Several studies have suggested that qualified education of human resources, use of in-born and gained skills pave
the way to economic development. Innovation is known as an essential instrument in human resources management.
Well-trained, developed and managed human resources have become important today, and competitiveness will be
continued by innovation.
Technology production, high number of patents (see table 1) is only possible by means of well qualified,
educated human resources with high motivation and job satisfaction. It is observed that innovation has attracted a
special attention in Turkey recently. For instance, applications seen rarely in other countries have been put into
practice in banking and insurance sector, e-government applications of innovation. Credit card installments, applied
as 9 installments in trading and e-trade and mobile banking, are just some of those innovations.