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Determinants of Digital Financial Usage in Türkiye: A Micro Analysis

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  • Melik ERTUGRUL

Abstract

In our study, we analyse the determinants of digital financial usage in Türkiye by employing the most recent micro (individual) level data, belonging to 2024, provided by the Global Findex Database of the World Bank. Our digital financial usage index is obtained by using the Principal Components Analysis with eight indicators covering digital account interaction, digital payment usage, and digital money transfer dimensions. Then, the demographic and socioeconomic determinants of our index are examined by using ordinary least squares regression and quantile regression methods. We show that gender and age have no significant impact on digital financial usage. Moreover, we reveal that digital financial usage increases with education level and income level (especially for middle, high-middle and high levels). Lastly, we conclude that urban residence, having a smartphone, and laborforce participation positively affects digital financial usage. Overall, our outcomes indicate that policies aiming to improve and increase digital financial usage should follow a thorough and multidimensional approach.

Suggested Citation

  • Melik ERTUGRUL, 2026. "Determinants of Digital Financial Usage in Türkiye: A Micro Analysis," Journal of BRSA Banking and Financial Markets, Banking Regulation and Supervision Agency, vol. 20(1), pages 1-22.
    • Handle: RePEc:bdd:journl:v:20:y:2026:i:1:p:1-22
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    Keywords

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    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D63 - Microeconomics - - Welfare Economics - - - Equity, Justice, Inequality, and Other Normative Criteria and Measurement
    • I24 - Health, Education, and Welfare - - Education - - - Education and Inequality
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes

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