{"id":1498,"date":"2021-02-15T08:16:51","date_gmt":"2021-02-15T05:16:51","guid":{"rendered":"https:\/\/www.cigdemguven.com\/genel\/change-of-banking-service-channels-in-recent-years\/"},"modified":"2022-08-11T15:28:13","modified_gmt":"2022-08-11T12:28:13","slug":"bankacilik-servis-kanallarinin-son-yillardaki-degisimi","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/genel\/bankacilik-servis-kanallarinin-son-yillardaki-degisimi\/","title":{"rendered":"Bankac\u0131l\u0131k Servis Kanallar\u0131n\u0131n Son Y\u0131llardaki De\u011fi\u015fimi"},"content":{"rendered":"

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\u201cVakit varken tomurcuklar\u0131 topla.
\\nZaman h\u00e2l\u00e2 u\u00e7up gidiyor
\\nve bug\u00fcn g\u00fcl\u00fcmseyen bu \u00e7i\u00e7ek,
\\nyar\u0131n \u00f6l\u00fcyor olabilir.\u201d”,”style”:”quote-double”,”author”:”Robert Herrick”},{“component”:”hc_wp_editor”,”id”:”gE6EW”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”editor_content”:”Robert Herrick taraf\u0131ndan yaz\u0131lan bu \u015fiir, \u00d6l\u00fc Ozanlar Derne\u011fi isimli filmde hayat bulup haf\u0131zalar\u0131m\u0131za kaz\u0131nm\u0131\u015ft\u0131r. Asl\u0131nda buradan \u201ccarpe diem\u201d mottosuna ba\u011flan\u0131lsa da, an\u0131 ya\u015faman\u0131n zamana ayak uydurma boyutu da vard\u0131r. Dolay\u0131s\u0131yla zaman sadece say\u0131sal a\u00e7\u0131dan de\u011fi\u015fmekle kalm\u0131yor, ayn\u0131 zamanda al\u0131\u015f\u0131k oldu\u011fumuz d\u00fczeni de geli\u015ftiriyor. Pandemi gibi k\u00fcresel krizler ise mevcut yap\u0131lar\u0131 geri d\u00f6n\u00fc\u015f\u00fc olmayacak \u015fekilde de\u011fi\u015fime zorluyor.\\n\\nBankalar\u0131n tarihi milattan \u00f6nceye dayan\u0131r. Ba\u015flang\u0131\u00e7ta tezg\u00e2hlar \u00fczerinde yap\u0131lan bor\u00e7 al\u0131p verme hareketi, ticaretin geli\u015fmesiyle beraber bankac\u0131l\u0131\u011f\u0131 da geli\u015ftirmi\u015ftir. \u00dcstelik g\u00fcvenilir bankerler bulma ihtiyac\u0131, baz\u0131 t\u00fcccarlar\u0131n di\u011fer t\u00fcccarlarla i\u015fbirli\u011fi yapmas\u0131n\u0131 sa\u011flam\u0131\u015f ve \u015fubecili\u011fin ilk ad\u0131mlar\u0131 at\u0131lm\u0131\u015ft\u0131r. Milattan \u00f6nce 18. y\u00fczy\u0131la dayand\u0131\u011f\u0131 tahmin edilen Hammurabi Kanunlar\u0131\u2019nda bor\u00e7 al\u0131p verme, tahsilat y\u00f6ntemleri, kredilendirme ve borcu hukuken g\u00fcvenceye alma y\u00f6ntemlerine yer verilmi\u015ftir. \u00d6zellikle R\u00f6nesans d\u00f6neminin etkisiyle bankac\u0131l\u0131k daha kurumsal bir h\u00e2l alm\u0131\u015f 17. Y\u00fczy\u0131lda Avrupa Bankalar\u0131 kurulmaya ba\u015flam\u0131\u015ft\u0131r. Sanayinin geli\u015fmesi ve modern \u00e7a\u011fa girilmesiyle beraber ise bankac\u0131l\u0131k faaliyetleri h\u0131zlanm\u0131\u015ft\u0131r. Bununla beraber, \u00f6nceleri sadece merkez b\u00f6lgelerde olan bankalar, ta\u015fralarda da a\u00e7\u0131lmaya ba\u015flam\u0131\u015ft\u0131r. Tabii ki bunun m\u00fcmk\u00fcn olmas\u0131 \u015fubele\u015fme sayesinde ger\u00e7ekle\u015fmi\u015f ve en \u00fccra k\u00f6\u015fede ya\u015fayan vatanda\u015flar dahi bankac\u0131l\u0131k i\u015flemlerini merkeze gitmeden yapabilir h\u00e2le gelmi\u015ftir.\\n\\nAntik \u00e7a\u011flarda bankac\u0131l\u0131k do\u011fal olarak bireysel bazda y\u00fcr\u00fct\u00fclmekteydi ve genelde mahalli bir yap\u0131s\u0131 vard\u0131. Zamanla i\u015flerin artmas\u0131, birtak\u0131m do\u011fal felaketlerin ve krizlerin ortaya \u00e7\u0131kmas\u0131 ve i\u015f yapmak i\u00e7in krediye ihtiya\u00e7 duyulmas\u0131 sebebiyle bankac\u0131l\u0131k \u00f6rg\u00fct\u00fc geli\u015fti. 19. y\u00fczy\u0131lla beraber bankac\u0131l\u0131k faaliyetleri bor\u00e7 al\u0131p vermenin \u00f6tesine ge\u00e7ti ve sermaye piyasas\u0131 ara\u00e7lar\u0131n\u0131n ticaret hayat\u0131nda dola\u015f\u0131m\u0131n\u0131 sa\u011flad\u0131. 1929 B\u00fcy\u00fck Buhran\u0131\u2019ndan sonra ise bankac\u0131l\u0131k faaliyetleri giderek daha da \u00f6nemli h\u00e2le geldi. \u00c7\u00fcnk\u00fc o s\u0131ralarda Birinci D\u00fcnya Sava\u015f\u0131\u2019n\u0131n olu\u015fturdu\u011fu tahribat\u0131\\ngiderme ve hasar g\u00f6ren \u00fclkelerin toparlanmas\u0131n\u0131 sa\u011flamak i\u00e7in onlara kredi verilmesi a\u015famas\u0131na ge\u00e7ildi. Ya\u015fanan di\u011fer krizler ve \u00f6zellikle \u0130kinci D\u00fcnya Sava\u015f\u0131 sonras\u0131nda yat\u0131r\u0131m ve geli\u015fim bankalar\u0131 yayg\u0131nla\u015ft\u0131. Tabii ki artan ihtiya\u00e7lar\u0131 gidermek ve taleplere en iyi \u015fekilde yan\u0131t vermek i\u00e7in bankalar uzmanla\u015fma ve kadrolar\u0131n\u0131 geli\u015ftirme yoluna gitti. Bu da bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fc ekonominin hemen hemen her alan\u0131nda hizmet veren bir sekt\u00f6r h\u00e2line getirdi. \u00d6rne\u011fin, T\u00fcrkiye Bankalar Birli\u011fi verilerine g\u00f6re T\u00fcrkiye\u2019de 2002 y\u0131l\u0131nda yakla\u015f\u0131k 6500 banka \u015fubesi varken, 2009 y\u0131l\u0131na gelindi\u011finde bu say\u0131 9000\u2019e yakla\u015fm\u0131\u015f, 2017\u2019de 11.564 olmu\u015f ve 8 \u015eubat 2021 itibariyle 9867\u2019ye d\u00fc\u015fm\u00fc\u015ft\u00fcr.\\n\\nBilgisayarlar\u0131n ve teknolojinin hayat\u0131m\u0131zdaki yerini artt\u0131rmas\u0131yla ve \u00f6zellikle internetin yayg\u0131nla\u015fmas\u0131yla elektronik bankac\u0131l\u0131k \u00f6nem kazand\u0131. Elektronik bankac\u0131l\u0131kla beraber bankalar\u0131n klasik \u00e7al\u0131\u015fma saatlerinin d\u0131\u015f\u0131na \u00e7\u0131k\u0131ld\u0131 ve m\u00fc\u015fteriler istedikleri zaman zarf\u0131nda i\u015flem yapabilmeye ba\u015flad\u0131lar. Tabii ki mobil cihazlar\u0131n geli\u015fmesinin ve kullan\u0131m\u0131n\u0131n yayg\u0131nla\u015fmas\u0131 da bu durumda etkili oldu. Bu sebeple alternatif da\u011f\u0131t\u0131m kanallar\u0131na olan ilgi yo\u011funla\u015ft\u0131.\\n\\n\u0130nternetin yayg\u0131nla\u015fmas\u0131yla beraber insanlar\u0131n \u015fubelere gitmeden, tek t\u0131kla i\u015flem yapabilme olas\u0131l\u0131klar\u0131 artm\u0131\u015ft\u0131r. M\u00fc\u015fterilerin bilgisayarlar\u0131 veya mobil cihazlar\u0131 arac\u0131l\u0131\u011f\u0131yla bankac\u0131l\u0131k i\u015flemlerini yapabilmesini sa\u011flam\u0131\u015ft\u0131r. Geleneksel bankac\u0131l\u0131\u011f\u0131n d\u0131\u015f\u0131na \u00e7\u0131k\u0131lmas\u0131 ve i\u015flemlerin bu \u015fekilde \u015fubeye gidilmeden yap\u0131lmas\u0131 bankac\u0131l\u0131k literat\u00fcr\u00fcnde alternatif da\u011f\u0131t\u0131m kanallar\u0131 olarak adland\u0131r\u0131l\u0131r. Yani, teknolojinin ve \u00e7e\u015fitli teknolojik altyap\u0131lar\u0131n kullan\u0131lmas\u0131yla birlikte m\u00fc\u015fterilerin \u015fubelere gitmeden i\u015flem yapmas\u0131n\u0131n m\u00fcmk\u00fcn k\u0131l\u0131nmas\u0131n\u0131 sa\u011flayan ara\u00e7lara bu isim verilmektedir. Alternatif da\u011f\u0131t\u0131m kanallar\u0131na bankalar\u0131n \u00e7a\u011fr\u0131 merkezleri, ATM\u2019ler, internet \u015fubeleri ve mobil bankac\u0131l\u0131k uygulamalar\u0131 d\u00e2hildir. \u015eubelere gitmek zorunda kalmayan m\u00fc\u015fteriler, cep telefonlar\u0131 veya bilgisayarlar\u0131 arac\u0131l\u0131\u011f\u0131yla internet \u00fczerinden hemen hemen her i\u015flemi yerine getirebileceklerdir. \u00d6rne\u011fin \u0130\u015f Bankas\u0131 verilerine g\u00f6re 2009 y\u0131l\u0131nda bu banka \u00fczerinden ger\u00e7ekle\u015fen i\u015flemlerin %61.2\u2019si alternatif da\u011f\u0131t\u0131m\\nkanallar\u0131 \u00fczerinden ger\u00e7ekle\u015fmi\u015ftir. Aradan ge\u00e7en 10 y\u0131lda ise bu oran daha da artm\u0131\u015ft\u0131r.\\n\\nBanka \u00e7al\u0131\u015fanlar\u0131n\u0131n mevcut yetkinliklerini artt\u0131rmas\u0131, esnek olabilmesi, kendi kayna\u011f\u0131n\u0131 iyi tan\u0131mas\u0131, geli\u015fimine yat\u0131r\u0131m yapmas\u0131, teknoloji ve yarat\u0131c\u0131l\u0131k konusunda kendisini geli\u015ftirmesi \u00f6nemlidir. Ayr\u0131ca, gerekiyorsa dan\u0131\u015fmanlardan g\u00f6r\u00fc\u015f almas\u0131 da, kendisine olan inanc\u0131n\u0131 artt\u0131racakt\u0131r.\\n\\nT\u00fcm d\u00fcnyay\u0131 etkisi alt\u0131na alan koronavir\u00fcs sebebiyle banka \u015fubeleri normal \u00e7al\u0131\u015fma saatlerini k\u0131saltm\u0131\u015f ve uzaktan i\u015flem yapma ihtiyac\u0131 artm\u0131\u015ft\u0131r. \u0130nsanlar\u0131n vir\u00fcsten korunmak i\u00e7in d\u0131\u015far\u0131 \u00e7\u0131kmamas\u0131 bunda \u00f6nemli bir etkendir. Bu sebeple bankalar alternatif da\u011f\u0131t\u0131m kanallar\u0131na a\u011f\u0131rl\u0131k vermi\u015fler ve yap\u0131lan i\u015flemlerin \u00e7o\u011fu \u00f6zellikle pandemi d\u00f6neminde mobil bankac\u0131l\u0131k uygulamalar\u0131 ve internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden yap\u0131lm\u0131\u015ft\u0131r. Bunun etkili olmas\u0131n\u0131n bir sebebi bankalar\u0131n hemen hemen her i\u015flemi internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden yap\u0131lmas\u0131n\u0131 m\u00fcmk\u00fcn k\u0131lmas\u0131d\u0131r. \u00d6rne\u011fin, Garanti Bankas\u0131 nezdinde yap\u0131labilen i\u015flemlerin %99\u2019u internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden yap\u0131labilmektedir. Pandemi d\u00f6neminde krizlere haz\u0131rl\u0131kl\u0131 olan ve bunu \u00f6ng\u00f6r\u00fcp alternatif da\u011f\u0131t\u0131m kanallar\u0131na yat\u0131r\u0131m yapm\u0131\u015f bankalar m\u00fc\u015fteri ihtiya\u00e7lar\u0131n\u0131 iyi bir \u015fekilde y\u00f6netebilmi\u015flerdir. \u00d6yle ki bu d\u00f6nemde alternatif da\u011f\u0131t\u0131m kanallar\u0131n\u0131n kullan\u0131m\u0131nda %20-30 aras\u0131nda bir art\u0131\u015f ger\u00e7ekle\u015ftirmi\u015ftir.\\n\\nTeknolojinin geli\u015fmesiyle ve inovasyona yat\u0131r\u0131m yap\u0131lmas\u0131yla beraber alternatif da\u011f\u0131t\u0131m kanallar\u0131 daha da \u00f6n plana \u00e7\u0131km\u0131\u015ft\u0131r. \u00d6te yandan bu geli\u015fim klasik bankac\u0131l\u0131k d\u00fc\u015f\u00fcncesini de de\u011fi\u015ftirmektedir, inovasyona daha \u00e7ok yat\u0131r\u0131m yap\u0131lacak ve bankac\u0131l\u0131k i\u015flemlerinin hemen hemen hepsi b\u00fcy\u00fck \u00e7o\u011funlukla uzaktan ger\u00e7ekle\u015fecektir. M\u00fc\u015fteriler, Deloitte\u2019un anketine g\u00f6re \u015fubeleri daha \u00e7ok seviyor. Bunun sebeplerinin ba\u015f\u0131nda ise ara y\u00fczlerin kar\u0131\u015f\u0131k olmas\u0131 ve y\u00fcz y\u00fcze ileti\u015fim. Ancak bu durum yapay zek\u00e2 ve inovasyonla \u00fcstesinden gelinebilecek bir unsurdur. Ayr\u0131ca her ge\u00e7en g\u00fcn teknolojik okuryazarl\u0131\u011f\u0131n artmas\u0131 da m\u00fc\u015fterilerin bu yakla\u015f\u0131m\u0131n\u0131 de\u011fi\u015ftirecektir.\\n\\nZaman su gibi ak\u0131p gidiyor. Bug\u00fcn\u00fcn teknolojisi yar\u0131n var olmayacak. Bu de\u011fi\u015fim organizasyonlara, \u00e7al\u0131\u015fanlara, i\u015f yap\u0131\u015f bi\u00e7imlerine etki etmektedir. 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\u201cVakit varken tomurcuklar\u0131 topla. 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