{“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”:”A\u00e7\u0131k Bankac\u0131l\u0131k”,”tag”:”h1″},{“component”:”hc_image_box”,”id”:”P92Nk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”image”:”https:\/\/www.cigdemguven.com\/medias\/2021\/07\/open-banking-1024×714.jpg|753|1080|497″,”link_type”:”lightbox”,”lightbox_animation”:””,”caption”:”A\u00e7\u0131k Bankac\u0131l\u0131k”,”inner_caption”:false,”new_window”:false,”link”:”https:\/\/www.cigdemguven.com\/medias\/2021\/07\/open-banking.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”:”Dijital d\u00f6n\u00fc\u015f\u00fcm g\u00fcnl\u00fck i\u015flerimizi nas\u0131l halletti\u011fimizden tutun da i\u015f hayat\u0131n\u0131n en \u00f6nemli noktalar\u0131na kadar etkisini g\u00f6stermi\u015f vaziyettedir. Gelenekselle\u015fmi\u015f y\u00f6ntemlerin dijital d\u00f6n\u00fc\u015f\u00fcm ile birlikte teknolojik ortamlara entegre edilmesi, bizi bir\u00e7ok sanc\u0131l\u0131 s\u00fcre\u00e7ten kurtarmaktad\u0131r.\\n\\nTeknoloji, yararland\u0131\u011f\u0131m\u0131z hizmetlerden en y\u00fcksek verimi almam\u0131z do\u011frultusunda bize ve kurumlara b\u00fcy\u00fck olanaklar sa\u011flamaktad\u0131r. Bankac\u0131l\u0131k d\u00fcnyas\u0131nda da dijitalle\u015fme hareketleriyle birlikte m\u00fc\u015fterilere sunulan hizmetleri en verimli \u015fekilde ger\u00e7ekle\u015ftirmek ve kurum ile m\u00fc\u015fteri aras\u0131nda kar\u015f\u0131l\u0131kl\u0131 fayday\u0131 sa\u011flamak konusunda b\u00fcy\u00fck ad\u0131mlar at\u0131lm\u0131\u015ft\u0131r. Hayat\u0131m\u0131za birka\u00e7 y\u0131l \u00f6nce giri\u015f yapan ve ad\u0131n\u0131 s\u0131k s\u0131k duymaya ba\u015flad\u0131\u011f\u0131m\u0131z FinTech (Financial Technology) kavram\u0131 tam olarak bundan bahsetmektedir. K\u0131saca bahsetmek gerekirse Fintech, teknolojiden yararlanarak finansal hizmetlerin geli\u015ftirildi\u011fi finans end\u00fcstrisidir.\\n\\nFintech alan\u0131nda ya\u015fanan geli\u015fmeler bir\u00e7ok s\u00fcrecin i\u015fleyi\u015fini derinden etkileyerek finans sekt\u00f6r\u00fcnde yeni kavram ve i\u015f modelleri ile tan\u0131\u015fmam\u0131za olanak sa\u011flam\u0131\u015ft\u0131r. A\u00e7\u0131k Bankac\u0131l\u0131k da bunlardan biridir. A\u00e7\u0131k Bankac\u0131l\u0131k, m\u00fc\u015fterilerin izni dahilinde m\u00fc\u015fteri verilerinin \u00fc\u00e7\u00fcnc\u00fc parti kurumlarla payla\u015f\u0131lmas\u0131d\u0131r.\\n\\nA\u00e7\u0131k bankac\u0131l\u0131k; harcamalar, kredi kullan\u0131m bilgileri, \u00f6denen faturalar gibi m\u00fc\u015fterilerin hesab\u0131nda ger\u00e7ekle\u015ftirilen her i\u015flem, m\u00fc\u015fterinin b\u00fct\u00e7esi, en \u00e7ok harcama yapt\u0131\u011f\u0131 \u00fcr\u00fcn, hizmet veya servisler \u00e7er\u00e7evesinde ortaya \u00e7\u0131kan verilerin kullan\u0131lmas\u0131 ile ki\u015fiselle\u015ftirilmi\u015f hizmet sunulmas\u0131d\u0131r. M\u00fc\u015fteri, banka ve \u00fc\u00e7\u00fcnc\u00fc parti kurumlara kar\u015f\u0131l\u0131kl\u0131 fayda sa\u011flanmas\u0131 hedeflenir. A\u00e7\u0131k bankac\u0131l\u0131k sayesinde m\u00fc\u015fteriler \u00e7e\u015fitli finansal hizmet ve \u00fcr\u00fcnler aras\u0131nda kar\u015f\u0131la\u015ft\u0131rma yaparak kendileri i\u00e7in en uygun se\u00e7ime rahatl\u0131kla eri\u015fme imkan\u0131 bulmaktad\u0131r. Ayr\u0131ca birden fazla bankada hesab\u0131 bulunan bireyler her banka i\u00e7in farkl\u0131 aray\u00fczler kullanmak yerine tek bir uygulama arac\u0131l\u0131\u011f\u0131yla t\u00fcm finansal bilgilerine ula\u015fabilir. M\u00fc\u015fteriye sa\u011flanan bu eri\u015fim kolayl\u0131\u011f\u0131 i\u015flemleri \u00e7ok daha h\u0131zl\u0131 ve kolay hale getirerek m\u00fc\u015fteri memnuniyetini en \u00fcst seviyede tutmaya olanak sa\u011flamaktad\u0131r.\\n\\nBankalar toplad\u0131klar\u0131 m\u00fc\u015fteri verilerini di\u011fer kurumlardan toplanan veriler ile k\u0131yaslad\u0131klar\u0131nda m\u00fc\u015fterinin se\u00e7imleri konusunda daha ger\u00e7ek\u00e7i bir tabloyla kar\u015f\u0131la\u015f\u0131r ve b\u00f6ylelikle m\u00fc\u015fteri beklentilerini daha iyi kar\u015f\u0131lama imkan\u0131 bulurlar. Ayn\u0131 zamanda \u00fc\u00e7\u00fcnc\u00fc parti kurumlar ve bankalar aras\u0131nda kurulan k\u00f6pr\u00fc, m\u00fc\u015fteriye \u00f6zel haz\u0131rlanm\u0131\u015f hizmet ve \u00fcr\u00fcnlerin geli\u015ftirilmesi ad\u0131na olduk\u00e7a \u00f6nemli bir ortam sa\u011flam\u0131\u015ft\u0131r.\\n\\nDijital d\u00f6n\u00fc\u015f\u00fcme ayak uydurarak gerekli altyap\u0131 ve aray\u00fcz\u00fc olu\u015fturmay\u0131 ba\u015faran bankalar, finans d\u00fcnyas\u0131nda ya\u015fanan bu b\u00fcy\u00fck ve yenilik\u00e7i de\u011fi\u015fimin \u00f6nemli bir aya\u011f\u0131 olmu\u015flard\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131yla gelen yenilikler sayesinde m\u00fc\u015fterileri para \u00e7ekme-para yat\u0131rma, kredi i\u015flemleri gibi konvansiyonel bankac\u0131l\u0131k i\u015flemlerinin yan\u0131 s\u0131ra bir\u00e7ok yeni i\u015flemle tan\u0131\u015fm\u0131\u015flard\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k \u00e7al\u0131\u015fmalar\u0131 ile birlikte m\u00fc\u015fterileri daha ki\u015fisel hizmet ve \u00fcr\u00fcnlerle bulu\u015fturmak m\u00fc\u015fteri memnuniyetini artt\u0131rarak banka-m\u00fc\u015fteri ili\u015fkisini g\u00fc\u00e7lendirmekte; ayn\u0131 zamanda a\u00e7\u0131k bankac\u0131l\u0131k ile m\u00fc\u015fteriye sunulan yenilik\u00e7i hizmetler ve deneyimler, ili\u015fkinin dinamik tutulmas\u0131n\u0131 sa\u011flamaktad\u0131r. Finansal hizmetler pazar\u0131n\u0131n bu sayede geli\u015fmesi ile birlikte m\u00fc\u015fteriye b\u00fcy\u00fck oranda eri\u015fim kolayl\u0131\u011f\u0131 sa\u011flanmaktad\u0131r.\\n\\nBankalar\u0131n bu uygulama i\u00e7in geli\u015ftirdi\u011fi API\u2019lar (Application Programming Interface) yani Uygulama Geli\u015ftirme Aray\u00fczleri farkl\u0131 platformlar\u0131n birbirleriyle ileti\u015fim kurmas\u0131n\u0131 sa\u011flayan kod ve protokollerdir. Bankalar ve \u00fc\u00e7\u00fcnc\u00fc parti kurumlar aras\u0131ndaki ili\u015fkinin temel ta\u015f\u0131 olan API\u2019lar farkl\u0131 yaz\u0131l\u0131mlar\u0131n birbiri ile etkile\u015fim sa\u011flayabildi\u011fi aray\u00fczlerdir ve a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131 b\u00fcy\u00fck \u00f6l\u00e7\u00fcde kolayla\u015ft\u0131rm\u0131\u015f ve geli\u015ftirmi\u015ftir. API\u2019lar ile birlikte bir aray\u00fcze toplanan veriler sebebiyle bankalar aras\u0131nda olu\u015fan rekabet ortam\u0131 daha iyi performans ve daha yenilik\u00e7i \u00e7\u00f6z\u00fcm \u00f6nerilerine zemin haz\u0131rlamaktad\u0131r.\\n\\nA\u00e7\u0131k bankac\u0131l\u0131k modeline ge\u00e7i\u015f yapan ilk devlet 2016 y\u0131l\u0131nda dokuz bankan\u0131n \u201cA\u00e7\u0131k Bankac\u0131l\u0131k Uygulama Kurumu (OBIE-Open Banking Implementation Entity)\u201d ad\u0131 alt\u0131nda bir araya gelmesiyle Birle\u015fik Krall\u0131k olmu\u015ftur. OBIE\u2019nin verilerine g\u00f6re 15 ayl\u0131k s\u00fcrecin ard\u0131ndan 118 kurulu\u015f A\u00e7\u0131k Bankac\u0131l\u0131k lisans\u0131 edinmi\u015ftir. Sisteme kat\u0131lmas\u0131 mecburi tutulan ve CMA9 olarak bilinen dokuz b\u00fcy\u00fck bankan\u0131n yan\u0131 s\u0131ra 40 banka da bu standartlara uyum sa\u011flayarak OBIE b\u00fcnyesine dahil olmu\u015ftur.\\n\\nOBIE\u2019nin 2020 y\u0131l\u0131 i\u00e7in yay\u0131nlad\u0131\u011f\u0131 faaliyet raporunda yer alan \u201cOBIE, a\u00e7\u0131k bankac\u0131l\u0131k \u00e7\u00f6z\u00fcmlerinin k\u00fc\u00e7\u00fck i\u015fletme toplulu\u011fu \u00fczerindeki etkisini \u00f6l\u00e7mek i\u00e7in KOB\u0130 Mali Peyzaj ara\u015ft\u0131rmas\u0131n\u0131 \u00fcstlendi. Aral\u0131k ay\u0131nda yay\u0131nlanan ara\u015ft\u0131rma, KOB\u0130’lerin artan bir oran\u0131n\u0131n (ankete kat\u0131lanlar\u0131n yakla\u015f\u0131k %50’si) pandemi s\u0131ras\u0131nda a\u00e7\u0131k bankac\u0131l\u0131k \u00e7\u00f6z\u00fcmlerini benimsedi\u011fini bildirdi\u011finin alt\u0131n\u0131 \u00e7izdi.\u201d ifadesi k\u00fc\u00e7\u00fck i\u015fletmelerin de a\u00e7\u0131k bankac\u0131l\u0131k modelinden olumlu sonu\u00e7lar ald\u0131\u011f\u0131n\u0131 g\u00f6stermektedir. Yine ayn\u0131 raporda 2021\u2019e girerken Birle\u015fik Krall\u0131k\u2019ta 3 milyondan fazla ki\u015finin ve i\u015fletmelerin a\u00e7\u0131k bankac\u0131l\u0131k kulland\u0131\u011f\u0131 belirtilerek a\u00e7\u0131k bankac\u0131l\u0131k uygulamas\u0131n\u0131n potansiyeli kan\u0131tlanm\u0131\u015ft\u0131r.\\n\\n2019 y\u0131l\u0131n\u0131n Aral\u0131k ay\u0131nda hayat\u0131m\u0131z\u0131 etkisi alt\u0131na alan COVID-19 salg\u0131n\u0131 d\u00fcnyan\u0131n neredeyse her \u00fclkesinin ekonomisine b\u00fcy\u00fck zarara u\u011fram\u0131\u015fken a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n getirdi\u011fi finansal kaynaklara ula\u015f\u0131m kolayl\u0131\u011f\u0131 ve toplanan veriler sayesinde ki\u015filerin finansman ihtiya\u00e7lar\u0131na uygun \u00e7\u00f6z\u00fcmler getirilmesi \u00f6ng\u00f6r\u00fclmektedir. Birle\u015fik Krall\u0131k\u2019ta bu uygulamalar \u0131\u015f\u0131\u011f\u0131nda COVID-19 krizinden etkilenmi\u015f 5 milyon serbest meslek sahibine yard\u0131m yap\u0131lmas\u0131 planlanmaktad\u0131r.\\n\\nA\u00e7\u0131k bankac\u0131l\u0131k sayesinde b\u00fct\u00fcn finansal verilerimiz ge\u00e7mi\u015fte finansal verilerin tutuldu\u011fu kara kapl\u0131 defterlerin sayfalar\u0131 aras\u0131ndan telefonumuzda kompakt bir uygulamaya, bir t\u0131k uza\u011f\u0131m\u0131za ta\u015f\u0131nm\u0131\u015ft\u0131r. Yapt\u0131\u011f\u0131m\u0131z b\u00fct\u00fcn harcamalar, ekstreler, fatura \u00f6demeleri, kredi \u00f6demeleri ve kayd\u0131 tutulmas\u0131 gereken bir\u00e7ok finansal bilgiye art\u0131k tek bir yerde ula\u015fmak ve i\u015flem yapmak m\u00fcmk\u00fcnd\u00fcr.\\n\\nT\u00fcrkiye\u2019de a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131, Temmuz 2019\u2019da yay\u0131nlanan On Birinci Kalk\u0131nma Plan\u0131\u2019nda \u201cA\u00e7\u0131k bankac\u0131l\u0131k hukuki altyap\u0131s\u0131n\u0131 g\u00fc\u00e7lendirmek amac\u0131yla AB \u00d6deme Hizmetleri Direktifi 2 ile mevzuat uyumu sa\u011flanacakt\u0131r\u201d karar\u0131 ile belirli d\u00fczenlemelere tabi tutulmu\u015ftur. A\u00e7\u0131k bankac\u0131l\u0131k kavram\u0131n\u0131 tan\u0131mlayan \u201cBankalar\u0131n Bilgi Sistemleri ve Elektronik Bankac\u0131l\u0131k Hizmetleri Hakk\u0131nda Y\u00f6netmelik\u201d ise 1 Temmuz 2020\u2019de y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015f ve a\u00e7\u0131k bankac\u0131l\u0131k ilk kez T\u00fcrk mevzuat\u0131nda yerini alm\u0131\u015ft\u0131r. A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131 tan\u0131mlayan bu y\u00f6netmelik, uygulaman\u0131n s\u0131n\u0131rlar\u0131n\u0131 net bir \u015fekilde \u00e7izmemi\u015f, bu konuda gelecek olan d\u00fczenlemeler i\u00e7in Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kuruluna yetki vermi\u015ftir.\\n\\n\u00dclkemizdeki bankalar halen uyumlanma s\u00fcrecinde olup a\u00e7\u0131k bankac\u0131l\u0131k uygulamas\u0131na ge\u00e7i\u015f s\u00fcreci reg\u00fclasyon a\u015famas\u0131nda devam etmektedir. 2016 y\u0131l\u0131nda API portal\u0131n\u0131 kullan\u0131ma a\u00e7an Akbank bir\u00e7ok i\u015f orta\u011f\u0131 ile bu yaz\u0131l\u0131m \u00fczerinden i\u015f birli\u011fi ger\u00e7ekle\u015ftirmi\u015f ve bu geli\u015fme a\u00e7\u0131k bankac\u0131l\u0131k \u00f6zelindeki uygulamalara ge\u00e7i\u015f s\u00fcrecimizde \u00f6nemli bir kilometre ta\u015f\u0131 olmu\u015ftur. T\u00fcrkiye\u2019nin an itibariyle ilk ve tek a\u00e7\u0131k bankac\u0131l\u0131k uygulamas\u0131 \u0130\u015f Bankas\u0131 taraf\u0131ndan sunulan TekCep uygulamas\u0131 m\u00fc\u015fterilere b\u00fct\u00fcn finansal verilerini \u0130\u015fCep \u00fczerinden g\u00f6r\u00fcnt\u00fcleme olana\u011f\u0131 sa\u011flam\u0131\u015ft\u0131r. \u0130\u015f Bankas\u0131n\u0131n 2020 y\u0131l\u0131nda yay\u0131nlad\u0131\u011f\u0131 entegre raporda yer alan verilere g\u00f6re TekCep 1500 m\u00fc\u015fteriye hizmet vermektedir.\\n\\n\u00dclkemizde halen a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131n teknik standart ve uygulama prosed\u00fcrlerinin s\u0131n\u0131rlar\u0131 net bir \u015fekilde belirlenmedi\u011finden somut \u00f6rnekler s\u0131n\u0131rl\u0131 say\u0131dad\u0131r. Ancak bahsi ge\u00e7en y\u00f6netmeli\u011fin mevzuata tan\u0131mlanmas\u0131yla birlikte bu konuda \u00f6n\u00fcm\u00fcz\u00fc g\u00f6rmeye ba\u015flad\u0131\u011f\u0131m\u0131z\u0131 s\u00f6ylemek m\u00fcmk\u00fcn. BDDK taraf\u0131ndan yap\u0131lacak d\u00fczenlemeler \u0131\u015f\u0131\u011f\u0131nda daha somut ve ivme kazand\u0131racak uygulamalar\u0131n \u00f6n\u00fcn\u00fcn a\u00e7\u0131laca\u011f\u0131n\u0131 s\u00f6yleyebiliriz.\\n\\nK\u0131saca \u00f6zetleyecek olursak, a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131yla finansal i\u015flemlerin takibi muazzam \u00f6l\u00e7\u00fcde kolayla\u015fm\u0131\u015ft\u0131r. Tek bir platform \u00fczerinden i\u015flemlerini ger\u00e7ekle\u015ftiren m\u00fc\u015fteriler ger\u00e7ekle\u015ftirdikleri i\u015flemler sonucunda bankalar ve \u00fc\u00e7\u00fcnc\u00fc parti kurumlarla verilerini payla\u015farak bir\u00e7ok hizmetten yararlanabilmektedir. Toplanan veriler \u0131\u015f\u0131\u011f\u0131nda m\u00fc\u015fteri profiline \u00f6zel sunulan finansal hizmetler bankalar ve m\u00fc\u015fteriler aras\u0131nda kar\u015f\u0131l\u0131kl\u0131 memnuniyet yaratmaktad\u0131r. Fintechler, bankalar ve \u00fc\u00e7\u00fcnc\u00fc parti kurumlar aras\u0131nda bir k\u00f6pr\u00fc g\u00f6revi g\u00f6r\u00fcrken finansal verileri ve di\u011fer m\u00fc\u015fteri verilerini harmanlayarak hizmetlerini ve \u00fcr\u00fcnlerini iyile\u015ftirme imkan\u0131 bulmaktad\u0131r. Ayn\u0131 zamanda b\u00fct\u00fcn banka verilerinin tek bir ortamda toplanmas\u0131 ile yarat\u0131lan rekabet ortam\u0131 daha iyi hizmetler geli\u015ftirilmesine olanak sa\u011flamaktad\u0131r. A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n b\u00fct\u00fcn taraflara fayda sa\u011flad\u0131\u011f\u0131 yads\u0131namaz bir ger\u00e7ektir. Ancak her finansal kurulu\u015fun temeli kar\u015f\u0131l\u0131kl\u0131 g\u00fcvene dayand\u0131\u011f\u0131ndan a\u00e7\u0131k bankac\u0131l\u0131k uygulamas\u0131 yapan kurumlar\u0131n da bu dinami\u011fi korumak i\u00e7in \u00e7e\u015fitli d\u00fczenlemeler ve reg\u00fclasyonlarda bulunarak s\u0131k\u0131 bir takip sa\u011flamas\u0131 gerekmektedir.\\n\\nA\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n getirdi\u011fi t\u00fcm faydalar ve yenilikler \u0131\u015f\u0131\u011f\u0131nda bu hizmet modelinin finans d\u00fcnyas\u0131nda \u00e7a\u011f atlatt\u0131\u011f\u0131n\u0131 s\u00f6yleyebiliriz. Zira geleneksel y\u00f6ntemlerden uzakla\u015f\u0131larak teknoloji tabanl\u0131 bir i\u015f modelinin kap\u0131lar\u0131n\u0131n aralanmas\u0131, bankac\u0131l\u0131\u011f\u0131n gelece\u011fi hakk\u0131nda anahtar ipu\u00e7lar\u0131 i\u00e7ermektedir.”}]},{“component”:”hc_column”,”id”:”column_iYtSI”,”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”:”QMR16″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space-sm”,”height”:””},{“component”:”hc_text_block”,”id”:”A7ef2″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”Payla\u015f”},{“component”:”hc_social_share_buttons”,”id”:”O6Ea4″,”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”:”yazilar”,”column”:”2″,”column_lg”:”2″,”column_md”:”2″,”column_sm”:”1″,”column_xs”:”1″,”margins”:””,”pag_type”:”load_more”,”pag_items”:”2″,”pag_size”:”pagination-lg”,”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\/2021\/07\/open-banking-1024×714.jpg|753|1080|497″,”excerpt”:”Dijital d\u00f6n\u00fc\u015f\u00fcm g\u00fcnl\u00fck i\u015flerimizi nas\u0131l halletti\u011fimizden tutun da i\u015f hayat\u0131n\u0131n en \u00f6nemli noktalar\u0131na kadar etkisini g\u00f6stermi\u015f vaziyettedir. Gelenekselle\u015fmi\u015f y\u00f6ntemlerin dijital d\u00f6n\u00fc\u015f\u00fcm ile birlikte teknolojik ortamlara entegre edilmesi, bizi bir\u00e7ok sanc\u0131l\u0131 s\u00fcre\u00e7ten kurtarmaktad\u0131r.”,”extra_1″:”Yaz\u0131”,”extra_2″:””,”icon”:{“icon”:””,”icon_style”:””,”icon_image”:””}}}}<\/p>\n","protected":false},"excerpt":{"rendered":"
Dijital d\u00f6n\u00fc\u015f\u00fcm g\u00fcnl\u00fck i\u015flerimizi nas\u0131l halletti\u011fimizden tutun da i\u015f hayat\u0131n\u0131n en \u00f6nemli noktalar\u0131na kadar etkisini g\u00f6stermi\u015f vaziyettedir. Gelenekselle\u015fmi\u015f y\u00f6ntemlerin dijital d\u00f6n\u00fc\u015f\u00fcm ile birlikte teknolojik ortamlara entegre edilmesi, bizi bir\u00e7ok sanc\u0131l\u0131 s\u00fcre\u00e7ten kurtarmaktad\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-1450","post","type-post","status-publish","format-standard","hentry","category-genel","category-yazilar"],"yoast_head":"\n