{"id":3137,"date":"2023-04-25T04:00:58","date_gmt":"2023-04-25T01:00:58","guid":{"rendered":"https:\/\/www.cigdemguven.com\/?p=3137"},"modified":"2023-04-28T04:21:01","modified_gmt":"2023-04-28T01:21:01","slug":"dijital-bankacilik-ve-almanya","status":"publish","type":"post","link":"https:\/\/www.cigdemguven.com\/tr\/yazilar\/dijital-bankacilik-ve-almanya\/","title":{"rendered":"Dijital Bankac\u0131l\u0131k ve Almanya"},"content":{"rendered":"{“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 ve Almanya”,”tag”:”h1″},{“component”:”hc_image_box”,”id”:”P92Nk”,”css_classes”:””,”custom_css_classes”:””,”custom_css_styles”:””,”image”:”https:\/\/www.cigdemguven.com\/medias\/2023\/04\/cigdem-guven-digital-banking-in-germany-1024×714.jpg|753|1080|3138″,”link_type”:”lightbox”,”lightbox_animation”:””,”caption”:”Dijital Bankac\u0131l\u0131k ve Almanya”,”inner_caption”:false,”new_window”:false,”link”:”https:\/\/www.cigdemguven.com\/medias\/2023\/04\/cigdem-guven-digital-banking-in-germany.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\u015fterilerin bankac\u0131l\u0131k i\u015flemlerini geleneksel banka \u015fubelerine gitmeden, \u00e7evrimi\u00e7i olarak yapabildikleri bir bankac\u0131l\u0131k hizmetidir. Bu hizmet, son y\u0131llarda h\u0131zla pop\u00fcler hale gelmi\u015ftir \u00e7\u00fcnk\u00fc bir\u00e7ok avantaj\u0131 vard\u0131r.\\n\\n\u0130lk olarak, dijital bankac\u0131l\u0131k hizmetleri m\u00fc\u015fterilere daha h\u0131zl\u0131 ve kolay bir \u015fekilde bankac\u0131l\u0131k i\u015flemlerini yapma imk\u00e2n\u0131 verir. M\u00fc\u015fteriler, mobil uygulamalar veya internet siteleri arac\u0131l\u0131\u011f\u0131yla bankac\u0131l\u0131k i\u015flemlerini yaparak zaman ve \u00e7aba tasarrufu yapabilirler.\\n\\n\u0130kinci olarak, dijital bankac\u0131l\u0131k hizmetleri, m\u00fc\u015fterilerin finansal i\u015flemlerini takip etmelerine ve hesap hareketlerini izlemelerine olanak tan\u0131r. M\u00fc\u015fteriler, anl\u0131k olarak hesap bakiyelerini ve son i\u015flem hareketlerini g\u00f6r\u00fcnt\u00fcleyebilirler.\\n\\n\u00dc\u00e7\u00fcnc\u00fc olarak, dijital bankac\u0131l\u0131k hizmetleri genellikle geleneksel bankalardan daha d\u00fc\u015f\u00fck maliyetlidir. \u00c7\u00fcnk\u00fc dijital bankalar\u0131n i\u015fletme maliyetleri daha d\u00fc\u015f\u00fckt\u00fcr ve bu da m\u00fc\u015fterilere daha uygun fiyatl\u0131 hizmetler sunmalar\u0131na olanak tan\u0131r.\\n\\nTeknik veriler a\u00e7\u0131s\u0131ndan, dijital bankac\u0131l\u0131k hizmetleri b\u00fcy\u00fck veri analiti\u011fi, yapay zek\u00e2 ve bulut bili\u015fim teknolojileri gibi yenilik\u00e7i teknolojileri kullan\u0131r. Bu teknolojiler, m\u00fc\u015fterilerin finansal i\u015flemlerini daha g\u00fcvenli hale getirmek ve m\u00fc\u015fteri verilerinin g\u00fcvenli\u011fini sa\u011flamak i\u00e7in kullan\u0131l\u0131r.\\n\\nAyr\u0131ca, dijital bankac\u0131l\u0131k hizmetleri mobil cihazlar, ak\u0131ll\u0131 kartlar, NFC (Near Field Communication) teknolojisi gibi teknolojik cihazlarla entegre edilebilir. Bu da m\u00fc\u015fterilerin bankac\u0131l\u0131k i\u015flemlerini daha da kolayla\u015ft\u0131r\u0131r ve h\u0131zland\u0131r\u0131r.\\n\\nAlmanya’da dijital bankac\u0131l\u0131k lisans\u0131 alan bankalar aras\u0131nda \u015funlar bulunmaktad\u0131r:\\n\\n1. SolarisBank: Berlin merkezli SolarisBank, 2016 y\u0131l\u0131nda faaliyetlerine ba\u015flam\u0131\u015ft\u0131r. Banka, finansal hizmetlere API eri\u015fimi sa\u011flamakta ve di\u011fer fintech \u015firketlerine hizmet vermektedir.\\n2. O2 Banking: Alman telekom\u00fcnikasyon \u015firketi Telef\u00f3nica’n\u0131n bir i\u015ftiraki olan O2 Banking, 2017 y\u0131l\u0131nda faaliyetlerine ba\u015flam\u0131\u015ft\u0131r. Banka, Almanya’da m\u00fc\u015fterilerine dijital bankac\u0131l\u0131k hizmetleri sunmaktad\u0131r.\\n3. Penta: 2016 y\u0131l\u0131nda kurulan Penta, k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmelere y\u00f6nelik dijital bankac\u0131l\u0131k hizmetleri sunan bir bankad\u0131r. \u015eu anda Almanya’da hizmet vermektedir.\\n4. Kontist: Kontist, dijital bankac\u0131l\u0131k hizmetleri sunan bir ba\u015fka bankad\u0131r ve Almanya’da faaliyet g\u00f6stermektedir. \u015eirket, \u00f6zellikle serbest meslek sahipleri ve k\u00fc\u00e7\u00fck i\u015fletmeler i\u00e7in finansal hizmetler sunmaktad\u0131r.\\n\\nBu bankalar\u0131n yan\u0131 s\u0131ra, bir\u00e7ok geleneksel banka da dijital bankac\u0131l\u0131k hizmetleri sunmaktad\u0131r.\\n\\nAlmanya’da faaliyet g\u00f6steren baz\u0131 dijital bankalar \u015funlard\u0131r:\\n\\n1. N26: 2013 y\u0131l\u0131nda kurulan N26, Almanya’n\u0131n en b\u00fcy\u00fck dijital bankalar\u0131ndan biridir. M\u00fc\u015fterilerine mobil bankac\u0131l\u0131k hizmeti sunan N26, Avrupa’da 7 milyondan fazla kullan\u0131c\u0131s\u0131yla hizmet vermektedir.\\n2. Deutsche Bank Mobile: Deutsche Bank, 2016 y\u0131l\u0131nda mobil bankac\u0131l\u0131k hizmeti sunan bir dijital banka olan Deutsche Bank Mobile’\u0131 piyasaya s\u00fcrd\u00fc. Bu uygulama arac\u0131l\u0131\u011f\u0131yla m\u00fc\u015fteriler, banka hesaplar\u0131na ve kredi kartlar\u0131na eri\u015febilir, para transferleri yapabilir ve di\u011fer bankac\u0131l\u0131k i\u015flemlerini ger\u00e7ekle\u015ftirebilir.\\n3. Comdirect: 1994 y\u0131l\u0131nda kurulan Comdirect, Almanya’n\u0131n en eski dijital bankalar\u0131ndan biridir. M\u00fc\u015fterilerine \u00e7evrimi\u00e7i bankac\u0131l\u0131k ve yat\u0131r\u0131m hizmetleri sunan Comdirect, 2,5 milyondan fazla m\u00fc\u015fterisiyle faaliyet g\u00f6stermektedir.\\n4. Fidor Bank: Fidor Bank, 2009 y\u0131l\u0131nda kurulmu\u015f bir dijital bankad\u0131r. M\u00fc\u015fterilerine \u00e7evrimi\u00e7i bankac\u0131l\u0131k, \u00f6deme sistemleri ve di\u011fer finansal hizmetler sunan Fidor Bank, Almanya, \u0130ngiltere, Fransa ve G\u00fcney Afrika’da faaliyet g\u00f6stermektedir.\\n5. ING-DiBa: ING-DiBa, 1965 y\u0131l\u0131nda kurulan bir banka olmas\u0131na ra\u011fmen, son y\u0131llarda dijital bankac\u0131l\u0131k hizmetlerine de yat\u0131r\u0131m yapm\u0131\u015ft\u0131r. M\u00fc\u015fterilerine mobil bankac\u0131l\u0131k, \u00e7evrimi\u00e7i hesap a\u00e7ma ve di\u011fer finansal hizmetler sunan ING-DiBa, 9 milyondan fazla m\u00fc\u015fteriye hizmet vermektedir.\\n\\nDijital bankac\u0131l\u0131k Almanya’da h\u0131zla geli\u015fmektedir ve \u015fu anda Almanya’n\u0131n en b\u00fcy\u00fck bankalar\u0131 aras\u0131nda yer alan Commerzbank ve Deutsche Bank gibi geleneksel bankalar da dijital bankac\u0131l\u0131k alan\u0131nda faaliyet g\u00f6stermektedir. Ancak, dijital bankalar\u0131n Almanya’da pazar pay\u0131 hala k\u00fc\u00e7\u00fckt\u00fcr. \u00d6rne\u011fin, N26 gibi b\u00fcy\u00fck dijital bankalar\u0131n toplam m\u00fc\u015fteri say\u0131s\u0131, Almanya’da faaliyet g\u00f6steren t\u00fcm bankalar\u0131n m\u00fc\u015fteri say\u0131s\u0131n\u0131n \u00e7ok alt\u0131ndad\u0131r. 2020 y\u0131l\u0131nda Deutsche Bank taraf\u0131ndan yay\u0131nlanan bir rapora g\u00f6re, Almanya’da dijital bankalar\u0131n pazar pay\u0131 %6,5’tir.\\n\\n
\\n\\nDijital bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn Almanya’da h\u0131zla b\u00fcy\u00fcmesiyle birlikte, geleneksel bankalar da dijital bankac\u0131l\u0131k hizmetlerine yat\u0131r\u0131m yapmaktad\u0131r. 2020 y\u0131l\u0131nda, Almanya’da faaliyet g\u00f6steren Commerzbank ve Deutsche Bank gibi geleneksel bankalar\u0131n dijital bankac\u0131l\u0131k hizmetleri, toplam gelirlerinin %20’sinden fazlas\u0131n\u0131 olu\u015fturmu\u015ftur. Almanya’da dijital bankac\u0131l\u0131k hizmetleri sunan \u015firketlerin say\u0131s\u0131 son y\u0131llarda h\u0131zla artmaktad\u0131r.\\n\\nFintech, finansal teknoloji anlam\u0131na gelir ve Almanya’da da bir\u00e7ok Fintech \u015firketi bulunmaktad\u0131r. Fintech \u015firketleri genellikle bir\u00e7ok farkl\u0131 finansal \u00fcr\u00fcn ve hizmet sunarlar. 2020 y\u0131l\u0131 itibariyle, Almanya’da 1.500’den fazla Fintech \u015firketi bulundu\u011fu tahmin ediliyor. Almanya’da faaliyet g\u00f6steren Fintech \u015firketlerine \u00f6rnek olarak, N26, Fidor Bank, solarisBank ve Auxmoney gibi \u015firketler verilebilir.\\n\\nBir\u00e7ok Fintech \u015firketi de dijital bankac\u0131l\u0131k hizmetleri sunmaktad\u0131r. \u00d6rne\u011fin, Solarisbank, finansal kurulu\u015flara altyap\u0131 hizmetleri sunan bir Fintech \u015firketidir ve dijital bankac\u0131l\u0131k hizmetleri de sunmaktad\u0131r. Almanya’da dijital bankac\u0131l\u0131k hizmetleri sunan di\u011fer Fintech \u015firketleri aras\u0131nda N26, Fidor Bank, Monzo ve Revolut yer almaktad\u0131r.\\n\\nDeutsche Bank, dijital bankac\u0131l\u0131k konusunda geni\u015f bir hizmet yelpazesine sahiptir. M\u00fc\u015fterilerin finansal verilerini depolayarak otomatik bir \u015fekilde analiz eden Finansal Planlay\u0131c\u0131 uygulamas\u0131, m\u00fc\u015fterilere gelir ve giderleri hakk\u0131nda basit grafikler sunmaktad\u0131r. E-safe uygulamas\u0131 ise m\u00fc\u015fterilerin hesap \u00f6zetleri, menkul k\u0131ymetlerle ilgili belgeler, banka veya banka d\u0131\u015f\u0131 s\u00f6zle\u015fmeler, kimlik bilgileri, \u015fifreler ve ki\u015fisel belgeleri g\u00fcvenle depolayabilecekleri bir dijital uygulamad\u0131r. Deutsche Bank, bu uygulama ile belgelerin dijital olarak depolanmas\u0131na te\u015fvik ederek k\u00e2\u011f\u0131t kullan\u0131m\u0131n\u0131 azaltmay\u0131 hedeflemektedir. Bankan\u0131n web sitesinde yay\u0131nlad\u0131\u011f\u0131 istatistiklere g\u00f6re, Almanya’n\u0131n y\u0131ll\u0131k k\u00e2\u011f\u0131t t\u00fcketimi, d\u00fcnya ile ay aras\u0131ndaki mesafeye ve 1.000 a\u011faca e\u015fde\u011ferdir. InfoServices uygulamas\u0131 ise m\u00fc\u015fterileri bilgilendirmek i\u00e7in ki\u015fiselle\u015ftirilmi\u015f bir bildirim servisi sunmaktad\u0131r. Bu \u00fccretsiz hizmet, m\u00fc\u015fterilerin bekledikleri \u00f6demeler hakk\u0131nda bildirim almalar\u0131na olanak tan\u0131r. Smart\u00dcberweisung uygulamas\u0131 ise m\u00fc\u015fterilerin pdf format\u0131nda g\u00f6nderilen fatura veya fi\u015fleri kolayca sisteme aktarmalar\u0131n\u0131 sa\u011flar.\\n\\nAlmanya’da dijital bankac\u0131l\u0131k hizmetlerine olan talep her y\u0131l artmaktad\u0131r. Almanya’da yap\u0131lan bir ara\u015ft\u0131rmaya g\u00f6re, dijital bankac\u0131l\u0131k hizmetlerine olan talep son birka\u00e7 y\u0131lda h\u0131zla artm\u0131\u015ft\u0131r ve Almanya’da dijital bankac\u0131l\u0131k hizmetlerini kullananlar\u0131n say\u0131s\u0131 2020 y\u0131l\u0131nda 15 milyonu a\u015fm\u0131\u015ft\u0131r.\\n\\nAlmanya’da dijital bankac\u0131l\u0131k hizmetleri sunan \u015firketlerin m\u00fc\u015fterileri genellikle gen\u00e7 n\u00fcfustan olu\u015fmaktad\u0131r ve bu m\u00fc\u015fterilerin \u00e7o\u011funlu\u011fu dijital teknolojileri kullanmaya al\u0131\u015fk\u0131nd\u0131r. Almanya’da dijital bankac\u0131l\u0131k hizmetlerine olan talebin artmas\u0131n\u0131n bir nedeni de, geleneksel bankalar\u0131n sunabilece\u011fi hizmetlerden daha uygun fiyatl\u0131 ve esnek hizmetler sunmas\u0131d\u0131r.\\n\\nAlmanya’da dijital bankac\u0131l\u0131k hizmetleri sunan \u015firketlerin b\u00fcy\u00fck bir k\u0131sm\u0131, m\u00fc\u015fterilerine mobil uygulama \u00fczerinden hizmet sunmaktad\u0131r. Bu uygulamalar, m\u00fc\u015fterilerin hesaplar\u0131na kolayca eri\u015fmelerine, para transferleri yapmalar\u0131na ve di\u011fer finansal i\u015flemleri ger\u00e7ekle\u015ftirmelerine olanak tan\u0131r.\\n\\nAlmanya’da dijital bankac\u0131l\u0131k hizmetleri sunan \u015firketlerin bir\u00e7o\u011fu, m\u00fc\u015fterilerine h\u0131zl\u0131 ve kolay hesap a\u00e7ma imk\u00e2n\u0131 sunar. Hesap a\u00e7ma i\u015flemleri, mobil uygulama \u00fczerinden veya internet sitesi arac\u0131l\u0131\u011f\u0131yla yap\u0131labilmektedir. Ayr\u0131ca, bir\u00e7ok dijital banka m\u00fc\u015fterilerine \u00fccretsiz kredi kart\u0131 sunmaktad\u0131r.\\n\\nAlmanya’da dijital bankac\u0131l\u0131k hizmetleri sunan \u015firketlerin bir\u00e7o\u011fu, m\u00fc\u015fterilerine y\u00fcksek faiz oranlar\u0131 sunmaktad\u0131r. Bu hizmetler, geleneksel bankalardan daha y\u00fcksek faiz oranlar\u0131 sunarak m\u00fc\u015fterilerine tasarruf etme imk\u00e2n\u0131 sa\u011flar.\\n\\nSonu\u00e7 olarak, Almanya’da dijital bankac\u0131l\u0131k sekt\u00f6r\u00fc h\u0131zla b\u00fcy\u00fcmekte ve bir\u00e7ok Fintech \u015firketi de dijital bankac\u0131l\u0131k hizmetleri sunmaktad\u0131r. Dijital bankac\u0131l\u0131k hizmetlerine olan talep her y\u0131l artmaktad\u0131r ve geleneksel bankalardan daha uygun fiyatl\u0131 ve esnek hizmetler sunmaktad\u0131r. Bu nedenle, Almanya’daki dijital bankac\u0131l\u0131k sekt\u00f6r\u00fc gelecekte daha da b\u00fcy\u00fcyecektir.”}]},{“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”:””,”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\/2023\/04\/cigdem-guven-digital-banking-in-germany-1024×714.jpg|753|1080|3138″,”excerpt”:”Dijital bankac\u0131l\u0131k, m\u00fc\u015fterilerin bankac\u0131l\u0131k i\u015flemlerini geleneksel banka \u015fubelerine gitmeden, \u00e7evrimi\u00e7i olarak yapabildikleri bir bankac\u0131l\u0131k hizmetidir. Bu hizmet, son y\u0131llarda h\u0131zla pop\u00fcler hale gelmi\u015ftir \u00e7\u00fcnk\u00fc bir\u00e7ok avantaj\u0131 vard\u0131r.”,”extra_1″:”Yaz\u0131”,”extra_2″:””,”icon”:{“icon”:””,”icon_style”:””,”icon_image”:””}}}}<\/p>\n","protected":false},"excerpt":{"rendered":"
Dijital bankac\u0131l\u0131k, m\u00fc\u015fterilerin bankac\u0131l\u0131k i\u015flemlerini geleneksel banka \u015fubelerine gitmeden, \u00e7evrimi\u00e7i olarak yapabildikleri bir bankac\u0131l\u0131k hizmetidir. Bu hizmet, son y\u0131llarda h\u0131zla pop\u00fcler hale gelmi\u015ftir \u00e7\u00fcnk\u00fc bir\u00e7ok avantaj\u0131 vard\u0131r.<\/p>\n","protected":false},"author":1,"featured_media":3138,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,19],"tags":[],"class_list":["post-3137","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-yazilar"],"yoast_head":"\n
Dijital Bankac\u0131l\u0131k ve Almanya | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & 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-ve-almanya\/\" \/>\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 ve Almanya | \u00c7i\u011fdem G\u00fcven Management Consulting & Coaching & Mentoring Services\" \/>\n<meta property=\"og:description\" content=\"Dijital bankac\u0131l\u0131k, m\u00fc\u015fterilerin bankac\u0131l\u0131k i\u015flemlerini geleneksel banka \u015fubelerine gitmeden, \u00e7evrimi\u00e7i olarak yapabildikleri bir bankac\u0131l\u0131k hizmetidir. 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