{"id":2371,"date":"2026-10-12T12:54:46","date_gmt":"2026-10-12T09:54:46","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=2371"},"modified":"2026-10-12T12:54:46","modified_gmt":"2026-10-12T09:54:46","slug":"soner-canko-yazdi-odeme-aliskanliklarimizda-devrim","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/10\/12\/soner-canko-yazdi-odeme-aliskanliklarimizda-devrim\/","title":{"rendered":"Soner Canko yazd\u0131: \u00d6deme al\u0131\u015fkanl\u0131klar\u0131m\u0131zda devrim"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>2020&#8217;de pandemi ba\u015flad\u0131\u011f\u0131nda temass\u0131z \u00f6deme konusunda ilgin\u00e7 bir deney ya\u015fad\u0131k. Y\u0131llard\u0131r bankalar, \u00f6deme kurulu\u015flar\u0131 ve kart \u015firketleri t\u00fcketicileri kartlar\u0131n\u0131 POS cihaz\u0131na yakla\u015ft\u0131rarak \u00f6deme yapmaya ikna etmeye \u00e7al\u0131\u015f\u0131yordu. Kampanyalar, ileti\u015fim \u00e7al\u0131\u015fmalar\u0131, avantajlar&#8230; Buna ra\u011fmen temass\u0131z \u00f6deme bir t\u00fcrl\u00fc ana ak\u0131m haline gelemiyordu. Sonra birka\u00e7 ay i\u00e7inde al\u0131\u015fkanl\u0131k de\u011fi\u015fti. Temass\u0131z \u00f6deme g\u00fcnl\u00fck hayat\u0131n standartlar\u0131ndan biri haline geldi. G\u00fcn\u00fcm\u00fczde fiziksel ma\u011fazalardaki kartl\u0131 \u00f6demelerin yakla\u015f\u0131k y\u00fczde 80&#8217;i temass\u0131z ger\u00e7ekle\u015fiyor.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu deney bize \u00f6nemli bir \u015fey g\u00f6sterdi. \u00d6deme al\u0131\u015fkanl\u0131klar\u0131, yeni bir teknoloji \u00e7\u0131kt\u0131\u011f\u0131 i\u00e7in de\u011fil, hayat\u0131m\u0131z de\u011fi\u015fti\u011fi zaman de\u011fi\u015fiyor. 2016 ile 2026 aras\u0131ndaki on y\u0131la bakt\u0131\u011f\u0131m\u0131zda T\u00fcrkiye&#8217;de tam da b\u00f6yle bir d\u00f6n\u00fc\u015f\u00fcm g\u00f6r\u00fcyoruz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2016&#8217;da internetten yap\u0131lan kartl\u0131 \u00f6demelerin toplam kartl\u0131 \u00f6demeler i\u00e7indeki pay\u0131 yakla\u015f\u0131k y\u00fczde 12 seviyesindeydi. Temass\u0131z \u00f6deme ise hen\u00fcz geli\u015fmekte olan bir teknolojiydi. Bug\u00fcn internetten yap\u0131lan kartl\u0131 \u00f6demelerin toplam i\u00e7indeki pay\u0131 y\u00fczde 30&#8217;u a\u015fm\u0131\u015f durumda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6deme al\u0131\u015fkanl\u0131klar\u0131m\u0131zdaki de\u011fi\u015fimin bir ba\u015fka g\u00f6stergesi de internet ile fiziksel d\u00fcnya aras\u0131ndaki s\u0131n\u0131r\u0131n ortadan kalkmas\u0131. Ancak burada \u201conline\u201d kelimesi bile ya\u015fanan de\u011fi\u015fimi tam anlatm\u0131yor. \u0130nternetten sipari\u015f verip ma\u011fazadan teslim al\u0131yoruz, ma\u011fazada se\u00e7ti\u011fimizi mobilden \u00f6d\u00fcyoruz, uygulamadan verdi\u011fimiz sipari\u015f fiziksel d\u00fcnyada ger\u00e7ekle\u015fiyor. T\u00fcketici a\u00e7\u0131s\u0131ndan al\u0131\u015fveri\u015fin nerede ba\u015flad\u0131\u011f\u0131, nerede bitti\u011fi ve \u00f6demenin hangi kanaldan yap\u0131ld\u0131\u011f\u0131 giderek \u00f6nemini kaybediyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">QR \u00f6demelerdeki h\u0131zl\u0131 b\u00fcy\u00fcme de bu de\u011fi\u015fimin ba\u015fka bir g\u00f6stergesi. Son d\u00f6nemde QR ile \u00f6deme hacmi her y\u0131l ortalama 3,5 kat b\u00fcy\u00fcyor. \u0130\u015flem adetlerinde \u00f6zellikle seyahat, elektronik, restoran ve yemek kategorilerindeki art\u0131\u015f dikkat \u00e7ekiyor. QR art\u0131k alternatif bir \u00f6deme y\u00f6ntemi olmaktan \u00e7\u0131k\u0131p g\u00fcnl\u00fck hayat\u0131n i\u00e7ine yerle\u015fiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para transferlerinde ya\u015fanan de\u011fi\u015fim ise belki daha da \u00f6nemli. 2016&#8217;da ba\u015fka bir bankadaki ki\u015fiye para g\u00f6ndermek klasik bir bankac\u0131l\u0131k i\u015flemiydi. EFT saatleri, hesap numaras\u0131 ve i\u015flem s\u00fcresi hayat\u0131m\u0131z\u0131n par\u00e7as\u0131yd\u0131. FAST&#8217;\u0131n hayat\u0131m\u0131za girmesiyle bu deneyim de\u011fi\u015fti. Para saniyeler i\u00e7inde transfer edilebilir hale geldi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FAST&#8217;\u0131n ula\u015ft\u0131\u011f\u0131 \u00f6l\u00e7ek de bu de\u011fi\u015fimin ge\u00e7ici olmad\u0131\u011f\u0131n\u0131 g\u00f6steriyor. 2025&#8217;te 5,4 milyar i\u015flem ger\u00e7ekle\u015fti ve art\u0131k \u00f6deme alternatiflerimizin \u00f6nemli bir par\u00e7as\u0131 haline geldi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00fcnyada da benzer bir d\u00f6n\u00fc\u015f\u00fcm ya\u015fan\u0131yor. Dijital c\u00fczdanlar ve hesaptan hesaba \u00f6demeler bir\u00e7ok \u00fclkede art\u0131k alternatif \u00f6deme y\u00f6ntemleri olmaktan \u00e7\u0131k\u0131p ana \u00f6deme y\u00f6ntemlerinden biri haline geliyor. Son on y\u0131lda dijital \u00f6deme y\u00f6ntemlerinin k\u00fcresel \u00f6l\u00e7ekte h\u0131zl\u0131 b\u00fcy\u00fcmesi, T\u00fcrkiye&#8217;de ya\u015fanan de\u011fi\u015fimin daha b\u00fcy\u00fck bir d\u00f6n\u00fc\u015f\u00fcm\u00fcn par\u00e7as\u0131 oldu\u011funu g\u00f6steriyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye&#8217;nin burada \u00f6nemli bir avantaj\u0131 var. Bu d\u00f6n\u00fc\u015f\u00fcm, zaten g\u00fc\u00e7l\u00fc olan bir kartl\u0131 \u00f6deme altyap\u0131s\u0131n\u0131n \u00fczerine kuruluyor. Bu nedenle yeni \u00f6deme y\u00f6ntemleri eski sistemin tamamen yerini almak yerine onunla birlikte geli\u015fiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bence son on y\u0131lda ya\u015fanan as\u0131l de\u011fi\u015fim burada. Bu de\u011fi\u015fimi yaln\u0131zca kart kullan\u0131m\u0131n\u0131n artmas\u0131, internetten al\u0131\u015fveri\u015fin b\u00fcy\u00fcmesi veya yeni \u00f6deme y\u00f6ntemlerinin ortaya \u00e7\u0131kmas\u0131 olarak g\u00f6rmek eksik kal\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c7\u00fcnk\u00fc de\u011fi\u015fen asl\u0131nda t\u00fcketicinin beklentisi. G\u00fcnden g\u00fcne daha h\u0131zl\u0131, daha kolay ve daha g\u00fcvenli \u00f6deme yapmak istiyoruz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On y\u0131l \u00f6nce \u00f6deme y\u00f6ntemlerini dijitalle\u015ftirmeye \u00e7al\u0131\u015f\u0131yorduk. Bug\u00fcn ise dijital hayat\u0131n i\u00e7inde \u00f6demenin kendisini yeniden tan\u0131ml\u0131yoruz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><a href=\"https:\/\/www.bloomberght.com\/yorum\/dr-soner-canko\/3790441-odeme-aliskanliklarimizda-devrim\" target=\"_blank\" rel=\"noopener\">Bu yaz\u0131 ilk olarak 6 Ekim 2026 tarihinde, BloombergHT sitesinde yay\u0131nlanm\u0131\u015ft\u0131r.<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2020&#8217;de pandemi ba\u015flad\u0131\u011f\u0131nda temass\u0131z \u00f6deme konusunda ilgin\u00e7 bir deney ya\u015fad\u0131k. Y\u0131llard\u0131r bankalar, \u00f6deme kurulu\u015flar\u0131 ve kart \u015firketleri t\u00fcketicileri kartlar\u0131n\u0131 POS cihaz\u0131na yakla\u015ft\u0131rarak \u00f6deme yapmaya ikna etmeye \u00e7al\u0131\u015f\u0131yordu. Kampanyalar, ileti\u015fim \u00e7al\u0131\u015fmalar\u0131, avantajlar&#8230; Buna ra\u011fmen temass\u0131z \u00f6deme bir t\u00fcrl\u00fc ana ak\u0131m haline gelemiyordu. Sonra birka\u00e7 ay i\u00e7inde al\u0131\u015fkanl\u0131k de\u011fi\u015fti. Temass\u0131z \u00f6deme g\u00fcnl\u00fck hayat\u0131n standartlar\u0131ndan biri haline geldi. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2376,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":2246,"_ecomap_primary_org_name":"SC Y\u00f6netim & Dan\u0131\u015fmanl\u0131k","_ecomap_mentioned_org_ids":"[]","_ecomap_related_org_ids":"","_ecomap_match_confidence":0,"_ecomap_email_message_id":"","_ecomap_email_from":"","_ecomap_editor_notes":"","_ecomap_original_body":"","_ecomap_skills_applied":"","_ecomap_language":"","_ecomap_source":"","_ecomap_auto_published":"","_ecomap_topics":"","_ecomap_mentioned_people":"[{\"name\":\"Soner Canko\",\"role\":\"\",\"quote\":false,\"ecomap_person_id\":821,\"source\":\"editor\"}]","_aeroflow_canonical_url":"https:\/\/www.bloomberght.com\/yorum\/dr-soner-canko\/3790441-odeme-aliskanliklarimizda-devrim","footnotes":""},"categories":[5],"tags":[],"content_type":[],"class_list":["post-2371","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makale"],"_links":{"self":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts\/2371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/comments?post=2371"}],"version-history":[{"count":1,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts\/2371\/revisions"}],"predecessor-version":[{"id":2377,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/posts\/2371\/revisions\/2377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/media\/2376"}],"wp:attachment":[{"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/media?parent=2371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/categories?post=2371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/tags?post=2371"},{"taxonomy":"content_type","embeddable":true,"href":"https:\/\/fintech.mercek.net\/news\/wp-json\/wp\/v2\/content_type?post=2371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}