{“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\u0131k”,”tag”:”h1″},{“component”:”hc_image_box”,”id”:”P92Nk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”image”:”https:\/\/www.cigdemguven.com\/medias\/2022\/01\/cigdem-guven-gidital_banking-1024×714.jpg|753|1080|2315″,”link_type”:”lightbox”,”lightbox_animation”:””,”caption”:”Dijital Bankac\u0131l\u0131k”,”inner_caption”:false,”new_window”:false,”link”:”https:\/\/www.cigdemguven.com\/medias\/2022\/01\/cigdem-guven-gidital_banking-1024×714.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 bankac\u0131l\u0131k, m\u00fc\u015fterilere banka \u015fubelerine gitmeden, dijital kanallar arac\u0131l\u0131\u011f\u0131 ile i\u015flem yapabilme imk\u00e2n\u0131 sunan bir bankac\u0131l\u0131k teknolojisidir. Dijital bankac\u0131l\u0131k m\u00fc\u015fteriye \u00f6zeldir ve m\u00fc\u015fterinin ihtiyac\u0131na g\u00f6re sunulan hizmet \u015fekillenir. Dijital bankac\u0131l\u0131k nitelikli i\u015f g\u00fcc\u00fc gerektirir.\\n\\nT\u00fcrkiye\u2019de Ocak 2022\u2019de Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ve Servis Modeli Bankac\u0131l\u0131\u011f\u0131 konusunda d\u00fczenleme getirilmi\u015ftir. Yap\u0131lan d\u00fczenleme ile birlikte dijital bankac\u0131l\u0131k uygulamalar\u0131n\u0131n geli\u015ftirilmesi s\u00f6z konusu olacakt\u0131r.\\n\\nBankac\u0131l\u0131k alan\u0131nda \u00f6nemli bir de\u011fi\u015fim ve geli\u015fim s\u00fcrecinden ge\u00e7ilmektedir. D\u00fczenlemeler ile birlikte bu uygulamada b\u00fct\u00fcn taraflar haz\u0131rl\u0131klar\u0131 e\u015f zamanl\u0131 olarak ger\u00e7ekle\u015ftirmektedir.\\n\\nT\u00fcrkiye\u2019de toplam geleneksel banka say\u0131s\u0131 54\u2019t\u00fcr. T\u00fcrkiye\u2019de dijital bankac\u0131l\u0131k potansiyeli olduk\u00e7a y\u00fcksektir. Geleneksel bankalar\u0131n hizmet vermede \u00f6nceliklendiremedi\u011fi pek \u00e7ok kesim m\u00fc\u015fterinin \u00f6zellikle de gen\u00e7 ku\u015fa\u011f\u0131n dijital bankalar arac\u0131l\u0131\u011f\u0131yla bankac\u0131l\u0131k hizmetlerine ula\u015fmas\u0131 g\u00fcn\u00fcm\u00fczde daha m\u00fcmk\u00fcnd\u00fcr. Geleneksel bankalar bu grup m\u00fc\u015fterilere dijital bankalar ile i\u015f birli\u011fi yaparak ula\u015fabileceklerdir. Bu s\u00fcre\u00e7te dijital bankalar\u0131n i\u015f modellerini \u00e7ok iyi kurgulamas\u0131 gerekmektedir. Bu \u015fekilde yeni yap\u0131ya ge\u00e7i\u015f s\u00fcrecinde olu\u015fan rekabet ortam\u0131n\u0131n bir i\u015f birli\u011fi f\u0131rsat\u0131na \u00e7evrilmesi m\u00fcmk\u00fcn olacakt\u0131r.\\n\\nRakiplerin birlikte i\u015f birli\u011fi yapmas\u0131, ayn\u0131 zamanda mevcut d\u00fczenin esnek i\u015f yap\u0131\u015f bi\u00e7imine d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fc sa\u011flayacakt\u0131r. Geleneksel bankalar, de\u011fi\u015fim d\u00f6neminde mobil kullan\u0131m\u0131n\u0131n yayg\u0131nla\u015fmas\u0131, m\u00fc\u015fteri ihtiya\u00e7lar\u0131n\u0131n de\u011fi\u015fmesi ile birlikte kendi yap\u0131lar\u0131n\u0131 da \u00e7evik bir \u015fekilde d\u00f6n\u00fc\u015ft\u00fcrme ihtiyac\u0131 i\u00e7erisindedirler. M\u00fc\u015fteri segmenti ile ba\u011flant\u0131l\u0131 olarak i\u015f yap\u0131\u015f bi\u00e7imlerini g\u00f6zden ge\u00e7irmeleri gerekmektedir. Bu ba\u011flamda inovasyon da olduk\u00e7a \u00f6nemlidir.\\n\\nHali haz\u0131rda mevcut bankalar\u0131n dijitalle\u015fme yolundaki yat\u0131r\u0131mlar\u0131 ivme kazanm\u0131\u015ft\u0131r. \u015eubeye gelen m\u00fc\u015fteri say\u0131s\u0131nda azalma olmu\u015ftur. \u015eube bankac\u0131l\u0131\u011f\u0131ndaki m\u00fc\u015fteri taleplerinin azalmas\u0131na ba\u011fl\u0131 olarak, bankalar\u0131n \u015fube servis kanallar\u0131 \u00fczerinde tekrar \u00e7al\u0131\u015fmas\u0131 ihtiyac\u0131 do\u011fmu\u015ftur.\\n\\nYeni d\u00fczende geleneksel b\u00fcy\u00fck yap\u0131l\u0131 bankalar\u0131n \u00e7evik yakla\u015f\u0131mla rekabetle ilgili \u00e7al\u0131\u015fmalar\u0131n\u0131 yap\u0131yor olmas\u0131 b\u00f6ylelikle kendi d\u00f6n\u00fc\u015f\u00fcmlerini h\u0131zla ger\u00e7ekle\u015ftiriyor olmas\u0131 ve \u00e7\u0131kabilecek f\u0131rsatlar\u0131 iyi de\u011ferlendiriyor olmas\u0131 gerekmektedir. Dijital bankac\u0131l\u0131k uygulamalar\u0131 ile birlikte finans sekt\u00f6r\u00fcnde\\nkullan\u0131m\u0131 yayg\u0131nla\u015fan aray\u00fcz sa\u011flay\u0131c\u0131lar\u0131 sayesinde m\u00fc\u015fteri verilerinin i\u015flenmesi konusunda \u00f6nemli bir ad\u0131m at\u0131lm\u0131\u015ft\u0131r. Bu kapsamda her kullan\u0131c\u0131n\u0131n aktif olmas\u0131n\u0131n sa\u011flanmas\u0131 ve farkl\u0131 kanallar arac\u0131l\u0131\u011f\u0131 ile gelir modellerinin geni\u015fletilmesi hedeflenmektedir. Geleneksel bankalar\u0131n belli konularda uzmanla\u015fma yoluna gitmesi de alternatif bir se\u00e7enek olarak g\u00f6r\u00fcnmektedir.\\n\\nT\u00fcm bu s\u00fcre\u00e7lerle birlikte rekabetin yan\u0131 s\u0131ra bankalar kendi dijital lisanslar\u0131n\u0131 da alabileceklerdir.\\n\\nDijital bankac\u0131l\u0131k uygulamalar\u0131nda sadece teknoloji merkezli geli\u015fim m\u00fcmk\u00fcn de\u011fildir. Bununla birlikte m\u00fc\u015fteri davran\u0131\u015flar\u0131n\u0131n iyi analiz edilmesi ve sistemin s\u00fcre\u00e7 i\u00e7erisindeki de\u011fi\u015fimi g\u00f6z \u00f6n\u00fcnde bulundurularak kapsaml\u0131 bir yol haritas\u0131n\u0131n \u00e7izilmesi s\u00fcrd\u00fcr\u00fclebilirli\u011fin sa\u011flanmas\u0131 a\u00e7\u0131s\u0131ndan kritiktir.\\n\\nG\u00fcn\u00fcm\u00fczde bankac\u0131l\u0131k sekt\u00f6r\u00fc bir servis kolu olarak kar\u015f\u0131m\u0131za \u00e7\u0131ksa da gelecekte platform bankac\u0131l\u0131\u011f\u0131na d\u00f6n\u00fc\u015fece\u011fini s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr.”}]},{“component”:”hc_column”,”id”:”column_7aIP1″,”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”:”Hdg76″,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”size”:”space-sm”,”height”:””},{“component”:”hc_text_block”,”id”:”zmr0F”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”content”:”Payla\u015f:”},{“component”:”hc_social_share_buttons”,”id”:”P7L30″,”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”:””,”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\/2022\/01\/cigdem-guven-gidital_banking-1024×714.jpg|753|1080|2315″,”excerpt”:”Dijital bankac\u0131l\u0131k, m\u00fc\u015fterilere banka \u015fubelerine gitmeden, dijital kanallar arac\u0131l\u0131\u011f\u0131 ile i\u015flem yapabilme imk\u00e2n\u0131 sunan bir bankac\u0131l\u0131k teknolojisidir. 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Dijital bankac\u0131l\u0131k, m\u00fc\u015fterilere banka \u015fubelerine gitmeden, dijital kanallar arac\u0131l\u0131\u011f\u0131 ile i\u015flem yapabilme imk\u00e2n\u0131 sunan bir bankac\u0131l\u0131k teknolojisidir. Dijital bankac\u0131l\u0131k m\u00fc\u015fteriye \u00f6zeldir ve m\u00fc\u015fterinin ihtiyac\u0131na g\u00f6re sunulan hizmet \u015fekillenir. Dijital bankac\u0131l\u0131k nitelikli i\u015f g\u00fcc\u00fc gerektirir.<\/p>\n","protected":false},"author":1,"featured_media":2315,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-2312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-yazilar"],"yoast_head":"\n