Digital Banking During the Covid-19 Era in Türkiye

Ahmet Bünyan Oğuz; Yeşim Pınar Sarıca

TR EN

Covid-19 Döneminde Türkiye’de Dijital Bankacılık

Öz

2020 yılının başlarında Çin'in Wuhan kentinde ortaya çıkarak tüm dünyaya yayılan Covid-19 pandemisi, herkesin özel ve iş hayatını ciddi şekilde etkiledi. Bireyler kendilerini pandemiden koruyarak yaşamlarına devam etmeye çalışırken, işletmeler bireysel tüketici davranışlarındaki değişime ayak uydurmay çalıştı. Bu çalışma, Türkiye'deki dijital bankacılık kullanım eğilimlerini, Ocak 2020 ile Haziran 2022 arasındaki Covid-19 pandemisi dönemine odaklanarak, devletin uyguladığı sokağa çıkma kısıtlamaları, sokağa çıkma yasakları ve işletmelere toplu erişim kısıtlamaları gibi önlemler kapsamında, mevcut veriler kullanılarak analiz etmektedir. sanal kredi kartları, mail order ve telefon ödemeleri, temassız kartlar, yerli kredi kartları, kredi ve banka kartı adetleri, dijital bankacılık, internet bankacılığı ve mobil bankacılık ile ilgili üç aylık işlem ve kullanım verileri. Araştırma bulguları, internet ve dijital bankacılık kullanımı artarken, temassız kart, sanal kredi kartı işlemlerinde önemli değişiklikler gözlemlendiğini ve pandemi döneminde ister gönüllü olarak ister kısıtlamaların etkisiyle ve gerçekleştirme niyetiyle bankacılıkta kullanıcı tercihinde bir kaymaya işaret ettiğini gösteriyor. işlemleri kendilerini kalabalıktan uzaklaştırıyor. Bu değişimin kalıcı olup olmadığını analiz edecek araştırmaların yapılması gerekmektedir.

Anahtar Kelimeler

Digital Banking During the Covid-19 Era in Türkiye

Abstract

The Covid-19 pandemic which began in early 2020 in Wuhan, China and spread around the world, created a serious impact on personal and business life for all. While individuals tried to protect themselves from the pandemic and continue their lives, businesses also tried to cope with the change in individual consumer behaviour. This study analyses the digital banking usage trends in Türkiye, focusing on the Covid-19 pandemic period, between January 2020 and June 2022, under the precautions imposed by the government such as lock-downs, curfews and public access limitations to businesses, using available quarterly transaction and usage data on virtual credit cards, mail order and phone payments, contactless cards, domestic credit cards, number of credit and bank cards, digital banking, internet banking and mobile banking. Research findings suggest that while internet and digital banking usage increased, significant changes have been observed in contactless card, virtual credit card transactions indicating a shift in user preference in banking during the pandemic period either voluntarily or with the effects of the restrictions and intention to realize their transactions distancing themselves from the crowds. Further research analysing whether this shift is permanent or not is recommended.

Keywords

References

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Details

Primary Language

English

Subjects

Banking and Insurance (Other)

Journal Section

Research Article

Authors

Ahmet Bünyan Oğuz ^*
Türkiye

Yeşim Pınar Sarıca
Türkiye

Early Pub Date

December 30, 2023

Publication Date

December 31, 2023

Submission Date

September 19, 2023

Acceptance Date

December 12, 2023

Published in Issue

Year 2023 Volume: 2 Number: 2

IZ

https://izlik.org/JA49MM22AR

Cite

RIS / Bibtex

APA

Oğuz, A. B., & Sarıca, Y. P. (2023). Digital Banking During the Covid-19 Era in Türkiye. Uluslararası Güncel Sosyal Bilimler Dergisi, 2(2), 60-68. https://izlik.org/JA49MM22AR