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Olduk\u00e7a pop\u00fcler olan bu kavramlar eskiden sadece bilim kurgu filmlerinde kendilerine yer bulurken \u015fimdilerde hayat\u0131m\u0131z\u0131n bir par\u00e7as\u0131 haline geldi. Al\u0131\u015fveri\u015f yaparken, bilgisayarda arama motorunda ara\u015ft\u0131rma yaparken, tatile nereye gidece\u011fimize karar verirken ve \u00e7ok daha fazla konuda arka planda \u00e7al\u0131\u015fan bu uygulamalar finans ve bankac\u0131l\u0131k i\u015flemleri konusunda da hayat\u0131m\u0131z\u0131 kolayla\u015ft\u0131rmaya ba\u015flad\u0131.\\n\\nYapay zeka finansal alanda temelde maliyet merkezli yakla\u015f\u0131m\u0131 kar merkezli yapmaktad\u0131r. E&Y\u2019\u0131n 20 \u015eubat 2020 tarihli bas\u0131n b\u00fclteninde yapay zeka finansal hizmetler sekt\u00f6r\u00fcnde b\u00fcy\u00fcmenin en \u00f6nemli itici g\u00fcc\u00fc olarak tan\u0131mlanm\u0131\u015ft\u0131r. Yapay zek\u00e2 teknolojileri m\u00fc\u015fteri sadakati ve memnuniyetine verdi\u011fi artan \u00f6nem, m\u00fc\u015fteri deneyimine odaklanmas\u0131 ve t\u00fcm finansal i\u015flemleri otomatikle\u015ftiren yap\u0131s\u0131 ile \u00f6ne \u00e7\u0131kmaktad\u0131r.\\n\\nE&Y\u2019\u0131n ayn\u0131 b\u00fcltenine bakt\u0131\u011f\u0131m\u0131zda Cambridge \u00dcniversitesi Alternatif Finans Merkezi (CCAF), D\u00fcnya Ekonomik Forumu (WEF) ve Invesco i\u015f birli\u011fiyle bir ara\u015ft\u0131rma ger\u00e7ekle\u015ftirilmi\u015ftir. Ara\u015ft\u0131rmaya g\u00f6re finansal hizmet sa\u011flay\u0131c\u0131 organizasyonlar\u0131n liderlerinin %85\u2019i yapay zekay\u0131 \u015fu anda kulland\u0131\u011f\u0131n\u0131, %64\u2019\u00fc ise bu teknolojiyi iki y\u0131l i\u00e7inde yeni gelir kayna\u011f\u0131, yeni m\u00fc\u015fteri kazan\u0131m\u0131 ve risk y\u00f6netimi gibi konularda kullanacaklar\u0131n\u0131 s\u00f6ylemi\u015flerdir. Bu istatistikler de g\u00f6steriyor ki yapay zek\u00e2n\u0131n hem bug\u00fcn hem de gelecekte getirdi\u011fi farkl\u0131 yakla\u015f\u0131mlarla maliyetleri neredeyse yok edip kar\u0131 art\u0131rabilece\u011fini s\u00f6yleyebiliriz.\\n\\nMcKinsey\u2019nin 19 Eyl\u00fcl 2020 tarihli, \u201cGelece\u011fin yapay zek\u00e2 bankas\u0131: Bankalar yapay zeka sorununun \u00fcstesinden gelebilir mi?\u201d isimli raporuna g\u00f6re yapay zeka, bankalar i\u00e7in y\u0131lda 1 trilyon dolarl\u0131k de\u011ferin kilidini a\u00e7ma potansiyeline sahip oldu\u011fundan, de\u011fer yaratma potansiyeli end\u00fcstriler aras\u0131nda en b\u00fcy\u00fcklerden biridir. Bu de\u011feri yaratmak isteyen bankalar yapay zek\u00e2 \u00f6ncelikli bankalara d\u00f6n\u00fc\u015fmelidir.\\n\\nYapay zek\u00e2 bankac\u0131l\u0131k sekt\u00f6r\u00fcnde bireysel segment k\u0131sm\u0131nda %95, kobi segment k\u0131sm\u0131nda %30-%40, ticari kurumsal segment k\u0131sm\u0131ndaysa neredeyse %0 oran\u0131nda kullan\u0131lmaktad\u0131r. E\u011fer bankalar geleneksel yap\u0131lar\u0131n\u0131 inovatif bir s\u00fcrece sokup yapay zekaya, makine \u00f6\u011frenimine yat\u0131r\u0131m yaparlarsa gelecekteki rekabet sava\u015f\u0131nda daha g\u00fc\u00e7l\u00fc bir konuma gelebilirler. \\n\\nBankac\u0131l\u0131kta m\u00fc\u015fteri, i\u015flemleri h\u0131zl\u0131 ve konforlu bir \u015fekilde yerine getirirken ayn\u0131 zamanda verilerinin g\u00fcvenle saklanmas\u0131n\u0131 da talep etmektedir. Hem g\u00fcvenlik hem konfor alan\u0131nda da kendini g\u00f6steren \u00e7arp\u0131c\u0131 ilerlemelere neden olan yapay zek\u00e2 teknolojileri bankac\u0131l\u0131kta m\u00fc\u015fteri deneyimini iyile\u015ftirmek ve bankalar\u0131n operasyonel maliyetlerini azaltmak i\u00e7in \u00f6nemli geli\u015fmeler ortaya koymaktad\u0131r.\\n\\nOtomatik kredi skorlamas\u0131, sanal asistanlar, chat-bot, y\u00fcz tan\u0131ma sistemleri, imza ger\u00e7eklik tespiti, insanlar\u0131n duygu analizi, m\u00fc\u015fterilerin hangi kanaldan hangi i\u015flemi yapaca\u011f\u0131n\u0131n tespiti ve \u00e7ok daha faz las\u0131 finansal sekt\u00f6re yeni kat\u0131lan inovasyonlard\u0131r.\\n\\nOtomatik kredi skorlamas\u0131 sayesinde kredi notu zaman alan bir inceleme s\u00fcreci yerine an\u0131nda \u00f6\u011frenilebilmekte, imza ger\u00e7eklik tespiti ile hem denetimler hem de m\u00fc\u015fteri deneyimi daha h\u0131zl\u0131 hale gelmekte, y\u00fcz tan\u0131ma sistemi ile sistem g\u00fcvenli\u011fi \u00e7ok daha y\u00fcksek olmaktad\u0131r. T\u00fcm bunlar\u0131n yan\u0131nda finans d\u00fcnyas\u0131nda yapay zekan\u0131n parlad\u0131\u011f\u0131 en \u00f6ne \u00e7\u0131kan \u00f6zellik: chat-bot.\\n\\nChat-bot teknolojisi ba\u015fta robotik bir s\u00fcre\u00e7ken do\u011fal dil analizlerinin yap\u0131lmas\u0131 sonucu m\u00fc\u015fterilere sanki kar\u015f\u0131 tarafta bir insan varm\u0131\u015f deneyimi ya\u015fatmaktad\u0131r. Temel bankac\u0131l\u0131k i\u015flemlerini chat-bot \u00fczerinden hallederken, finansal alanda bilmedi\u011finiz kelimeleri ona sorabilirsiniz. Gelecekte bir \u015firketin her departman\u0131 i\u00e7in ayr\u0131 chat-bot teknolojileri olabilir. Bu sayede departmanlar aras\u0131 ve departman i\u00e7i i\u015flemler h\u0131zlan\u0131rken maliyet minimize edilebilir.\\n\\nYapay zeka bu kadar hayat\u0131m\u0131z\u0131n i\u00e7indeyken Web 3.0 ile ortaya \u00e7\u0131kan Metaverse kavram\u0131n\u0131 inceledi\u011fimizde ise hala \u00e7ok daha fazla belirsizlik oldu\u011fu g\u00f6r\u00fclmektedir. Metaverse tan\u0131m\u0131 gere\u011fi e\u011flenebilece\u011finiz, sosyalle\u015febilece\u011finiz ve rahatlayabilece\u011finiz sanal bir d\u00fcnyay\u0131 ifade etmektedir. K\u0131saca fiziksel ve sanal ya\u015famlar\u0131m\u0131z\u0131n bir birle\u015fimidir. Son zamanlarda olduk\u00e7a g\u00fcndemde olan blockchain teknolojisi bu kavram\u0131n gelecekteki yerini fazlaca somutla\u015ft\u0131rm\u0131\u015ft\u0131r. Blockhain teknolojisi ile birlikte metaversede de kullan\u0131labilecek kripto para birimleri ve NFT\u2019ler hayat\u0131m\u0131za girmi\u015ftir. Dolay\u0131s\u0131yla finans ve bankac\u0131l\u0131k sekt\u00f6r\u00fc de \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015fimlere kar\u015f\u0131 haz\u0131rl\u0131klar\u0131na ba\u015flam\u0131\u015ft\u0131r. Gelecekte t\u00fcm bankac\u0131l\u0131k i\u015flemleri metaverse evrenine ta\u015f\u0131nabilir ve \u015fu an al\u0131\u015ft\u0131\u011f\u0131m\u0131z bankac\u0131l\u0131\u011f\u0131n anlam\u0131 tamamen de\u011fi\u015febilir, fiziksel yap\u0131lan b\u00fct\u00fcn i\u015flemler ortadan kalkabilir. NFT, blockchain teknolojisi ve kripto paralar bankac\u0131l\u0131\u011f\u0131n bir par\u00e7as\u0131 haline gelebilir. Finansta ilk, en b\u00fcy\u00fck ve kayda de\u011fer at\u0131l\u0131m\u0131 d\u00fcnyan\u0131n en b\u00fcy\u00fck hisse de\u011ferine sahip olan bankas\u0131 JPMorgan taraf\u0131ndan yap\u0131lm\u0131\u015ft\u0131r. Metaverse evreninin ilk banka\\n\u015fubesini \u201cOnyx\u201d ismiyle a\u00e7m\u0131\u015ft\u0131r. Yay\u0131nlad\u0131\u011f\u0131 raporda sanal evrende yap\u0131lan ekonomik faaliyetlere \u201cmeta-ekonomi\u201d ad\u0131n\u0131 vermi\u015ftir. 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Metaverse, yapay zek\u00e2, makine \u00f6\u011frenmesi kavramlar\u0131n\u0131 \u00e7ok s\u0131k duyuyor olduk. Olduk\u00e7a pop\u00fcler olan bu kavramlar eskiden sadece bilim kurgu filmlerinde kendilerine yer bulurken \u015fimdilerde hayat\u0131m\u0131z\u0131n bir par\u00e7as\u0131 haline geldi. Al\u0131\u015fveri\u015f yaparken, bilgisayarda arama motorunda ara\u015ft\u0131rma yaparken, tatile nereye gidece\u011fimize karar verirken ve \u00e7ok daha fazla konuda arka planda \u00e7al\u0131\u015fan bu uygulamalar finans ve bankac\u0131l\u0131k i\u015flemleri konusunda da hayat\u0131m\u0131z\u0131 kolayla\u015ft\u0131rmaya ba\u015flad\u0131.<\/p>\n","protected":false},"author":1,"featured_media":2306,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,1,49,19],"tags":[],"class_list":["post-2302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-general","category-unsubscribe","category-yazilar"],"yoast_head":"\n