Finansg\u00fcndem – Bankac\u0131lar i\u015fsiz kalmayacak!<\/p>\n
Bankac\u0131l\u0131k alan\u0131ndaki geli\u015fmelerin s\u0131k\u0131 takip\u00e7ilerinden Chris Skinner, bankac\u0131l\u0131\u011f\u0131n gelece\u011fine dair \u00f6nemli a\u00e7\u0131klamalarda bulundu<\/p>\n
\nD\u00fcnyan\u0131n en tan\u0131nm\u0131\u015f finansal teknoloji liderlerinden Chris Skinner T\u00fcrkiye’deydi. Dijital Bankac\u0131l\u0131k kitab\u0131n\u0131n yazar\u0131 T\u00fcrk bankalar\u0131n\u0131n d\u00fcnyan\u0131n pek \u00e7ok geli\u015fmi\u015f \u00fclke bankas\u0131ndan ileride oldu\u011funu s\u00f6yl\u00fcyor…<\/p>\n
Bankac\u0131l\u0131k alan\u0131ndaki geli\u015fmelerin belki de en s\u0131k\u0131 takip\u00e7ilerinden biri olan Chris Skinner, ge\u00e7en hafta T\u00fcrkiye’ye geldi ve bankac\u0131l\u0131kta dijitalle\u015fmenin arka plan\u0131n\u0131 resmeden kitab\u0131 Dijital Bankac\u0131l\u0131k’\u0131 tan\u0131tt\u0131. Kendi alan\u0131nda d\u00fcnyan\u0131n say\u0131l\u0131 profesyonelleri aras\u0131nda g\u00f6sterilen Skinner, bug\u00fcne kadar kredi krizinden, finansta sosyal medyan\u0131n etkisine kadar 10 kitap kaleme alm\u0131\u015f. Dijital Bankac\u0131l\u0131k bu kitaplar aras\u0131nda \u00f6zel bir yer tutuyor.\u00a0 Chris Skinner ile T\u00fcrkiye’deki dijital bankac\u0131l\u0131\u011f\u0131n geli\u015fimini konu\u015ftuk.<\/p>\n
Dijitalle\u015fme yolcu\u011funda T\u00fcrk bankalar\u0131n\u0131 olduk\u00e7a ba\u015far\u0131l\u0131 bulan Skinner, “Pek \u00e7ok yere gidiyorum ve finansta inovasyonun nas\u0131l ba\u015far\u0131laca\u011f\u0131na dair T\u00fcrkiye’den \u00f6rnekler veriyorum. T\u00fcrkiye’nin 2000’li y\u0131llarda bankac\u0131l\u0131kta yapt\u0131klar\u0131n\u0131 daha yeni uygulayan \u00fclkeler var. Amerika ve Avrupa’da bile durum b\u00f6yle…” diyor. T\u00fcrkiye’nin teknoloji ve geli\u015fmeleri yak\u0131ndan takip edip d\u00fcnyada ilk uygulayan \u00fclkelerden biri oldu\u011funu ve asl\u0131nda dijitalle\u015fmeye T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn pek \u00e7ok \u00fclkeden \u00f6nce ba\u015flad\u0131\u011f\u0131n\u0131 s\u00f6yleyen Skinner, “Facebook bankac\u0131l\u0131\u011f\u0131 T\u00fcrkiye’de internetin 10. nesli ba\u015flad\u0131 ancak Amerika’da kimi bankalar i\u00e7in bu hala sorun” diyor.<\/p>\n
D\u0130J\u0130TAL \u015eUBELE\u015eME \u015eART<\/strong><\/p>\n “Dijital bankac\u0131l\u0131kta at\u0131lmas\u0131 gereken en \u00f6nemli ad\u0131mlar neler?” diye sordu\u011fumuz Skinner, internetle b\u00fct\u00fcnle\u015fmi\u015f \u00e7ekirdek bir yap\u0131n\u0131n \u015fart oldu\u011funu ve Avrupa’da bile eski ve k\u00f6kl\u00fc geli\u015fmi\u015f bankalar\u0131 hala bu \u00e7ekirdek sofistike sistemi kurmakla me\u015fgul oldu\u011funu s\u00f6yl\u00fcyor.<\/p>\n “Veri d\u00fcnyan\u0131n yeni petrol\u00fc ve bankac\u0131l\u0131k verilerden ibaret. Internet yoluyla verinin dijital da\u011f\u0131t\u0131m\u0131 yine at\u0131lmas\u0131 gereken ikinci \u00f6nemli ad\u0131m. Pek \u00e7ok bankan\u0131n mantalitesi hala fiziksel \u00e7al\u0131\u015f\u0131yor; baz\u0131 T\u00fcrk bankalar da \u00f6yle…<\/p>\n \u015eubeleriniz olmas\u0131n demiyorum \u00e7\u00fcnk\u00fc geleneksel bankac\u0131l\u0131\u011f\u0131 talep eden ciddi bir m\u00fc\u015fteri kitlesi var hala. Fakat bir a\u011f altyap\u0131s\u0131yla dijitalle\u015fmenin en \u00f6nemli ad\u0131mlar\u0131ndan biri olan dijital \u015fubeleriniz olabilir” diyen Skinner’a 10 y\u0131l sonra dijital bankac\u0131l\u0131kta neler olacak diye de sorduk. Skinner, internetin alt\u0131nc\u0131 neslini ya\u015fad\u0131\u011f\u0131m\u0131z\u0131 ve d\u00fcnya kadar bankac\u0131l\u0131\u011f\u0131n da de\u011fi\u015fece\u011fini s\u00f6yl\u00fcyor. Skinner’a g\u00f6re, internetin 10 nesli var ve biz \u015fu an alt\u0131nc\u0131 nesli ya\u015f\u0131yoruz. “Internet of value” olarak adland\u0131raca\u011f\u0131m\u0131z alt\u0131nc\u0131 nesil ger\u00e7ek zamanl\u0131 olarak t\u00fcm d\u00fcnya \u00fczerinde de\u011fi\u015f toku\u015f yapaca\u011f\u0131m\u0131z her \u015feyin dijitalle\u015fmesine dayan\u0131yor; buna para da dahil. De\u011fer de art\u0131k dijitalle\u015fiyor ve finansal i\u015flemler tamamen dijitalle\u015fecek.<\/p>\n GELECE\u011e\u0130N BANKACILI\u011eI<\/strong><\/p>\n Peki gelecek de\u011fi\u015firken bankac\u0131l\u0131kta \u00e7al\u0131\u015fma \u015fekli bug\u00fcn oldu\u011fu gibi devam edecek mi? San\u0131lan\u0131n aksine 10 y\u0131l sonra banka \u00e7al\u0131\u015fanlar\u0131n\u0131n pek \u00e7o\u011funun i\u015fsiz kalmayaca\u011f\u0131n\u0131 belirten Skinner, “Elbette teknoloji baz\u0131 meslekleri eskitecek ama baz\u0131lar\u0131n\u0131 da yenileyecek.<\/p>\n Artan dijitalle\u015fme bankalar\u0131n karl\u0131l\u0131\u011f\u0131n\u0131 nas\u0131l etkileyecek? Bu dijitalle\u015fmeye ba\u011fl\u0131 olarak akla gelen en \u00f6nemli sorulardan biri. Banklar\u0131n karl\u0131l\u0131\u011f\u0131m azaltacak bir geli\u015fme olarak g\u00f6r\u00fclse de Skinner buna kat\u0131lm\u0131yor ve bankalar\u0131n aksine giderlerini azaltarak dijitalle\u015fmeyle karl\u0131l\u0131klar\u0131n\u0131 art\u0131raca\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Dijital \u015fubele\u015fmeyle gereksiz gider ve masraflar\u0131n\u0131 azaltacak olan bankalar, geleneksel y\u00f6ntemlerin yerine dijitalde daha yarat\u0131c\u0131 uygulamalar geli\u015ftirerek karl\u0131l\u0131klar\u0131n\u0131 art\u0131rabilir.<\/p>\n Chris Skinner kimdir?<\/strong><\/p>\n 2002’de gelece\u011fin bankac\u0131l\u0131\u011f\u0131, sat\u0131\u015f ve pazarlama stratejileri \u00fczerine dan\u0131\u015fmanl\u0131k verdi\u011fi Balatro ara\u015ft\u0131rma \u015firketini kurdu. Bug\u00fcn ayr\u0131ca 2004’te kurdu\u011fu “Financial Services Club” adl\u0131 forumun ba\u015fkanl\u0131\u011f\u0131n\u0131 yap\u0131yor. Finans ve teknoloji d\u00fcnyas\u0131n\u0131n birbirine yak\u0131n olmas\u0131 sonucu finansal teknolojinin k\u0131saltmas\u0131 olarak ortaya \u00e7\u0131kan fintech alan\u0131nda, Skinner, Wall Street Journal gazetesi taraf\u0131ndan d\u00fcnyadaki ilk 40 fintech liderinden, Deluxe taraf\u0131ndan ise fintech konusunda takip edilmesi gereken sekiz liderden biri olarak se\u00e7ildi. (EZG\u0130 G\u00dcLER\/PARA DERG\u0130S\u0130)<\/p>\n","protected":false},"excerpt":{"rendered":" Finansg\u00fcndem – Bankac\u0131lar i\u015fsiz kalmayacak! Bankac\u0131l\u0131k alan\u0131ndaki geli\u015fmelerin s\u0131k\u0131 takip\u00e7ilerinden Chris Skinner, bankac\u0131l\u0131\u011f\u0131n gelece\u011fine dair \u00f6nemli a\u00e7\u0131klamalarda bulundu<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"views":3453,"_links":{"self":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/643"}],"collection":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/comments?post=643"}],"version-history":[{"count":2,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/643\/revisions"}],"predecessor-version":[{"id":645,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/posts\/643\/revisions\/645"}],"wp:attachment":[{"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/media?parent=643"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/categories?post=643"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adalethazar.com\/index.php\/wp-json\/wp\/v2\/tags?post=643"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}