{"id":168066,"date":"2023-01-27T15:42:46","date_gmt":"2023-01-27T12:42:46","guid":{"rendered":"https:\/\/www.enerjigazetesi.ist\/?p=168066"},"modified":"2023-01-27T15:53:16","modified_gmt":"2023-01-27T12:53:16","slug":"finans-sektorunun-dijitallesme-hizi-artiyor","status":"publish","type":"post","link":"https:\/\/www.enerjigazetesi.ist\/en\/finans-sektorunun-dijitallesme-hizi-artiyor\/","title":{"rendered":"(Turkish) Finans Sekt\u00f6r\u00fcn\u00fcn Dijitalle\u015fme H\u0131z\u0131 Art\u0131yor"},"content":{"rendered":"

Sorry, this entry is only available in Turkish<\/a>. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

<\/p>\n

2022 finans sekt\u00f6r\u00fcn\u00fcn dijitalle\u015fmesinde reg\u00fclasyonlarla \u00f6nemli ad\u0131mlar\u0131n at\u0131ld\u0131\u011f\u0131 bir y\u0131l oldu. \u00d6zellikle Dijital Bankalar ve Servis Bankac\u0131l\u0131\u011f\u0131 y\u00f6netmeli\u011fiyle fintekler oyuna daha fazla dahil olurken\u00a0<\/strong>T\u00fcrkiye Cumhuriyeti Merkez Bankas\u0131\u2019n\u0131n (TCMB) A\u00e7\u0131k Bankac\u0131l\u0131k hizmetlerini kullan\u0131ma a\u00e7mas\u0131yla da\u00a0platformlar\u0131n i\u00e7 i\u00e7e ge\u00e7ti\u011fi, finans sekt\u00f6r\u00fcndeki t\u00fcm oyuncular\u0131n kendi aralar\u0131nda etkile\u015fime girdi\u011fi dinamik bir d\u00f6neme giri\u015f yap\u0131ld\u0131.<\/strong>\u00a0Paynet Genel M\u00fcd\u00fcr\u00fc Onur Ert\u00fcrk, 2023\u2019\u00fcn de bu geli\u015fmelerin sonu\u00e7lar\u0131n\u0131 ve etkin uygulamalar\u0131n\u0131 g\u00f6rece\u011fimiz bir y\u0131l olaca\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Ert\u00fcrk, \u201cFinans sekt\u00f6r\u00fcn\u00fcn her zamankinden daha h\u0131zl\u0131 dijitalle\u015fece\u011fine tan\u0131kl\u0131k edece\u011fiz\u201d diyor.<\/em><\/strong><\/h2>\n

Finans sekt\u00f6r\u00fc son bir y\u0131lda dijitalle\u015fme h\u0131z\u0131n\u0131 art\u0131rd\u0131. Sekt\u00f6r\u00fcn dijitalle\u015fme performans\u0131nda yeni \u00fcr\u00fcn ve hizmetlerin yan\u0131nda \u00e7\u0131kar\u0131lan y\u00f6netmelikler de etkili oldu. Ge\u00e7ti\u011fimiz y\u0131l ger\u00e7ekle\u015fen \u00fc\u00e7 \u00f6nemli geli\u015fme \u00f6zellikle sekt\u00f6r\u00fcn dijitalle\u015fmesine damga vurdu. Bunlardan ilki 2022 y\u0131l\u0131nda BDDK\u2019n\u0131n\"\" yay\u0131nlad\u0131\u011f\u0131\u00a0\u201cDijital Bankalar ve Servis Bankac\u0131l\u0131\u011f\u0131\u201d y\u00f6netmeli\u011fi oldu. Y\u00f6netmelik sayesinde fintek giri\u015fimleriyle finansal kurulu\u015flar, farkl\u0131 lisanslar ve API\u2019lerle kendi ekosistemlerini olu\u015fturabilirken finteklerin de hizmet alan\u0131 geni\u015fledi. \u0130kinci geli\u015fme de\u00a0T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n 29.12.2022 tarihinde dijital T\u00fcrk Liras\u0131 a\u011f\u0131 \u00fczerindeki ilk \u00f6deme i\u015flemini ger\u00e7ekle\u015ftirdi\u011fini a\u00e7\u0131klamas\u0131yd\u0131. Dijital c\u00fczdanlar arac\u0131l\u0131\u011f\u0131yla kullan\u0131lacak dijital T\u00fcrk Liras\u0131 ile T\u00fcrkiye\u2019de yer alan kurum ve kurulu\u015flar aras\u0131nda yap\u0131lan i\u015flemlerin kolayla\u015f\u0131p h\u0131zlanmas\u0131 bekleniyor.\u00a0Y\u0131l\u0131n sonuna do\u011fru ya\u015fanan son geli\u015fmeyle\u00a0T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) bir ad\u0131m atarak A\u00e7\u0131k Bankac\u0131l\u0131k alan\u0131nda \u00f6nemli bir d\u00fczenleme getirdi. Bu ad\u0131mla, bankalar, Bankalararas\u0131 Kart Merkezi (BKM)<\/strong> taraf\u0131ndan geli\u015ftirilen ve taraflara standart A\u00e7\u0131k Bankac\u0131l\u0131k i\u015flemleri<\/strong> sunulmas\u0131n\u0131 sa\u011flayan ‘A\u00e7\u0131k Bankac\u0131l\u0131k Ge\u00e7idi’ (GE\u00c7\u0130T)<\/strong> altyap\u0131s\u0131 \u00fczerinden hizmet vermeye ba\u015flayacak. B\u00f6ylece banka<\/strong> ve fintekler<\/strong> aras\u0131ndaki i\u015f birli\u011fi ortam\u0131 geli\u015fecek, finansal kapsay\u0131c\u0131l\u0131k<\/strong> artacak.<\/p>\n

Finteklerin faaliyet alan\u0131 geni\u015fledi<\/strong><\/h3>\n

Bu \u00fc\u00e7 geli\u015fmenin sekt\u00f6re etkilerinin detaylar\u0131na gelince\u2026 Dijital Bankalar ve Servis Bankac\u0131l\u0131\u011f\u0131\u201d y\u00f6netmeli\u011fi sayesinde fintek giri\u015fimleriyle finansal kurulu\u015flar, farkl\u0131 lisanslar ve API\u2019lerle kendi ekosistemlerini olu\u015fturabilirken finteklerin de hizmet alan\u0131 geni\u015fledi. \u201cServis Bankac\u0131l\u0131\u011f\u0131\u201d ve \u201cA\u00e7\u0131k Bankac\u0131l\u0131k\u201d altyap\u0131lar\u0131, yeni fintek giri\u015fimleriyle finansal kurulu\u015flar aras\u0131ndaki ba\u011f\u0131 g\u00fc\u00e7lendirdi, bankalar\u0131n birer platform haline gelmesine ve yeni i\u015f birli\u011fi stratejileri geli\u015ftirmelerine f\u0131rsat sundu.<\/p>\n

Finansal hizmetler tabana yay\u0131l\u0131yor<\/strong><\/h3>\n

Reg\u00fclasyondaki geli\u015fmeler, finansal hizmetlerin tabana yay\u0131lmas\u0131na da katk\u0131da bulundu.\u00a0Tahminlere g\u00f6re, bug\u00fcn bankac\u0131l\u0131k \u015femsiyesi alt\u0131nda olmayan kesim T\u00fcrkiye n\u00fcfusunun yakla\u015f\u0131k y\u00fczde 31,4’\u00fcn\u00fc olu\u015fturuyor. Dijital banka ve servis modeli bankac\u0131l\u0131\u011f\u0131 ile bug\u00fcne kadar \u00e7e\u015fitli nedenlerle bankalar\u0131n ula\u015famad\u0131\u011f\u0131 bu y\u00fczde 31,4\u2019l\u00fck kesimi finansal sistem i\u00e7erisine alma \u015fans\u0131 olu\u015ftu.<\/p>\n

Maliyetler d\u00fc\u015ferken sat\u0131n alma g\u00fcc\u00fc artt\u0131<\/strong><\/h3>\n

Dijital tarafta sunulan hizmet \u00e7e\u015fitlili\u011fi artt\u0131k\u00e7a da ihtiya\u00e7lar daha iyi kar\u015f\u0131lanmaya ba\u015flad\u0131. B\u00fct\u00fcn bu geli\u015fmeler \u0131\u015f\u0131\u011f\u0131nda finans d\u00fcnyas\u0131nda rekabetin yan\u0131 s\u0131ra t\u00fcketiciye, yat\u0131r\u0131mc\u0131ya ve m\u00fc\u015fteriye sa\u011flanacak faydalar artt\u0131.<\/p>\n

Finansal teknolojiler sayesinde maliyetler d\u00fc\u015ferken daha fazla finansal hizmet hem hane halk\u0131n\u0131n sat\u0131n alma g\u00fcc\u00fcn\u00fc art\u0131rd\u0131 hem KOB\u0130\u2019lerin ticari performans\u0131n\u0131 desteklemeye ba\u015flad\u0131.<\/p>\n

Para hareketleri kay\u0131t alt\u0131na al\u0131nacak<\/strong><\/h3>\n

Finans sekt\u00f6r\u00fcn\u00fcn dijitalle\u015fmesi konusunda at\u0131lan bir di\u011fer \u00f6nemli ad\u0131m olan dijital T\u00fcrk Liras\u0131\u2019n\u0131n test edilme s\u00fcreci 2023 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde devam edecek. Dijital T\u00fcrk Liras\u0131 ile \u00f6demeler zaman ve mekan s\u0131n\u0131r\u0131 olmadan internet arac\u0131l\u0131\u011f\u0131yla\u00a07\/24 dijital ortamda ger\u00e7ekle\u015ftirilebilecek. Dijital T\u00fcrk Liras\u0131 sanal ortamda dijital olarak \u00fcretildi\u011finden \u00fcretim maliyeti \u00e7ok d\u00fc\u015f\u00fck olacak. Dijital para hareketleri d\u00fczenleyici ve denetleyici kurumlar\u0131n g\u00f6zetiminde ve denetime a\u00e7\u0131k oldu\u011fu i\u00e7in para hareketleri daha kolay kay\u0131t alt\u0131na al\u0131nacak.<\/p>\n

\u201c2023 etkin uygulamalar g\u00f6rece\u011fimiz bir y\u0131l olacak\u201d<\/strong><\/h3>\n

\u00d6n\u00fcm\u00fczdeki s\u00fcre\u00e7te finansal sistemin daha h\u0131zl\u0131 dijitalle\u015fip geli\u015fece\u011fini belirten Paynet Genel M\u00fcd\u00fcr\u00fc Onur Ert\u00fcrk<\/strong>, \u201cDolay\u0131s\u0131yla finansal sistemin tabana yay\u0131laca\u011f\u0131n\u0131, finansal kapsay\u0131c\u0131l\u0131\u011f\u0131n artaca\u011f\u0131n\u0131 ve kay\u0131t d\u0131\u015f\u0131 ekonominin azalaca\u011f\u0131n\u0131 g\u00f6rece\u011fiz\u201d diyor. \u00a0\u00d6zellikle servis modeli bankac\u0131l\u0131\u011f\u0131 ile sekt\u00f6rde yeni bir d\u00f6nemin ba\u015flad\u0131\u011f\u0131na dikkat \u00e7eken Ert\u00fcrk, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcr\u00fcyor: \u201cServis bankac\u0131l\u0131\u011f\u0131 modeliyle finteklerle finansal kurulu\u015flar farkl\u0131 lisanslar ve API’lar ile kendi ekosistemlerini olu\u015fturabiliyor.\u00a0Fintekler \u00f6l\u00e7ek ba\u011f\u0131ms\u0131z neredeyse her sekt\u00f6rde faaliyet g\u00f6steren i\u015fletmeler i\u00e7in aray\u00fczler geli\u015ftirerek finansal \u00fcr\u00fcnlere eri\u015fimin \u00f6n\u00fcndeki engellerin kald\u0131r\u0131lmas\u0131na \u00f6nemli katk\u0131lar sa\u011flarken i\u015fletmelerin katma de\u011ferli servislere eri\u015fimini m\u00fcmk\u00fcn k\u0131l\u0131yor. 2022\u2019de finteklerin fonksiyonlar\u0131n\u0131 destekleyen ve faaliyet alanlar\u0131n\u0131 geni\u015fletmeleri i\u00e7in cesaretlendiren ad\u0131mlar\u0131n at\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fck. 2023 de bu geli\u015fmelerin sonu\u00e7lar\u0131n\u0131 ve etkin uygulamalar\u0131n\u0131 g\u00f6rece\u011fimiz bir y\u0131l olacak. Finans sekt\u00f6r\u00fcn\u00fcn dijitalle\u015fme h\u0131z\u0131n\u0131n artaca\u011f\u0131na tan\u0131kl\u0131k edece\u011fiz\u201d<\/em> diyor.<\/p>","protected":false},"excerpt":{"rendered":"

Sorry, this entry is only available in Turkish. For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language. 2022 finans sekt\u00f6r\u00fcn\u00fcn dijitalle\u015fmesinde reg\u00fclasyonlarla \u00f6nemli ad\u0131mlar\u0131n at\u0131ld\u0131\u011f\u0131 bir y\u0131l oldu. \u00d6zellikle Dijital Bankalar ve Servis Bankac\u0131l\u0131\u011f\u0131 y\u00f6netmeli\u011fiyle fintekler oyuna daha fazla […]<\/p>\n","protected":false},"author":1,"featured_media":168070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[53,157],"tags":[107432,34504,102056,107431],"views":37,"_links":{"self":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/168066"}],"collection":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/comments?post=168066"}],"version-history":[{"count":0,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/posts\/168066\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media\/168070"}],"wp:attachment":[{"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/media?parent=168066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/categories?post=168066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.enerjigazetesi.ist\/en\/wp-json\/wp\/v2\/tags?post=168066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}