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RESEARCH OF IMPACTING OF CREDIT CARD USAGE AT DISTRICT LEVEL IN TuRKİYE

Author

Listed:
  • Arif Saldanlı

    (ISTANBUL UNIVERSITY, FACULTY OF ECONOMICS, DEPARTMENT OF BUSINESS)

  • Sumeyra Uzun

    (ISTANBUL UNIVERSITY, FACULTY OF ECONOMICS, DEPARTMENT OF BUSINESS)

Abstract

This study examines district-level factors affecting Turkish credit card usage. Demographic, education, health, tourism, economy, urbanization, culture, and sports parameters are used to create two spatial econometric models. Geographical data visualizes dependent variables and assesses credit card usage's spatial dependency. In this context, the study was carried out using a spatial econometric model related to credit card usage. In this context, the study was carried out using a spatial econometric model related to credit card usage. The model estimator is the Spatial Durbin Model using Buse Adj. R2 and information criteria. The first model shows a negative relationship between physical credit card payments, students per teacher, and mosques per capita. Total physical credit card payments are negatively correlated with per capita electricity consumption, markets, students per teacher, and mosques per capita in the second model. This study highlights the spatial dependence and geographical variation of credit card usage factors.

Suggested Citation

  • Arif Saldanlı & Sumeyra Uzun, 2023. "RESEARCH OF IMPACTING OF CREDIT CARD USAGE AT DISTRICT LEVEL IN TuRKİYE," Ekonomi Maliye Isletme Dergisi, Adil AKINCI, vol. 6(2), pages 64-81, December.
    • Handle: RePEc:gnx:emid43:2023-6-2-1318508
    DOI: 10.46737/emid.1318508
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    JEL classification:

    • C31 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Cross-Sectional Models; Spatial Models; Treatment Effect Models; Quantile Regressions; Social Interaction Models
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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