Dijitalleşme süreci ve açık bankacılık
Küçük Resim Yok
Tarih
2022
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İstanbul Ticaret Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Teknolojinin her geçen gün hızla ilerlemesi ile birlikte finansal hizmetler sektörü içerisinde özellikle bankacılık sektörü bu gelişmeleri çok yakın takip etmiş, teknolojik altyapı ile imkânlardan en ileri seviyede faydalanarak sürekli gelişim ve dönüşüm sürecine girmiştir. Bu çalışmanın amacı bankacılık sektöründeki dijitalleşme sürecini ve teknolojik gelişmeler ile ortaya çıkan yapay zekâ, büyük veri, bulut bilişim, robo danışmanlar, nesnelerin interneti, blockchain gibi teknolojilerin bankacılık sektörüne etkilerini değerlendirmektir. Finansal hizmetler sektörü ile teknolojinin bir araya gelmesi sonucu ortaya çıkan fintech kavramı bankacılığı geleneksel yapının dışına çıkarmıştır. Açık bankacılık kavramının ortaya çıkmasıyla beraber müşteri verilerinin kontrolünün yine müşterilerin kendisine verilmesi sektörde rekabeti, dijitalleşmeyi ve şeffaflığı beraberinde getirmiştir. Çalışmada dijital teknolojilerin bankacılık sektörüne etkileri, fintech kavramı ve açık bankacılık konularına yer verilerek pandeminin bankacılık sektörünün dijitalleşmesine olan etkisi anlatılmıştır. Son bölümde ise dijitalleşme süreci ve açık bankacılık uygulamalarının bankacılık sektörünün geleceğine etkileri ile ilgili tespitler ve değerlendirmelere yer verilmiştir. Anahtar Kelimeler: Açık bankacılık, API, PSD2, FINTECH
With the rapid progress of technology day by day, especially the banking sector within the financial sector follows these developments very closely and has entered the process of continuous development and transformation by making use of the technological infrastructure and opportunities at the highest level. The aim of this study is to evaluate the digitalization process in the banking sector and the effects of technologies such as artificial intelligence, big data, cloud computing, robo-advisers, internet of things, blockchain, which have emerged with technological developments, on the banking sector. The concept of fintech, which came out as a result of the combination of the financial services sector and technology, has taken banking out of the traditional structure. With the emergence of the concept of open banking, giving the control of customer data to customers again came with competition, digitalization and transparency in the sector. In the study, an assessment on the impact of the pandemic on the digitalization of the banking sector and the future of banking was held by including the effects of digital technologies on the banking sector, fintech concept and open banking issues. In the last part, determinations and evaluations about the digitalization process and the effects of open banking applications on the future of the banking sector are given. Keywords: Open banking, API, PSD2, FINTECH
With the rapid progress of technology day by day, especially the banking sector within the financial sector follows these developments very closely and has entered the process of continuous development and transformation by making use of the technological infrastructure and opportunities at the highest level. The aim of this study is to evaluate the digitalization process in the banking sector and the effects of technologies such as artificial intelligence, big data, cloud computing, robo-advisers, internet of things, blockchain, which have emerged with technological developments, on the banking sector. The concept of fintech, which came out as a result of the combination of the financial services sector and technology, has taken banking out of the traditional structure. With the emergence of the concept of open banking, giving the control of customer data to customers again came with competition, digitalization and transparency in the sector. In the study, an assessment on the impact of the pandemic on the digitalization of the banking sector and the future of banking was held by including the effects of digital technologies on the banking sector, fintech concept and open banking issues. In the last part, determinations and evaluations about the digitalization process and the effects of open banking applications on the future of the banking sector are given. Keywords: Open banking, API, PSD2, FINTECH
Açıklama
Finans Enstitüsü, Finans Ana Bilim Dalı, Uluslararası Bankacılık ve Finans Bilim Dalı
Anahtar Kelimeler
Bankacılık, Banking
