THE MEDİATİNG ROLE OF DİGİTAL LİTERACY İN THE EFFECT OF FİNANCİAL LİTERACY ON ATTİTUDES TOWARD INTERNET BANKİNG

Özlem Doğan; Mehmet Emin Yaşar; Mert Aktaş

Article Details

THE MEDİATİNG ROLE OF DİGİTAL LİTERACY İN THE EFFECT OF FİNANCİAL LİTERACY ON ATTİTUDES TOWARD INTERNET BANKİNG

Authors:

Özlem Doğan | Mehmet Emin Yaşar | Mert Aktaş

Publisher:

Duzce University

Main Topics:

Finans ve Yatırım (Diğer)

Journal:

Düzce Üniversitesi Sosyal Bilimler Dergisi Vol.15 Issue 1, pp.1-19

Document Type:

Article

Publication Date:

7/2025

Document Language:

Turkish

Document ID (Org No.):

2001355997

pISSN:

2146-5975

Keywords:

Abstract:

 Possessing a solid understanding of financial systems is essential for individuals, as it enhances their ability to make informed investment decisions and manage potential financial challenges more effectively. Higher levels of financial literacy are strongly associated with the capacity to make rational and well-grounded financial choices. This study aims to investigate whether digital literacy serves as a mediating factor in the relationship between financial literacy and individuals attitudes toward internet banking. The research sample consists of individuals aged 20 and above residing in the districts of Şehitkamil and Şahinbey in Gaziantep, Türkiye. The three core constructsfinancial literacy, digital literacy, and attitude toward internet bankingwere analyzed through Structural Equation Modeling. The analysis revealed that while digital literacy does not exert a direct influence on the relationship between financial literacy and attitudes toward internet banking, it does play a partial mediating role in this association. These findings are anticipated to offer valuable contributions to the existing literature, particularly in understanding the interplay between digital competencies and financial behaviors.

 Possessing a solid understanding of financial systems is essential for individuals, as it enhances their ability to make informed investment decisions and manage potential financial challenges more effectively. Higher levels of financial literacy are strongly associated with the capacity to make rational and well-grounded financial choices. This study aims to investigate whether digital literacy serves as a mediating factor in the relationship between financial literacy and individuals attitudes toward internet banking. The research sample consists of individuals aged 20 and above residing in the districts of Şehitkamil and Şahinbey in Gaziantep, Türkiye. The three core constructsfinancial literacy, digital literacy, and attitude toward internet bankingwere analyzed through Structural Equation Modeling. The analysis revealed that while digital literacy does not exert a direct influence on the relationship between financial literacy and attitudes toward internet banking, it does play a partial mediating role in this association. These findings are anticipated to offer valuable contributions to the existing literature, particularly in understanding the interplay between digital competencies and financial behaviors.

 Possessing a solid understanding of financial systems is essential for individuals, as it enhances their ability to make informed investment decisions and manage potential financial challenges more effectively. Higher levels of financial literacy are strongly associated with the capacity to make rational and well-grounded financial choices. This study aims to investigate whether digital literacy serves as a mediating factor in the relationship between financial literacy and individuals attitudes toward internet banking. The research sample consists of individuals aged 20 and above residing in the districts of Şehitkamil and Şahinbey in Gaziantep, Türkiye. The three core constructsfinancial literacy, digital literacy, and attitude toward internet bankingwere analyzed through Structural Equation Modeling. The analysis revealed that while digital literacy does not exert a direct influence on the relationship between financial literacy and attitudes toward internet banking, it does play a partial mediating role in this association. These findings are anticipated to offer valuable contributions to the existing literature, particularly in understanding the interplay between digital competencies and financial behaviors.

 Finansal yapılar hakkında bilgi sahibi olmak, bireylerin hem kişisel yatırım kararlarını geliştirmeleri hem de olası finansal sorunları daha etkin şekilde yönetebilmeleri açısından kritik bir öneme sahiptir. Finansal bilgi düzeyindeki artış, bireylerin daha sağlıklı ve bilinçli finansal kararlar almasına katkı sağlamaktadır. Bu çalışmanın temel amacı, finansal okuryazarlığın internet bankacılığı tutumu üzerindeki etkisinde dijital okuryazarlığın aracılık rolünün bulunup bulunmadığını incelemektir. Araştırma, Gaziantep ilinin Şehitkâmil ve Şahinbey ilçelerinde yaşayan 20 yaş ve üzeri bireyler üzerinde gerçekleştirilmiş; finansal okuryazarlık, dijital okuryazarlık ve internet bankacılığı tutumu olmak üzere üç temel değişken, yapısal eşitlik modellemesi ile analiz edilmiştir. Ortaya konulan bulgular, dijital okuryazarlığın finansal okuryazarlık ile internet bankacılığı tutumu arasındaki ilişkide doğrudan bir etkiye sahip olmadığını, ancak dijital okuryazarlığın, bu iki değişken arasındaki etkileşimde sınırlı düzeyde aracılık işlevi gördüğü belirlenmiştir. Çalışma bulgularının, literatürde dijitalleşme ve finansal davranışlar arasındaki ilişkilere yönelik katkı sunması beklenmektedir.

Article Details

THE MEDİATİNG ROLE OF DİGİTAL LİTERACY İN THE EFFECT OF FİNANCİAL LİTERACY ON ATTİTUDES TOWARD INTERNET BANKİNG

Authors:

Özlem Doğan | Mehmet Emin Yaşar | Mert Aktaş

Publisher:

Duzce University

Main Topics:

Finans ve Yatırım (Diğer)

Journal:

Düzce Üniversitesi Sosyal Bilimler Dergisi Vol.15 Issue 1, pp.1-19

Document Type:

Article

Publication Date:

7/2025

Document Language:

Turkish

Document ID (Org No.):

2001355997

pISSN:

2146-5975

Financial Literacy

, Internet Bankıng attitude

, Digital LiteracyFinansal Okuryazarlık

, İnternet Bankacılığı Tutumu,

Dijital Okuryazarlık

Issues

Article Details

THE MEDİATİNG ROLE OF DİGİTAL LİTERACY İN THE EFFECT OF FİNANCİAL LİTERACY ON ATTİTUDES TOWARD INTERNET BANKİNG

Authors: Özlem Doğan | Mehmet Emin Yaşar | Mert Aktaş

Publisher: Duzce University

Main Topics: Finans ve Yatırım (Diğer)

Journal: Düzce Üniversitesi Sosyal Bilimler Dergisi Vol.15 Issue 1, pp.1-19

Document Type: Article

Publication Date: 7/2025

Document Language: Turkish

Document ID (Org No.): 2001355997

pISSN: 2146-5975

Financial Literacy

, Internet Bankıng attitude

, Digital LiteracyFinansal Okuryazarlık

, İnternet Bankacılığı Tutumu,

Dijital Okuryazarlık

Issues

Authors:

Özlem Doğan | Mehmet Emin Yaşar | Mert Aktaş

Publisher:

Duzce University

Main Topics:

Finans ve Yatırım (Diğer)

Journal:

Düzce Üniversitesi Sosyal Bilimler Dergisi Vol.15 Issue 1, pp.1-19

Document Type:

Article

Publication Date:

7/2025

Document Language:

Turkish

Document ID (Org No.):

2001355997

pISSN:

2146-5975