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    Determination of Usage Characteristics of Individuals Using the Digital Services in Financial Technologies
    (Politik Ekonomik ve Sosyal Araştırmalar Merkezi, 2024) Durhan, Rabia; Şahin, Özkan
    In this study, which aims to measure the reasons for individuals' use of financial technology applications and their trust in financial technology applications during the digital transformation process in the finance sector, firstly, the definition of financial technology, its history, and the ecosystem in the world and Turkey are explained. The study examines the functioning of the technologies used in the finance and banking sector. Financial technologies have been preferred by individuals in the finance and banking sector due to their efficient use of time, ease of operations, availability at all times, and security services. According to the results of the study, as the number of operations that can be performed in financial technology applications increases, it is thought that this technology will be preferable. In addition, the study tried to overcome the lack of information on financial technology. Unless uncertainties are eliminated, no inference can be made about whether the trust in financial technologies will increase or decrease.
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    FINANCIAL TECHNOLOGY: AN INTERDISCIPLINARY PERSPECTIVE
    (Düzce Üniversitesi, 2024) Durhan, Rabia; Şahin, Özkan
    Developments that take place in information and communication technologies affect our lives and sectors. In particular, with the widespread use of the Internet and smartphones being an essential part of our daily lives, new technological areas and products have started to emerge. One of these technological areas is financial technology, which is the combination of finance and technology. Financial technology first emerged in a paper published by a still anonymous person or group known by the pseudonym Satoshi Nakamoto, which explained the cryptocurrency Bitcoin and what the future of finance will be. Financial technology (FinTech) is a field that has developed in recent years and combines conventional financial services with technology. The interdisciplinary approach in this area constitutes the general structure of FinTech. In this study, how financial technology interacts with and transforms different disciplines are examined. In the study, the relationship between financial technology and different disciplines was analyzed by secondary data analysis, one of the qualitative research methods. According to the findings, business, technology, law, economics, psychology and many other disciplines contribute to the success of financial technology. This interdisciplinary cooperation makes financial services more accessible, efficient and secure. Developments that will take place in the field of financial technology will further increase these interdisciplinary interactions and thus, transform the financial sector. This paper is expected to become as a guide about financial technology for researchers and practitioners who work in different disciplinary fields
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    Finansal teknolojilerdeki dijital hizmetlerden yararlanan bireylerin kullanım özeliklerinin belirlenmesi
    (Düzce Üniversitesi, 2021) Durhan, Rabia; Şahin, Özkan
    Finans sektöründe yaşanan dijital dönüşüm sürecinde bireylerin finansal teknoloji uygulamalarını kullanım nedenleri ve finansal teknoloji uygulamalarına duyulan güveni ölçmek amacıyla gerçekleştirilen bu çalışmada öncelikle finansal teknoloji tanımı, tarihi, dünya ve Türkiye ekosistemi anlatılmıştır. Çalışmada finans ve bankacılık sektöründe kullanılan teknolojilerin işleyişi incelenmiştir. Finansal teknolojiler, finans ve bankacılık sektöründe, zamanın verimli kullanılması, işlemlerin kolaylıkla yapılabilmesi, her zaman ulaşılabilir olması ve sunduğu güvenlik hizmetleriyle bireyler tarafından tercih edilebilir olmuştur. Çalışma sonuçlarına göre finansal teknoloji uygulamalarında yapılabilecek işlem sayısı arttıkça bu teknolojinin tercih edilebilir olacağı düşünülmektedir. Ayrıca çalışmada finansal teknolojiye ilişkin bilgi yetersizlikleri giderilmeye çalışılmıştır. Belirsizlikler ortadan kalkmadıkça finansal teknolojilere duyulan güvenin artıp azalması konusunda bir çıkarım yapılamamaktadır.