A research on the effect of digital banking on the financial performance of banks in Turkey

The developments in financial technologies were also reflected in the banking sector. Banks use financial technologies to reach customers and to continue their current customers' transactions through channels other than branches. ATM, internet banking and mobile banking are the most frequently used technologies. Transactions carried out through these digital banking channels reduce the workload and operational risks of branches. In this study, the effect of the financial transaction volumes and the number of ATMs on the net profit of the banks between 2011-2021 are examined. In the model, the total period net profits of 28 banks were used as the dependent variable, and the digital banking financial transaction volumes of 28 banks and the number of ATMs were used as the independent variable. By creating a multiple regression model, the parameters of the variables were estimated by the least squares method.