{"id":2572,"date":"2026-10-23T10:57:22","date_gmt":"2026-10-23T07:57:22","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=2572"},"modified":"2026-10-23T12:16:19","modified_gmt":"2026-10-23T09:16:19","slug":"turk-fintek-ekosistemi-guveni-yeniden-insa-etti-yeni-esik-teknoloji-ve-kuresel-acilim","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/10\/23\/turk-fintek-ekosistemi-guveni-yeniden-insa-etti-yeni-esik-teknoloji-ve-kuresel-acilim\/","title":{"rendered":"T\u00fcrk Fintek Ekosistemi G\u00fcveni Yeniden \u0130n\u015fa Etti: Yeni E\u015fik Teknoloji ve K\u00fcresel A\u00e7\u0131l\u0131m"},"content":{"rendered":"

T\u00fcrkiye’nin fintek ve \u00f6deme sekt\u00f6r\u00fcn\u00fcn \u00f6nde gelen y\u00f6neticileri, DT Cloud ev sahipli\u011finde ve TBS Investment & Management’tan Tun\u00e7 Berkman’\u0131n moderat\u00f6rl\u00fc\u011f\u00fcnde d\u00fczenlenen Fintech Yuvarlak Masa Toplant\u0131s\u0131’nda bir araya geldi.<\/strong><\/h2>\n

Toplant\u0131da sekt\u00f6r\u00fcn g\u00fcncel g\u00f6r\u00fcn\u00fcm\u00fc ele al\u0131nd\u0131. Reg\u00fclasyonlar\u0131n ekosisteme etkisi, bankalarla artan rekabet ve \u00f6n\u00fcm\u00fczdeki d\u00f6nemde fark yaratacak teknoloji yat\u0131r\u0131mlar\u0131 da masadayd\u0131.<\/p>\n

D\u00fczenlemenin yan\u0131na denetim geldi, g\u00fcven yeniden aya\u011fa kalkt\u0131<\/strong><\/h3>\n

T\u00fcrkiye Fintek Derne\u011fi<\/strong> Kurucusu ve Y\u00f6netim Kurulu \u00dcyesi Kutay Yal\u0131nk\u0131l\u0131n\u00e7<\/strong>, reg\u00fclasyonlar\u0131n art\u0131k sistemi koruyan bir i\u015flev \u00fcstlendi\u011fini, ancak kullan\u0131c\u0131y\u0131 korurken yenilik yapmak isteyen \u015firketleri de desteklemesi gerekti\u011fini vurgulad\u0131. Ekosistemin lisansl\u0131 kurulu\u015flar\u0131n yan\u0131 s\u0131ra finansal yaz\u0131l\u0131m ve altyap\u0131 \u015firketlerini de kapsad\u0131\u011f\u0131n\u0131 belirten Yal\u0131nk\u0131l\u0131n\u00e7, T\u00fcrk fintek \u015firketlerinin g\u00fc\u00e7l\u00fc finans birikiminin teknolojik donan\u0131mla birlikte yurt d\u0131\u015f\u0131na ta\u015f\u0131nmas\u0131 gerekti\u011fini s\u00f6yledi. Avrupa’daki sekt\u00f6r toplant\u0131lar\u0131nda yapay zek\u00e2 ile mevzuat uyumunun giderek daha fazla konu\u015fuldu\u011funa dikkat \u00e7eken Yal\u0131nk\u0131l\u0131n\u00e7, d\u00fczenleyicilerle sekt\u00f6r aras\u0131nda daha d\u00fczenli temas kurulmas\u0131n\u0131 \u00f6nerdi.<\/p>\n

\u00d6deal<\/strong> CEO’su Fevzi G\u00fcng\u00f6r<\/strong>‘e g\u00f6re sekt\u00f6rde ya\u015fanan olumsuzluklar bir depreme yol a\u00e7mad\u0131, aksine g\u00fcveni art\u0131rd\u0131. G\u00fcng\u00f6r, sorunlu uygulamalara h\u0131zl\u0131 m\u00fcdahale edilmesini ve faaliyete ge\u00e7en kurulu\u015flar\u0131n daha yak\u0131ndan izlenmesini savundu. G\u00fcvenli hale gelen sistemin bir sonraki ihtiyac\u0131n\u0131n yeni lisansl\u0131 oyuncular oldu\u011funu belirten G\u00fcng\u00f6r, pazara giren her \u015firketin ayakta kalabilmek i\u00e7in farkl\u0131 bir \u00fcr\u00fcn sunmak zorunda oldu\u011funu, bu nedenle oyuncu say\u0131s\u0131 artt\u0131k\u00e7a inovasyonun da h\u0131z kazanaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

G\u00fcng\u00f6r, finteklerin k\u00fc\u00e7\u00fck i\u015fletmelere sa\u011flad\u0131\u011f\u0131 kolayl\u0131\u011f\u0131 bir butik \u00f6rne\u011fiyle anlatt\u0131. Yeni d\u00fckk\u00e2n a\u00e7an bir i\u015fletmeci farkl\u0131 bankalardan POS cihaz\u0131 almak, komisyonlar\u0131 takip etmek, g\u00fcn sonu kay\u0131tlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak ve hesaba ge\u00e7en tutarlar\u0131 kontrol etmek zorunda kal\u0131yor. G\u00fcng\u00f6r’e g\u00f6re bakkaldan da\u011f\u0131t\u0131c\u0131ya ve \u00fcreticiye uzanan tedarik zincirindeki tahsilat s\u00fcre\u00e7leri de \u00f6nemli f\u0131rsatlar bar\u0131nd\u0131r\u0131yor. Yapay zek\u00e2 konusunda ise ge\u00e7mi\u015fte makine \u00f6\u011frenmesi olarak adland\u0131r\u0131lan pek \u00e7ok finans uygulamas\u0131n\u0131n asl\u0131nda \u00f6nceden yaz\u0131lm\u0131\u015f kural setleriyle \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 hat\u0131rlatan G\u00fcng\u00f6r, \u00fcretken yapay zek\u00e2n\u0131n esnekli\u011finin kararlar\u0131n sonradan incelenmesini zorla\u015ft\u0131rabilece\u011fini belirtti.<\/p>\n

Fingate.io<\/strong> Kurucu Orta\u011f\u0131 ve CEO’su Alper Akcan<\/strong>, sorunlar\u0131n kayna\u011f\u0131n\u0131n denetim eksikli\u011fi oldu\u011funu s\u00f6yledi. Akcan’a g\u00f6re ge\u00e7mi\u015fte d\u00fczenleme mevcuttu ancak denetim yeterince yap\u0131lm\u0131yordu. Bug\u00fcn denetimin de devreye girmesiyle g\u00fcven yeniden aya\u011fa kalkt\u0131. Bununla birlikte y\u00fcksek kurulu\u015f maliyetleri, farkl\u0131 bir i\u015f modeli geli\u015ftiren ekiplerin kendini pazarda deneme \u015fans\u0131n\u0131 daralt\u0131yor.<\/p>\n

Akcan, a\u00e7\u0131k bankac\u0131l\u0131k ve servis bankac\u0131l\u0131\u011f\u0131n\u0131n finansal \u00fcr\u00fcn\u00fc m\u00fc\u015fterinin ihtiya\u00e7 duydu\u011fu ana ta\u015f\u0131d\u0131\u011f\u0131n\u0131 da anlatt\u0131. Beyaz e\u015fya sat\u0131n alan bir t\u00fcketicinin finansmana ayn\u0131 i\u015flem s\u0131ras\u0131nda eri\u015febilmesi buna \u00f6rnek. Akcan’a g\u00f6re kal\u0131c\u0131 olmak isteyen bir fintek, \u00e7\u00f6z\u00fcm\u00fcn\u00fcn kullan\u0131c\u0131ya, i\u015f yerine ve bankaya ne kazand\u0131rd\u0131\u011f\u0131n\u0131 g\u00f6sterebilmeli.<\/p>\n

G\u00fc\u00e7l\u00fc finans altyap\u0131s\u0131, reel y\u00fczde 30 b\u00fcy\u00fcyen fintek<\/strong><\/h3>\n

Odin Financial<\/strong> Genel M\u00fcd\u00fcr\u00fc \u00d6mer \u00dcnsal<\/strong>‘\u0131n payla\u015ft\u0131\u011f\u0131 verilere g\u00f6re T\u00fcrkiye, yakla\u015f\u0131k 625 milyar dolar b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki kart pazar\u0131yla d\u00fcnyada 11’inci, e-ticaret \u00f6demelerinde ise 13’\u00fcnc\u00fc s\u0131rada bulunuyor. Fintek sekt\u00f6r\u00fc ise enflasyonun \u00fczerinde reel olarak y\u00fczde 30 b\u00fcy\u00fcyor. \u00dcnsal, ekosistemin \u00f6deme kurulu\u015flar\u0131yla s\u0131n\u0131rl\u0131 olmad\u0131\u011f\u0131n\u0131 dijital kredi, temel bankac\u0131l\u0131k sistemleri ve yurt d\u0131\u015f\u0131na hizmet veren finansal yaz\u0131l\u0131m \u015firketlerinin de h\u0131zla geli\u015fti\u011fini vurgulad\u0131. \u00dcnsal’a g\u00f6re farkl\u0131 pazarlara a\u00e7\u0131lan T\u00fcrk teknoloji \u015firketlerine yabanc\u0131 yat\u0131r\u0131mc\u0131 ilgisi s\u00fcr\u00fcyor. Yat\u0131r\u0131mc\u0131lar kurumsal y\u00f6netim, \u015feffafl\u0131k, d\u00f6viz baz\u0131nda b\u00fcy\u00fcme ve makroekonomik dalgalanmalara dayan\u0131kl\u0131l\u0131k ar\u0131yor.<\/p>\n

DenizPay<\/strong> CEO’su Yal\u0131n \u00d6zcan<\/strong>, T\u00fcrkiye’nin bankac\u0131l\u0131k ve fintek alan\u0131nda d\u00fcnyan\u0131n ilerisinde oldu\u011funu, taksitli ve temass\u0131z \u00f6deme gibi \u00e7\u00f6z\u00fcmlerin d\u00fcnyada ilk kez T\u00fcrkiye’de hayata ge\u00e7ti\u011fini hat\u0131rlatt\u0131. \u00d6zcan’a g\u00f6re fintekler, bankalar\u0131n ula\u015fmakta zorland\u0131\u011f\u0131 k\u00fc\u00e7\u00fck sat\u0131c\u0131lara eri\u015ferek POS edinme ve hesap a\u00e7ma gibi s\u00fcre\u00e7leri h\u0131zland\u0131rd\u0131. \u0130lk d\u00f6nemde bankalar\u0131n altyap\u0131s\u0131 ile finteklerin \u00e7evikli\u011fi birbirini tamamlarken, zamanla ayn\u0131 m\u00fc\u015fteri gruplar\u0131na y\u00f6nelmeleri iki taraf aras\u0131ndaki rekabeti art\u0131rd\u0131.<\/p>\n

Rekabetin yeni \u00f6l\u00e7\u00fcs\u00fc: G\u00fcven ve m\u00fc\u015fteri hareketlili\u011fi<\/strong><\/h3>\n

ColendiBank<\/strong> Kurucu Orta\u011f\u0131 ve CEO’su Deniz Devrim Cengiz<\/strong>‘e g\u00f6re T\u00fcrkiye’de tasarruf oran\u0131n\u0131n y\u00fczde 10 seviyesinde kalmas\u0131, POS ve online harcamalar\u0131n b\u00fcy\u00fcmesini besliyor. Ancak bankalar\u0131n sekt\u00f6re girmesiyle rekabet sertle\u015fti. Faizle kazan\u0131lan m\u00fc\u015fteri yine faizle kaybedilir hale geldi. Kal\u0131c\u0131 ili\u015fkinin temelinde g\u00fcven oldu\u011funu vurgulayan Cengiz, ba\u015far\u0131n\u0131n \u00f6l\u00e7\u00fcs\u00fcn\u00fcn art\u0131k m\u00fc\u015fteri say\u0131s\u0131 de\u011fil m\u00fc\u015fteri hareketlili\u011fi oldu\u011funu, g\u00fcvenin ise m\u00fc\u015fteri ad\u0131na verilen kararlar\u0131n gerek\u00e7esini anla\u015f\u0131l\u0131r bi\u00e7imde g\u00f6sterebilmekle g\u00fc\u00e7lendi\u011fini s\u00f6yledi.<\/p>\n

Yeni giri\u015fimlere alan, s\u0131n\u0131r \u00f6tesine a\u00e7\u0131l\u0131m<\/strong><\/h3>\n

Lidio<\/strong> Kurucu Orta\u011f\u0131 ve CEO’su Emre G\u00fczer<\/strong>, bir bankada \u00e7al\u0131\u015ft\u0131\u011f\u0131 y\u0131llarda Yemeksepeti’nin ihtiya\u00e7 duydu\u011fu \u00e7evrimi\u00e7i \u00f6deme \u00e7\u00f6z\u00fcm\u00fcn\u00fc sunamad\u0131klar\u0131n\u0131 anlatt\u0131. Bu bo\u015flu\u011fu dolduran \u00f6deme kurulu\u015flar\u0131 pek \u00e7ok giri\u015fimin tahsilat yapabilmesini sa\u011flad\u0131. G\u00fczer’e g\u00f6re bug\u00fcnk\u00fc sermaye gereklilikleri o y\u0131llarda olsayd\u0131 bu giri\u015fimlerin bir k\u0131sm\u0131 hi\u00e7 do\u011famayabilirdi. G\u00fczer, Lidio’nun TROY gibi yerel kart \u015femalar\u0131n\u0131n uluslararas\u0131 i\u015fletmelerde daha geni\u015f kabul g\u00f6rmesi ve farkl\u0131 \u00fclkelerin yerel \u00f6deme a\u011flar\u0131 aras\u0131nda ba\u011flant\u0131 kurulmas\u0131 \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131, Afrika ve Orta Do\u011fu’nun bu a\u00e7\u0131dan \u00f6ne \u00e7\u0131kan pazarlar oldu\u011funu belirtti. Yapay zek\u00e2 ara\u00e7lar\u0131 yayg\u0131nla\u015ft\u0131k\u00e7a \u00e7al\u0131\u015fanlar\u0131n hangi veriyi hangi sisteme aktard\u0131\u011f\u0131n\u0131n \u00f6nemli bir g\u00fcvenlik ba\u015fl\u0131\u011f\u0131na d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fcn de alt\u0131n\u0131 \u00e7izdi.<\/p>\n

Finberg<\/strong> Yat\u0131r\u0131m ve Strateji Direkt\u00f6r\u00fc Gaye \u00d6r<\/strong>, lisans, sermaye ve operasyon gerekliliklerinin, az say\u0131da kullan\u0131c\u0131yla \u00fcr\u00fcn\u00fcn\u00fc test etmek isteyen gen\u00e7 ekiplerin kar\u015f\u0131s\u0131na daha ba\u015flang\u0131\u00e7ta \u00e7\u0131kt\u0131\u011f\u0131n\u0131 s\u00f6yledi. \u00d6r, bug\u00fcn \u00e7al\u0131\u015fanlar\u0131n bireysel verimlili\u011finde g\u00f6r\u00fclen art\u0131\u015f\u0131n \u015firketlerin b\u00fct\u00fcn s\u00fcre\u00e7lerine ayn\u0131 \u00f6l\u00e7\u00fcde yans\u0131mad\u0131\u011f\u0131n\u0131 da belirtti. \u00d6r’a g\u00f6re i\u015f modelini kurulu\u015f a\u015famas\u0131ndan itibaren yapay zek\u00e2 etraf\u0131nda tasarlayan giri\u015fimler \u00f6ne \u00e7\u0131kacak. Yat\u0131r\u0131mc\u0131lar\u0131n da yapay zek\u00e2 iddias\u0131n\u0131 ger\u00e7ek kullan\u0131m ve \u00f6l\u00e7\u00fclebilir sonu\u00e7larla s\u0131namas\u0131 gerekiyor.<\/p>\n

B\u00fcy\u00fcmenin altyap\u0131s\u0131: G\u00fcvenli ve reg\u00fclasyon uyumlu bulut<\/strong><\/h3>\n

Toplant\u0131da \u00f6ne \u00e7\u0131kan ba\u015fl\u0131klar\u0131n ortak noktas\u0131, g\u00fcvenli ve denetlenebilir teknoloji altyap\u0131s\u0131yd\u0131. DT Cloud<\/strong> CCO’su Orkan Aytulun<\/strong>, ticari i\u015flemlerde tahsilat\u0131n yan\u0131 s\u0131ra \u00f6deme g\u00fcvencesi ve i\u015f s\u00fcreklili\u011finin \u00f6nemine dikkat \u00e7ekti.<\/p>\n

DT Cloud<\/strong> Kurucu CEO’su Tolga Din\u00e7er<\/strong>, toplant\u0131ya ili\u015fkin de\u011ferlendirmesinde \u015funlar\u0131 s\u00f6yledi: “T\u00fcrkiye, \u00f6deme i\u015flemlerini ger\u00e7ekle\u015ftiren uygulamalarda \u00e7ok g\u00fc\u00e7l\u00fc bir noktaya ula\u015ft\u0131. Bundan sonraki b\u00fcy\u00fck f\u0131rsat, bu i\u015flem verisini ticari kararlara d\u00f6n\u00fc\u015ft\u00fcrebilmekte. Biz bu alan\u0131 i\u015flem zek\u00e2s\u0131 olarak tan\u0131ml\u0131yoruz. Ancak finans gibi reg\u00fclasyona tabi bir alanda yapay zek\u00e2n\u0131n de\u011feri, verdi\u011fi karar\u0131n gerek\u00e7esini a\u00e7\u0131klayabildi\u011fi \u00f6l\u00e7\u00fcde kal\u0131c\u0131 olur. Kredi ba\u015fvurusu reddedilen bir m\u00fc\u015fterinin dosyas\u0131n\u0131 d\u00fczenleyici kurum aylar sonra inceledi\u011finde, kurumun bu karar\u0131n nedenini a\u00e7\u0131k\u00e7a ortaya koyabilmesi gerekir. Bu nedenle karar deste\u011fi sunan yapay zek\u00e2 ile do\u011frudan karar veren sistemleri ayr\u0131 tasarlamal\u0131, kay\u0131t ve izlenebilirli\u011fi mimarinin par\u00e7as\u0131 haline getirmeliyiz. Fintekler yak\u0131n gelecekte i\u015flem ba\u015f\u0131na maliyetin yan\u0131na yapay zek\u00e2 modellerinin token t\u00fcketimini ve hesaplama g\u00fcc\u00fc ihtiyac\u0131n\u0131 da eklemek zorunda kalacak. DT Cloud olarak verinin T\u00fcrkiye’de tutulmas\u0131n\u0131, sistem \u00fczerindeki kontrol\u00fcn ve denetim izlerinin de yerelde kalmas\u0131yla tamaml\u0131yoruz. Bu altyap\u0131y\u0131 veri analiti\u011fi ve mod\u00fcler AI Factory \u00e7al\u0131\u015fmalar\u0131m\u0131zla, finans kurulu\u015flar\u0131n\u0131n kendi verileri \u00fczerinde \u00e7al\u0131\u015fabilen yapay zek\u00e2 kapasitesine d\u00f6n\u00fc\u015ft\u00fcr\u00fcyoruz.”<\/p>\n","protected":false},"excerpt":{"rendered":"

DT Cloud ev sahipli\u011findeki Fintech Yuvarlak Masa Toplant\u0131s\u0131’nda sekt\u00f6r y\u00f6neticileri reg\u00fclasyon, denetim ve teknoloji yat\u0131r\u0131mlar\u0131n\u0131 de\u011ferlendirdi.<\/p>\n","protected":false},"author":2,"featured_media":2571,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_ecomap_primary_org_id":0,"_ecomap_primary_org_name":"","_ecomap_mentioned_org_ids":"[2289,611,191,1794,621]","_ecomap_related_org_ids":",2289,611,191,1794,621,","_ecomap_match_confidence":0.4,"_ecomap_email_message_id":"1a167ba926cbbfd3","_ecomap_email_from":"pressrelease@faselis.com","_ecomap_editor_notes":"E-posta HTML'i temizlendi; alt bilgi, abonelik iptali ba\u011flant\u0131lar\u0131, ek dosya indirme blo\u011fu ve g\u00f6rsel galerisi kald\u0131r\u0131ld\u0131. G\u00f6vde h2\/h3 yap\u0131s\u0131na oturtuldu ve spot olarak tekrar eden ba\u015fl\u0131k yerine toplant\u0131y\u0131 tan\u0131tan ilk paragraf kullan\u0131ld\u0131. \u015eirket adlar\u0131 ve unvanlar koyula\u015ft\u0131r\u0131ld\u0131, dil bilgisi ve noktalama d\u00fczeltmeleri yap\u0131ld\u0131. Pazarlama iddialar\u0131 n\u00f6trle\u015ftirildi; \u015firket profili eki yoktu.","_ecomap_original_body":"

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T\u00fcrk Fintek Ekosistemi G\u00fcveni Yeniden \u0130n\u015fa Etti: Yeni E\u015fik Teknoloji ve K\u00fcresel A\u00e7\u0131l\u0131m<\/span><\/strong><\/p>

T\u00fcrkiye, kart pazar\u0131nda d\u00fcnyada 11'inci, e-ticaret \u00f6demelerinde ise 13'\u00fcnc\u00fc s\u0131rada yer al\u0131yor. Bu g\u00fc\u00e7l\u00fc finans altyap\u0131s\u0131 \u00fczerinde y\u00fckselen fintek sekt\u00f6r\u00fc de enflasyonun \u00fczerinde reel olarak y\u00fczde 30 b\u00fcy\u00fcyor. Sekt\u00f6r temsilcilerine g\u00f6re son d\u00f6nemde devreye giren d\u00fczenleme ve denetimler, sekt\u00f6re duyulan g\u00fcveni yeniden tesis etti. Bir sonraki b\u00fcy\u00fcme dalgas\u0131n\u0131n ise teknoloji yat\u0131r\u0131mlar\u0131, yeni lisansl\u0131 oyuncular ve T\u00fcrkiye'nin finans birikiminin yurt d\u0131\u015f\u0131na ta\u015f\u0131nmas\u0131yla gelmesi bekleniyor.<\/span><\/em><\/strong><\/p>

T\u00fcrkiye'nin fintek ve \u00f6deme sekt\u00f6r\u00fcn\u00fcn \u00f6nde gelen y\u00f6neticileri, DT Cloud ev sahipli\u011finde ve TBS Investment & Management'tan Tun\u00e7 Berkman'\u0131n<\/strong> moderat\u00f6rl\u00fc\u011f\u00fcnde d\u00fczenlenen Fintech Yuvarlak Masa Toplant\u0131s\u0131'nda bir araya geldi. Toplant\u0131da sekt\u00f6r\u00fcn g\u00fcncel g\u00f6r\u00fcn\u00fcm\u00fc ele al\u0131nd\u0131. Reg\u00fclasyonlar\u0131n ekosisteme etkisi, bankalarla artan rekabet ve \u00f6n\u00fcm\u00fczdeki d\u00f6nemde fark yaratacak teknoloji yat\u0131r\u0131mlar\u0131 da masadayd\u0131.<\/span><\/p>

D\u00fczenlemenin yan\u0131na denetim geldi, g\u00fcven yeniden aya\u011fa kalkt\u0131<\/span><\/strong><\/p>

T\u00fcrkiye Fintek Derne\u011fi Kurucusu ve Y\u00f6netim Kurulu \u00dcyesi Kutay Yal\u0131nk\u0131l\u0131n\u00e7,<\/span><\/strong>\u00a0reg\u00fclasyonlar\u0131n art\u0131k sistemi koruyan bir i\u015flev \u00fcstlendi\u011fini, ancak kullan\u0131c\u0131y\u0131 korurken yenilik yapmak isteyen \u015firketleri de desteklemesi gerekti\u011fini vurgulad\u0131. Ekosistemin lisansl\u0131 kurulu\u015flar\u0131n yan\u0131 s\u0131ra finansal yaz\u0131l\u0131m ve altyap\u0131 \u015firketlerini de kapsad\u0131\u011f\u0131n\u0131 belirten Yal\u0131nk\u0131l\u0131n\u00e7<\/strong>, T\u00fcrk fintek \u015firketlerinin g\u00fc\u00e7l\u00fc finans birikiminin teknolojik donan\u0131mla birlikte yurt d\u0131\u015f\u0131na ta\u015f\u0131nmas\u0131 gerekti\u011fini s\u00f6yledi. Avrupa'daki sekt\u00f6r toplant\u0131lar\u0131nda yapay zek\u00e2 ile mevzuat uyumunun giderek daha fazla konu\u015fuldu\u011funa dikkat \u00e7eken Yal\u0131nk\u0131l\u0131n\u00e7<\/strong>, d\u00fczenleyicilerle sekt\u00f6r aras\u0131nda daha d\u00fczenli temas kurulmas\u0131n\u0131 \u00f6nerdi.<\/span><\/p>

\u00d6deal CEO'su Fevzi G\u00fcng\u00f6r'e\u00a0<\/span><\/strong>g\u00f6re sekt\u00f6rde ya\u015fanan olumsuzluklar bir depreme yol a\u00e7mad\u0131, aksine g\u00fcveni art\u0131rd\u0131. G\u00fcng\u00f6r<\/strong>, sorunlu uygulamalara h\u0131zl\u0131 m\u00fcdahale edilmesini ve faaliyete ge\u00e7en kurulu\u015flar\u0131n daha yak\u0131ndan izlenmesini savundu. G\u00fcvenli hale gelen sistemin bir sonraki ihtiyac\u0131n\u0131n yeni lisansl\u0131 oyuncular oldu\u011funu belirten G\u00fcng\u00f6r<\/strong>, pazara giren her \u015firketin ayakta kalabilmek i\u00e7in farkl\u0131 bir \u00fcr\u00fcn sunmak zorunda oldu\u011funu, bu nedenle oyuncu say\u0131s\u0131 artt\u0131k\u00e7a inovasyonun da h\u0131z kazanaca\u011f\u0131n\u0131 s\u00f6yledi.<\/span><\/p>

G\u00fcng\u00f6r<\/span><\/strong>, finteklerin k\u00fc\u00e7\u00fck i\u015fletmelere sa\u011flad\u0131\u011f\u0131 kolayl\u0131\u011f\u0131 bir butik \u00f6rne\u011fiyle anlatt\u0131. Yeni d\u00fckk\u00e2n a\u00e7an bir i\u015fletmeci farkl\u0131 bankalardan POS cihaz\u0131 almak, komisyonlar\u0131 takip etmek, g\u00fcn sonu kay\u0131tlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak ve hesaba ge\u00e7en tutarlar\u0131 kontrol etmek zorunda kal\u0131yor. G\u00fcng\u00f6r'e<\/strong> g\u00f6re bakkaldan da\u011f\u0131t\u0131c\u0131ya ve \u00fcreticiye uzanan tedarik zincirindeki tahsilat s\u00fcre\u00e7leri de \u00f6nemli f\u0131rsatlar bar\u0131nd\u0131r\u0131yor. Yapay zek\u00e2 konusunda ise ge\u00e7mi\u015fte makine \u00f6\u011frenmesi olarak adland\u0131r\u0131lan pek \u00e7ok finans uygulamas\u0131n\u0131n asl\u0131nda \u00f6nceden yaz\u0131lm\u0131\u015f kural setleriyle \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 hat\u0131rlatan G\u00fcng\u00f6r, \u00fcretken yapay zek\u00e2n\u0131n esnekli\u011finin kararlar\u0131n sonradan incelenmesini zorla\u015ft\u0131rabilece\u011fini belirtti.<\/span><\/p>

Fingate.io Kurucu Orta\u011f\u0131 ve CEO'su Alper Akcan<\/span><\/strong>, sorunlar\u0131n kayna\u011f\u0131n\u0131n denetim eksikli\u011fi oldu\u011funu s\u00f6yledi. Akcan'a<\/strong> g\u00f6re ge\u00e7mi\u015fte d\u00fczenleme mevcuttu ancak denetim yeterince yap\u0131lm\u0131yordu. Bug\u00fcn denetimin de devreye girmesiyle g\u00fcven yeniden aya\u011fa kalkt\u0131. Bununla birlikte y\u00fcksek kurulu\u015f maliyetleri, farkl\u0131 bir i\u015f modeli geli\u015ftiren ekiplerin kendini pazarda deneme \u015fans\u0131n\u0131 daralt\u0131yor.<\/span><\/p>

Akcan<\/span><\/strong>, a\u00e7\u0131k bankac\u0131l\u0131k ve servis bankac\u0131l\u0131\u011f\u0131n\u0131n finansal \u00fcr\u00fcn\u00fc m\u00fc\u015fterinin ihtiya\u00e7 duydu\u011fu ana ta\u015f\u0131d\u0131\u011f\u0131n\u0131 da anlatt\u0131. Beyaz e\u015fya sat\u0131n alan bir t\u00fcketicinin finansmana ayn\u0131 i\u015flem s\u0131ras\u0131nda eri\u015febilmesi buna \u00f6rnek. Akcan'a<\/strong> g\u00f6re kal\u0131c\u0131 olmak isteyen bir fintek, \u00e7\u00f6z\u00fcm\u00fcn\u00fcn kullan\u0131c\u0131ya, i\u015f yerine ve bankaya ne kazand\u0131rd\u0131\u011f\u0131n\u0131 g\u00f6sterebilmeli.<\/span><\/p>

G\u00fc\u00e7l\u00fc finans altyap\u0131s\u0131, reel y\u00fczde 30 b\u00fcy\u00fcyen fintek<\/span><\/strong><\/p>

Odin Financial Genel M\u00fcd\u00fcr\u00fc \u00d6mer \u00dcnsal'\u0131n<\/span><\/strong>\u00a0payla\u015ft\u0131\u011f\u0131 verilere g\u00f6re T\u00fcrkiye, yakla\u015f\u0131k 625 milyar dolar b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki kart pazar\u0131yla d\u00fcnyada 11'inci, e-ticaret \u00f6demelerinde ise 13'\u00fcnc\u00fc s\u0131rada bulunuyor. Fintek sekt\u00f6r\u00fc ise enflasyonun \u00fczerinde reel olarak y\u00fczde 30 b\u00fcy\u00fcyor. \u00dcnsal<\/strong>, ekosistemin \u00f6deme kurulu\u015flar\u0131yla s\u0131n\u0131rl\u0131 olmad\u0131\u011f\u0131n\u0131 dijital kredi, temel bankac\u0131l\u0131k sistemleri ve yurt d\u0131\u015f\u0131na hizmet veren finansal yaz\u0131l\u0131m \u015firketlerinin de h\u0131zla geli\u015fti\u011fini vurgulad\u0131. \u00dcnsal'a<\/strong> g\u00f6re farkl\u0131 pazarlara a\u00e7\u0131lan T\u00fcrk teknoloji \u015firketlerine yabanc\u0131 yat\u0131r\u0131mc\u0131 ilgisi s\u00fcr\u00fcyor. Yat\u0131r\u0131mc\u0131lar kurumsal y\u00f6netim, \u015feffafl\u0131k, d\u00f6viz baz\u0131nda b\u00fcy\u00fcme ve makroekonomik dalgalanmalara dayan\u0131kl\u0131l\u0131k ar\u0131yor.<\/span><\/p>

DenizPay CEO'su Yal\u0131n \u00d6zcan<\/span><\/strong>, T\u00fcrkiye'nin bankac\u0131l\u0131k ve fintek alan\u0131nda d\u00fcnyan\u0131n ilerisinde oldu\u011funu, taksitli ve temass\u0131z \u00f6deme gibi \u00e7\u00f6z\u00fcmlerin d\u00fcnyada ilk kez T\u00fcrkiye'de hayata ge\u00e7ti\u011fini hat\u0131rlatt\u0131. \u00d6zcan'a<\/strong> g\u00f6re fintekler, bankalar\u0131n ula\u015fmakta zorland\u0131\u011f\u0131 k\u00fc\u00e7\u00fck sat\u0131c\u0131lara eri\u015ferek POS edinme ve hesap a\u00e7ma gibi s\u00fcre\u00e7leri h\u0131zland\u0131rd\u0131. \u0130lk d\u00f6nemde bankalar\u0131n altyap\u0131s\u0131 ile finteklerin \u00e7evikli\u011fi birbirini tamamlarken, zamanla ayn\u0131 m\u00fc\u015fteri gruplar\u0131na y\u00f6nelmeleri iki taraf aras\u0131ndaki rekabeti art\u0131rd\u0131.<\/span><\/p>

Rekabetin yeni \u00f6l\u00e7\u00fcs\u00fc: G\u00fcven ve m\u00fc\u015fteri hareketlili\u011fi<\/span><\/strong><\/p>

ColendiBank Kurucu Orta\u011f\u0131 ve CEO'su Deniz Devrim Cengiz'e<\/span><\/strong>\u00a0g\u00f6re T\u00fcrkiye'de tasarruf oran\u0131n\u0131n y\u00fczde 10 seviyesinde kalmas\u0131, POS ve online harcamalar\u0131n b\u00fcy\u00fcmesini besliyor. Ancak bankalar\u0131n sekt\u00f6re girmesiyle rekabet sertle\u015fti. Faizle kazan\u0131lan m\u00fc\u015fteri yine faizle kaybedilir hale geldi. Kal\u0131c\u0131 ili\u015fkinin temelinde g\u00fcven oldu\u011funu vurgulayan Cengiz<\/strong>, ba\u015far\u0131n\u0131n \u00f6l\u00e7\u00fcs\u00fcn\u00fcn art\u0131k m\u00fc\u015fteri say\u0131s\u0131 de\u011fil m\u00fc\u015fteri hareketlili\u011fi oldu\u011funu, g\u00fcvenin ise m\u00fc\u015fteri ad\u0131na verilen kararlar\u0131n gerek\u00e7esini anla\u015f\u0131l\u0131r bi\u00e7imde g\u00f6sterebilmekle g\u00fc\u00e7lendi\u011fini s\u00f6yledi.<\/span><\/p>

Yeni giri\u015fimlere alan, s\u0131n\u0131r \u00f6tesine a\u00e7\u0131l\u0131m<\/span><\/strong><\/p>

Lidio Kurucu Orta\u011f\u0131 ve CEO'su Emre G\u00fczer<\/span><\/strong>, bir bankada \u00e7al\u0131\u015ft\u0131\u011f\u0131 y\u0131llarda Yemeksepeti'nin ihtiya\u00e7 duydu\u011fu \u00e7evrimi\u00e7i \u00f6deme \u00e7\u00f6z\u00fcm\u00fcn\u00fc sunamad\u0131klar\u0131n\u0131 anlatt\u0131. Bu bo\u015flu\u011fu dolduran \u00f6deme kurulu\u015flar\u0131 pek \u00e7ok giri\u015fimin tahsilat yapabilmesini sa\u011flad\u0131. G\u00fczer'e<\/strong> g\u00f6re bug\u00fcnk\u00fc sermaye gereklilikleri o y\u0131llarda olsayd\u0131 bu giri\u015fimlerin bir k\u0131sm\u0131 hi\u00e7 do\u011famayabilirdi. G\u00fczer<\/strong>, Lidio'nun TROY gibi yerel kart \u015femalar\u0131n\u0131n uluslararas\u0131 i\u015fletmelerde daha geni\u015f kabul g\u00f6rmesi ve farkl\u0131 \u00fclkelerin yerel \u00f6deme a\u011flar\u0131 aras\u0131nda ba\u011flant\u0131 kurulmas\u0131 \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131, Afrika ve Orta Do\u011fu'nun bu a\u00e7\u0131dan \u00f6ne \u00e7\u0131kan pazarlar oldu\u011funu belirtti. Yapay zek\u00e2 ara\u00e7lar\u0131 yayg\u0131nla\u015ft\u0131k\u00e7a \u00e7al\u0131\u015fanlar\u0131n hangi veriyi hangi sisteme aktard\u0131\u011f\u0131n\u0131n \u00f6nemli bir g\u00fcvenlik ba\u015fl\u0131\u011f\u0131na d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fcn de alt\u0131n\u0131 \u00e7izdi.<\/span><\/p>

Finberg Yat\u0131r\u0131m ve Strateji Direkt\u00f6r\u00fc Gaye \u00d6r<\/span><\/strong>, lisans, sermaye ve operasyon gerekliliklerinin, az say\u0131da kullan\u0131c\u0131yla \u00fcr\u00fcn\u00fcn\u00fc test etmek isteyen gen\u00e7 ekiplerin kar\u015f\u0131s\u0131na daha ba\u015flang\u0131\u00e7ta \u00e7\u0131kt\u0131\u011f\u0131n\u0131 s\u00f6yledi. \u00d6<\/strong>r<\/strong>, bug\u00fcn \u00e7al\u0131\u015fanlar\u0131n bireysel verimlili\u011finde g\u00f6r\u00fclen art\u0131\u015f\u0131n \u015firketlerin b\u00fct\u00fcn s\u00fcre\u00e7lerine ayn\u0131 \u00f6l\u00e7\u00fcde yans\u0131mad\u0131\u011f\u0131n\u0131 da belirtti. \u00d6<\/strong>r'a<\/strong> g\u00f6re i\u015f modelini kurulu\u015f a\u015famas\u0131ndan itibaren yapay zek\u00e2 etraf\u0131nda tasarlayan giri\u015fimler \u00f6ne \u00e7\u0131kacak. Yat\u0131r\u0131mc\u0131lar\u0131n da yapay zek\u00e2 iddias\u0131n\u0131 ger\u00e7ek kullan\u0131m ve \u00f6l\u00e7\u00fclebilir sonu\u00e7larla s\u0131namas\u0131 gerekiyor.<\/span><\/p>

B\u00fcy\u00fcmenin altyap\u0131s\u0131: G\u00fcvenli ve reg\u00fclasyon uyumlu bulut<\/span><\/strong><\/p>

Toplant\u0131da \u00f6ne \u00e7\u0131kan ba\u015fl\u0131klar\u0131n ortak noktas\u0131, g\u00fcvenli ve denetlenebilir teknoloji altyap\u0131s\u0131yd\u0131. DT Cloud CCO'su Orkan Aytulun,<\/strong> ticari i\u015flemlerde tahsilat\u0131n yan\u0131 s\u0131ra \u00f6deme g\u00fcvencesi ve i\u015f s\u00fcreklili\u011finin \u00f6nemine dikkat \u00e7ekti.<\/span><\/p>

DT Cloud Kurucu CEO'su Tolga Din\u00e7er,<\/span><\/strong>\u00a0toplant\u0131ya ili\u015fkin de\u011ferlendirmesinde \u015funlar\u0131 s\u00f6yledi: \"T\u00fcrkiye, \u00f6deme i\u015flemlerini ger\u00e7ekle\u015ftiren uygulamalarda \u00e7ok g\u00fc\u00e7l\u00fc bir noktaya ula\u015ft\u0131. Bundan sonraki b\u00fcy\u00fck f\u0131rsat, bu i\u015flem verisini ticari kararlara d\u00f6n\u00fc\u015ft\u00fcrebilmekte. Biz bu alan\u0131 i\u015flem zek\u00e2s\u0131 olarak tan\u0131ml\u0131yoruz. Ancak finans gibi reg\u00fclasyona tabi bir alanda yapay zek\u00e2n\u0131n de\u011feri, verdi\u011fi karar\u0131n gerek\u00e7esini a\u00e7\u0131klayabildi\u011fi \u00f6l\u00e7\u00fcde kal\u0131c\u0131 olur. Kredi ba\u015fvurusu reddedilen bir m\u00fc\u015fterinin dosyas\u0131n\u0131 d\u00fczenleyici kurum aylar sonra inceledi\u011finde, kurumun bu karar\u0131n nedenini a\u00e7\u0131k\u00e7a ortaya koyabilmesi gerekir. Bu nedenle karar deste\u011fi sunan yapay zek\u00e2 ile do\u011frudan karar veren sistemleri ayr\u0131 tasarlamal\u0131, kay\u0131t ve izlenebilirli\u011fi mimarinin par\u00e7as\u0131 haline getirmeliyiz. Fintekler yak\u0131n gelecekte i\u015flem ba\u015f\u0131na maliyetin yan\u0131na yapay zek\u00e2 modellerinin token t\u00fcketimini ve hesaplama g\u00fcc\u00fc ihtiyac\u0131n\u0131 da eklemek zorunda kalacak. DT Cloud olarak verinin T\u00fcrkiye'de tutulmas\u0131n\u0131, sistem \u00fczerindeki kontrol\u00fcn ve denetim izlerinin de yerelde kalmas\u0131yla tamaml\u0131yoruz. Bu altyap\u0131y\u0131 veri analiti\u011fi ve mod\u00fcler AI Factory \u00e7al\u0131\u015fmalar\u0131m\u0131zla, finans kurulu\u015flar\u0131n\u0131n kendi verileri \u00fczerinde \u00e7al\u0131\u015fabilen yapay zek\u00e2 kapasitesine d\u00f6n\u00fc\u015ft\u00fcr\u00fcyoruz.\"<\/span><\/p><\/td><\/tr><\/table><\/td><\/tr>

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Ek Dosyalar<\/h2><\/td><\/tr>

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CID: y4vHl,4,28894,1277350-1012289-lambda 1.1
Bu epostay\u0131 g\u00f6r\u00fcnt\u00fclemekte zorluk ya\u015f\u0131yorsan\u0131z: L\u00fctfen t\u0131klay\u0131n\u0131z<\/a>.<\/td><\/tr><\/table><\/td><\/tr><\/table><\/td><\/tr><\/table>
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