Impact of digital financial literacy on individual's experience of digital payment adoption: The case of Turkiye

IF 5.7 2区经济学 Q1 BUSINESS, FINANCE

Borsa Istanbul Review Pub Date : 2026-08-01 Epub Date: 2026-03-06 DOI:10.1016/j.bir.2026.100809

Mohamed Cherif El Amri, Mustafa Omar Mohammed, Ayman Mohammad Bekiroğlu

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引用次数: 0

Abstract

Türkiye's digital finance landscape has experienced substantial growth in recent years, with a surge in digital banking, mobile apps, and non-cash transactions. Yet, the literature has largely remained silent on the factors contributing to digital financial literacy in Türkiye. The purpose of the present study is to investigate the relationship between digital finance literacy and individual experience of digital payment adoption. It has employed a quantitative approach using an online questionnaire survey through Whatsapp groups registered in Türkiye. The analysis of three hundred and twenty useable questionnaires collected through convenience sampling was done using SPSS, and AMOS version 25 - a Structural Equation Modelling (SEM) technique. The results suggested positive relationships between personal experience and access to financial services, beliefs about digital financial services, and safety measures of digital financial services. The study's findings provide interesting insights of the progress of digital finance literacy in Türkiye.

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数字金融素养对个人数字支付体验的影响：以土耳其为例

近年来，随着数字银行、移动应用程序和非现金交易的激增，t rkiye的数字金融领域经历了大幅增长。然而，文献在很大程度上对影响日本数字金融素养的因素保持沉默。本研究的目的是调查数字金融素养与数字支付采用的个人体验之间的关系。它采用了定量方法，通过在t rkiye上注册的Whatsapp群组进行在线问卷调查。通过方便抽样收集的320份可用问卷进行分析，使用SPSS和AMOS版本25 -结构方程建模（SEM）技术。结果表明，个人经历与获得金融服务、对数字金融服务的信念以及数字金融服务的安全措施之间存在正相关关系。该研究的发现为 rkiye数字金融素养的进步提供了有趣的见解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Borsa Istanbul Review Multiple-

CiteScore

7.60

自引率

3.80%

发文量

130

审稿时长

26 days

期刊介绍： Peer Review under the responsibility of Borsa İstanbul Anonim Sirketi. Borsa İstanbul Review provides a scholarly platform for empirical financial studies including but not limited to financial markets and institutions, financial economics, investor behavior, financial centers and market structures, corporate finance, recent economic and financial trends. Micro and macro data applications and comparative studies are welcome. Country coverage includes advanced, emerging and developing economies. In particular, we would like to publish empirical papers with significant policy implications and encourage submissions in the following areas: Research Topics: • Investments and Portfolio Management • Behavioral Finance • Financial Markets and Institutions • Market Microstructure • Islamic Finance • Financial Risk Management • Valuation • Capital Markets Governance • Financial Regulations