{"id":1307,"date":"2021-10-28T17:49:07","date_gmt":"2021-10-28T14:49:07","guid":{"rendered":"https:\/\/www.cigdemguven.com\/uncategorized-tr\/revolution-of-digital-banking\/"},"modified":"2022-08-11T15:22:40","modified_gmt":"2022-08-11T12:22:40","slug":"dijital-bankacilikta-devrim","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/genel\/dijital-bankacilikta-devrim\/","title":{"rendered":"Dijital Bankac\u0131l\u0131kta Devrim"},"content":{"rendered":"

{“main-title”:{“component”:”hc_title”,”id”:”main-title”,”title”:””,”subtitle”:””,”title_content”:{“component”:”hc_title_empty”,”id”:”title-empty”}},”section_QvNqz”:{“component”:”hc_section”,”id”:”section_QvNqz”,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”section-color no-padding-bottom no-padding-top “,”custom_css_classes”:”containerblog”,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”P1FCZ”,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:”boxed-area align-items-center “,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_title_tag”,”id”:”5ZtkF”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”text”:”Dijital Bankac\u0131l\u0131kta Devrim”,”tag”:”h1″},{“component”:”hc_image_box”,”id”:”P92Nk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”image”:”https:\/\/www.cigdemguven.com\/medias\/2019\/09\/cigdem-guven-dijital-bankacilik-1024×714.jpg|753|1080|248″,”link_type”:”lightbox”,”lightbox_animation”:””,”caption”:”Dijital Bankac\u0131l\u0131kta Devrim”,”inner_caption”:false,”new_window”:false,”link”:”https:\/\/www.cigdemguven.com\/medias\/2019\/09\/cigdem-guven-dijital-bankacilik.jpg”,”link_content”:[],”lightbox_size”:””,”scrollbox”:false,”icon”:””,”image_animation”:””,”icon_animation”:””,”thumb_size”:”full”,”icon_hidden”:true,”caption_img_box”:””,”alt”:””}]}],”section_settings”:””},”section_aSGAU”:{“component”:”hc_section”,”id”:”section_aSGAU”,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”no-padding-bottom no-padding-top “,”custom_css_classes”:”blogtext”,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”column_0qrhK”,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_wp_editor”,”id”:”gE6EW”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”editor_content”:”Avrupa Merkez Bankas\u0131’n\u0131n dijital para birimini piyasaya s\u00fcrmeyi d\u00fc\u015f\u00fcnmesi ve FinTech \u015firketlerinin y\u00fckseli\u015fi ile teknolojinin finans d\u00fcnyas\u0131n\u0131n vazge\u00e7ilmezi oldu\u011funu hissediyoruz ve bankalar\u0131n son d\u00f6nemde sadece \u015fube olmaktan \u00e7\u0131k\u0131p cebimize evrildi\u011fini g\u00f6rd\u00fck\u00e7e teknolojinin finans d\u00fcnyas\u0131ndaki yeni anlam\u0131 bir his olmaktan \u00e7\u0131k\u0131p somut bir ger\u00e7e\u011fe d\u00f6n\u00fc\u015f\u00fcyor.\\n\\n\u00d6n\u00fcm\u00fczdeki y\u0131llarda dijitalle\u015fme ve beraberinde getirdi\u011fi yeni i\u015f modelleri ile finans d\u00fcnyas\u0131 daha da de\u011fi\u015fmeye ve geli\u015fmeyi s\u00fcrd\u00fcr\u00fcyor . S\u00f6z konusu bu dijitalle\u015fmeye ayak uyduranlar elbette sadece FinTech’ler de\u011fil, yerle\u015fik bankalar da yeni \u00e7a\u011fa ayak uyduruyor ve finans d\u00fcnyas\u0131ndaki konumlar\u0131n\u0131 dijital bankac\u0131l\u0131k sistemiyle koruyorlar.\\n\\nH\u0131zl\u0131, kolay ve sorunsuz. Bunlar dijital bankac\u0131l\u0131\u011f\u0131 tan\u0131mlayan kelimeler. Daha spesifik olmak gerekirse dijital bankac\u0131l\u0131\u011f\u0131 yaln\u0131zca fiziksel olarak bir banka \u015fubesinin i\u00e7indeyken m\u00fc\u015fterilere sunulan t\u00fcm geleneksel bankac\u0131l\u0131k faaliyetlerinin ve programlar\u0131n\u0131n dijitalle\u015ftirilmesi olarak tan\u0131mlayabiliriz. Bu hizmetler art\u0131k bir m\u00fc\u015fteriye bilgisayar\u0131nda, ak\u0131ll\u0131 telefonunda veya tabletinde sunuluyor ve bunun bankac\u0131l\u0131k tesisini her zaman yanlar\u0131nda ta\u015f\u0131maktan bir fark\u0131 yok. Peki bu dijitalle\u015fme ad\u0131na finans sekt\u00f6r\u00fcn\u00fcn ilk ad\u0131m\u0131 m\u0131? Tabii ki de\u011fil. Bankac\u0131l\u0131k sekt\u00f6r\u00fc, 1990’l\u0131 y\u0131llarda internetin eri\u015filebilir hale gelmesiyle elektronik bankac\u0131l\u0131k i\u00e7in ilk ad\u0131mlar\u0131 atmaya ba\u015fl\u0131yor , ancak as\u0131l d\u00f6n\u00fc\u015f\u00fcm 2000’li y\u0131llarda ak\u0131ll\u0131 telefonlar\u0131n hayat\u0131m\u0131za girmesiyle ger\u00e7ekle\u015fiyor.Banka m\u00fc\u015fterilerinin y\u00fczde altm\u0131\u015ftan fazlas\u0131n\u0131n dijital bankac\u0131l\u0131k i\u00e7in bir ara\u00e7 olarak cep telefonlar\u0131n\u0131 tercih etmesi, ak\u0131ll\u0131 telefonun hayat\u0131m\u0131z\u0131n bir par\u00e7as\u0131 olarak bankac\u0131l\u0131k geli\u015fimi a\u00e7\u0131s\u0131ndan en \u00f6nemli fakt\u00f6rlerden biri oldu\u011funun kan\u0131t\u0131 haline geliyor. \u0130nsanlar\u0131n veri gizlili\u011fi gibi g\u00fcvenlik nedenleriyle dijitalle\u015fmeye \u015f\u00fcpheyle yakla\u015fma e\u011filiminde oldu\u011fu Almanya’da bile b\u00fcy\u00fck bir de\u011fi\u015fim ya\u015fand\u0131\u011f\u0131n\u0131 g\u00f6zlemleyebiliriz. Dijital dernek Bitkom taraf\u0131ndan y\u00fcr\u00fct\u00fclen ve \u00e7al\u0131\u015fma raporunda \u00f6zetlenen \u201cDijital Finans\u201d ara\u015ft\u0131rmas\u0131: Gen\u00e7lerin y\u00fczde 53’\u00fc (16 ila 29 ya\u015f aras\u0131) banka \u015fubelerini ziyaret etmekten tamamen vazge\u00e7erken, toplam n\u00fcfusun sadece y\u00fczde 7’si \u015fube ziyaretlerine g\u00fcveniyor. Ve 2014’te her iki ki\u015fiden biri internet bankac\u0131l\u0131\u011f\u0131 kullan\u0131rken, bug\u00fcn Almanlar\u0131n be\u015fte d\u00f6rd\u00fc bunu yap\u0131yor.\\n\\nDijital bankac\u0131l\u0131\u011f\u0131n yayg\u0131nla\u015fmas\u0131n\u0131n tek nedenini insanlar\u0131n teknolojik geli\u015fmelerin getirdi\u011fi kolayl\u0131klarla art\u0131k banka kuyruklar\u0131nda beklemek istememelerine ba\u011flamaktansa, Covid sonras\u0131 girdi\u011fimiz bu yeni d\u00f6nem ve bu d\u00f6nemin dijitalle\u015fmeyi h\u0131zland\u0131r\u0131p, hayat\u0131m\u0131za teknolojiyi daha fazla dahil etmesine ba\u011flayabiliriz. Bu d\u00f6nem bizi i\u015flerimizi evden, bilgisayardan veya telefondan yapmaya itti ve dijital platformlara olan talebin bu ani art\u0131\u015f\u0131 da dijitalle\u015fmeyi h\u0131zland\u0131rd\u0131. Sekt\u00f6rlerin bu k\u0131sa s\u00fcrede, normalde 5 ila 10 y\u0131l s\u00fcrecek bir dijitalle\u015fme geli\u015fimi g\u00f6stermesini sa\u011flarken, bankac\u0131l\u0131k sekt\u00f6r\u00fcnde de yeni dijital \u00e7a\u011fda hayatta kalabilmek ad\u0131na b\u00fcy\u00fck yat\u0131r\u0131mlar yap\u0131ld\u0131.\\n\\nH\u0131zlanan bu dijital d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecinde ayakta kalabilmek i\u00e7in bankalar\u0131n iyi organize olmalar\u0131 ve yeni i\u015f modellerini stratejilerine entegre etmeye haz\u0131r olmalar\u0131 gerekiyor. Bu entegrasyon s\u00fcrecinin bankalar a\u00e7\u0131s\u0131ndan nas\u0131l ilerledi\u011fine Deloitte\u2019in y\u00fcr\u00fctt\u00fc\u011f\u00fc bir ara\u015ft\u0131rmadan ula\u015f\u0131yoruz:\\nBu ara\u015ft\u0131rmaya g\u00f6re bankalar\u0131n %60’\u0131 \u015fubelerinin a\u00e7\u0131l\u0131\u015f s\u00fcrelerini k\u0131saltt\u0131 veya tamamen kapal\u0131 tuttu ancak bu s\u00fcre\u00e7te bir\u00e7o\u011fu yeni dijital \u00f6zelliklerle m\u00fc\u015fterilerine ula\u015farak hizmet vermeye devam etti. Bankalar\u0131n %34’\u00fc hesap a\u00e7\u0131l\u0131\u015flar\u0131n\u0131, %23’\u00fc uzaktan tan\u0131mlama ve do\u011frulamay\u0131 ve %18’i temass\u0131z \u00f6demelerini tamamen dijitalle\u015ftirdi.\\n\\nBCG taraf\u0131ndan yap\u0131lan bir ara\u015ft\u0131rmaya g\u00f6re \u015firketlerin y\u00fczde yetmi\u015fi dijital d\u00f6n\u00fc\u015f\u00fcmlerinde ba\u015far\u0131s\u0131z oluyor. Peki sadece y\u00fczde otuzluk bir ba\u015far\u0131 elde edilmesinin sebebi neye dayan\u0131yor? Net bir hedefiniz varsa, dijital d\u00f6n\u00fc\u015f\u00fcm sizi ba\u015far\u0131ya y\u00f6nlendirebilir. Ancak dijital d\u00f6n\u00fc\u015f\u00fcme tamam\u0131yla yeni bir i\u015f alan\u0131 olarak bak\u0131ld\u0131\u011f\u0131nda ve m\u00fc\u015fteri odakl\u0131 bir strateji izlendi\u011finde bu d\u00f6n\u00fc\u015f\u00fcm ba\u015far\u0131yla tamamlanabiliyor. Bu d\u00f6n\u00fc\u015f\u00fcmde ba\u015far\u0131l\u0131 olmak isteyen kurumlar, dijital bankac\u0131l\u0131\u011f\u0131 mevcut i\u015f modellerine bir ek veya y\u00fckseltme olarak de\u011fil, tamamen yeni bir i\u015f alan\u0131 olarak g\u00f6rmeli, at\u0131lacak ad\u0131mlar\u0131 dikkatlice ve detayl\u0131ca planlayarak, m\u00fc\u015fteri memnuniyetini en \u00fcst d\u00fczeye \u00e7\u0131karmak ve sorunlar\u0131 m\u00fcmk\u00fcn olan en k\u0131sa s\u00fcrede \u00e7\u00f6zmek i\u00e7in uygun BT alt yap\u0131s\u0131na sahip olmal\u0131 ve block zincir, bulut bankac\u0131l\u0131k gibi kavramlar\u0131 yeni is modeline entegre edebilmeli.\\n\\nS\u00f6z konusu dijital d\u00f6n\u00fc\u015f\u00fcmde ba\u015far\u0131n\u0131n anahtar\u0131 olarak g\u00f6r\u00fclen bu kavramlardan biri olan bulut bankac\u0131l\u0131\u011f\u0131; bulut bili\u015fim teknolojisinin bankac\u0131l\u0131k sekt\u00f6r\u00fcnde kullan\u0131lmas\u0131yla ortaya \u00e7\u0131km\u0131\u015f bir kavram olarak kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor. Bulut bili\u015fim, veri depolama, sunucular, veritabanlar\u0131, a\u011flar ve yaz\u0131l\u0131m dahil olmak \u00fczere \u0130nternet \u00fczerinden \u00e7e\u015fitli hizmetlerin tedarikini ifade ediyor. Bulut bili\u015fim, bilgi depolama ve yedekleme i\u00e7in yaln\u0131zca h\u0131zl\u0131 ve g\u00fcvenilir bir se\u00e7enek olmakla kalm\u0131yor , ayr\u0131ca herhangi bir ek fiziksel ekipman gerektirmedi\u011fi i\u00e7in kullan\u0131c\u0131lar\u0131na finansal faydalar da sunuyor. Bu teknolojiyi ilk benimseyenler finTech \u015firketleri olsa da, Deutsche Bank gibi ticari bir bankan\u0131n Google Cloud ile 10 y\u0131ll\u0131k bir s\u00f6zle\u015fme imzalamas\u0131, sekt\u00f6r\u00fcn bu dijital evrime ayak uydurmaya ba\u015flad\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Blockchain teknolojisine de\u011finmek gerekirse bu teknolojiyi s\u00fcrekli b\u00fcy\u00fcmekte olan bir kay\u0131t listesi olarak tan\u0131ml\u0131yoruz. Bir i\u015flem ger\u00e7ekle\u015ftirildi\u011finde bu i\u015flem kay\u0131t listesine ekleniyor ve a\u011fdaki her kullan\u0131c\u0131n\u0131n kay\u0131t listesinin bir kopyas\u0131na sahip olmas\u0131 sayesinde bu i\u015flemler transparan ve de\u011fi\u015ftirilemez bir hale geliyor ve kullan\u0131c\u0131lar\u0131na \u00e7ok daha h\u0131zl\u0131 ve g\u00fcvenli bir ortam sa\u011fl\u0131yor.\\n\\nSonu\u00e7 olarak t\u00fcketicilerin de\u011fi\u015fen talepleri ve teknolojik geli\u015fmelerin sa\u011flad\u0131\u011f\u0131 faydalar bizi yeni bir noktaya getirdi. Bu gelinen noktada hayatta ve g\u00fcncel kalabilmek i\u00e7in ise geleneksel y\u00f6ntemleri dijitale d\u00f6n\u00fc\u015ft\u00fcrmenin gerekli ve ka\u00e7\u0131n\u0131lmaz hale geldi\u011fini kabullenip, buna g\u00f6re bir yol haritas\u0131 \u00e7izmemiz gerekiyor.”}]},{“component”:”hc_column”,”id”:”column_X4e41″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:”socialbox”,”custom_css_styles”:””,”main_content”:[{“component”:”hc_space”,”id”:”ethyU”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space-sm”,”height”:””},{“component”:”hc_text_block”,”id”:”BaRAS”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”Payla\u015f”},{“component”:”hc_social_share_buttons”,”id”:”ziRJr”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”style”:”icon-links-button”,”size”:””,”alignment”:””,”type”:””,”social_colors”:true,”fb”:true,”fb_link”:””,”tw”:true,”tw_link”:””,”pi”:true,”pi_link”:””,”li”:true,”li_link”:””}]}],”section_settings”:””},”section_dDpN7″:{“component”:”hc_section”,”id”:”section_dDpN7″,”section_width”:””,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”vertical_row”:””,”css_classes”:”section-color “,”custom_css_classes”:””,”custom_css_styles”:””,”section_content”:[{“component”:”hc_column”,”id”:”XLZ44″,”column_width”:”col-md-12″,”animation”:””,”animation_time”:””,”timeline_animation”:””,”timeline_delay”:””,”timeline_order”:””,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”main_content”:[{“component”:”hc_title_tag”,”id”:”4AoyD”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”text”:”Son Yaz\u0131lar”,”tag”:”h2″},{“component”:”hc_space”,”id”:”TsAHd”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space”,”height”:””},{“component”:”hc_pt_grid_list”,”id”:”J9IEW”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”post_type_slug”:”post”,”post_type_category”:””,”column”:”2″,”column_lg”:”2″,”column_md”:”2″,”column_sm”:”1″,”column_xs”:”1″,”margins”:””,”pag_type”:”load_more”,”pag_items”:”2″,”pag_size”:””,”pag_animation”:”fade-top”,”pag_scroll_top”:false,”pag_position”:”align-center”,”pag_button_prev”:””,”pag_button_next”:””,”lm_lazy”:false,”lm_button_text”:”Daha Fazla”,”box”:”blog_top”,”boxed”:true,”extra”:false,”content”:””,”title_length”:”36″,”excerpt_length”:”75″,”title_size”:”text-md”,”custom_css”:””,”button_text”:””,”button_style”:”square”,”button_dimensions”:”btn-lg”,”button_animation”:false,”button_icon”:””}]}],”section_settings”:””},”scripts”:{“lightbox”:”magnific-popup.min.js”,”pagination”:”pagination.min.js”},”css”:{“lightbox”:”css\/magnific-popup.css”,”content_box”:”css\/content-box.css”,”media_box”:”css\/media-box.css”},”css_page”:””,”template_setting”:{},”template_setting_top”:{},”page_setting”:{“settings”:[“lock-mode-off”]},”post_type_setting”:{“settings”:{“image”:”https:\/\/www.cigdemguven.com\/medias\/2019\/09\/cigdem-guven-dijital-bankacilik-1024×714.jpg|753|1080|248″,”excerpt”:”Avrupa Merkez Bankas\u0131’n\u0131n dijital para birimini piyasaya s\u00fcrmeyi d\u00fc\u015f\u00fcnmesi ve FinTech \u015firketlerinin y\u00fckseli\u015fi ile teknolojinin finans d\u00fcnyas\u0131n\u0131n vazge\u00e7ilmezi oldu\u011funu hissediyoruz ve bankalar\u0131n son d\u00f6nemde sadece \u015fube olmaktan \u00e7\u0131k\u0131p cebimize evrildi\u011fini g\u00f6rd\u00fck\u00e7e teknolojinin finans d\u00fcnyas\u0131ndaki yeni anlam\u0131 bir his olmaktan \u00e7\u0131k\u0131p somut bir ger\u00e7e\u011fe d\u00f6n\u00fc\u015f\u00fcyor.”,”extra_1″:”Yaz\u0131”,”extra_2″:””,”icon”:{“icon”:””,”icon_style”:””,”icon_image”:””}}}}<\/p>\n","protected":false},"excerpt":{"rendered":"

Avrupa Merkez Bankas\u0131’n\u0131n dijital para birimini piyasaya s\u00fcrmeyi d\u00fc\u015f\u00fcnmesi ve FinTech \u015firketlerinin y\u00fckseli\u015fi ile teknolojinin finans d\u00fcnyas\u0131n\u0131n vazge\u00e7ilmezi oldu\u011funu hissediyoruz ve bankalar\u0131n son d\u00f6nemde sadece \u015fube olmaktan \u00e7\u0131k\u0131p cebimize evrildi\u011fini g\u00f6rd\u00fck\u00e7e teknolojinin finans d\u00fcnyas\u0131ndaki yeni anlam\u0131 bir his olmaktan \u00e7\u0131k\u0131p somut bir ger\u00e7e\u011fe d\u00f6n\u00fc\u015f\u00fcyor.<\/p>\n","protected":false},"author":1,"featured_media":1178,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-1307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-yazilar"],"yoast_head":"\nDijital Bankac\u0131l\u0131kta Devrim | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cigdemguven.com\/tr\/genel\/dijital-bankacilikta-devrim\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dijital Bankac\u0131l\u0131kta Devrim | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services\" \/>\n<meta property=\"og:description\" content=\"Avrupa Merkez Bankas\u0131'n\u0131n dijital para birimini piyasaya s\u00fcrmeyi d\u00fc\u015f\u00fcnmesi ve FinTech \u015firketlerinin y\u00fckseli\u015fi ile teknolojinin finans d\u00fcnyas\u0131n\u0131n vazge\u00e7ilmezi oldu\u011funu hissediyoruz ve bankalar\u0131n son d\u00f6nemde sadece \u015fube olmaktan \u00e7\u0131k\u0131p cebimize evrildi\u011fini g\u00f6rd\u00fck\u00e7e teknolojinin finans 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