Dijitalleşirken Tasarruf Edilebilir mi? Çalışan Sayısı mı, Çalışanların Niteliği mi?

Bu çalışma Türkiye’nin finans endüstrisindeki dönüşüme bankların dijitalleşirken tasarruf edebilme durumunu sorgulayarak odaklanmaktadır. Bankacılıkta dijitalleşme, geleneksel şube bankacılığından dijital banka uygulamalarına geçiş olarak değerlendirilebilir. Çalışmada geleneksel şube bankacılığı ve dijital bankacılığın birbirinin tamamlayıcısı olduğu kabul edilmektedir ve şube azaltmak yerine şube çalışan sayısını azaltarak tasarruf edebilme olasılığı sorgulanmaktadır. Verilerin kaynağı Bankacılık Düzenleme ve Denetleme Kurumu(BDDK)’dur. Zaman serisi olarak hazırlanan seriler, BDDK veri tabanlarından 2002 yılından 2021 Mayıs ayına kadar derlenen kredi tutarı, mevduat tutarı ve çalışan sayısı değişkenleridir. Zaman serisi çalışmalarının ön koşulu olarak kabul edilen durağanlık sınamaları tamamlanmıştır. Araştırma sorusuna ve veriye uygun ekonometrik model kurgusu için değişkenler üzerinde kısıtlamalarda esnek davranılarak, geleneksel vektör otoregresyon modeli (VAR modeli) oluşturulmuştur. VAR modelin ardından, etki – tepki analizi ile varyans ayrıştırması uygulaması gerçekleştirilmiştir. Çalışmanın literatüre en önemli katkısı, Türkiye örnekleminde, yüksek insan-insan etkileşimi seviyelerine sahip geleneksel bankaların, 2021 yılı itibariyle tüm bankacılık sektöründe çalışan azaltarak maliyet düşürmenin mümkün olduğu çıkarımını kısıtlamakta olduğudur.

Anahtar Kelimeler:

Bankacılık, Finansal Piyasalar ve Kurumlar, Finansal Risk Yönetimi

IS IT POSSIBLE TO MAKE SAVINGS IN THE DIGITALIZATION PROCESS? QUANTITY OR THE QUALITY OF THE EMPLOYEES?

This study focuses on the transformation in the finance industry of Turkey. Banks potential of make savings is questioned through digitalization. Digitalization in banking can be considered as a transition from traditional branch banking to digital banking applications. With the presumption that conventional banking and digital banking are complementary, potential savings effect of cutting the employees is questioned rather than closing the traditional branches. The source of the data is the Banking Regulation and Supervision Agency of Turkey(BRSA). In order to answer the research question, amount of loans and deposits with the number of employees are the variables gathered from the BRSA's data set for the period December 2002 to May 2021 and prepared as econometric timeseries. Unit root tests which are assumed as the prerequisites of econometric time series analyses are completed. Traditional vector autoregressive(VAR) model was conducted which is suitable to the data as well as the purpose of the study. Following the VAR model, impulse – response analysis and variance decomposition are carried out. One of the most important contribution of the study can be summarized as follows: "As of 2021, traditional banks having human-human interaction at high levels, limits the generalization of conclusion cost reduction by reducing employees "

Keywords:

Banking, Financial Markets and Institutions, Financial Risk Management,

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