A Study on The Factors of Financial Freedom Influencing Digital Financial Usage: Empirical Evidence Through Data Mining Techniques

Türkçe

The study examined the financial freedom factors that are effective in the use of digital finance. In order to conduct this examination, first of all, all countries in the world in the research sample were clustered according to their levels of digital finance use, and then the financial freedom factors that are effective in the use of digital finance were determined.The reason for studying this topic is that it is thought that digitalization will positively affect the financial freedom, financial participation, financial development and economic growth of countries and that digitalization will be used as a tool in this regard. The importance of the impact of digital finance on financial participation and freedom emerges when financial services are offered equally to society without making any distinction between the poor and the rich.One of the ways to achieve sustainable economic growth is to provide and strengthen economic freedom through digital finance. However, there are some restrictions and obstacles encountered on this path. Despite these problems, as a result of the analysis, it has been determined that countries with high digital finance usage are both more economically free and more financially developed.