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The impact of digital transformation on financial performance in public banks, development banks, and private banks in Türkiye

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  • Seda DoÄŸan

    (Anadolu University, Turkiye)

Abstract

The aim of this study is to examine the impact of digital transformation on the financial performance of banks in Turkey. An exploratory design of the mixed research method was applied in the study. A digital transformation (DT) ratio was developed from banks through content analysis of the qualitative analysis methods. This ratio was then added as variables to causality test. The study's analysis covers the period from 2005 to 2023. The research include ROA, ROE, capital adequacy ratio (CAR), and the DT ratios developed for research is used as the variables. A negative correlation was found between DT and ROA, ROE, and CAR in public and development banks, whereas a positive correlation was observed between DT and ROA, ROE, and CAR in private banks. The relationship between DT and ROA, ROE, and CAR in public banks, and the relationship between DT and CAR in private banks, were found to be significant. The hypothesis that there is a causality from DT to CAR in public banks was rejected, while other hypotheses were accepted.

Suggested Citation

  • Seda DoÄŸan, 2024. "The impact of digital transformation on financial performance in public banks, development banks, and private banks in Türkiye," Eastern Journal of European Studies, Centre for European Studies, Alexandru Ioan Cuza University, vol. 15, pages 231-256, December.
    • Handle: RePEc:jes:journl:y:2024:v:15(2):p:231-256
    DOI: https://doi.org/10.47743/ejes-2024-0212
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