HOW BANKING CAREER PATHS SHAPE TURNOVER INTENTION BEYOND DEMOGRAPHICS: A COMPARATIVE ANALYSIS OF PUBLIC, PRIVATE, AND TRANSITION EMPLOYEES

This study examines how demographic characteristics influence turnover intention in the banking sector by incorporating career transitions between private and public banking into the analytical framework. The study aims to determine whether demographic variables and institutional career experience jointly shape turnover intention and whether career context moderates these relationships. Data were collected from 426 banking employees and analyzed using regression and moderation techniques. The findings indicate that gender and educational level are not significantly associated with turnover intention, whereas age, marital status, income level, and total banking experience show significant relationships. Turnover intention is highest among employees with exclusive private banking experience, lowest among those with exclusive public banking experience, and intermediate among transition employees (private-to-public movers). The results further demonstrate that banking career type moderates the relationships between significant demographic variables and turnover intention, highlighting the importance of institutional career context. The study extends turnover intention research by integrating demographic influences with institutional career trajectories and provides practical implications for differentiated retention strategies in banking institutions.