCIAL LITERACY FROM A GENERATION Z PERSPECTIVE. İstanbul Esenyurt Üniversitesi İşletme ve Yönetim Bilimleri Fakültesi Sosyal Bilimler Araştırmaları Dergisi, Cilt: 5 Sayı: 2, 205–217. https://doi.org/10.61349/iesbad.1834084

📄 Full Text PDF Viewer

📄

PDF görüntüleyici hazırlanıyor...

References (27)

  1. Atkinson, A., & Messy, F. A. (2012). Measuring financial literacy: Results of the OECD/International Network on Financial Education (INFE) pilot study (OECD Working Papers on Finance, Insurance and Private Pensions, No. 15). OECD Publishing.
  2. Bapat, D. (2020). Antecedents to responsible financial management behavior among young adults. International Journal of Bank Marketing, 38(7), 1655–1672.
  3. Bucher-Koenen, T., Lusardi, A., Alessie, R., & van Rooij, M. (2017). How financially literate are women? An overview and new insights. Journal of Consumer Affairs, 51(2), 255–283.
  4. Dimock, M. (2019, January 17). Defining generations: Where Millennials end and Generation Z begins. Pew Research Center.
  5. Gai, K., Qiu, M., & Sun, X. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262–273.
  6. Gomber, P., Koch, J.-A., & Siering, M. (2018). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 87, 537–580.
  7. Grohmann, A. (2022). Financial literacy and gender in developing countries. Journal of Economic Surveys, 36(3), 764–787.
  8. Kaiser, T., & Menkhoff, L. (2017). Does financial education impact financial literacy and financial behavior? A meta-analysis (World Bank Policy Research Working Paper No. 8101). World Bank.
  9. Klapper, L., Lusardi, A., & van Oudheusden, P. (2015). Financial literacy around the world: Insights from the Standard & Poor’s Ratings Services global financial literacy survey. S&P Global.
  10. Laukkanen, T. (2016). Consumer adoption of mobile banking in Finland. International Journal of Mobile Communications, 14(2), 230–245.
  11. Liao, G., Li, S., & Wang, X. (2022). Digital finance, financial literacy, and household consumption. Finance Research Letters, 46, 102379.
  12. Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
  13. Lusardi, A., Mitchell, O. S., & Curto, V. (2010). Financial literacy among the young. Journal of Consumer Affairs, 44(2), 358–380.
  14. Morgan, P. J., & Long, T. Q. (2020). Financial literacy, financial inclusion, and savings behavior in Laos (ADBI Working Paper No. 1160). Asian Development Bank Institute.
  15. Organisation for Economic Co-operation and Development. (2020). OECD/INFE 2020 international survey of adult financial literacy. OECD Publishing.
  16. Organisation for Economic Co-operation and Development. (2021). Digital financial literacy: Policy responses and measurement frameworks. OECD Publishing.
  17. Özmen, G., & Demir, Ö. (2024). Finansal okuryazarlık ve finansal dijitalleşme ilişkisi: Z kuşağı üzerine bir araştırma. İnönü Üniversitesi Uluslararası Sosyal Bilimler Dergisi, 13(2), 362–385.
  18. Rai, K., Dua, S., & Yadav, M. (2019). Association of financial attitude, financial behaviour and financial knowledge towards financial literacy: A structural equation modeling approach. FIIB Business Review, 8(1), 51–60.
  19. Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142.
  20. Shim, S., Barber, B. L., Card, N. A., Xiao, J. J., & Serido, J. (2010). Financial socialization of young adults: The role of family, work, and education. Journal of Youth and Adolescence, 39(12), 1457–1470.
  21. Szmigiera, M. (2020). FinTech – Statista segment report. Statista.
  22. Turner, A. (2015). Generation Z: Technology and social interest. Journal of Individual Psychology, 71(2), 103–113.
  23. Uraz Kaya, İ. (2020). Finansal okuryazarlık ve finansal dijitalleşme ilişkisi: Bankacılık ve finans bölümü öğrencileri üzerine bir araştırma (Yüksek lisans tezi). Burdur Mehmet Akif Ersoy Üniversitesi, Sosyal Bilimler Enstitüsü.
  24. Uraz Kaya, İ., & Kılıç, M. B. (2021). Finansal okuryazarlık ve dijitalleşme: Ölçek geliştirme üzerine bir çalışma. İktisadi İdari ve Siyasal Araştırmalar Dergisi, 6(15), 296–315.
  25. Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.
  26. Wójcik, D. (2020). Financial geography II: The impacts of FinTech – Financial sector and centres, regulation and stability, inclusion and governance. Progress in Human Geography, 45(4), 878–889.
  27. Xiao, J. J., & Porto, N. (2017). Financial education and financial satisfaction: Financial literacy, behavior, and capability as mediators. International Journal of Bank Marketing, 35(5), 757–771.