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    Türk bankacılığında dijitalleşme ile gelen şubesiz bankacılık anlayışının etkileri
    (Hitit Üniversitesi, 2025) Yaktu, Fatih; Kendirli, Selçuk
    Thanks to the financial investments made in the information technology sector in Turkey, the provision of previously widely used banking services through electronic channels has accelerated. This rapid change process has radically altered the competitive environment in the banking sector. Banks that follow the innovations in the field of information technology and integrate them into their own systems have been able to gain an advantage over other banks. Banks that were able to apply the achievements in the field of information technology to their products and services were able to keep pace with the progress in traditional banking. They have also benefited greatly in terms of time and space. Thanks to technological equipment, they can perform many banking transactions wherever they are. Analyses show that the volume of transactions carried out through technical equipment exceeds the volume of transactions carried out in branches. This result has a direct positive impact on banks. As a result, banks are spending more digitally than they do in-branch. Keeping pace with technological developments is not enough. Therefore, more research and investment is required to sustain a competitive environment in the banking sector. The research examines the development of the banking sector together with the use of information technology in the banking sector. The study examines the positive effects of digital devices introduced by information technology on the profitability of banks, reducing costs and speeding up transactions. The study also presents statistics on the transactions of corporate and retail customers of the banks in our country that deal with this issue. Comparisons were made through tables related to this subject. In the analysis, it is stated that our country uses technological developments in the field of digital banking effectively and efficiently and has received awards abroad in this field. In conclusion, in order for the banking sector in Turkey to grow faster, it is expected to closely follow the developing technologies and conduct research and development in this field.