UZAR, Umut https://orcid.org/0000-0003-3438-1422
Article History
Received: 15 July 2024
Accepted: 18 November 2025
First Online: 5 January 2026
Declarations
:
: This study does not involve human participants or animals. Therefore, ethics approval and consent to participate were not required.
: The author has read and approved the final version of the manuscript and consent to its publication in Financial Innovation .
: The author declares that there are no competing interests.