Differences in Employees’ Digitalization Competencies and Attitudes: A Study in Insurance and Banking Sector

Authors : Meltem Bakkal, Mesut Öztırak

Pages : 101-128

View : 62 | Download : 67

Publication Date : 2025-03-19

Article Type : Research Paper

Abstract :This research aims to examine the differences in digitalization competencies and attitudes of employees in the insurance and banking sectors. Data were collected through an online survey conducted with 212 employees operating in the insurance and banking sectors in Istanbul in December 2024. The data were analyzed using SPSS 21 and SPSS AMOS 21 software. Cronbach\\\'s alpha coefficient was used for reliability tests, Confirmatory Factor Analysis for structural equation modeling, and parametric and nonparametric tests for the purpose of the research. The research findings revealed that the digital competence and adaptation perceptions of employees in the sector were generally high, while their digital anxiety was low. It was found that the level of education and income were among the most important factors determining the digital competence perceptions of employees. Individuals with higher education and income levels have stronger digital competencies and adaptation perceptions. In addition, it was observed that digital competence and adaptation perceptions increased with the increase in internet usage time, while digital anxiety decreased. These findings show that increasing educational opportunities and digital access opportunities in digitalization processes will positively affect the digital transformation in the sector by accelerating the technological adaptation of employees. It is emphasized that such strategies should be adopted in order for digitalization to be implemented more effectively in the insurance and banking sectors.
Keywords : Dijitalleşme, Yetkinlik, Dijital Yetkinlik, Çalışan Tutumları