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Journals / Gümüşhane Üniversitesi Sosyal Bilimler Enstitüsü Elektronik Dergisi / 2026 / Cilt: 17 Sayı: 2

A Retrospective Study of the Digital Financial Inclusion Literature

Dijital Finansal Kapsayıcılık Literatürü Üzerine Retrospektif Bir Çalışma

Tuğba Betül Özav, Engin Küçüksille

Pages
308–323
Publication Date
2026-06-07
DOI
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Abstract

This study aims to examine the current situation of research, research gaps, and intellectual evolution in the field of digital financial inclusion using the bibliometric analysis method. 1,638 academic publications collected from the Scopus database between 2008-2023 were analyzed using the Bibliometrix R package. The findings indicate that DFI research significantly increased after 2016 (annual growth rate of 50.68%) due to G20 initiatives and the impact of pandemic-induced digitalization. Geographically, the research focuses in China and Africa due to mobile money usage and regular data infrastructure. The thematic analysis has identified the main research areas: (1) digital infrastructure, (2) regulatory frameworks, and (3) socioeconomic impacts. The analysis indicates the necessity of new research areas such as central bank digital currencies and AI-supported financial services. These findings serve as a guide for researchers and contribute to policymakers developing inclusive digital finance strategies.

Özet

Bu çalışma, dijital finansal kapsayıcılık alanındaki araştırmalarının mevcut durumunu, araştırma boşluklarını ve entelektüel evrimini bibliyometrik analiz yöntemiyle incelemeyi amaçlamaktadır. 2008-2023 yılları arasında Scopus’ta derlenen 1.638 akademik yayın, Bibliometrix-R paketi kullanılarak analiz edilmiştir. Bulgular, G20 girişimleri ve pandemi kaynaklı dijitalleşmenin etkisiyle DFK araştırmalarının 2016 sonrasında (yıllık büyüme %50,68) önemli ölçüde arttığını göstermektedir. Coğrafi olarak araştırmalar, mobil para kullanımı ve düzenli veri altyapısı nedeniyle Çin ve Afrika'da yoğunlaşmaktadır. Tematik analiz, ana araştırma alanlarını belirlemiştir: (1) dijital altyapı, (2) düzenleyici çerçeveler ve (3) sosyoekonomik etkiler. Analiz, merkez bankası dijital paraları ve yapay zeka destekli finansal hizmetler gibi yeni araştırma alanlarının gerekliliğine işaret etmektedir. Bu bulgular, hem araştırmacılar için yol gösterici olmakta hem de politika yapıcıların kapsayıcı dijital finans stratejileri geliştirmesine katkı sağlamaktadır.

Keywords
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Cite This Article

Özav, T. B., Küçüksille, E. (2026). A Retrospective Study of the Digital Financial Inclusion Literature. Gümüşhane Üniversitesi Sosyal Bilimler Enstitüsü Elektronik Dergisi, Cilt: 17 Sayı: 2, 308–323. https://ajindex.com/articles/1066431

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