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  • Yayın
    The Covid 19 effect on macroeconomic indicators
    (PressAcademia, 2020-12-31) Deniz, E. Asena; Teker, Dilek
    Purpose- From the moment covid 19 started to spread in the world, its effects began to be seen simultaneously in financial markets and economy.The purpose of this study is to observe Covid 19 effect on EURO/USD,gold ,oil and wheat prices. Methodology- The database includes the Daily prices of EUR/USD, wheat ,gold , brent oil prices and COVİD 19 numbers between the period of 31.12.2019-04.09.2020 which consist of 180 daily data. Natural logaritm for each indicator is used. First, the stationarity of the series were analyzed with ADF (Augmented Dickey Fuller) unit root test. Lag lengths are determined. Interactions between the series were analyzed by theARDL, Impulse- Response Function and Variance Decomposition method. Findings- The series are found out to not to be stationary as a result of Unit root test.After, the lag length criteria using VAR models were checked and this lag length criteria for them were determined as one . According to the ARDL test result, cointegration could not be found between our data. Impulse response graphs indicate that all variables respond in a reducing way to reducing shocks occurred in each indicator. Shocks have lost their effect on average in 2 days. Conclusion- The results indicate that the effect of COVID 19 on EUR/USD , gold , brent oil and wheat prices do not have a strong effect. The results may be beneficial for only literatüre.
  • Yayın
    Evolution of business models during the Covid-19 pandemic
    (PressAcademia, 2022-07-30) Teker, Suat; Örendil, Emre
    Purpose - The purpose of this study is to propose a comprehensive definition for business models, reviews and summarizes the findings of a previous work by Guckenbiehl and Corral de Zubielqui (2022) about how business models have evolved by providing insights from reshaped businesses during the COVID-19 pandemic. Methodology - In this study, an extensive literature review is followed to learn about definition of business models and how business model have been adapted or even innovated during the times of the COVID-19 pandemic. Findings - Construction of a well-planned business model is a requirement for an organization to reach success. In the times of disruptive events, business models go through adaptive or innovative changes which is a necessity for survival and further success. It is observed that organizations generate different responses to crises (e.g., the COVID-19 pandemic) in means of business model changes. The understanding of these differences is facilitated by the aforementioned work through grouping organizations in six different clusters. Conclusion - The structure of a business model prior to the COVID-19 pandemic was also one of the determinants of a business’s response to the pandemic. Businesses either made no changes in their business models, or made notable innovations, or little adaptations in response to the disruptive environment.
  • Yayın
    Digital banking during the COVID-19 era in Turkiye
    (Sivas Cumhuriyet Üniversitesi, 2023-31-12) Oğuz, Ahmet Bünyan; Soykut Sarıca, Yeşim Pınar
    The Covid-19 pandemic which began in early 2020 in Wuhan, China and spread around the world, created a serious impact on personal and business life for all. While individuals tried to protect themselves from the pandemic and continue their lives, businesses also tried to cope with the change in individual consumer behaviour. This study analyses the digital banking usage trends in Türkiye, focusing on the Covid-19 pandemic period, between January 2020 and June 2022, under the precautions imposed by the government such as lock-downs, curfews and public access limitations to businesses, using available quarterly transaction and usage data on virtual credit cards, mail order and phone payments, contactless cards, domestic credit cards, number of credit and bank cards, digital banking, internet banking and mobile banking. Research findings suggest that while internet and digital banking usage increased, significant changes have been observed in contactless card, virtual credit card transactions indicating a shift in user preference in banking during the pandemic period either voluntarily or with the effects of the restrictions and intention to realize their transactions distancing themselves from the crowds. Further research analysing whether this shift is permanent or not is recommended.