{"id":2452,"date":"2022-08-15T10:56:47","date_gmt":"2022-08-15T07:56:47","guid":{"rendered":"https:\/\/www.cigdemguven.com\/?p=2452"},"modified":"2022-08-16T14:09:10","modified_gmt":"2022-08-16T11:09:10","slug":"dijital-bankacilik-ii-dijital-bankacilik-lisanslama-adimlari","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/yazilar\/dijital-bankacilik-ii-dijital-bankacilik-lisanslama-adimlari\/","title":{"rendered":"Dijital Bankac\u0131l\u0131k II \u2013 Dijital Bankac\u0131l\u0131k Lisanslama Ad\u0131mlar\u0131"},"content":{"rendered":"<p>{&#8220;main-title&#8221;:{&#8220;component&#8221;:&#8221;hc_title&#8221;,&#8221;id&#8221;:&#8221;main-title&#8221;,&#8221;title&#8221;:&#8221;&#8221;,&#8221;subtitle&#8221;:&#8221;&#8221;,&#8221;title_content&#8221;:{&#8220;component&#8221;:&#8221;hc_title_empty&#8221;,&#8221;id&#8221;:&#8221;title-empty&#8221;}},&#8221;section_QvNqz&#8221;:{&#8220;component&#8221;:&#8221;hc_section&#8221;,&#8221;id&#8221;:&#8221;section_QvNqz&#8221;,&#8221;section_width&#8221;:&#8221;&#8221;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;vertical_row&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;section-color no-padding-bottom no-padding-top 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no-padding-top &#8220;,&#8221;custom_css_classes&#8221;:&#8221;blogtext&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;section_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_column&#8221;,&#8221;id&#8221;:&#8221;column_0qrhK&#8221;,&#8221;column_width&#8221;:&#8221;col-md-12&#8243;,&#8221;animation&#8221;:&#8221;&#8221;,&#8221;animation_time&#8221;:&#8221;&#8221;,&#8221;timeline_animation&#8221;:&#8221;&#8221;,&#8221;timeline_delay&#8221;:&#8221;&#8221;,&#8221;timeline_order&#8221;:&#8221;&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;main_content&#8221;:[{&#8220;component&#8221;:&#8221;hc_wp_editor&#8221;,&#8221;id&#8221;:&#8221;gE6EW&#8221;,&#8221;css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_classes&#8221;:&#8221;&#8221;,&#8221;custom_css_styles&#8221;:&#8221;&#8221;,&#8221;editor_content&#8221;:&#8221;\u0130nternet altyap\u0131s\u0131ndaki geli\u015fmeler, mobil telefonlar ve tabletlerin yayg\u0131n olarak kullan\u0131lmas\u0131, finansal hizmetlerin dijital kanallar \u00fczerinden sunulmas\u0131n\u0131 \u00f6nemli oranda art\u0131rm\u0131\u015f durumdad\u0131r. \u00d6zelikle Covid-19 ertesi d\u00f6nemde \u201cdijital bankac\u0131l\u0131k\u201d\u0131n kapsam\u0131 da ciddi oranda geni\u015flemi\u015ftir.\\n\\nBanka \u015fubelerindeki i\u015flem s\u00fcreleri de g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, zaman ve mek\u00e2nsal anlamda t\u00fcketicilere ciddi kolayl\u0131k ve 7\/24 eri\u015fim sa\u011flayan \u201cdijital bankac\u0131l\u0131k\u201d\u0131n yayg\u0131nla\u015fmas\u0131 i\u00e7in T\u00fcrkiye\u2019de at\u0131lan en b\u00fcy\u00fck ad\u0131m, 1 Ocak 2022 itibariyle y\u00fcr\u00fcrl\u00fc\u011fe giren \u201cDijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik&#8217; olmu\u015ftur. Bu y\u00f6netmelik, \u201csadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden hizmet veren \u015fubesiz bankalar\u201d\u0131n \u201cdijital banka\u201d olarak finansal t\u00fcketicilere ve KOB\u0130\u2019lere hizmet verebilmelerini sa\u011flamaktad\u0131r.\\n\\n<strong>\u0130lgili y\u00f6netmeli\u011fe g\u00f6re \u201cdijital banka\u201d olabilmenin \u015fartlar\u0131 a\u015fa\u011f\u0131daki gibi \u00f6zetlenebilir:<\/strong>\\n<\/p>\n<ul>\\n \\t<\/p>\n<li>Dijital bankalar \u201cbankac\u0131l\u0131k hizmetlerini fiziksel \u015fubeler yerine elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 arac\u0131l\u0131\u011f\u0131yla sunan kredi kurulu\u015fu\u201d- yani bankac\u0131l\u0131k hizmetleri tan\u0131m\u0131nda belirtilen \u015fekilde sunan mevduat ve kat\u0131l\u0131m bankalar\u0131 olarak tan\u0131mlanmaktad\u0131r- kalk\u0131nma ve yat\u0131r\u0131m bankalar\u0131 kapsam d\u0131\u015f\u0131ndad\u0131r.<\/li>\n<p>\\n \\t<\/p>\n<li>Bankac\u0131l\u0131k hizmetleri \u201c\u015fubesiz\u201d y\u00fcr\u00fct\u00fclecek, t\u00fcketicilerin hizmet alabilece\u011fi her t\u00fcrl\u00fc elektronik da\u011f\u0131t\u0131m kanallar\u0131nda hizmet sunulabilecektir (internet bankac\u0131l\u0131\u011f\u0131, mobil bankac\u0131l\u0131k, telefon bankac\u0131l\u0131\u011f\u0131, a\u00e7\u0131k bankac\u0131l\u0131k, ATM vs )<\/li>\n<p>\\n \\t<\/p>\n<li>Asgari \u00f6denmi\u015f sermaye \u015fart\u0131 1 Milyar TL\u2019dir- BDDK bu tutar\u0131 gerekli g\u00f6r\u00fcrse art\u0131rabilir.<\/li>\n<p>\\n \\t<\/p>\n<li>Sunabilecek hizmetler anlam\u0131nda, mevduat ya da kat\u0131l\u0131m bankas\u0131 olmalar\u0131na g\u00f6re kredi kurulu\u015flar\u0131n\u0131n sunabilece\u011fi t\u00fcm hizmetleri sunabilirler (\u00f6rne\u011fin; banka, kredi ve \u00f6n \u00f6demeli kartlar\u0131 kabul etmek \u00fczere kendileriyle anla\u015fma yapan i\u015fyerleri vas\u0131tas\u0131yla, m\u00fc\u015fterilerine nakit \u00e7ekim ya da \u00f6n \u00f6demeli \u00f6deme ara\u00e7lar\u0131na bakiye y\u00fckleme hizmeti verebilirler.<\/li>\n<p>\\n \\t<\/p>\n<li>Uyulmas\u0131 gereken mevzuat anlam\u0131nda kredi kurulu\u015flar\u0131n\u0131n uymakla y\u00fck\u00fcml\u00fc oldu\u011fu t\u00fcm mevzuat h\u00fck\u00fcmleri de uyulmas\u0131 gerekmektedir.<\/li>\n<p>\\n \\t<\/p>\n<li><strong>Faaliyetler anlam\u0131nda baz\u0131 k\u0131s\u0131tlamalar bulunmaktad\u0131r. Buna g\u00f6re;<\/strong>\\n\n<ul>\\n \\t<\/p>\n<li>Dijital bankalar\u0131n kredi m\u00fc\u015fterileri sadece finansal t\u00fcketiciler ya da Kobiler olabilir.<\/li>\n<p>\\n \\t<\/p>\n<li>Dijital bankalar\u0131n genel m\u00fcd\u00fcrl\u00fck ile genel m\u00fcd\u00fcrl\u00fc\u011fe ba\u011fl\u0131 hizmet birimleri d\u0131\u015f\u0131nda muhabirlik, acentelik, temsilcilik gibi her ne ad alt\u0131nda olursa olsun\\nte\u015fkilatlanmaya gitmesi, fiziksel \u015fube a\u00e7mas\u0131, dijital ortamda ger\u00e7ekle\u015ftirilecek olanlar hari\u00e7 kiral\u0131k kasa ve emanete alma i\u015flemleri ile saklama hizmetlerini sunmas\u0131 yasakt\u0131r. Ancak, bir \u015fube gibi kullan\u0131lmad\u0131\u011f\u0131 m\u00fcddet\u00e7e m\u00fc\u015fteri \u015fik\u00e2yetlerini ele almak i\u00e7in en az bir fiziksel b\u00fcro kurulmas\u0131 gerekmektedir.<\/li>\n<p>\\n \\t<\/p>\n<li>Dijital bankalar\u0131n, bir m\u00fc\u015fterisine kulland\u0131rabilece\u011fi -kredi kartlar\u0131 ile ger\u00e7ekle\u015ftirilen harcamalar ve nakit \u00e7ekimleri ile kredili mevduat hesaplar\u0131 hari\u00e7 olmak \u00fczere- teminats\u0131z nakdi t\u00fcketici kredilerinin toplam\u0131, ilgili m\u00fc\u015fterinin beyan edilen ve dijital bankalarca teyit edilen ayl\u0131k ortalama net gelirinin d\u00f6rt kat\u0131n\u0131 ve m\u00fc\u015fterinin ayl\u0131k ortalama net gelirinin tespit edilememesi halinde on bin T\u00fcrk Liras\u0131n\u0131 a\u015famayacakt\u0131r.<\/li>\n<p>\\n \\t<\/p>\n<li>Hizmet s\u00fcreklili\u011fi taahh\u00fcd\u00fc konusu \u00f6zel h\u00fck\u00fcm alt\u0131na al\u0131nm\u0131\u015ft\u0131r, buna g\u00f6re dijital bankalar\u0131n internet bankac\u0131l\u0131\u011f\u0131 ve mobil bankac\u0131l\u0131k da\u011f\u0131t\u0131m kanallar\u0131 i\u00e7in taahh\u00fct edilen s\u00fcreklilik y\u00fczdesinin %99,8\u2019den daha d\u00fc\u015f\u00fck olamaz.<\/li>\n<p>\\n<\/ul>\n<p>\\n<\/li>\n<p>\\n \\t<\/p>\n<li>Y\u00f6netmelikte ayr\u0131ca teknoloji, elektronik ticaret ve telekom\u00fcnikasyon hizmetleri sunan firmalar\u0131n da dijital banka kurabilece\u011fi belirtilmi\u015ftir. Bu durumda uyulmas\u0131 gerekecek iki \u00f6nemli husus;\\n\n<ul>\\n \\t<\/p>\n<li>H\u00e2kim ortak t\u00fczel ki\u015filerin ya da bu t\u00fczel ki\u015filerin kontrol\u00fcn\u00fc elinde bulunduran ger\u00e7ek ve t\u00fczel ki\u015filerin T\u00fcrkiye\u2019de yerle\u015fik olmas\u0131 ve<\/li>\n<p>\\n \\t<\/p>\n<li>T\u00fcrkiye\u2019de yerle\u015fik ki\u015filerin bor\u00e7luluk durumu ve mali g\u00fcc\u00fcne ili\u015fkin ellerinde bulundurduklar\u0131 risk verilerini payla\u015fmaya y\u00f6nelik olarak Risk Merkezi ile bilgi al\u0131\u015fveri\u015fi s\u00f6zle\u015fmesi imzalam\u0131\u015f olmalar\u0131d\u0131r.<\/li>\n<p>\\n<\/ul>\n<p>\\n<\/li>\n<p>\\n<\/ul>\n<p>\\n<strong>T\u00fcrkiye\u2019de \u201cdijital banka\u201d lisans\u0131n alan ilk \u015firket<\/strong>, kurucu ortaklar\u0131 Hayat Holding A\u015e, Hayat Kimya Sanayi A\u015e, AS T\u00fcketim Mallar\u0131 Ticaret A\u015e, Kastamonu Entegre A\u011fa\u00e7 Sanayi ve Ticaret A\u015e ve Lima\u015f Liman \u0130\u015fletmecili\u011fi A\u015e taraf\u0131ndan olan ve asgari 1 milyar 500 milyon TL kurulu\u015f sermayeli \u201cHayat Kat\u0131l\u0131m Bankas\u0131\u201d olmu\u015ftur. (22 Nisan 22).\\n\\n<strong>Lisan\u0131 alan bir di\u011fer \u015firket de<\/strong>, Great East Capital Bilgi Teknolojileri Yat\u0131r\u0131mlar\u0131 A\u015e, Adam Muhammed Sad\u0131q, Maryam Khalid Al-Atteyah, Hector Fernando Sepul Veda Reyes Retena ve Ya\u011fmur \u015eatana taraf\u0131ndan kurulan \u201cKasa Kat\u0131l\u0131m Bankas\u0131 A\u015e\u201d dir. (8 Temmuz 22)\\n\\nYurtd\u0131\u015f\u0131ndaki \u00f6rnekler incelendi\u011finde, finans sekt\u00f6r\u00fcn\u00fcn tamamen d\u0131\u015f\u0131ndan baz\u0131 markalar\u0131n da \u201cdijital banka\u201d olarak pazara girdi\u011fi ve \u00f6zellikle teknoloji, telekom\u00fcnikasyon, e-ticaret gibi yenilik\u00e7i sekt\u00f6rlerden \u00e7ok yarat\u0131c\u0131 \u00f6rneklerin ortaya \u00e7\u0131kt\u0131\u011f\u0131 g\u00f6r\u00fclmektedir.\\n\\nBu \u00f6rneklerin biri <strong>Singapur\u2019da<\/strong>, 2012 y\u0131l\u0131nda MyTeksi ismiyle Uber&#8217;e benzer \u015fekilde online taksi bulma uygulamas\u0131 olarak piyasaya giren ve 2016 y\u0131l\u0131nda <strong>Grab <\/strong>ismini alan uygulamad\u0131r. Firma Endonezya merkezli \u00f6deme sistemi Ovo\u2019yu sat\u0131n alarak <strong>Grab Pay<\/strong>\u2019i kurup, dijital banka lisans\u0131n\u0131 da almas\u0131n\u0131n sonras\u0131nda yemek ve market al\u0131\u015fveri\u015fi teslimat\u0131, finansal hizmetlere, otel rezervasyonu gibi alanlarda varl\u0131\u011f\u0131n\u0131 s\u00fcrd\u00fcren bir s\u00fcper uygulamaya d\u00f6n\u00fc\u015fm\u00fc\u015f durumdad\u0131r. (SuperApp).\\n\\nSingapur\u2019daki bir di\u011fer \u00f6nemli \u00f6rnek, \u00f6nemli s\u00fcper uygulamalardan AliPay\u2019in sahibi oldu\u011fu <strong>Ant Financial<\/strong>. AliPay d\u00fcnyadaki s\u00fcper uygulamalar\u0131n ilk \u00f6rneklerinden ve Asya\u2019da da \u00e7ok \u00f6nemli bir konumdad\u0131r. Ant Financial\u2019\u0131n <strong>digital wholesale bank<\/strong> (DWB) lisans\u0131n\u0131 almas\u0131 ise Kobilere y\u00f6nelik \u00e7ok ciddi bir rakip olaca\u011f\u0131n\u0131n sinyallerini vermektedir.\\n\\nD\u00fcnya Bankas\u0131 dan\u0131\u015fmanlar\u0131ndan <strong>Mehmet Kerse<\/strong>\u2019nin haz\u0131rlad\u0131\u011f\u0131 Avrupa Ekosistem Raporu\u2019na g\u00f6re d\u00fcnyada dijital bankalar\u0131n d\u00fczenlemesi i\u00e7in \u00fc\u00e7 ana yakla\u015f\u0131m vard\u0131r:\\n\\n\u0130lki T\u00fcrkiye\u2019de de oldu\u011fu gibi, <strong>\u00f6zel dijital bankac\u0131l\u0131k lisans\u0131 (bespoke licencing regime) alarak bu sekt\u00f6re girmesi yakla\u015f\u0131m\u0131<\/strong>. Bu y\u00f6ntem daha \u00e7ok Asya \u00fclkeleri taraf\u0131ndan benimsenmektedir. Hong Kong, Kore, Filipinler, Malezya, Tayvan ve Singapur \u00f6ne \u00e7\u0131kan \u00fclkelerdir.\\n\\nSingapur\u2019da iki farkl\u0131 lisans sunulmaktad\u0131r, biri daha \u00e7ok bireysel m\u00fc\u015fterileri hedefleyen \u201cdigital full bank\u201d (DFB), di\u011feri ise Kobileri hedefleyen \u201cdigital wholesale bank\u201d (DWB).\\n\\n<strong>Hong Kong\u2019da<\/strong> \u00f6ne \u00e7\u0131kan iki \u00f6rnek, <strong>Xiaomi\u2019nin <\/strong>%90 hissesine sahip oldu\u011fu <strong>Airstar <\/strong>ve kurucu CEO su bir T\u00fcrk olan <strong>(Deniz G\u00fcven)<\/strong> ve Standart Charter\u2019in da ortaklar\u0131 aras\u0131nda yer ald\u0131\u011f\u0131 <strong>Mox\u2019tur<\/strong>.\\n\\nBu yakla\u015f\u0131m\u0131n ana hatlar\u0131, \u015fubele\u015fmeye izin vermiyor olmas\u0131, ana hedef kitle olarak alt gelir grubundaki ki\u015fileri ve Kobileri \u00f6nceliklendirmesi ve \u00fclkeden \u00fclkeye de\u011fi\u015fiklik g\u00f6sterse de belli bir asgari sermaye \u015fart\u0131 aran\u0131yor olmas\u0131 \u015feklinde \u00f6zetlenebilir.\\n\\n<strong>\u0130kinci yakla\u015f\u0131m \u201cA\u015famal\u0131 Lisanslama\u201d (Phased Authorization)<\/strong>, bu yakla\u015f\u0131mda dijital bankalar lisanslanm\u0131\u015f ve tam faaliyete ba\u015flam\u0131\u015f bir banka olmadan \u00f6nce bir ge\u00e7i\u015f s\u00fcrecinden ge\u00e7er. Bunun \u00f6rnekleri aras\u0131nda \u0130ngiltere, Avustralya ve Malezya bulunmaktad\u0131r. Bu yakla\u015f\u0131mda, dijital bankac\u0131l\u0131k i\u00e7in ayr\u0131 bir lisans gerekmemektedir.\\n\\n\u0130ngiltere Bank of England\u2019\u0131n (BOE) alt\u0131nda \u201cNew Bank Start-up Unit\u201d birimini kurarak dijital bankac\u0131l\u0131k anlam\u0131nda ilk ad\u0131m\u0131 atan \u00fclkelerden birisidir. \u0130ngiltere\u2019de \u00f6ne \u00e7\u0131kan dijital bankalar <strong>Monzo, Revolut, Atom<\/strong> ve <strong>Starling\u2019dir<\/strong>. Revolut 40\u2019tan fazla \u00fclkede faaliyet g\u00f6stermektedir.\\n\\nAvusturalya\u2019daki modelde en fazla 24 ay s\u00fcrecek bir ge\u00e7i\u015f d\u00f6nemi \u00f6ng\u00f6r\u00fcl\u00fcrken, Malezya modelinde ge\u00e7i\u015f d\u00f6nemi bir zorunluluk ve \u00fc\u00e7 ile be\u015f y\u0131l aras\u0131 s\u00fcrmesi gerekmektedir.\\n\\n<strong>\u00dc\u00e7\u00fcnc\u00fc yakla\u015f\u0131m ise d\u00fcnyada en yayg\u0131n olan \u201cDijital Bankalar\u0131n Ticari Banka Olarak Lisanslanmas\u0131\u201d<\/strong> yakla\u015f\u0131m\u0131d\u0131r. Almanya, G\u00fcney Afrika, Brezilya gibi \u00fclkelerde \u00f6rneklerine daha s\u0131k rastlanan bu modelde, ayr\u0131ca bir dijital banka lisans kategorisi yoktur ve dijital i\u015f modeline sahip fintech\u2019ler mevcut ticari bankalar kategorisinde de\u011ferlendirilir. Almanya \u00f6rneklerinden <strong>Fidor <\/strong>ve <strong>N26 <\/strong>firmalar\u0131, d\u00fcnyada \u00e7ap\u0131nda \u00f6neme sahip dijital bankalard\u0131r. (N26 20\u2019den fazla \u00fclkede faaliyettedir.) Brezilya merkezli <strong>Nubank <\/strong>da, 2020 itibar\u0131yla toplam 3 Latin Amerika \u00fclkesinde 34 milyon kullan\u0131c\u0131ya ula\u015fm\u0131\u015f durumdad\u0131r.\\n\\n<strong>Sonu\u00e7 ve De\u011ferlendirme<\/strong>\\n\\n\u00d6zellikle Covit ertesi d\u00f6nemde, ba\u015fka bir\u00e7ok sekt\u00f6r gibi, hemen her g\u00fcn hizmet ald\u0131\u011f\u0131m\u0131z bankalar da dijitalle\u015fme a\u00e7\u0131s\u0131ndan yeni bir evreyi deneyimlemektedir.\\n\\nBankac\u0131l\u0131k hizmetlerinin dijital ortamda daha da \u00e7e\u015fitlenerek sunulmas\u0131 ve yayg\u0131nla\u015fmas\u0131, m\u00fc\u015fteriler i\u00e7in zaman ve mek\u00e2nsal tasarrufu, bankalar i\u00e7in de \u015fube a\u011f\u0131 ve onun etraf\u0131ndaki bir\u00e7ok masraf kaleminden kurtulabilmeyi sa\u011flamaktad\u0131r.\\n\\nTeknolojik altyap\u0131lar\u0131n geli\u015fmesi ve bu sekt\u00f6rdeki i\u015flem hacimlerinin g\u00fcn ge\u00e7tik\u00e7e b\u00fcy\u00fcmesi, sekt\u00f6r d\u0131\u015f\u0131ndan oyuncular\u0131n da i\u015ftahlar\u0131n\u0131 kabartm\u0131\u015f durumdad\u0131r. Gerekli hukuki altyap\u0131lar\u0131n da haz\u0131r hale gelmesiyle beraber, d\u00fcnya \u00e7ap\u0131nda teknoloji adaptasyonu g\u00fc\u00e7l\u00fc pek \u00e7ok ba\u015far\u0131l\u0131 firma, finansal hizmetleri de portf\u00f6ylerine katarak, m\u00fc\u015fteriye \u00e7ok daha pratik \u00e7\u00f6z\u00fcmler sunabilmektedir. Art\u0131k d\u00fcnyada \u201cdijital bankac\u0131l\u0131k\u201d sadece bankalar\u0131n hizmetlerini \u201conline\u201d ortamda sundu\u011fu bir alan\u0131 de\u011fil, ayn\u0131 zamanda bir\u00e7ok farkl\u0131 hizmeti sunan ve bankac\u0131l\u0131k sekt\u00f6r\u00fc d\u0131\u015f\u0131nda yer alan parlak firmalar\u0131n da oyuncu yer alabildi\u011fi yeni bir d\u00fcnyay\u0131 i\u015faret etmektedir.\\n\\nT\u00fcrkiye de gerekli hukuki d\u00fczenlemeler anlam\u0131nda ilk ciddi ad\u0131m 2022 ba\u015f\u0131 itibariyle at\u0131lm\u0131\u015f ve \u201cdijital bankac\u0131l\u0131k\u201d lisans\u0131 al\u0131m\u0131na ili\u015fkin detaylar d\u00fczenlenmi\u015f durumdad\u0131r. Hen\u00fcz sekt\u00f6re kat\u0131lan \u00e7ok fazla firma olmasa da yak\u0131n zamanda, \u00f6zellikle e-ticaret alan\u0131nda ciddi at\u0131l\u0131mlar\u0131n\u0131 g\u00f6rd\u00fc\u011f\u00fcm\u00fcz ve teknolojiyi son derece yarat\u0131c\u0131 \u015fekilde kullanabilen firmalar\u0131n finansal hizmetleri de sunmaya ba\u015flayarak yepyeni a\u00e7\u0131l\u0131mlar yaparak, kredi kart\u0131 taksitlendirmede t\u00fcm d\u00fcnyaya \u00f6nc\u00fc olduklar\u0131 gibi, dijital bankac\u0131l\u0131k anlam\u0131nda da \u00f6rnek olabilecek \u201cSuperApp\u201dler yaratmalar\u0131 \u015fa\u015f\u0131rt\u0131c\u0131 olmayacakt\u0131r.\\n\\nKu\u015fkusuz dozu y\u00fckselen rekabet, geleneksel bankalar\u0131n da dijital ortamda sunduklar\u0131 hizmetleri \u00e7e\u015fitlendirmeleri ve geli\u015ftirmeleri i\u00e7in ortam sa\u011flamaktad\u0131r. Bu anlamda yap\u0131lan son ara\u015ft\u0131rmalar, m\u00fc\u015fterilerin \u00f6zellikle mobil ileti\u015fim kanallar\u0131n\u0131 kullanmay\u0131 daha \u00e7ok tercih ettiklerini, \u00e7a\u011fr\u0131 merkezini aramaktansa self servis ya da chat-bot gibi daha pratik kanallarla i\u015flemlerini daha k\u0131sa s\u00fcrede tamamlamaktan memnuniyet duyduklar\u0131n\u0131 g\u00f6stermektedir. Bu anlamda, teknolojik geli\u015fmeler ve t\u00fcketici ihtiya\u00e7lar\u0131n\u0131n etkin \u015fekilde analizi, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn sunmakta oldu\u011fu hizmetler ve hizmetlere eri\u015fim \u015fekilleri a\u00e7\u0131s\u0131ndan d\u00f6n\u00fc\u015f\u00fcm\u00fcne ciddi anlamda katk\u0131 sa\u011flamaya devam 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\u015fubelerindeki i\u015flem s\u00fcreleri de g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, zaman ve mek\u00e2nsal anlamda t\u00fcketicilere ciddi kolayl\u0131k ve 7\/24 eri\u015fim sa\u011flayan \u201cdijital bankac\u0131l\u0131k\u201d\u0131n yayg\u0131nla\u015fmas\u0131 i\u00e7in T\u00fcrkiye\u2019de at\u0131lan en b\u00fcy\u00fck ad\u0131m, 1 Ocak 2022 itibariyle y\u00fcr\u00fcrl\u00fc\u011fe giren \u201cDijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik&#8217; olmu\u015ftur. 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Bu y\u00f6netmelik, \u201csadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden hizmet veren \u015fubesiz bankalar\u201d\u0131n \u201cdijital banka\u201d olarak finansal t\u00fcketicilere ve KOB\u0130\u2019lere hizmet verebilmelerini sa\u011flamaktad\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":2459,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-2452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-yazilar"],"yoast_head":"\n<title>Dijital Bankac\u0131l\u0131k II \u2013 Dijital Bankac\u0131l\u0131k Lisanslama Ad\u0131mlar\u0131 | \u00c7i\u011fdem G\u00fcven Management Consulting &amp; Coaching &amp; 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\/yazilar\/dijital-bankacilik-ii-dijital-bankacilik-lisanslama-adimlari\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dijital Bankac\u0131l\u0131k II \u2013 Dijital Bankac\u0131l\u0131k Lisanslama Ad\u0131mlar\u0131 | \u00c7i\u011fdem G\u00fcven Management Consulting &amp; Coaching &amp; Mentoring Services\" \/>\n<meta property=\"og:description\" content=\"Banka \u015fubelerindeki i\u015flem s\u00fcreleri de g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, zaman ve mek\u00e2nsal anlamda t\u00fcketicilere ciddi kolayl\u0131k ve 7\/24 eri\u015fim sa\u011flayan \u201cdijital bankac\u0131l\u0131k\u201d\u0131n yayg\u0131nla\u015fmas\u0131 i\u00e7in T\u00fcrkiye\u2019de at\u0131lan en b\u00fcy\u00fck ad\u0131m, 1 Ocak 2022 itibariyle y\u00fcr\u00fcrl\u00fc\u011fe giren \u201cDijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik&#039; olmu\u015ftur. 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