Dijital Finansal Okuryazarlık ve Bireylerin Finansal Teknoloji Kullanma Konusundaki Tutumları

Abstract

’Fintech’’ is defined as a new stream that is comprised by the combination of finance and technology in order to use of financial services easier and faster. In this study, 102 people were selected by random sampling method and primarily their literacy in finance was measured. At the same time the attitudes and usage rates of the participants about the digital financial products and services have been examined. Seven factors were determined as effected to individuals’ attitudes about using financial technologies: (1) Perceived risk, (2) Operational risk, (3) Security risk, (4)Legal risk, (5) Seamless transaction, (6) Perceived benefit and (7) Economic benefits. The results of the study showed that participants have information about a large part of digital financial products and services but more education and information are necessary for using applications and tools that require more information for their use. Besides, it was seen that the seamless transaction factor was quite effective on participants' attitudes and behaviors towards using digital financial products and services. Primary matter is to give education to young people to learn digital technologies, applications and products. Incentives must be given to startups for create innovations and brands. If digital transformation and digital financial innovations cannot be realized, competition will be more hard for developing countries.