The Impact of Artificial Intelligence Applications on Digital Banking in Turkish Banking Industry

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dc.authoridhttps://orcid.org/0000-0002-7285-1504
dc.authoridhttps://orcid.org/0000-0003-0660-6399
dc.contributor.authorDemirel, Serkan
dc.contributor.authorTopçu, Murat
dc.date.accessioned2025-06-12T21:20:44Z
dc.date.available2025-06-12T21:20:44Z
dc.date.issued2024
dc.departmentİktisadi İdari ve Sosyal Bilimler Fakültesi
dc.description.abstractTis paper presents the efects of chat box (C.B.) and video call (V.C.) artifcial intelligence applications, which are becoming increasingly common in the banking system in parallel with the development of information systems on the number of digital banking users, and the relationship between the variables is investigated. Te data set of the variables consists of a total of 44 observation points between the 1st quarter of 2012 and the 4th quarter of 2022. Te cointegration relationship between the variables is examined using the ARDL cointegration test. According to the F statistic results for cointegration hypothesis testing, there is a statistically signifcant relationship between the variables at a 1% signifcance level. In the long run, a 1% increase in Chat Box users causes an increase of approximately 0.2% in the number of mobile banking users. A 1% increase in Chat Box users in the short term increases the number of mobile banking users in the current period by approximately 0.03%. A 1% increase in video call users in the long term causes an increase of approximately 0.04% in the number of mobile banking users. A 1% increase in the number of video calls in the current period increases current period mobile banking applications by approximately 0.005%. It has been determined that the efect of chat box applications on mobile banking is higher than that of video call applications. In addition, there is a close correlation between mobile banking and the independent variable chat box, no correlation between mobile banking and video calling, and a moderate correlation between chat box and video calling. All fndings mean that artifcial intelligence applications positively contribute to the expansion of mobile banking.
dc.identifier.doihttps://doi.org/10.1155/2024/9921363
dc.identifier.issn1687-5893
dc.identifier.issn1687-5907
dc.identifier.urihttps://hdl.handle.net/11363/9913
dc.identifier.volume2024
dc.identifier.wos001307187000001
dc.identifier.wosqualityQ3
dc.indekslendigikaynakWeb of Science
dc.language.isoen
dc.publisherHINDAWI LTD, ADAM HOUSE, 3RD FLR, 1 FITZROY SQ, LONDON W1T 5HF, ENGLAND
dc.relation.ispartofADVANCES IN HUMAN-COMPUTER INTERACTION
dc.relation.publicationcategoryMakale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanı
dc.rightsinfo:eu-repo/semantics/openAccess
dc.subjectINTERNET BANKING
dc.subjectTIME-SERIES
dc.subjectHUMANITIES and RELIGION::History and philosophy subjects::History subjects::History of technology
dc.subjectACCEPTANCE
dc.subjectPRIVACY
dc.titleThe Impact of Artificial Intelligence Applications on Digital Banking in Turkish Banking Industry
dc.typeArticle

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