BANKA MÜŞTERİLERİNİN SERGİLEDİKLERİ DAVRANIŞSAL EĞİLİMLERİN BULANIK AHP YÖNTEMİ İLE ANALİZİ

Year 2023, , 759 - 773, 09.10.2023

Yusuf Güneysu , Salih Aydın

https://doi.org/10.29106/fesa.1317366

Abstract

Çalışmanın amacı, Türkiye’deki ticari banka ve katılım bankası müşterilerinin sergiledikleri davranışsal eğilimleri önem sırasına göre ağırlıklandırmak ve farklı banka müşterilerinin davranışsal eğilimlerinde önem sırasına göre farklılık olup olmadığını ortaya koymaktır. Bu kapsamda hazırlanan anket formu bireylere ulaştırılmış ve elde edilen veriler bulanık Analitik Hiyerarşi Prosesi (AHP) yöntemi ile değerlendirilmiştir. Çalışma sonucunda ticari banka müşterileri için en etkili üç ana kriterin aşırı güven eğilimi, temsiliyet eğilimi ve sürü eğiliminin olduğu sonucuna ulaşılmıştır. Katılım bankası müşterileri açısından en önemli eğilimlerin muhafazakârlık eğilimi, aşırı güven eğilimi ve temsiliyet eğilimi olduğu tespit edilmiştir. Bankacılık işlemlerinde hem ticari bankaları hem de katılım bankalarını tercih eden müşteriler için ise aşırı güven eğilimi, muhafazakârlık eğilimi ve temsiliyet eğilimi önem arz etmektedir. Elde edilen sonuçlara göre farklı bankacılık türlerinde işlem yapan bireylerin sergiledikleri eğilimler arasında önem bakımından farklılıklar olduğu söylenebilir.

Keywords

Davranışsal Finans, Yatırımcı Eğilimleri, Yatırım Davranışı

ANALYZING THE BEHAVIORAL BIASES OF BANK CUSTOMERS WITH THE FUZZY AHP METHOD

Abstract

The aim of the study was to weigh the behavioral biases of commercial bank and participation bank customers in Turkey in order of significance and to reveal whether there is a difference in behavioral biases of individuals. The questionnaire form prepared in this context was delivered to the individuals and the data obtained were evaluated using the fuzzy Analytical Hierarchy Process (AHP) method. As a result of the study, it was found that the three most effective main criteria for commercial bank customers are overconfidence, representation, and herding biases. The most important biases for the participation bank customers were determined as conservatism, overconfidence, and representation biases. Overconfidence, conservatism, and representation biases were determined as important for customers who prefer both commercial and participation banks in banking transactions. The results show that there are differences between the biases exhibited by individuals who transacted in different types of banking.

Keywords

Behavioral Finance, Bank Customer, Investor Bias, Investment Behavior, Fuzzy AHP

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