{"id":6167,"date":"2021-09-30T17:23:00","date_gmt":"2021-09-30T14:23:00","guid":{"rendered":"https:\/\/www.niobehosting.com\/blog\/?p=6167"},"modified":"2021-11-18T13:12:47","modified_gmt":"2021-11-18T10:12:47","slug":"fintech","status":"publish","type":"post","link":"https:\/\/www.niobehosting.com\/blog\/fintech\/","title":{"rendered":"FinTech Nedir?"},"content":{"rendered":"\n<p>FinTech, finansal hizmet sunumlar\u0131nda, bilinen ve al\u0131\u015f\u0131ld\u0131k finansal y\u00f6ntemlerin kullan\u0131m\u0131n\u0131n d\u0131\u015f\u0131na \u00e7\u0131kabilmesi i\u00e7in olu\u015fturulan, sekt\u00f6re yenilik getiren bir teknolojidir. \u201c<strong>Finans Teknolojisi<\/strong>\u201d olarak da adland\u0131r\u0131lan FinTech, finansal alanlardaki faaliyetlerin iyile\u015ftirilmesini ama\u00e7lamaktad\u0131r. FinTech, t\u00fcm d\u00fcnyada h\u0131zla geli\u015fen, yeni bir finans end\u00fcstrisi olarak da g\u00f6sterilmektedir. B\u00fcnyelerinde bar\u0131nd\u0131rd\u0131klar\u0131 teknolojik g\u00fc\u00e7leri, gelenekselle\u015fmi\u015f finansal hizmet alanlar\u0131 ile rekabet etmek i\u00e7in kullanan <a href=\"https:\/\/tr.wikipedia.org\/wiki\/Finans_teknolojisi\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech<\/a>\u2019ler, d\u00fcnya genelindeki mevcut ve potansiyel m\u00fc\u015fterilerinin hayatlar\u0131n\u0131 kolayla\u015ft\u0131rmay\u0131 hedefliyor. FinTech tan\u0131m\u0131n\u0131n ilk \u00e7\u0131kt\u0131\u011f\u0131 zamanlarda, hali haz\u0131rda sunulan finans hizmetlerinin teknoloji ile bulu\u015fmu\u015f hali gibi g\u00f6r\u00fcnse de, FinTech\u2019ler g\u00fcn\u00fcm\u00fczde \u00f6ng\u00f6r\u00fclenin \u00e7ok \u00fczerinde bir etki yaratmaktad\u0131r. \u0130nternet ve teknoloji \u00fcr\u00fcnlerinin h\u0131zla yayg\u0131nla\u015fmas\u0131yla etki alanlar\u0131 giderek geni\u015fleyen FinTech\u2019ler, giri\u015fimleri i\u00e7in olduk\u00e7a y\u00fcksek oranlarda yat\u0131r\u0131mlarda al\u0131yor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FinTech Uygulamalar\u0131 Nelerdir?<\/h2>\n\n\n\n<p>FinTech kullan\u0131m\u0131 temel olarak, bilgisayarlar ve mobil cihazlarda, \u00f6zel olarak olu\u015fturulmu\u015f yaz\u0131l\u0131mlar\u0131n ve algoritmalar\u0131n yard\u0131m\u0131yla, finansal i\u015flemlerin ve s\u00fcre\u00e7lerin daha iyi y\u00f6netilmesini desteklemektedir. FinTech kullan\u0131m\u0131 ilk kez mevcut finansal sistemlerin g\u00fcn\u00fcm\u00fcz teknolojilerine uyarlanmas\u0131 ile ortaya konulmu\u015ftur. S\u00fcre\u00e7 i\u00e7erisinde d\u00f6n\u00fc\u015f\u00fcm ger\u00e7ekle\u015ftiren FinTech alanlar\u0131 ve uygulamalar\u0131, e\u011fitimler, bireysel bankac\u0131l\u0131k i\u015flemleri, yat\u0131r\u0131mlar\u0131n y\u00f6netilmesi gibi farkl\u0131 sekt\u00f6r ve end\u00fcstrilerle kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. T\u00fcm bunlar\u0131n d\u0131\u015f\u0131nda FinTech, kripto paralar\u0131n geli\u015ftirilmesinde de s\u0131kl\u0131kla kullan\u0131l\u0131yor. FinTech giri\u015fimcileri, finansal teknolojilerin daha h\u0131zl\u0131 ilerlemesine b\u00fcy\u00fck katk\u0131 sa\u011fl\u0131yor. FinTech ile yap\u0131lan i\u015flemler ise a\u015fa\u011f\u0131daki \u015fekilde s\u0131ralanabilir.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Mobil \u00f6deme teknolojilerinin kullan\u0131m\u0131.<\/li><li>Ki\u015filer aras\u0131 para transferlerinin uygulanmas\u0131.<\/li><li>Sohbet botlar\u0131 \u00fczerinden ger\u00e7ekle\u015fen m\u00fc\u015fteri temsilcili\u011fi.<\/li><li>Temass\u0131z \u00f6deme se\u00e7enekleri.<\/li><li>Parmak izleri, y\u00fcz tarama gibi artt\u0131r\u0131lan g\u00fcvenlik \u00f6zellikleri.<\/li><li>Yapay zeka destekleri ile portf\u00f6ylerin y\u00f6netilmesi.<\/li><li>Kripto paralar ve BlockChain olu\u015fturulmas\u0131.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthec-ekosistemi.png\" alt=\"\" class=\"wp-image-6168\" width=\"841\" height=\"560\" srcset=\"https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthec-ekosistemi.png 512w, https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthec-ekosistemi-300x200.png 300w, https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthec-ekosistemi-100x67.png 100w\" sizes=\"auto, (max-width: 841px) 100vw, 841px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">FinTech EkoSistemi<\/h2>\n\n\n\n<p>FinTech, hangi sekt\u00f6rde yer al\u0131rsa als\u0131n, \u015firketlerin ve kurumlar\u0131n finansal hizmetlerini bir \u00fcst seviyeye ta\u015f\u0131mak i\u00e7in olu\u015fturulan teknolojik yap\u0131lanmay\u0131 ifade etmektedir. FinTech ile t\u00fcm finansal i\u015flemler, kullan\u0131c\u0131 dostu haline getiriliyor. \u0130\u015fletmelerin, m\u00fc\u015fterilerinin finansal i\u015flem eri\u015fimlerini kolayla\u015ft\u0131ran FinTech ekosistemi, mobil uygulamalar\u0131n kullan\u0131m art\u0131\u015flar\u0131 ile geni\u015flemektedir. FinTech \u0130stanbul, Deloitte ve <strong>BKM<\/strong> (<strong>B<\/strong>ankalararas\u0131 <strong>K<\/strong>art <strong>M<\/strong>erkezleri) i\u015fbirlikleri ile ger\u00e7ekle\u015ftirilen ara\u015ft\u0131rman\u0131n sonu\u00e7lar\u0131na g\u00f6re, FinTech ekosistemi her ge\u00e7en y\u0131l h\u0131zla b\u00fcy\u00fcmeye devam ediyor. \u00dclkemizde, 2012 y\u0131l\u0131nda 4 milyon dolar\u0131 bulan FinTech yat\u0131r\u0131mlar\u0131, 2016 y\u0131l\u0131na gelindi\u011finde 29 milyon dolar\u0131 bulmaktad\u0131r. \u0130zlenen <strong>d\u00f6rt y\u0131ll\u0131k periyotta FinTech yat\u0131r\u0131mlar\u0131n\u0131n %175\u2019e yak\u0131n oranda b\u00fcy\u00fcme g\u00f6sterdi\u011fi<\/strong> g\u00f6r\u00fclmektedir. Giri\u015fim sermayelerinin ve Melek Yat\u0131r\u0131mc\u0131lar\u0131n izlenen d\u00f6rt y\u0131ll\u0131k s\u00fcre\u00e7te 53 milyon dolara yak\u0131n yat\u0131r\u0131m ger\u00e7ekle\u015ftirdi\u011fi bilinmektedir. T\u00fcrkiye\u2019nin FinTech ekosistemi 200\u2019den fazla i\u015fletmeyi kapsad\u0131\u011f\u0131 tahmin ediliyor. <strong>Mevcut i\u015fletmelerin de her y\u0131l minimum %14 oran\u0131nda b\u00fcy\u00fcme g\u00f6sterdi\u011fi <\/strong>g\u00f6r\u00fclmektedir. \u00dclkemizde k\u0131smen yeni olan bu teknolojiler, beklentinin alt\u0131nda b\u00fcy\u00fckl\u00fc\u011fe sahip olsa da, FinTech i\u00e7in \u00fclkemizdeki potansiyeli de ortaya koymaktad\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthech-sirketleri-ne-yapar.png\" alt=\"\" class=\"wp-image-6169\" width=\"821\" height=\"547\" srcset=\"https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthech-sirketleri-ne-yapar.png 512w, https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthech-sirketleri-ne-yapar-300x200.png 300w, https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/finthech-sirketleri-ne-yapar-100x67.png 100w\" sizes=\"auto, (max-width: 821px) 100vw, 821px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">FinTech \u015eirketleri Ne Yapar?<\/h2>\n\n\n\n<p>2000\u2019li y\u0131llar\u0131n ba\u015f\u0131ndan itibaren her alanda giderek geni\u015fleyen dijitalle\u015fme s\u00fcrecinde, finans alanlar\u0131ndaki teknolojilerin geli\u015fmesine katk\u0131 sa\u011flayan \u015firketlere \u201c<strong>FinTech \u015eirketleri<\/strong>\u201d ad\u0131 verilmektedir. Yapay zeka ve bulut teknolojilerinin, buna ba\u011fl\u0131 olarak temass\u0131z i\u015flemlerin de artmas\u0131 ile birlikte FinTech \u015firketlerinin yetenek alanlar\u0131 da geni\u015flemektedir. FinTech \u015firketlerinin faaliyet alanlar\u0131 i\u00e7erisinde, dijital bankac\u0131l\u0131kla ilgili i\u015flemler, a\u00e7\u0131k bankac\u0131l\u0131kla y\u00f6netilen i\u015flemler, \u00f6deme sistemlerinin bir\u00e7o\u011fu, tahsilat y\u00f6netim sistemi, fonlama sistemleri, yat\u0131r\u0131msal teknolojiler gelmektedir. Dijitalle\u015fmenin her ge\u00e7en g\u00fcn yeni bir alana yans\u0131mas\u0131 ile birlikte, FinTech \u015firketlerinin faaliyet alanlar\u0131 da geli\u015fmeye devam etmektedir. Farkl\u0131 sekt\u00f6r ve end\u00fcstrilere e\u015f zamanl\u0131 olarak hizmet verebilen FinTech \u015firketleri i\u00e7in \u201c<strong>BigTech<\/strong>\u201d kavram\u0131 da kullan\u0131lmaktad\u0131r. 2000\u2019li y\u0131llar\u0131n ortalar\u0131nda Start-Up olarak ba\u015flayan FinTech \u015firketleri, g\u00fcn\u00fcm\u00fczde milyar dolarl\u0131k hacimlere ula\u015fmaktad\u0131r. Mevcut FinTech \u015firketleri alanlar\u0131nda b\u00fcy\u00fck i\u015fletmelere d\u00f6n\u00fc\u015f\u00fcrken, finansal hizmetlere dijital \u00e7\u00f6z\u00fcmlerin getirilmesi i\u00e7in \u00e7al\u0131\u015fan yeni FinTech startuplar\u0131 da \u00e7o\u011falmaya ba\u015flamaktad\u0131r. FinTech \u015firketlerinin ba\u015far\u0131s\u0131 g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, bu alana yap\u0131lan yat\u0131r\u0131mlar da her ge\u00e7en g\u00fcn art\u0131yor. Ba\u015far\u0131l\u0131 FinTech \u015firketlerinin sat\u0131n al\u0131nmas\u0131 ya da ortakl\u0131k kurulmas\u0131 ile FinTech ekosistemi de b\u00fcy\u00fcmeye devam etmektedir. KPMG verilerine g\u00f6re d\u00fcnya genelinde en ba\u015far\u0131l\u0131 FinTech \u015firketleri ise a\u015fa\u011f\u0131daki gibidir.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Ant Financial \u201c\u00c7in\u201d<\/li><li>Grab \u201cSingapur\u201d<\/li><li>JD Digits \u201c\u00c7in\u201d<\/li><li>GoJek \u201cEndonezya\u201d<\/li><li>Paytm \u201cHindistan\u201d<\/li><li>Du Xiaoman Financial \u201c\u00c7in\u201d<\/li><li>Compass \u201cABD\u201d<\/li><li>OakNorth \u201c\u0130ngiltere\u201d<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">T\u00fcrkiye\u2019deki Ba\u015far\u0131l\u0131 FinTech Uygulamalar\u0131<\/h2>\n\n\n\n<p>\u00dclkemizde de olduk\u00e7a etkili ve ba\u015far\u0131l\u0131 FinTech uygulamalar\u0131 vard\u0131r. Baz\u0131lar\u0131 yurtd\u0131\u015f\u0131nda da global \u00f6l\u00e7ekte i\u015flem yapar hale gelen bu uygulamalar da a\u015fa\u011f\u0131da belirtilmi\u015ftir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Payguru<\/h3>\n\n\n\n<p>Etkili bir mobil \u00f6deme platformu olarak kar\u015f\u0131m\u0131za \u00e7\u0131kan <a href=\"https:\/\/payguru.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Payguru<\/a>, anla\u015fmal\u0131 i\u015fyerlerine ait \u00f6demelerinizi fatural\u0131 cep telefonu hatt\u0131n\u0131z \u00fczerinden ya da faturas\u0131z hat ise bakiyenizden d\u00fc\u015ferek yapabilirsiniz. Etkili, g\u00fcvenilir ve h\u0131zl\u0131 bir \u00f6deme y\u00f6ntemi olan bu uygulama ile kullan\u0131c\u0131lara olduk\u00e7a rahatl\u0131k vadediyor. Payguru, T\u00fcrkiye&#8217;deki 3 GSM \u015febekesi ile uyumlu ve anla\u015fmal\u0131d\u0131r. Yurtd\u0131\u015f\u0131nda da 12 \u00fclke ve 27 farkl\u0131 operat\u00f6r ile anla\u015fmal\u0131 hale gelen ve gitgide b\u00fcy\u00fcyen bir uygulamad\u0131r.<\/p>\n\n\n\n<p>Bu sistem kredi kart\u0131 veya nakit ihtiyac\u0131 olmaks\u0131z\u0131n yemek, akaryak\u0131t, aidat \u00f6demesi ve uygulamalara ait \u00f6demeleri kolayca yapma imkan\u0131 sunuyor.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130yzico<\/h3>\n\n\n\n<p>E-ticaret, pazaryerleri ve bireysel kullan\u0131c\u0131lara online ve g\u00fcvenilir \u00f6deme imkan\u0131 sa\u011flayan \u00f6nemli bir platformdur. 2013 y\u0131l\u0131nda kurulmu\u015f bu firma 2019 y\u0131l\u0131nda 165 milyon dolara PayU firmas\u0131 taraf\u0131ndan sat\u0131n al\u0131nm\u0131\u015ft\u0131r. Kolay \u00f6deme, kolay iade, korumal\u0131 ve g\u00fcvenli al\u0131\u015fveri\u015f imkan\u0131 sunan \u0130yzico, g\u00fcn\u00fcm\u00fczde yapay zeka tabanl\u0131 \u00f6deme sistemlerinin geli\u015ftirmek \u00fczere \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 beyan ediyor.<\/p>\n\n\n\n<p>32 binden fazla i\u015fyeri ve 10 bin kadar da bireysel m\u00fc\u015fterisi ve pazaryerlerinde 200 bin \u00fczerinde kullan\u0131c\u0131s\u0131 oldu\u011fu ifade ediliyor.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Para\u015f\u00fct<\/h3>\n\n\n\n<p>KOB\u0130&#8217;ler i\u00e7in tasarlanan web tabanl\u0131, gayet basit ve iyi \u00e7al\u0131\u015fan bir \u00f6n muhasebe uygulamas\u0131 olan Para\u015f\u00fct, banka hesaplar\u0131n\u0131zla koordinasyon sa\u011flayabilece\u011finiz etkili bir finans uygulamas\u0131 haline gelebiliyor. Gelir gider faturas\u0131 olu\u015fturma, fatura takibi, e-ar\u015fiv, e-fatura, maa\u015f takibi, cari hesap takibi gibi \u00f6nemli i\u015flemleri kolay bir \u015fekilde, tek bir \u015fifre ve herhangi bir bilgisayar ile mekandan ba\u011f\u0131ms\u0131z olarak web \u00fczerinden yapman\u0131za imkan sa\u011fl\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00d6deal \u0130\u015fyerim<\/h3>\n\n\n\n<p>\u00d6deal \u0130\u015fyerim, 2014 y\u0131l\u0131nda kurulmu\u015f ba\u015far\u0131l\u0131 FinTech uygulamalar\u0131ndan biridir. Kendi markas\u0131yla verdi\u011fi mobil POS uygulamas\u0131, yazarkasa POS, POS cihaz\u0131 gibi \u00f6deme alma y\u00f6ntemleri banka ve kredi kart\u0131 i\u015flemleri i\u00e7in kullanma imkan\u0131 sunuyor. Bu y\u00f6ntem ile bankalardan ba\u011f\u0131ms\u0131z kredi kart\u0131 ile \u00f6deme alma imkan\u0131 sunan bu hizmet, bankalar\u0131n uygulad\u0131\u011f\u0131 kullan\u0131m zorunlulu\u011fu, verimsizlik cezas\u0131, minimum ciro \u015fart\u0131 gibi zorlamalar i\u00e7ermiyor. Sadece i\u015flem komisyonu alan bu sistem ile bir i\u015f g\u00fcn\u00fc sonra paran\u0131z\u0131 hesab\u0131n\u0131za alabiliyorsunuz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FinTech\u2019lerin M\u00fc\u015fterilerine Katk\u0131s\u0131<\/h2>\n\n\n\n<p>G\u00fcn\u00fcm\u00fcz teknoloji d\u00fcnyas\u0131nda, m\u00fc\u015fterilerin finansal hizmet veren kurum ve kurulu\u015flardan beklentileri de de\u011fi\u015fmektedir. Bu beklentilerin aras\u0131nda, \u00fccretsiz para transferleri, h\u0131zl\u0131 \u015fekilde sonu\u00e7lanan kredi onaylar\u0131, kesintisiz dijital i\u015flemler gelmektedir. M\u00fc\u015fteriler, dijitalle\u015fen d\u00fcnyada ya\u015fanan yeniliklerin, finansal alanlarda da sunulmas\u0131n\u0131 talep etmektedir. FinTech \u015firketleri de, mevcut ve potansiyel m\u00fc\u015fterilerin hayatlar\u0131na de\u011fer katmak ve finansal i\u015flemlerini kolayla\u015ft\u0131rmak i\u00e7in \u00e7al\u0131\u015fmaktad\u0131r. FinTech \u015firketleri hen\u00fcz d\u00fcnyay\u0131 de\u011fi\u015ftirmi\u015f olmasalar bile baz\u0131 alanlarda m\u00fc\u015fterilerinin ya\u015famlar\u0131na de\u011fer katmaktad\u0131r. FinTech\u2019lerin kullan\u0131c\u0131lar\u0131na sunduklar\u0131 katk\u0131lar ise a\u015fa\u011f\u0131daki gibidir.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Pratik Kullan\u0131m:<\/strong> FinTech\u2019ler sunduklar\u0131 \u00e7\u00f6z\u00fcmleri dijital ortamlara da ta\u015f\u0131maktad\u0131r. FinTech\u2019ler bu \u015fekilde kullan\u0131c\u0131lar\u0131n\u0131n hayatlar\u0131na kolayl\u0131k ve h\u0131z kazand\u0131r\u0131r.<\/li><li><strong>Fiyat Avantajlar\u0131:<\/strong> Bir FinTech kurulu\u015funun, \u015fube a\u011flar\u0131 gibi fiziksel olu\u015fum yap\u0131lar\u0131 i\u00e7in b\u00fct\u00e7e ay\u0131rmas\u0131na gerek yoktur. Sermaye b\u00fct\u00e7esini d\u00fc\u015f\u00fcren FinTech ler, gelenekselle\u015fmi\u015f finansal hizmet sunumlar\u0131na g\u00f6re \u00e7ok daha avantajl\u0131 fiyatlara sahiptir.<\/li><li><strong>Hizmetlerin \u00c7e\u015fitlili\u011fi:<\/strong> Mevcut m\u00fc\u015fterileri i\u00e7in lokasyonlar\u0131ndan ba\u011f\u0131ms\u0131z hizmetler sunabilen FinTech\u2019ler, al\u0131\u015f\u0131ld\u0131k finansal hizmetlere g\u00f6re \u00e7ok daha fazla \u00e7e\u015fitlili\u011fi b\u00fcnyelerinde bar\u0131nd\u0131r\u0131r.<\/li><li><strong>Ki\u015fiselle\u015ftirilmi\u015f Deneyimler:<\/strong> FinTech\u2019lerin sahip olduklar\u0131 teknolojik yap\u0131lar, potansiyel m\u00fc\u015fterileri hakk\u0131nda farkl\u0131 kanallardan, daha \u00e7ok bilgiye ula\u015fmas\u0131n\u0131 sa\u011flamaktad\u0131r.&nbsp; Bu \u015fekilde mevcut ve potansiyel m\u00fc\u015fterilerinin beklentilerini analiz ederek, kullan\u0131c\u0131lar\u0131n\u0131n ki\u015fiselle\u015ftirilmi\u015f hizmet deneyimi ya\u015famalar\u0131n\u0131 m\u00fcmk\u00fcn k\u0131lar.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/fintechin-finasa-yansimalari.png\" alt=\"\" class=\"wp-image-6170\" width=\"836\" height=\"557\" srcset=\"https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/fintechin-finasa-yansimalari.png 512w, https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/fintechin-finasa-yansimalari-300x200.png 300w, https:\/\/www.niobehosting.com\/blog\/wp-content\/uploads\/fintechin-finasa-yansimalari-100x67.png 100w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">FinTech\u2019in&nbsp; Finans Sekt\u00f6r\u00fcne Yans\u0131malar\u0131<\/h2>\n\n\n\n<p>FinTech alanlar\u0131 ve uygulamalar\u0131 finans sekt\u00f6r\u00fcn\u00fc yeniden \u015fekillendiriyor. FinTech \u015firketlerinin bankalarla rekabet i\u00e7erisinde oldu\u011fu varsay\u0131l\u0131yor. Ancak finans sekt\u00f6r\u00fcn\u00fcn geli\u015fimi i\u00e7in baz\u0131 bankalar\u0131n FinTech \u015firketlerine \u00f6nemli yat\u0131r\u0131mlar yapt\u0131\u011f\u0131 durumlar da yok de\u011fil.&nbsp; Yap\u0131lan ara\u015ft\u0131rmalar, ABD bankalar\u0131n\u0131n ge\u00e7ti\u011fimiz y\u0131llarda 50\u2019nin \u00fczerinde FinTech giri\u015fimine 4 Milyar Dolara yak\u0131n yat\u0131r\u0131m yapt\u0131\u011f\u0131n\u0131 do\u011fruluyor. Dijital d\u00f6n\u00fc\u015f\u00fcm\u00fcn hayat\u0131m\u0131zda yaratt\u0131\u011f\u0131 de\u011fi\u015fimler gibi FinTech\u2019ler de m\u00fc\u015fterilerinin finansal durumlar\u0131n\u0131 y\u00f6netme bi\u00e7imlerini de\u011fi\u015ftiriyor. FinTech uygulamalar\u0131n\u0131n ve \u015firketlerinin finans sekt\u00f6r\u00fcne yans\u0131malar\u0131 ise a\u015fa\u011f\u0131daki \u015fekilde s\u0131ralanabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ak\u0131ll\u0131 \u00c7ip Teknolojilerinin Kullan\u0131m\u0131<\/h3>\n\n\n\n<p>Ak\u0131ll\u0131 \u00e7ip ile tasarlanan ATM banka kartlar\u0131, \u00e7ip i\u00e7erisine yerle\u015ftirilmi\u015f olan <strong>EMV<\/strong> (<strong>E<\/strong>uropay <strong>M<\/strong>astercard <strong>V<\/strong>isa) teknolojileri ile mali kay\u0131plar\u0131n \u00f6n\u00fcne ge\u00e7iyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Biyometrik Sens\u00f6r Kullan\u0131m\u0131<\/h3>\n\n\n\n<p>FinTech\u2019lerin finans sekt\u00f6r\u00fcndeki en b\u00fcy\u00fck yeniliklerinden biri de biyometrik sens\u00f6rler oluyor. ATM i\u015flemlerinde banka kart\u0131ndan ba\u011f\u0131ms\u0131z i\u015flem yapmay\u0131 sa\u011flayan biyometrik sens\u00f6rler, g\u00f6z tarama sistemleri ile m\u00fc\u015fterilerin hayat\u0131n\u0131 kolayla\u015ft\u0131r\u0131yor ve daha g\u00fcvenli kullan\u0131m alan\u0131 sa\u011fl\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u015eubesiz Bankac\u0131l\u0131k Hizmetleri<\/h3>\n\n\n\n<p>FinTech \u015firketleri, m\u00fc\u015fterilerinin \u015fubeye giderek ger\u00e7ekle\u015ftirdi\u011fi t\u00fcm i\u015flemleri, \u00e7evrimi\u00e7i ve mobil uygulamalar arac\u0131l\u0131\u011f\u0131yla yapabilmesini sa\u011fl\u0131yor. Bu durum fiziki \u015fube kullan\u0131mlar\u0131n\u0131 azaltarak, m\u00fc\u015fterilerin hayat\u0131na yeni bir kolayl\u0131k getiriyor. Yap\u0131lan ara\u015ft\u0131rmalar, FinTech \u015firketlerinin yayg\u0131nla\u015fmas\u0131 ile birlikte 2016 y\u0131l\u0131nda AB\u2019de (Avrupa Birli\u011fi) 9000\u2019in \u00fczerinde banka \u015fubesinin kapat\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00fc\u015fteri Hizmetleri Otomatik Robotlar\u0131<\/h3>\n\n\n\n<p>FinTech \u015firketlerinin finans sekt\u00f6r\u00fcne getirdi\u011fi yeniliklerden biri de m\u00fc\u015fteri hizmetleri i\u00e7in olu\u015fturulan otomatik sohbet robotlar\u0131. Makine \u00f6\u011frenimi ile geli\u015ftirilen sohbet robotlar\u0131, m\u00fc\u015fterilerin taleplerini h\u0131zl\u0131 bir \u015fekilde \u00e7\u00f6zmeyi hedefliyor. M\u00fc\u015fteri sorgular\u0131n\u0131n y\u00f6netilmesi, ilgili departmanlara y\u00f6nlendirme yap\u0131lmas\u0131, otomatik sohbet robotlar\u0131 ile y\u00fcr\u00fct\u00fclen i\u015flemler aras\u0131nda yer al\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">E-C\u00fczdan Kullan\u0131mlar\u0131<\/h3>\n\n\n\n<p>E-C\u00fczdan kullan\u0131m\u0131n\u0131n yayg\u0131nla\u015fmas\u0131, FinTech \u015firketlerinin somut ba\u015far\u0131lar\u0131 aras\u0131nda g\u00f6steriliyor. D\u00fcnya genelinde en \u00e7ok tercih edilen E-C\u00fczdan \u015firketleri ise PayPal, Samsung Pay ve Apple Pay olarak belirtiliyor. E-C\u00fczdanlar, hizmet faturalar\u0131n\u0131n \u00f6denmesi, yurt i\u00e7i ve yurt d\u0131\u015f\u0131 havale i\u015flemleri, rezervasyon biletleri gibi pek \u00e7ok alanda kullan\u0131l\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mobil Bankac\u0131l\u0131k \u0130\u015flemleri<\/h3>\n\n\n\n<p>Mobil cihaz kullan\u0131mlar\u0131n\u0131n art\u0131\u015f\u0131, FinTech bankac\u0131l\u0131k hizmetlerinin sunmu\u015f olduklar\u0131 mobil uygulamalar\u0131n geli\u015ftirilmesi konusunda zorluyor. G\u00fcn\u00fcm\u00fczde bir\u00e7ok bankan\u0131n kendi mobil uygulamas\u0131 bulunuyor. Bu uygulamalar parmak izi ya da g\u00f6z tarama sens\u00f6r\u00fc i\u00e7eren teknolojileri de kullan\u0131yor. FinTech yat\u0131r\u0131mlar\u0131 ile geli\u015fen mobil bankac\u0131l\u0131k hizmetleri, kullan\u0131c\u0131lar\u0131n fonlar\u0131na \u00e7ok daha h\u0131zl\u0131 ula\u015fmalar\u0131n\u0131, faturalar\u0131n\u0131 kolayca \u00f6demelerini, hesap bakiyelerini takip edebilmelerini ve bir\u00e7ok i\u015flevsel \u00f6zelli\u011fi bir arada sunuyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FinTech\u2019lerin Gelece\u011fi ve Kullan\u0131c\u0131lar\u0131 Neler Bekliyor?<\/h2>\n\n\n\n<p>Yapay zeka teknolojilerinin geli\u015fimi, FinTech\u2019lerin hizmetlerini geni\u015fletmeye devam ediyor. Gelecek g\u00fcnlerde FinTech\u2019lerin evrilme s\u00fcre\u00e7lerinde bu teknolojiler, yeni hizmetlerin olu\u015fturulmas\u0131n\u0131n m\u00fcmk\u00fcn olaca\u011f\u0131n\u0131 g\u00f6steriyor. Yapay zeka ve bulut teknolojileri ile FinTech \u015firketleri, m\u00fc\u015fterilerine \u00e7ok daha iyi hizmet verebilmek i\u00e7in farkl\u0131 y\u00f6ntemler deniyor. Yap\u0131lan ara\u015ft\u0131rmalar\u0131n \u00f6ng\u00f6r\u00fcs\u00fc, FinTech\u2019leri gelece\u011fi hakk\u0131nda fikir olu\u015fturuyor. FinTech sekt\u00f6r\u00fcn\u00fcn etkilenebilece\u011fi noktalar ise a\u015fa\u011f\u0131daki \u015fekilde belirtiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130sabetli Spesifik Kararlar<\/h3>\n\n\n\n<p>Yapay zeka sistemlerinin veri odakl\u0131 \u00e7al\u0131\u015fmalar\u0131, FinTech\u2019lerle \u00e7al\u0131\u015fmay\u0131 d\u00fc\u015f\u00fcnen m\u00fc\u015fterilere karar s\u00fcre\u00e7lerinde yard\u0131mc\u0131 olacakt\u0131r. M\u00fc\u015fteriler bu \u015fekilde daha isabetli ve spesifik kararlar verebilecekler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Chatbot Teknolojisinin Yayg\u0131nla\u015fmas\u0131<\/h3>\n\n\n\n<p>Yapay zeka teknolojilerinin g\u00fcn\u00fcm\u00fczde en i\u015flevsel kullan\u0131mlar\u0131ndan biri de Chatbot\u2019lar. FinTech\u2019lerin gelecek g\u00fcnlerde \u00e7ok daha fazla alanda Chatbot\u2019lardan yararlanaca\u011f\u0131 \u00f6ng\u00f6r\u00fclmektedir. FinTech\u2019ler bu \u015fekilde m\u00fc\u015fterilerine \u00e7ok daha h\u0131zl\u0131 \u00e7\u00f6z\u00fcmler \u00fcretebilecekler.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fraud \u00d6nleme<\/h3>\n\n\n\n<p>T\u00fcrk\u00e7e kar\u015f\u0131l\u0131\u011f\u0131 \u201c<strong>Sahtecilik<\/strong>\u201d olarak bilinen fraud i\u015flemlerinin daha h\u0131zl\u0131 ve kolay \u015fekilde tespit edilmesi, FinTech \u015firketlerinin kullanm\u0131\u015f olduklar\u0131 yapay zeka teknolojileri ile sa\u011flanacakt\u0131r. Kar\u015f\u0131la\u015f\u0131labilecek gelir kay\u0131plar\u0131n\u0131n \u00f6nlenmesi, \u0130yzico m\u00fchendislerinin geli\u015ftirmi\u015f olduklar\u0131 yapay zeka taban\u0131nda i\u015fleyen \u201c<strong>Frauctive<\/strong>\u201d gibi \u00fcr\u00fcnlerin kullan\u0131m\u0131 ile sa\u011flanacakt\u0131r.<\/p>\n\n\n\n<p>Fraud (sahtecilik) E-ticarette en s\u0131k kar\u015f\u0131la\u015f\u0131lan sorunlardan biridir. Bu sebeple bankalar bu sorunu \u00f6nlemek ad\u0131na baz\u0131 y\u00f6ntemler geli\u015ftirmi\u015ftir.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>3D Secure;<\/strong> internet \u00fczerinden al\u0131\u015fveri\u015f i\u015flemlerinde kullan\u0131c\u0131y\u0131 korumak i\u00e7in olu\u015fturulan en etkili y\u00f6ntemlerdendir.<\/li><li><strong>CVC Kodu; <\/strong>kredi kart\u0131 kopyalama i\u015flemi yap\u0131lsa bile CVC kodu denilen ve banka taraf\u0131ndan size verilen kart\u0131n arkas\u0131nda bulunan 3 haneli bir say\u0131d\u0131r. Kart bilginiz kopyalansa bile bu say\u0131y\u0131 bilmeyen internet \u00fczerinden i\u015flem yap\u0131lamaz.<\/li><li><strong>SSL kullan\u0131m\u0131;<\/strong> <strong>SSL <\/strong>(<strong>S<\/strong>ecure <strong>S<\/strong>ocket <strong>L<\/strong>ayer) internet \u00fczerinden yap\u0131lan kredi kart\u0131 ve bankac\u0131l\u0131k \u00f6deme i\u015flemleri s\u0131ras\u0131nda bilgiler, \u00f6zel olarak olu\u015fturulan \u015fifreli bir katman \u00fczerinden aktar\u0131l\u0131r, b\u00f6ylece sistemi takip eden ki\u015filer bilgilerinize ula\u015famazlar.<\/li><\/ul>\n\n\n\n<p>Bu ve bunun gibi daha bir\u00e7ok Fraud \u00f6nleme y\u00f6ntemleri var, doland\u0131r\u0131c\u0131l\u0131k amac\u0131 olan ki\u015filerin mevcut \u00f6nlemlerin arka kap\u0131s\u0131ndan sahtecilik yapabilece\u011fi yeni y\u00f6ntemler geli\u015ftirilmesi halinde de bankac\u0131l\u0131k sekt\u00f6r\u00fc taraf\u0131ndan yeni g\u00fcvenlik \u00f6nlemleri olu\u015fturulacakt\u0131r.<\/p>\n\n\n\n<p>G\u00fcn\u00fcm\u00fcze ula\u015fan veriler analiz edildi\u011finde, finans sekt\u00f6r\u00fcnde yak\u0131n gelecekte ya\u015fanacak de\u011fi\u015fimleri tahmin etmek m\u00fcmk\u00fcn olmaktad\u0131r. D\u00fcnya genelindeki internet ve mobil uygulama kullan\u0131m\u0131n\u0131n art\u0131\u015f\u0131, FinTech\u2019lerin \u00e7al\u0131\u015fma alanlar\u0131n\u0131 da geni\u015flemektedir. M\u00fc\u015fterilerinin \u00e7ok daha iyi hizmet almas\u0131 i\u00e7in \u00e7al\u0131\u015fan FinTech\u2019ler, gelecekte de sunduklar\u0131 hizmetler ile adlar\u0131ndan s\u00f6z ettirecekler.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-niobe-hosting wp-block-embed-niobe-hosting\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"liLWdkI1Re\"><a href=\"https:\/\/www.niobehosting.com\/blog\/sahis-sirketi-nedir-nasil-kurulur\/\">\u015eah\u0131s \u015eirketi Nedir? Nas\u0131l Kurulur?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"&#8220;\u015eah\u0131s \u015eirketi Nedir? Nas\u0131l Kurulur?&#8221; &#8212; Niobe Hosting\" src=\"https:\/\/www.niobehosting.com\/blog\/sahis-sirketi-nedir-nasil-kurulur\/embed\/#?secret=liLWdkI1Re\" data-secret=\"liLWdkI1Re\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>FinTech, finansal hizmet sunumlar\u0131nda, bilinen ve al\u0131\u015f\u0131ld\u0131k finansal y\u00f6ntemlerin kullan\u0131m\u0131n\u0131n d\u0131\u015f\u0131na \u00e7\u0131kabilmesi i\u00e7in olu\u015fturulan, sekt\u00f6re yenilik getiren bir teknolojidir. \u201cFinans Teknolojisi\u201d olarak da adland\u0131r\u0131lan FinTech,&#8230;<\/p>\n","protected":false},"author":16,"featured_media":6171,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,46],"tags":[],"class_list":["post-6167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-is","category-teknoloji"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FinTech Nedir? 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