{"id":1766,"date":"2026-09-04T10:18:13","date_gmt":"2026-09-04T07:18:13","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=1766"},"modified":"2026-09-04T12:43:11","modified_gmt":"2026-09-04T09:43:11","slug":"kuresel-fintek-yatirimlari-dort-yilin-zirvesine-dogru-kosuyor","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/09\/04\/kuresel-fintek-yatirimlari-dort-yilin-zirvesine-dogru-kosuyor\/","title":{"rendered":"K\u00fcresel Fintek Yat\u0131r\u0131mlar\u0131 D\u00f6rt Y\u0131l\u0131n Zirvesine Do\u011fru Ko\u015fuyor"},"content":{"rendered":"

KPMG’nin Pulse of Fintech raporuna g\u00f6re, 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda k\u00fcresel fintek sekt\u00f6r\u00fcnde yat\u0131r\u0131mlar\u0131n toplam de\u011feri 103,1 milyar dolara y\u00fckseldi. Yat\u0131r\u0131mlar\u0131n bu seviyede devam etmesi h\u00e2linde, fintek pazar\u0131ndaki yat\u0131r\u0131mlar\u0131n y\u0131l sonuna kadar son d\u00f6rt y\u0131l\u0131n en y\u00fcksek seviyesine ula\u015fmas\u0131 bekleniyor.<\/strong><\/h2>\n

KPMG’nin k\u00fcresel \u00e7apta finteklere yap\u0131lan yat\u0131r\u0131mlar\u0131 mercek alt\u0131na ald\u0131\u011f\u0131 Pulse of Fintech raporuna g\u00f6re 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda, piyasa alg\u0131s\u0131 iyile\u015fmeye devam etse de farkl\u0131 b\u00f6lgelerde s\u00fcren jeopolitik, ekonomik ve d\u00fczenleyici belirsizlikler yat\u0131r\u0131mc\u0131lar\u0131n temkinli davranmas\u0131na ve yat\u0131r\u0131mlar\u0131n b\u00fcy\u00fck \u00f6l\u00e7\u00fcde belirli alanlarda yo\u011funla\u015fmas\u0131na yol a\u00e7t\u0131. \u0130\u015flem say\u0131s\u0131ndaki zay\u0131flamaya kar\u015f\u0131n i\u015flem de\u011ferlerinin g\u00fc\u00e7l\u00fc seyretmesi, fintek yat\u0131r\u0131mc\u0131lar\u0131n\u0131n sermayelerini kan\u0131tlanm\u0131\u015f i\u015f modellerine sahip ve pazar lideri olarak g\u00f6r\u00fclen \u015firketlere y\u00f6neltmeye devam etti\u011fini g\u00f6sterdi.<\/p>\n

Bu d\u00f6nemde k\u00fcresel fintek sekt\u00f6r\u00fcnde toplam 2 bin 100 anla\u015fma<\/strong> yap\u0131ld\u0131 ve yat\u0131r\u0131mlar\u0131n toplam de\u011feri 103,1 milyar dolar<\/strong> oldu. B\u00f6ylece yat\u0131r\u0131m tutar\u0131 2025’in ikinci yar\u0131s\u0131ndaki 72,2 milyar dolar\u0131n belirgin \u015fekilde \u00fczerine \u00e7\u0131kt\u0131. Yat\u0131r\u0131mlar\u0131n bu seviyede devam etmesi h\u00e2linde, fintek pazar\u0131ndaki yat\u0131r\u0131mlar\u0131n y\u0131l sonuna kadar son d\u00f6rt y\u0131l\u0131n en y\u00fcksek seviyesine ula\u015fmas\u0131 bekleniyor. Buna kar\u015f\u0131l\u0131k anla\u015fma say\u0131s\u0131 ayn\u0131 d\u00f6nemdeki 2 bin 500 seviyesinden geriledi. Y\u0131l\u0131n ilk yar\u0131s\u0131ndaki en b\u00fcy\u00fck 10 i\u015flem tek ba\u015f\u0131na 64 milyar dolar ile toplam fintek yat\u0131r\u0131mlar\u0131n\u0131n y\u00fczde 62’sini olu\u015fturdu.<\/p>\n

Amerika k\u0131tas\u0131, 2026’n\u0131n ilk yar\u0131s\u0131nda 86,9 milyar dolar fintek yat\u0131r\u0131m\u0131 \u00e7ekti, bunun 80,8 milyar dolar\u0131 ABD’de ger\u00e7ekle\u015fti. Buna kar\u015f\u0131n EMEA b\u00f6lgesine yap\u0131lan fintek yat\u0131r\u0131mlar\u0131 2025’in ikinci yar\u0131s\u0131ndaki 18 milyar dolardan 11,3 milyar dolara geriledi. Asya Pasifik (ASPAC) b\u00f6lgesinde ise yat\u0131r\u0131m tutar\u0131 7,1 milyar dolardan 4,6 milyar dolara d\u00fc\u015ft\u00fc.<\/p>\n

Konuyla ilgili a\u00e7\u0131klamada bulunan KPMG T\u00fcrkiye Fintech ve Dijital Finans Lideri Sinem Cant\u00fcrk<\/strong>, \u201c2026’n\u0131n ilk yar\u0131s\u0131nda toplam fintek yat\u0131r\u0131m\u0131 103,1 milyar dolara y\u00fckselirken anla\u015fma say\u0131s\u0131n\u0131n 2.100’e gerilemesi, sermayenin kan\u0131tlanm\u0131\u015f i\u015f modellerine sahip \u015firketlerde yo\u011funla\u015ft\u0131\u011f\u0131n\u0131 g\u00f6steriyor. \u00d6deme sistemlerindeki mega i\u015flemler toplam yat\u0131r\u0131m de\u011ferini yukar\u0131 ta\u015f\u0131rken, dijital varl\u0131k altyap\u0131s\u0131 ve yapay zek\u00e2 b\u00fcy\u00fcmenin ana dikeyleri olmaya devam ediyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde stablecoin altyap\u0131s\u0131, yapay zek\u00e2 ajanlar\u0131 ve \u00f6deme sekt\u00f6r\u00fcndeki konsolidasyonun yat\u0131r\u0131mc\u0131 g\u00fcndeminde \u00f6ne \u00e7\u0131kmas\u0131n\u0131 bekliyoruz.\u201d dedi.<\/p>\n

Dijital varl\u0131klara yap\u0131lan yat\u0131r\u0131m 2023 ve 2024 toplamlar\u0131n\u0131 \u015fimdiden a\u015ft\u0131<\/strong><\/h3>\n

2026’n\u0131n ilk yar\u0131s\u0131nda dijital varl\u0131klar ve dijital para birimlerine toplam 467 i\u015flem ile 11,1 milyar dolar yat\u0131r\u0131m yap\u0131ld\u0131. Bu tutar, 2025 genelindeki 21,9 milyar dolar\u0131n alt\u0131nda kalsa da 2023’teki 9,9 milyar dolar ve 2024’teki 9,6 milyar dolarl\u0131k y\u0131ll\u0131k toplamlar\u0131 \u015fimdiden geride b\u0131rakt\u0131. ABD, 5,9 milyar dolar ile bu yat\u0131r\u0131mlar\u0131n yar\u0131s\u0131ndan fazlas\u0131n\u0131 \u00e7ekti. \u00d6ne \u00e7\u0131kan i\u015flemler aras\u0131nda, ABD merkezli tahmin piyasas\u0131 Kalshi<\/strong>‘nin 1,2 milyar dolarl\u0131k yat\u0131r\u0131m turu ile ABD’de ulusal d\u00fczeyde lisansl\u0131 yeni bir banka olan Erebor Bank’\u0131n 635 milyon dolarl\u0131k tohum yat\u0131r\u0131m turu bulunuyor. Yat\u0131r\u0131mc\u0131 ilgisi \u00f6zellikle stablecoin ve \u00f6deme altyap\u0131s\u0131, tokenizasyon platformlar\u0131, mutabakat a\u011flar\u0131, saklama ve kurumsal hizmetlere y\u00f6neldi.<\/p>\n

\u00d6deme sekt\u00f6r\u00fcndeki yat\u0131r\u0131mlar iki kattan fazla artt\u0131<\/strong><\/h3>\n

2026’n\u0131n ilk yar\u0131s\u0131nda \u00f6deme sekt\u00f6r\u00fcne yap\u0131lan yat\u0131r\u0131mlar 44,2 milyar dolara y\u00fckseldi. B\u00f6ylece sekt\u00f6r, 2025 y\u0131l\u0131n\u0131n tamam\u0131ndaki 20,2 milyar dolarl\u0131k yat\u0131r\u0131m\u0131n iki kat\u0131ndan fazlas\u0131na y\u0131l\u0131n ilk alt\u0131 ay\u0131nda ula\u015ft\u0131. Art\u0131\u015f\u0131n b\u00fcy\u00fck k\u0131sm\u0131, Global Payments’\u0131n Worldpay’i 24,3 milyar dolara sat\u0131n almas\u0131ndan kaynakland\u0131. Buna kar\u015f\u0131n \u00f6deme sekt\u00f6r\u00fcnde 2025’te zaten d\u00fc\u015f\u00fck olan anla\u015fma say\u0131s\u0131 577 iken bu y\u0131lki anla\u015fma say\u0131s\u0131 da y\u0131l ortas\u0131nda 168’de kald\u0131; bu tablo, yat\u0131r\u0131mc\u0131lar\u0131n daha az say\u0131da ancak \u00f6l\u00e7ekli, k\u00e2rl\u0131 ve altyap\u0131 odakl\u0131 \u015firkete daha y\u00fcksek tutarlarda sermaye aktard\u0131\u011f\u0131n\u0131 g\u00f6sterdi.<\/p>\n

Worldpay i\u015fleminin yan\u0131 s\u0131ra ABD merkezli Cantaloupe’un 873 milyon dolarl\u0131k sat\u0131n al\u0131m\u0131, Birle\u015fik Krall\u0131k merkezli s\u0131n\u0131r \u00f6tesi \u00f6deme platformu Ebury’ye yap\u0131lan 738,7 milyon dolarl\u0131k b\u00fcy\u00fcme yat\u0131r\u0131m\u0131 ve ABD merkezli inKind’\u0131n 450 milyon dolarl\u0131k yat\u0131r\u0131m turu d\u00f6nemin \u00f6ne \u00e7\u0131kan i\u015flemleri aras\u0131nda yer ald\u0131. \u00d6deme altyap\u0131s\u0131n\u0131n modernizasyonu, s\u0131n\u0131r \u00f6tesi \u00f6deme kabiliyetleri, stablecoin altyap\u0131s\u0131, B2B \u00f6demeler ve yapay zek\u00e2 destekli \u00f6deme \u00e7\u00f6z\u00fcmleri yat\u0131r\u0131mc\u0131lar\u0131n oda\u011f\u0131nda kald\u0131.<\/p>\n

Yapay zek\u00e2 fintek yat\u0131r\u0131mlar\u0131n\u0131n ana dikeylerinden biri olmaya devam etti<\/strong><\/h3>\n

2026’n\u0131n ilk yar\u0131s\u0131nda yapay zek\u00e2 ile ili\u015fkili fintek i\u015flemleri toplam 800 anla\u015fmada 21,4 milyar dolar yat\u0131r\u0131m \u00e7ekti. 2025 y\u0131l\u0131n\u0131n tamam\u0131nda kaydedilen 23,6 milyar dolarl\u0131k yat\u0131r\u0131m ile neredeyse ayn\u0131 seviyede olan bu tutar, 2023 ve 2024 y\u0131llar\u0131n\u0131n y\u0131ll\u0131k toplamlar\u0131n\u0131n ise \u00fczerinde.<\/p>\n

Yapay zek\u00e2 \u00f6zellikle operasyonel verimlilik ve de\u011fer yaratma hedefiyle yat\u0131r\u0131mc\u0131lar\u0131n oda\u011f\u0131nda kald\u0131. Bununla birlikte, yapay zek\u00e2n\u0131n maliyetine ili\u015fkin fark\u0131ndal\u0131k artt\u0131k\u00e7a yat\u0131r\u0131m ilgisinin pilot projelerden \u00f6l\u00e7\u00fclebilir de\u011fer yaratabildi\u011fini kan\u0131tlayan \u00e7\u00f6z\u00fcmlere ve savunulabilir de\u011fer \u00f6nerisine sahip yapay zek\u00e2 do\u011fumlu finteklere kaymas\u0131 bekleniyor.<\/p>\n

Yapay zek\u00e2 ajanlar\u0131n\u0131n bireyler ve \u015firketler ad\u0131na al\u0131\u015fveri\u015f ve i\u015flem yapabildi\u011fi \u201cAjans tabanl\u0131 ticaret\u201d yakla\u015f\u0131m\u0131n\u0131n yayg\u0131nla\u015fmas\u0131yla birlikte siber g\u00fcvenlik, dijital kimlik y\u00f6netimi ve bu i\u015flemleri destekleyen \u00f6deme altyap\u0131s\u0131na y\u00f6nelik yat\u0131r\u0131m ilgisinin de artmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n

2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda ger\u00e7ekle\u015fen en b\u00fcy\u00fck 10 k\u00fcresel fintek yat\u0131r\u0131m\u0131:<\/strong><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u00a0<\/span><\/td>\nHedef \u015eirket<\/strong><\/span><\/td>\nYat\u0131r\u0131m Tutar\u0131<\/strong><\/span><\/td>\nMerkezi<\/strong><\/span><\/td>\nSekt\u00f6r<\/strong><\/span><\/td>\n<\/tr>\n
1<\/span><\/td>\nWorldpay<\/span><\/td>\n24,3 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\n\u00d6demeler<\/span><\/td>\n<\/tr>\n
2<\/span><\/td>\nTotal System Services<\/span><\/td>\n13,5 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\n\u00d6demeler<\/span><\/td>\n<\/tr>\n
3<\/span><\/td>\nClearwater Analytics<\/span><\/td>\n8,4 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\nYat\u0131r\u0131m Y\u00f6netimi<\/span><\/td>\n<\/tr>\n
4<\/span><\/td>\nOneStream<\/span><\/td>\n6,4 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\nAltyap\u0131<\/span><\/td>\n<\/tr>\n
5<\/span><\/td>\nBrex<\/span><\/td>\n5,15 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\nKurumsal Finans<\/span><\/td>\n<\/tr>\n
6<\/span><\/td>\nPolymarket<\/span><\/td>\n1,6 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\nPiyasalar<\/span><\/td>\n<\/tr>\n
7<\/span><\/td>\nNewfront<\/span><\/td>\n1,3 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\nSigorta Teknolojileri<\/span><\/td>\n<\/tr>\n
8<\/span><\/td>\nKalshi<\/span><\/td>\n1,2 milyar dolar<\/span><\/td>\nABD<\/span><\/td>\nPiyasalar<\/span><\/td>\n<\/tr>\n
9<\/span><\/td>\nSaxo Bank<\/span><\/td>\n1,2 milyar dolar<\/span><\/td>\nDanimarka<\/span><\/td>\nSermaye Piyasalar\u0131<\/span><\/td>\n<\/tr>\n
10<\/span><\/td>\nKpler Holding<\/span><\/td>\n1 milyar dolar<\/span><\/td>\nBel\u00e7ika<\/span><\/td>\nSermaye Piyasalar\u0131<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

KPMG’nin Pulse of Fintech raporuna g\u00f6re, 2026’n\u0131n ilk yar\u0131s\u0131nda k\u00fcresel fintek yat\u0131r\u0131mlar\u0131 103,1 milyar dolara ula\u015ft\u0131; y\u0131l sonunda son d\u00f6rt y\u0131l\u0131n en y\u00fcksek seviyesine ula\u015fmas\u0131 bekleniyor.<\/p>\n","protected":false},"author":2,"featured_media":713,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":2279,"_ecomap_primary_org_name":"KPMG","_ecomap_mentioned_org_ids":"[1897]","_ecomap_related_org_ids":",1897,","_ecomap_match_confidence":0.9,"_ecomap_email_message_id":"1a06b3f2b47ef738","_ecomap_email_from":"info@no165.net","_ecomap_editor_notes":"Kaynak b\u00fcltendeki e-posta HTML \u015fablonu temizlendi; ba\u015fl\u0131k tekrar\u0131 ve alt bilgi (footer) kald\u0131r\u0131ld\u0131. 'KPMG Hakk\u0131nda' \u015firket profili b\u00f6l\u00fcm\u00fc g\u00f6vdeden \u00e7\u0131kar\u0131ld\u0131. \u0130\u00e7erik h2\/h3 ba\u015fl\u0131klar\u0131yla yap\u0131land\u0131r\u0131ld\u0131; spot olarak ilk paragraf kullan\u0131ld\u0131. Ba\u015fl\u0131k ve alt ba\u015fl\u0131k yeniden yaz\u0131ld\u0131; dil bilgisi ve noktalama d\u00fczeltmeleri yap\u0131ld\u0131. Tablo ve istatistikler korundu.","_ecomap_original_body":"\r\n\r\n\r\n\r\n\r\n

\r\n K\u00fcresel fintek yat\u0131r\u0131mlar\u0131 d\u00f6rt y\u0131l\u0131n zirvesine do\u011fru ko\u015fuyor<\/div>\r\n\r\n\r\n\r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n \r\n
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B\u00fcltene ait dosyalar a\u015fa\u011f\u0131da yer almaktad\u0131r.<\/a><\/p>\r\n\r\n \r\n\r\n <\/td>\r\n <\/tr>\r\n <\/table>\r\n \r\n <\/td>\r\n <\/tr>\r\n \r\n \r\n \r\n\t\r\n\t\r\n\t\r\n\t\r\n\t\r\n

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\r\n \r\n \r\n\r\n\r\n\r\n\r\nKPMG T\u00fcrkiye Bas\u0131n B\u00fclteni<\/span>\r\n\r\n\r\n\t
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\r\n\r\n\r\n K\u00fcresel fintek yat\u0131r\u0131mlar\u0131 d\u00f6rt y\u0131l\u0131n zirvesine do\u011fru ko\u015fuyor<\/strong><\/span>
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\r\nKPMG'nin \u201cPulse of Fintech\u201d raporuna g\u00f6re, 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda k\u00fcresel fintek sekt\u00f6r\u00fcnde yat\u0131r\u0131mlar\u0131n toplam de\u011feri 103,1 milyar dolara y\u00fckseldi. Yat\u0131r\u0131mlar\u0131n bu seviyede devam etmesi h\u00e2linde, fintek pazar\u0131ndaki yat\u0131r\u0131mlar\u0131n y\u0131l sonuna kadar son d\u00f6rt y\u0131l\u0131n en y\u00fcksek seviyesine ula\u015fmas\u0131 bekleniyor.<\/span> <\/strong>
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\r\nKPMG'nin k\u00fcresel \u00e7apta finteklere yap\u0131lan yat\u0131r\u0131mlar\u0131 mercek alt\u0131na ald\u0131\u011f\u0131 \u201cPulse of Fintech\u201d raporuna g\u00f6re 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda, piyasa alg\u0131s\u0131 iyile\u015fmeye devam etse de farkl\u0131 b\u00f6lgelerde s\u00fcren jeopolitik, ekonomik ve d\u00fczenleyici belirsizlikler yat\u0131r\u0131mc\u0131lar\u0131n temkinli davranmas\u0131na ve yat\u0131r\u0131mlar\u0131n b\u00fcy\u00fck \u00f6l\u00e7\u00fcde belirli alanlarda yo\u011funla\u015fmas\u0131na yol a\u00e7t\u0131. \u0130\u015flem say\u0131s\u0131ndaki zay\u0131flamaya kar\u015f\u0131n i\u015flem de\u011ferlerinin g\u00fc\u00e7l\u00fc seyretmesi, fintek yat\u0131r\u0131mc\u0131lar\u0131n\u0131n sermayelerini kan\u0131tlanm\u0131\u015f i\u015f modellerine sahip ve pazar lideri olarak g\u00f6r\u00fclen \u015firketlere y\u00f6neltmeye devam etti\u011fini g\u00f6sterdi.
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\r\nBu d\u00f6nemde k\u00fcresel fintek sekt\u00f6r\u00fcnde toplam 2 bin 100 anla\u015fma<\/strong> yap\u0131ld\u0131 ve yat\u0131r\u0131mlar\u0131n toplam de\u011feri 103,1 milyar dolar<\/strong> oldu. B\u00f6ylece yat\u0131r\u0131m tutar\u0131 2025'in ikinci yar\u0131s\u0131ndaki 72,2 milyar dolar\u0131n belirgin \u015fekilde \u00fczerine \u00e7\u0131kt\u0131. Yat\u0131r\u0131mlar\u0131n bu seviyede devam etmesi h\u00e2linde, fintek pazar\u0131ndaki yat\u0131r\u0131mlar\u0131n y\u0131l sonuna kadar son d\u00f6rt y\u0131l\u0131n en y\u00fcksek seviyesine ula\u015fmas\u0131 bekleniyor. Buna kar\u015f\u0131l\u0131k anla\u015fma say\u0131s\u0131 ayn\u0131 d\u00f6nemdeki 2 bin 500 seviyesinden geriledi. Y\u0131l\u0131n ilk yar\u0131s\u0131ndaki en b\u00fcy\u00fck 10 i\u015flem tek ba\u015f\u0131na 64 milyar dolar ile toplam fintek yat\u0131r\u0131mlar\u0131n\u0131n y\u00fczde 62'sini olu\u015fturdu.
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\r\nAmerika k\u0131tas\u0131, 2026'n\u0131n ilk yar\u0131s\u0131nda 86,9 milyar dolar fintek yat\u0131r\u0131m\u0131 \u00e7ekti, bunun 80,8 milyar dolar\u0131 ABD'de ger\u00e7ekle\u015fti. Buna kar\u015f\u0131n EMEA b\u00f6lgesine yap\u0131lan fintek yat\u0131r\u0131mlar\u0131 2025'in ikinci yar\u0131s\u0131ndaki 18 milyar dolardan 11,3 milyar dolara geriledi. Asya Pasifik (ASPAC) b\u00f6lgesinde ise yat\u0131r\u0131m tutar\u0131 7,1 milyar dolardan 4,6 milyar dolara d\u00fc\u015ft\u00fc.
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\r\nKonuyla ilgili a\u00e7\u0131klamada bulunan KPMG T\u00fcrkiye Fintech ve Dijital Finans Lideri Sinem Cant\u00fcrk<\/strong>, \u201c2026'n\u0131n ilk yar\u0131s\u0131nda toplam fintek yat\u0131r\u0131m\u0131 103,1 milyar dolara y\u00fckselirken anla\u015fma say\u0131s\u0131n\u0131n 2.100'e gerilemesi, sermayenin kan\u0131tlanm\u0131\u015f i\u015f modellerine sahip \u015firketlerde yo\u011funla\u015ft\u0131\u011f\u0131n\u0131 g\u00f6steriyor. \u00d6deme sistemlerindeki mega i\u015flemler toplam yat\u0131r\u0131m de\u011ferini yukar\u0131 ta\u015f\u0131rken, dijital varl\u0131k altyap\u0131s\u0131 ve yapay zek\u00e2 b\u00fcy\u00fcmenin ana dikeyleri olmaya devam ediyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde stablecoin altyap\u0131s\u0131, yapay zek\u00e2 ajanlar\u0131 ve \u00f6deme sekt\u00f6r\u00fcndeki konsolidasyonun yat\u0131r\u0131mc\u0131 g\u00fcndeminde \u00f6ne \u00e7\u0131kmas\u0131n\u0131 bekliyoruz.\u201d dedi.
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\r\nDijital varl\u0131klara yap\u0131lan yat\u0131r\u0131m 2023 ve 2024 toplamlar\u0131n\u0131 \u015fimdiden a\u015ft\u0131<\/strong>
\r\n2026'n\u0131n ilk yar\u0131s\u0131nda dijital varl\u0131klar ve dijital para birimlerine toplam 467 i\u015flem ile 11,1 milyar dolar yat\u0131r\u0131m yap\u0131ld\u0131. Bu tutar, 2025 genelindeki 21,9 milyar dolar\u0131n alt\u0131nda kalsa da 2023'teki 9,9 milyar dolar ve 2024'teki 9,6 milyar dolarl\u0131k y\u0131ll\u0131k toplamlar\u0131 \u015fimdiden geride b\u0131rakt\u0131. ABD, 5,9 milyar dolar ile bu yat\u0131r\u0131mlar\u0131n yar\u0131s\u0131ndan fazlas\u0131n\u0131 \u00e7ekti. \u00d6ne \u00e7\u0131kan i\u015flemler aras\u0131nda, ABD merkezli tahmin piyasas\u0131 Kalshi'nin 1,2 milyar dolarl\u0131k yat\u0131r\u0131m turu ile ABD'de ulusal d\u00fczeyde lisansl\u0131 yeni bir banka olan Erebor Bank'\u0131n 635 milyon dolarl\u0131k tohum yat\u0131r\u0131m turu bulunuyor. Yat\u0131r\u0131mc\u0131 ilgisi \u00f6zellikle stablecoin ve \u00f6deme altyap\u0131s\u0131, tokenizasyon platformlar\u0131, mutabakat a\u011flar\u0131, saklama ve kurumsal hizmetlere y\u00f6neldi.
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\r\n\u00d6deme sekt\u00f6r\u00fcndeki yat\u0131r\u0131mlar iki kattan fazla artt\u0131<\/strong>
\r\n2026'n\u0131n ilk yar\u0131s\u0131nda \u00f6deme sekt\u00f6r\u00fcne yap\u0131lan yat\u0131r\u0131mlar 44,2 milyar dolara y\u00fckseldi. B\u00f6ylece sekt\u00f6r, 2025 y\u0131l\u0131n\u0131n tamam\u0131ndaki 20,2 milyar dolarl\u0131k yat\u0131r\u0131m\u0131n iki kat\u0131ndan fazlas\u0131na y\u0131l\u0131n ilk alt\u0131 ay\u0131nda ula\u015ft\u0131. Art\u0131\u015f\u0131n b\u00fcy\u00fck k\u0131sm\u0131, Global Payments'\u0131n Worldpay'i 24,3 milyar dolara sat\u0131n almas\u0131ndan kaynakland\u0131. Buna kar\u015f\u0131n \u00f6deme sekt\u00f6r\u00fcnde 2025'te zaten d\u00fc\u015f\u00fck olan anla\u015fmas\u0131 say\u0131s\u0131 577 iken bu y\u0131lki anla\u015fma say\u0131s\u0131 da y\u0131l ortas\u0131nda 168'de kald\u0131; bu tablo, yat\u0131r\u0131mc\u0131lar\u0131n daha az say\u0131da ancak \u00f6l\u00e7ekli, k\u00e2rl\u0131 ve altyap\u0131 odakl\u0131 \u015firkete daha y\u00fcksek tutarlarda sermaye aktard\u0131\u011f\u0131n\u0131 g\u00f6sterdi.
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\r\nWorldpay i\u015fleminin yan\u0131 s\u0131ra ABD merkezli Cantaloupe'un 873 milyon dolarl\u0131k sat\u0131n al\u0131m\u0131, Birle\u015fik Krall\u0131k merkezli s\u0131n\u0131r \u00f6tesi \u00f6deme platformu Ebury'ye yap\u0131lan 738,7 milyon dolarl\u0131k b\u00fcy\u00fcme yat\u0131r\u0131m\u0131 ve ABD merkezli inKind'\u0131n 450 milyon dolarl\u0131k yat\u0131r\u0131m turu d\u00f6nemin \u00f6ne \u00e7\u0131kan i\u015flemleri aras\u0131nda yer ald\u0131. \u00d6deme altyap\u0131s\u0131n\u0131n modernizasyonu, s\u0131n\u0131r \u00f6tesi \u00f6deme kabiliyetleri, stablecoin altyap\u0131s\u0131, B2B \u00f6demeler ve yapay zek\u00e2 destekli \u00f6deme \u00e7\u00f6z\u00fcmleri yat\u0131r\u0131mc\u0131lar\u0131n oda\u011f\u0131nda kald\u0131.
\r\n\u00a0
\r\nYapay zek\u00e2 fintek yat\u0131r\u0131mlar\u0131n\u0131n ana dikeylerinden biri olmaya devam etti<\/strong>
\r\n2026'n\u0131n ilk yar\u0131s\u0131nda yapay zek\u00e2 ile ili\u015fkili fintek i\u015flemleri toplam 800 anla\u015fmada 21,4 milyar dolar yat\u0131r\u0131m \u00e7ekti. 2025 y\u0131l\u0131n\u0131n tamam\u0131nda kaydedilen 23,6 milyar dolarl\u0131k yat\u0131r\u0131m ile neredeyse ayn\u0131 seviyede olan bu tutar, 2023 ve 2024 y\u0131llar\u0131n\u0131n y\u0131ll\u0131k toplamlar\u0131n\u0131n ise \u00fczerinde.
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\r\nYapay zek\u00e2 \u00f6zellikle operasyonel verimlilik ve de\u011fer yaratma hedefiyle yat\u0131r\u0131mc\u0131lar\u0131n oda\u011f\u0131nda kald\u0131. Bununla birlikte, yapay zek\u00e2n\u0131n maliyetine ili\u015fkin fark\u0131ndal\u0131k artt\u0131k\u00e7a yat\u0131r\u0131m ilgisinin pilot projelerden \u00f6l\u00e7\u00fclebilir de\u011fer yaratabildi\u011fini kan\u0131tlayan \u00e7\u00f6z\u00fcmlere ve savunulabilir de\u011fer \u00f6nerisine sahip yapay zek\u00e2 do\u011fumlu finteklere kaymas\u0131 bekleniyor.
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\r\nYapay zek\u00e2 ajanlar\u0131n\u0131n bireyler ve \u015firketler ad\u0131na al\u0131\u015fveri\u015f ve i\u015flem yapabildi\u011fi \u201cAjans tabanl\u0131 ticaret\u201d yakla\u015f\u0131m\u0131n\u0131n yayg\u0131nla\u015fmas\u0131yla birlikte siber g\u00fcvenlik, dijital kimlik y\u00f6netimi ve bu i\u015flemleri destekleyen \u00f6deme altyap\u0131s\u0131na y\u00f6nelik yat\u0131r\u0131m ilgisinin de artmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.
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\r\n2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131nda ger\u00e7ekle\u015fen en b\u00fcy\u00fck 10 k\u00fcresel fintek yat\u0131r\u0131m\u0131:<\/strong>
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\u00a0<\/span><\/td>\r\n\t\t\tHedef \u015eirket<\/strong><\/span><\/td>\r\n\t\t\tYat\u0131r\u0131m Tutar\u0131<\/strong><\/span><\/td>\r\n\t\t\tMerkezi<\/strong><\/span><\/td>\r\n\t\t\tSekt\u00f6r<\/strong><\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
1<\/span><\/td>\r\n\t\t\tWorldpay<\/span><\/td>\r\n\t\t\t24,3 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\t\u00d6demeler<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
2<\/span><\/td>\r\n\t\t\tTotal System Services<\/span><\/td>\r\n\t\t\t13,5 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\t\u00d6demeler<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
3<\/span><\/td>\r\n\t\t\tClearwater Analytics<\/span><\/td>\r\n\t\t\t8,4 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\tYat\u0131r\u0131m Y\u00f6netimi<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
4<\/span><\/td>\r\n\t\t\tOneStream<\/span><\/td>\r\n\t\t\t6,4 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\tAltyap\u0131<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
5<\/span><\/td>\r\n\t\t\tBrex<\/span><\/td>\r\n\t\t\t5,15 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\tKurumsal Finans<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
6<\/span><\/td>\r\n\t\t\tPolymarket<\/span><\/td>\r\n\t\t\t1,6 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\tPiyasalar<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
7<\/span><\/td>\r\n\t\t\tNewfront<\/span><\/td>\r\n\t\t\t1,3 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\tSigorta Teknolojileri<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
8<\/span><\/td>\r\n\t\t\tKalshi<\/span><\/td>\r\n\t\t\t1,2 milyar dolar<\/span><\/td>\r\n\t\t\tABD<\/span><\/td>\r\n\t\t\tPiyasalar<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
9<\/span><\/td>\r\n\t\t\tSaxo Bank<\/span><\/td>\r\n\t\t\t1,2 milyar dolar<\/span><\/td>\r\n\t\t\tDanimarka<\/span><\/td>\r\n\t\t\tSermaye Piyasalar\u0131<\/span><\/td>\r\n\t\t<\/tr>\r\n\t\t
10<\/span><\/td>\r\n\t\t\tKpler Holding<\/span><\/td>\r\n\t\t\t1 milyar dolar<\/span><\/td>\r\n\t\t\tBel\u00e7ika<\/span><\/td>\r\n\t\t\tSermaye Piyasalar\u0131<\/span><\/td>\r\n\t\t<\/tr>\r\n\t<\/tbody>\r\n<\/table>\r\n\u00a0
\r\nRaporunun tamam\u0131na buradan<\/a> ula\u015fabilirsiniz.<\/span>
\r\n\u00a0
\r\nBilgi i\u00e7in: <\/strong>\u00a0 \u00a0
\r\nCeren Moral Aru\u00a0
\r\n0533 921 43 53\u00a0
\r\ncerenm@marjinal.com.tr\u00a0
\r\n\u00a0
\r\nKPMG Hakk\u0131nda<\/strong>\u00a0
\r\nKPMG, ge\u00e7mi\u015fi 1867 y\u0131l\u0131na dayanan, \u00fcye firmalar a\u011f\u0131 sistemiyle 143 \u00fclkede 265 binin \u00fczerinde \u00e7al\u0131\u015fan\u0131yla faaliyet g\u00f6steriyor. Finansal hizmetler, t\u00fcketici \u00fcr\u00fcnleri, otomotiv; end\u00fcstriyel sekt\u00f6rlerden g\u0131da, perakende, enerji, telekom\u00fcnikasyon, kimya gibi pek \u00e7ok sekt\u00f6re dan\u0131\u015fmanl\u0131k hizmeti sa\u011fl\u0131yor. KPMG T\u00fcrkiye ise \u0130stanbul merkez ofisinin yan\u0131 s\u0131ra Ankara, \u0130zmir, Bursa, Antalya ve Adana ofisleriyle, 1982 y\u0131l\u0131ndan beri yakla\u015f\u0131k 1.700 \u00e7al\u0131\u015fan\u0131yla her sekt\u00f6rden 4 binin \u00fczerinde firmaya sekt\u00f6rler \u00f6zelinde hizmet veriyor. 2020 y\u0131l\u0131nda k\u00fcresel a\u011f\u0131n Lighthouse lisans\u0131n\u0131 alarak yeni teknolojilerde d\u00fcnyadaki m\u00fckemmeliyet merkezleri aras\u0131na giren KPMG T\u00fcrkiye, m\u00fc\u015fterilerine de\u011fer yaratan \u00e7\u00f6z\u00fcmler sunuyor. Detayl\u0131 bilgi i\u00e7in www.kpmg.com.tr<\/a> adresine ba\u015fvurabilirsiniz.<\/span>
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\r\n \r\n \"kpmg-pulse-of-fintech-2026-1h-bb.docx\"\r\n <\/a><\/td>\r\n \r\nDosya boyutu
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\r\n \r\n \r\n \r\n \r\n \r\n\t\t\t\t \t\t\t\t \r\n\t\t\t\t \r\n\t\t\t\t\twww.no165.net\t\t\t\t <\/a> \r\n\t\t\t\t \r\n\t\t\t\t \t\t\t\t \r\n\t\t\t\t | \t\t\t\t \r\n\t\t\t\t \r\n\t\t\t\t\tinfo@no165.net\t\t\t\t <\/a>\r\n\t\t\t\t \r\n\t\t\t\t
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\r\nNo165 \u00a9 2022\r\n <\/span>\r\n \r\n \r\n \r\n

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