Financial Literacy and Digitalization: A Study on Individual Customers of Participation Banks

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JOEEP: Journal of Emerging Economies and Policy
Cilt: 10 Sayı: 1
Financial Literacy and Digitalization: A Study on Individual Customers of Participation Banks

Financial Literacy and Digitalization: A Study on Individual Customers of Participation Banks

Authors : Yunus Kutval

Pages : 608-620

View : 79 | Download : 77

Publication Date : 2025-06-30

Article Type : Research Paper

Abstract :The purpose of this research is to examine the financial literacy and digitalization attitudes of individual customers of participation banks (Islamic Banking) operating in Turkey. Within this scope, a survey was conducted with 404 participants. The data were analyzed using the Structural Equation Modeling (SEM) method with Smart PLS 4.1.1.2 software. The results revealed that the strongest relationship is the effect of Financial Knowledge (FK) variable on Financial Behavior (FB) and Financial Attitude (FA). Additionally, the effects of Digital Financial Attitude (DFA) variable on Digital Financial Behavior (DFB) and Financial Behavior (FB) are noteworthy. All variables showed significant effects, increasing the explanatory power of the study. The findings provide important data for participation banks to understand customer attitudes and offer innovative products. Given the limited number of studies in this field in Turkey, the research offers a valuable contribution to the literature.
Keywords : Katılım Bankacılığı, Finansal okuryazarlık, Dijitalleşme, Din Ekonomisi

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