Finansal teknolojilerdeki dijital hizmetlerden yararlanan bireylerin kullanım özeliklerinin belirlenmesi
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Date
2021
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Düzce Üniversitesi
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info:eu-repo/semantics/openAccess
Abstract
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.
This study was conducted to measure the reasons of individuals to use financial technology applications and the perception of trust in financial technology applications in the digital transformation process of the financial industry, and accordingly, the definition of financial technology, its history and the global and Turkish ecosystem were explained first. In the study, the functioning of the technologies used in the finance and banking sector are investigated. Financial technologies have been preferred by individuals in the finance and banking sector thanks to the efficient use of time, the ease of transactions, the accessibility at all times and the security services it provides. According to the results of the study, it is believed that this technology will be preferable as the number of transactions that are available in financial technology applications increases. Also, the study tried to eliminate the lack of knowledge about the financial technology. As long as the uncertainties are not solved, it is not possible to reach an exact conclusion on whether the trust in financial technologies will increase or decrease.
This study was conducted to measure the reasons of individuals to use financial technology applications and the perception of trust in financial technology applications in the digital transformation process of the financial industry, and accordingly, the definition of financial technology, its history and the global and Turkish ecosystem were explained first. In the study, the functioning of the technologies used in the finance and banking sector are investigated. Financial technologies have been preferred by individuals in the finance and banking sector thanks to the efficient use of time, the ease of transactions, the accessibility at all times and the security services it provides. According to the results of the study, it is believed that this technology will be preferable as the number of transactions that are available in financial technology applications increases. Also, the study tried to eliminate the lack of knowledge about the financial technology. As long as the uncertainties are not solved, it is not possible to reach an exact conclusion on whether the trust in financial technologies will increase or decrease.
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Ekonomi, Economics, Bankacılık sektörü, Banking sector, Finans sektörü, Financial sector, Finansal teknolojiler, Financial technologies
