2013-2023 Döneminde Türkiye Ekonomisinde Dijital Bankacılığın Ekonomik Büyümeye Etkisi
The Impact of Digital Banking on Economic Growth in the Turkish Economy During the 2013–2023 Period

Summary/Abstract: This study aims to examine the relationship between digital banking and economic growth in Türkiye using data covering the period from 2013:Q1 to 2023:Q4. In the analysis, Gross Domestic Product (GDP) data obtained from the Turkish Statistical Institute are used alongside digital banking indicators provided by the Banks Association of Türkiye and the Interbank Card Center. First, the stationarity of the variables included in the model is analyzed using the ADF and PP unit root tests. To identify the long-run relationship, the Johansen cointegration test is applied; subsequently, long-run coefficients are estimated using the FMOLS, DOLS, and CCR estimation methods. The findings reveal the existence of a long-term relationship between digital banking and economic growth. In particular, the total credit card variable exhibits a statistically significant and positive relationship across all estimators. Additionally, the digital banking financial transactions variable is found to have a positive effect on GDP. Some digital banking variables, however, display negative and statistically significant relationships.

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