{"id":531,"date":"2026-07-06T10:54:10","date_gmt":"2026-07-06T07:54:10","guid":{"rendered":"https:\/\/fintech.mercek.net\/news\/?p=531"},"modified":"2026-07-23T15:56:16","modified_gmt":"2026-07-23T12:56:16","slug":"dijital-varliklar-jeopolitik-rekabetin-yeni-cephesi-haline-geldi","status":"publish","type":"post","link":"https:\/\/fintech.mercek.net\/news\/2026\/07\/06\/dijital-varliklar-jeopolitik-rekabetin-yeni-cephesi-haline-geldi\/","title":{"rendered":"Dijital Varl\u0131klar Jeopolitik Rekabetin Yeni Cephesi Haline Geldi"},"content":{"rendered":"<h2><strong>Dijital varl\u0131klar\u0131n b\u00fcy\u00fcme ve rekabet g\u00fcc\u00fc a\u00e7\u0131s\u0131ndan stratejik \u00f6nem kazanmas\u0131yla tokenizasyon, k\u00fcresel finans merkezleri aras\u0131nda yeni bir rekabet alan\u0131na d\u00f6n\u00fc\u015f\u00fcyor. KPMG&#8217;nin yeni analizine g\u00f6re dijital varl\u0131klar ve tokenizasyon pazar\u0131ndaki k\u00fcresel liderlik yar\u0131\u015f\u0131, Avrupa finans merkezlerindeki yasal d\u00fczenlemeleri ve altyap\u0131 \u00e7al\u0131\u015fmalar\u0131n\u0131 h\u0131zland\u0131rd\u0131.<\/strong><\/h2>\n<p>H\u00fck\u00fbmetlerin dijital varl\u0131klar\u0131n ekonomik b\u00fcy\u00fcme ve rekabet g\u00fcc\u00fcn\u00fc art\u0131rma potansiyelini stratejik bir unsur olarak g\u00f6rmesiyle birlikte, bu alan k\u00fcresel \u00f6l\u00e7ekte <strong>jeopolitik bir rekabet alan\u0131na<\/strong> d\u00f6n\u00fc\u015ft\u00fc. D\u00fcnyan\u0131n \u00f6nde gelen finans merkezleri; stablecoin&#8217;ler, merkez bankas\u0131 dijital para birimleri (CBDC), teminata dayanmayan kripto varl\u0131klar ve tokenle\u015ftirilmi\u015f varl\u0131klar i\u00e7in d\u00fczenleyici \u00e7er\u00e7eveleri olu\u015fturmak, gerekli altyap\u0131y\u0131 geli\u015ftirmek ve pazarda lider konum elde etmek amac\u0131yla h\u0131zla ad\u0131mlar at\u0131yor.<\/p>\n<p>Buna kar\u015f\u0131n, bir\u00e7ok geli\u015fme Avrupa&#8217;n\u0131n bu yar\u0131\u015fta geride kald\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Stablecoin&#8217;lerin neredeyse tamam\u0131 ABD dolar\u0131 bazl\u0131 olurken, Asya&#8217;n\u0131n finans merkezleri politika hedeflerini somut uygulamalara d\u00f6n\u00fc\u015ft\u00fcr\u00fcyor. Singapur&#8217;un Project Guardian giri\u015fimi pilot a\u015famay\u0131 geride b\u0131rakarak ticarile\u015fme s\u00fcrecine ge\u00e7erken, \u00c7in&#8217;in Hong Kong \u00d6zel \u0130dari B\u00f6lgesi de d\u00fczenleyici test ortamlar\u0131ndan ger\u00e7ek de\u011fer ta\u015f\u0131yan i\u015flemlere ge\u00e7i\u015f yapt\u0131.<\/p>\n<p><strong>KPMG<\/strong> yay\u0131mlad\u0131\u011f\u0131 yeni analizinde; Birle\u015fik Krall\u0131k, Avrupa Birli\u011fi ve \u0130svi\u00e7re&#8217;ye odaklanarak Avrupa&#8217;da yeni yeni h\u0131z kazanan tokenizasyon g\u00fcndemini inceledi. \u00c7al\u0131\u015fmada bug\u00fcne kadar kaydedilen ilerleme, bundan sonra at\u0131lmas\u0131 gereken ad\u0131mlar ve bu geli\u015fmelerin Avrupa&#8217;n\u0131n k\u00fcresel finans merkezi olma konumu ile rekabet g\u00fcc\u00fc \u00fczerindeki olas\u0131 etkileri de\u011ferlendiriliyor.<\/p>\n<h3><strong>\u201cAB, d\u00fczenleyici ayr\u0131nt\u0131lar\u0131 netle\u015ftirerek aradaki fark\u0131 kapatmaya \u00e7al\u0131\u015f\u0131yor\u201d<\/strong><\/h3>\n<p>Konu hakk\u0131nda g\u00f6r\u00fc\u015flerini payla\u015fan <strong>KPMG T\u00fcrkiye Fintech ve Dijital Finans Lideri Sinem Cant\u00fcrk<\/strong>, \u201cAvrupa&#8217;daki b\u00fcy\u00fck pazarlar tokenizasyon konusunda farkl\u0131 olgunluk seviyelerinde ilerliyor. <strong>Avrupa Birli\u011fi<\/strong>, kripto varl\u0131klara y\u00f6nelik d\u00fczenleyici \u00e7er\u00e7eve geli\u015ftirmede erken hareket etmi\u015f olsa da, tokenle\u015ftirilmi\u015f varl\u0131klara odaklanmas\u0131 s\u0131n\u0131rl\u0131 oldu ve \u015fimdi tokenizasyonu m\u00fcmk\u00fcn k\u0131lacak d\u00fczenleyici ayr\u0131nt\u0131lar\u0131 netle\u015ftirerek aradaki fark\u0131 kapatmaya \u00e7al\u0131\u015f\u0131yor. <strong>Birle\u015fik Krall\u0131k<\/strong>&#8216;\u0131n \u00f6nerdi\u011fi tokenizasyon \u00e7er\u00e7evesi makul ve anla\u015f\u0131l\u0131r g\u00f6r\u00fcnse de, tasar\u0131m ve uygulama s\u00fcrecinin h\u0131z\u0131 h\u00e2l\u00e2 soru i\u015faretleri yarat\u0131yor; nihai \u00e7er\u00e7evenin 2028&#8217;den \u00f6nce tamamlanmas\u0131 beklenmiyor. Buna kar\u015f\u0131l\u0131k <strong>\u0130svi\u00e7re<\/strong>, d\u00fczenleyici \u00e7er\u00e7evesini olu\u015fturma s\u00fcrecinin en ba\u015f\u0131ndan itibaren tokenizasyonu dikkate ald\u0131\u011f\u0131 i\u00e7in politikay\u0131 uygulamaya d\u00f6n\u00fc\u015ft\u00fcrme konusunda daha ileri bir noktada bulunuyor. Bu yakla\u015f\u0131m\u0131n sonu\u00e7 verdi\u011fi g\u00f6r\u00fcl\u00fcyor ve AB ile Birle\u015fik Krall\u0131k&#8217;\u0131n benzer bir denge kurabilmesi h\u00e2linde tokenizasyonun Avrupa genelinde yayg\u0131nla\u015farak h\u00fck\u00fcmetlerin hedefledi\u011fi b\u00fcy\u00fcme ve rekabet g\u00fcc\u00fcn\u00fc destekleyebilece\u011fine i\u015faret ediyor.\u201d dedi.<\/p>\n<p>Ulusal d\u00fczeyde d\u00fczenleyici kurumlar\u0131n y\u00fcr\u00fctt\u00fc\u011f\u00fc \u00e7al\u0131\u015fmalara ek olarak, <strong>uluslararas\u0131 i\u015f birliklerinin<\/strong> tokenizasyon politikas\u0131ndaki temel denge aray\u0131\u015f\u0131n\u0131 da ortaya koydu\u011funa dikkat \u00e7eken Cant\u00fcrk \u015fu de\u011ferlendirmede bulundu: \u201cBir yandan \u00fclkeler ve d\u00fczenleyici b\u00f6lgeler aras\u0131nda rekabet s\u00fcrerken, di\u011fer yandan <strong>s\u0131n\u0131r \u00f6tesi birlikte \u00e7al\u0131\u015fabilirli\u011fin<\/strong> sa\u011flanmas\u0131 gerekiyor. \u0130ngiltere Finansal Y\u00fcr\u00fctme Otoritesi&#8217;nin Uluslararas\u0131 Menkul K\u0131ymet Kurullar\u0131 Organizasyonu ile \u00e7al\u0131\u015fmalar\u0131, Avrupa Bankac\u0131l\u0131k Otoritesi&#8217;in New York Eyaleti Finansal Hizmetler Departman\u0131 ile imzalad\u0131\u011f\u0131 mutabakat zapt\u0131 ve Uluslararas\u0131 \u00d6demeler Bankas\u0131&#8217;n\u0131n Project Agora giri\u015fimi gibi \u00f6rnekler, tokenle\u015ftirilmi\u015f piyasalar\u0131n tamamen rekabete dayal\u0131 yakla\u015f\u0131mlardan ziyade <strong>koordineli ad\u0131mlarla<\/strong> daha sa\u011fl\u0131kl\u0131 geli\u015febilece\u011fini g\u00f6steriyor. Orta vadede \u00f6nceli\u011fin, tokenle\u015ftirilmi\u015f piyasalar\u0131n \u00f6l\u00e7eklenmesini destekleyecek hukuki ve d\u00fczenleyici temellerin yan\u0131 s\u0131ra <strong>\u00fclkeler<\/strong>, <strong>sekt\u00f6rler<\/strong> ve <strong>altyap\u0131lar<\/strong> aras\u0131nda daha g\u00fc\u00e7l\u00fc <strong>koordinasyon<\/strong> kurulmas\u0131 olmas\u0131 bekleniyor. \u015eirketler a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda ise d\u00fczenleyici \u00e7er\u00e7eveler netle\u015fmeye ba\u015flad\u0131k\u00e7a, inovasyon f\u0131rsatlar\u0131n\u0131n gerekli teknoloji yat\u0131r\u0131mlar\u0131yla desteklenmesi ve tokenle\u015ftirilmi\u015f varl\u0131klara y\u00f6nelik risk ve uyum s\u00fcre\u00e7lerinin g\u00fc\u00e7lendirilmesi kritik \u00f6nem ta\u015f\u0131yor.\u201d<\/p>\n<h3><strong>Avrupa&#8217;n\u0131n tokenizasyon stratejileri<\/strong><\/h3>\n<p>Dijital varl\u0131klar ve tokenizasyon ekosistemi, k\u00fcresel finans pazar\u0131nda kal\u0131c\u0131 bir yer edinirken Avrupa genelinde de reg\u00fclasyon ve uygulama s\u00fcre\u00e7leri h\u0131z kazan\u0131yor. <strong>KPMG<\/strong>&#8216;nin analizinde Avrupa Birli\u011fi&#8217;nin finansal gelece\u011fine y\u00f6n veren geli\u015fmeler \u015fu ba\u015fl\u0131klar alt\u0131nda \u00f6zetleniyor:<\/p>\n<h3><strong>Birle\u015fik Krall\u0131k&#8217;ta Tokenizasyon<\/strong><\/h3>\n<ul>\n<li><strong>M\u00fclkiyet Haklar\u0131nda Yasal Netlik:<\/strong> 2025 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren Birle\u015fik Krall\u0131k M\u00fclkiyet (Dijital Varl\u0131klar vb.) Yasas\u0131, dijital varl\u0131klar\u0131n ki\u015fisel m\u00fclkiyet olarak tan\u0131nabilece\u011fini onaylayarak piyasa akt\u00f6rleri ve d\u00fczenleyiciler i\u00e7in sa\u011flam bir yasal temel olu\u015fturdu.<\/li>\n<li><strong>Dijital Menkul K\u0131ymetler Deneme Ortam\u0131 (DSS):<\/strong> \u0130ngiltere Merkez Bankas\u0131 (BoE) ile Finansal Y\u00fcr\u00fctme Otoritesi (FCA) taraf\u0131ndan 2024 y\u0131l\u0131nda hayata ge\u00e7irilen Dijital Menkul K\u0131ymetler Deneme Ortam\u0131 (DSS), Birle\u015fik Krall\u0131k&#8217;taki \u015firketlere finansal menkul k\u0131ymetlerin ihrac\u0131, al\u0131m sat\u0131m\u0131 ve takas\u0131nda da\u011f\u0131t\u0131k defter teknolojisini uyarlanm\u0131\u015f bir d\u00fczenleyici \u00e7er\u00e7eve alt\u0131nda ger\u00e7ek ko\u015fullarda test etme imk\u00e2n\u0131 sunuyor. \u0130ki y\u0131ll\u0131k uygulaman\u0131n ard\u0131ndan program\u0131n oda\u011f\u0131, ilk deneme a\u015famas\u0131ndan ger\u00e7ek i\u015flemlerin ger\u00e7ekle\u015ftirildi\u011fi uygulama ve \u00f6l\u00e7eklendirme s\u00fcrecine kaym\u0131\u015f durumda.<\/li>\n<li><strong>Ortak Toptan Piyasa Vizyonu ve Yol Haritas\u0131:<\/strong> FCA ile BoE, May\u0131s 2026&#8217;da Birle\u015fik Krall\u0131k&#8217;\u0131n toptan finans piyasalar\u0131nda tokenizasyona y\u00f6nelik ortak vizyonlar\u0131na ili\u015fkin bir g\u00f6r\u00fc\u015f alma s\u00fcreci ba\u015flatt\u0131. Bu s\u00fcre\u00e7ten elde edilecek \u00e7\u0131kt\u0131lar\u0131n, 2026 y\u0131l\u0131 sonuna kadar haz\u0131rlanmas\u0131 planlanan nihai yol haritas\u0131na y\u00f6n vermesi hedefleniyor.<\/li>\n<li><strong>Programlanabilir Mutabakat Hedefi:<\/strong> D\u00fczenleyici kurumlar, 2028 y\u0131l\u0131na kadar dijital varl\u0131k defterlerinin merkez bankas\u0131 paras\u0131yla programlanabilir mutabakat s\u00fcre\u00e7lerine eri\u015febilmesini ve bir senkronizasyon hizmetinin hayata ge\u00e7irilmesini hedefliyor.<\/li>\n<\/ul>\n<h3><strong>AB&#8217;de Tokenizasyon<\/strong><\/h3>\n<ul>\n<li><strong>MiCA Sonras\u0131 Kapsam Geni\u015fletme:<\/strong> AB, 2024 sonunda tamamen y\u00fcr\u00fcrl\u00fc\u011fe giren Kripto Varl\u0131k Piyasalar\u0131 D\u00fczenlemesi (MiCA) sayesinde daha olgun bir kurumsal yap\u0131ya sahip olsa da dijital varl\u0131klar\u0131n geleneksel sermaye piyasalar\u0131yla kesi\u015fimini incelemek amac\u0131yla May\u0131s 2025&#8217;te yeni bir isti\u015fare s\u00fcreci ba\u015flatt\u0131.<\/li>\n<li><strong>Hukuki Belirsizliklerin Giderilmesi:<\/strong> Avrupa Komisyonu&#8217;nun y\u00fcr\u00fctt\u00fc\u011f\u00fc \u00e7al\u0131\u015fma; blok zincirindeki bir token&#8217;\u0131 kontrol etmenin yasal m\u00fclkiyet te\u015fkil edip etmedi\u011fi, saklama, teminat mekanizmalar\u0131 ve \u00fcye \u00fclkeler genelindeki iflas s\u00fcre\u00e7leri gibi temel yasal konulara odaklan\u0131yor.<\/li>\n<li><strong>Mevzuat Rejimlerinin Entegrasyonu:<\/strong> \u015eu anda geleneksel menkul k\u0131ymet kurallar\u0131 (MiFID ve CSDR) tokenle\u015ftirilmi\u015f varl\u0131klara da uygulan\u0131yor, ancak isti\u015fare s\u00fcrecinde, finansal ara\u00e7 niteli\u011findeki kripto varl\u0131klar\u0131n da prensipte MiCA kapsam\u0131na al\u0131n\u0131p al\u0131nmamas\u0131 gerekti\u011fi tart\u0131\u015f\u0131l\u0131yor.<\/li>\n<li><strong>DLT Pilot Rejimi Reformu:<\/strong> 2022&#8217;de ba\u015flat\u0131lan DLT Pilot Rejimi&#8217;ne (DLTR) kat\u0131l\u0131m\u0131n d\u00fc\u015f\u00fck kalmas\u0131 \u00fczerine AB, uygun enstr\u00fcmanlar\u0131n kapsam\u0131n\u0131 geni\u015fleterek ve i\u015flem limitlerini art\u0131rarak rejimi ticari olarak daha uygulanabilir k\u0131lmak ad\u0131na yeni bir reform paketi (MISP) haz\u0131rlad\u0131.<\/li>\n<li><strong>Merkez Bankas\u0131 Teminat Kabul\u00fc:<\/strong> D\u00fczenleyici netlik aray\u0131\u015flar\u0131n\u0131n yan\u0131 s\u0131ra, Avrupa Merkez Bankas\u0131 (ECB) Nisan 2026&#8217;dan itibaren DLT platformlar\u0131nda ihra\u00e7 edilen varl\u0131klar\u0131 resmi olarak uygun teminat olarak kabul etmeye ba\u015flad\u0131.<\/li>\n<\/ul>\n<h3><strong>\u0130svi\u00e7re&#8217;de Tokenizasyon<\/strong><\/h3>\n<ul>\n<li><strong>Kapsay\u0131c\u0131 DLT Yasas\u0131:<\/strong> \u0130svi\u00e7re&#8217;deki dijital varl\u0131k d\u00fczenlemeleri AB ve Birle\u015fik Krall\u0131k&#8217;tan daha olgun. A\u011fustos 2021&#8217;de y\u00fcr\u00fcrl\u00fc\u011fe giren DLT Yasas\u0131, tokenle\u015ftirilmi\u015f menkul k\u0131ymetleri en ba\u015f\u0131ndan itibaren mevzuata dahil ederek pazara erken bir netlik kazand\u0131rd\u0131.<\/li>\n<li><strong>\u0130lk Lisansl\u0131 DLT \u0130\u015flem Platformu:<\/strong> Bu yasal netli\u011fin net bir sonucu olarak FINMA, Mart 2025&#8217;te tam d\u00fczenleyici denetime sahip olan ve blok zinciri \u00fczerinde tokenle\u015ftirilmi\u015f menkul k\u0131ymetlerin ticaret ve mutabakat\u0131na izin veren ilk resmi DLT i\u015flem platformunu onaylad\u0131.<\/li>\n<li><strong>Milyar Frank Baraj\u0131n\u0131 A\u015fan \u0130hra\u00e7lar:<\/strong> \u0130svi\u00e7re&#8217;nin esnek rejimi ger\u00e7ek d\u00fcnyada kar\u015f\u0131l\u0131k bulmu\u015f ve tam d\u00fczenlenmi\u015f bir dijital varl\u0131k borsas\u0131 ile saklama kurulu\u015fu olan SIX Digital Exchange (SDX), D\u00fcnya Bankas\u0131&#8217;n\u0131n 200 milyon frankl\u0131k dijital tahvili de dahil olmak \u00fczere May\u0131s 2024 itibar\u0131yla k\u00fcm\u00fclatif olarak 1 milyar \u0130svi\u00e7re frang\u0131n \u00fczerinde dijital ihra\u00e7 ger\u00e7ekle\u015ftirdi.<\/li>\n<li><strong>Yasal \u00c7er\u00e7evenin \u0130stikrar\u0131:<\/strong> 2021 y\u0131l\u0131ndan bu yana DLT Yasas\u0131 \u00fczerinde hi\u00e7bir de\u011fi\u015fiklik yap\u0131lmam\u0131\u015f olmas\u0131, \u00fclkenin kurdu\u011fu orijinal \u00e7er\u00e7evenin uygulamada ne kadar ba\u015far\u0131l\u0131 ve dayan\u0131kl\u0131 oldu\u011funu g\u00f6stermesi a\u00e7\u0131s\u0131ndan dikkat \u00e7ekiyor.<\/li>\n<li><strong>Gelece\u011fe Y\u00f6nelik Yeni Lisans Tipleri:<\/strong> Mevcut yasan\u0131n ba\u015far\u0131s\u0131 \u00fczerine \u0130svi\u00e7re h\u00fck\u00fcmeti, Ekim 2025&#8217;te Finansal Kurumlar Yasas\u0131&#8217;nda de\u011fi\u015fiklik yapmak \u00fczere bir isti\u015fare ba\u015flatarak stablecoin ihra\u00e7\u00e7\u0131lar\u0131 i\u00e7in \u201c\u00f6deme arac\u0131 kurumlar\u0131\u201d ve kripto broker\/saklama hizmetleri i\u00e7in \u201ckripto kurumlar\u0131\u201d ad\u0131yla iki yeni lisans kategorisi \u00f6nerdi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>KPMG analizine g\u00f6re tokenizasyon, k\u00fcresel finans merkezleri aras\u0131nda yeni bir rekabet alan\u0131na d\u00f6n\u00fc\u015f\u00fcyor.<\/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":"[]","_ecomap_related_org_ids":"","_ecomap_match_confidence":0.9,"_ecomap_email_message_id":"19f3662806097411","_ecomap_email_from":"info@no165.net","_ecomap_editor_notes":"Kaynak b\u00fcltenden e-posta HTML temizli\u011fi yap\u0131ld\u0131, altbilgi ve abonelikten \u00e7\u0131kma ba\u011flant\u0131lar\u0131 kald\u0131r\u0131ld\u0131. \u015eirket profili b\u00f6l\u00fcm\u00fc (KPMG Hakk\u0131nda) g\u00f6vdeden \u00e7\u0131kar\u0131ld\u0131. Ba\u015fl\u0131k ve alt ba\u015fl\u0131k d\u00fczenlendi, spot h2 olarak i\u015faretlendi, alt ba\u015fl\u0131klar h3 olarak yap\u0131land\u0131r\u0131ld\u0131. Metin hafif d\u00fczeltildi.","_ecomap_original_body":"\r\n\r\n\r\n\r\n\r\n<div style=\"display: none; font-size: 1px; color: ##fafafa; line-height: 1px; font-family: Helvetica, Arial, sans-serif; max-height: 0px; max-width: 0px; opacity: 0; overflow: hidden;\">\r\n    Dijital varl\u0131klar jeopolitik rekabetin yeni cephesi haline geldi<\/div>\r\n\r\n\r\n<table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\">\r\n    \r\n    \r\n    \r\n       \r\n    \r\n    \r\n    <tr>\r\n    \r\n        <td bgcolor=\"#fafafa\" align=\"center\" style=\"padding: 30px 10px 10px 10px;\">\r\n            \r\n            <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" style=\"max-width: 700px;\">\r\n                \r\n                <tr>\r\n                  <td align=\"center\" style=\"padding: 0px 30px 0px 30px; border-radius: 4px 4px 4px 4px; color: #FFFFFF; font-family: verdana,Arial, sans-serif; font-size: 14px; font-weight: 400; line-height: 25px;\">\r\n                  \r\n                 <p style=\"color:#9e9e9e;\"> <a href=\"#dosya\" style=\"color:#9e9e9e; text-decoration:none; font-size:10px;\">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    <tr>\r\n        <td bgcolor=\"#fafafa\" align=\"center\" style=\"padding: 0px 10px 0px 10px;\">\r\n            \r\n            <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" style=\"max-width: 700px;\">\r\n              \r\n              <tr>\r\n                <td bgcolor=\"#ffffff\" align=\"left\" style=\"border:2px solid #e6e6e6;  padding: 42px 42px 42px 42px; font-family: verdana, Arial, sans-serif; font-size: 15px; font-weight: 400; line-height:auto;\">\r\n                \r\n  \r\n\r\n\r\n\r\n\r\n<span style=\"font-size:16px;\">KPMG T\u00fcrkiye Bas\u0131n B\u00fclteni<\/span>\r\n<table width=\"100%\">\r\n<tr>\r\n\t<td style=\"height:2px; margin:0px; padding:0px;\">\r\n\t\t<hr color=\"#c51617\" style=\"color:#c51617; background-color: #c51617; height: 1px; \">\r\n\t<\/td>\r\n<\/tr>\r\n<\/table>\r\n\r\n                \r\n                <br><br>\r\n                \r\n              \r\n                <div class=\"imagelogo\">\r\n\t\t\t\t<img src=\"https:\/\/storage.googleapis.com\/file-presspondence\/clients\/F34B0BC71611140201\/kpmg.png\" align=\"right\" hspace=\"10\" vspace=\"10\" alt=\"logo\">\r\n\t\t\t\t\r\n                <\/div>\r\n                \r\n               \r\n            \r\n                \t<p style=\"margin: 0;\">\r\n\r\n\r\n                    <span style=\"font-size:20px;\"><strong>Dijital varl\u0131klar jeopolitik rekabetin yeni cephesi haline geldi<\/strong><\/span><br>\r\n\u00a0<br>\r\n<span style=\"font-size:14px;\"><strong>Dijital varl\u0131klar\u0131n b\u00fcy\u00fcme ve rekabet g\u00fcc\u00fc a\u00e7\u0131s\u0131ndan stratejik \u00f6nem kazanmas\u0131yla tokenizasyon, k\u00fcresel finans merkezleri aras\u0131nda yeni bir rekabet alan\u0131na d\u00f6n\u00fc\u015f\u00fcyor. KPMG'nin yeni analizine g\u00f6re dijital varl\u0131klar ve tokenizasyon pazar\u0131ndaki k\u00fcresel liderlik yar\u0131\u015f\u0131, Avrupa finans merkezlerindeki yasal d\u00fczenlemeleri ve altyap\u0131 \u00e7al\u0131\u015fmalar\u0131n\u0131 h\u0131zland\u0131rd\u0131.<\/strong><\/span><br>\r\n\u00a0<br>\r\n<span style=\"font-size:12px;\">H\u00fck\u00fbmetlerin dijital varl\u0131klar\u0131n ekonomik b\u00fcy\u00fcme ve rekabet g\u00fcc\u00fcn\u00fc art\u0131rma potansiyelini stratejik bir unsur olarak g\u00f6rmesiyle birlikte, bu alan k\u00fcresel \u00f6l\u00e7ekte <strong>jeopolitik bir rekabet alan\u0131na<\/strong> d\u00f6n\u00fc\u015ft\u00fc. D\u00fcnyan\u0131n \u00f6nde gelen finans merkezleri; stablecoin'ler, merkez bankas\u0131 dijital para birimleri (CBDC), teminata dayanmayan kripto varl\u0131klar ve tokenle\u015ftirilmi\u015f varl\u0131klar i\u00e7in d\u00fczenleyici \u00e7er\u00e7eveleri olu\u015fturmak, gerekli altyap\u0131y\u0131 geli\u015ftirmek ve pazarda lider konum elde etmek amac\u0131yla h\u0131zla ad\u0131mlar at\u0131yor.<br>\r\n\u00a0<br>\r\nBuna kar\u015f\u0131n, bir\u00e7ok geli\u015fme Avrupa'n\u0131n bu yar\u0131\u015fta geride kald\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Stablecoin'lerin neredeyse tamam\u0131 ABD dolar\u0131 bazl\u0131 olurken, Asya'n\u0131n finans merkezleri politika hedeflerini somut uygulamalara d\u00f6n\u00fc\u015ft\u00fcr\u00fcyor. Singapur'un Project Guardian giri\u015fimi pilot a\u015famay\u0131 geride b\u0131rakarak ticarile\u015fme s\u00fcrecine ge\u00e7erken, \u00c7in'in Hong Kong \u00d6zel \u0130dari B\u00f6lgesi de d\u00fczenleyici test ortamlar\u0131ndan ger\u00e7ek de\u011fer ta\u015f\u0131yan i\u015flemlere ge\u00e7i\u015f yapt\u0131.<br>\r\n\u00a0<br>\r\nKPMG yay\u0131mlad\u0131\u011f\u0131 yeni analizinde; Birle\u015fik Krall\u0131k, Avrupa Birli\u011fi ve \u0130svi\u00e7re'ye odaklanarak Avrupa'da yeni yeni h\u0131z kazanan tokenizasyon g\u00fcndemini inceledi. \u00c7al\u0131\u015fmada bug\u00fcne kadar kaydedilen ilerleme, bundan sonra at\u0131lmas\u0131 gereken ad\u0131mlar ve bu geli\u015fmelerin Avrupa'n\u0131n k\u00fcresel finans merkezi olma konumu ile rekabet g\u00fcc\u00fc \u00fczerindeki olas\u0131 etkileri de\u011ferlendiriliyor.<br>\r\n\u00a0<br>\r\n<strong>\u201cAB, d\u00fczenleyici ayr\u0131nt\u0131lar\u0131 netle\u015ftirerek aradaki fark\u0131 kapatmaya \u00e7al\u0131\u015f\u0131yor\u201d<\/strong><br>\r\n\u00a0<br>\r\nKonu hakk\u0131nda g\u00f6r\u00fc\u015flerini payla\u015fan KPMG T\u00fcrkiye Fintech ve Dijital Finans Lideri Sinem Cant\u00fcrk, \u201cAvrupa'daki b\u00fcy\u00fck pazarlar tokenizasyon konusunda farkl\u0131 olgunluk seviyelerinde ilerliyor. <strong>Avrupa Birli\u011fi<\/strong>, kripto varl\u0131klara y\u00f6nelik d\u00fczenleyici \u00e7er\u00e7eve geli\u015ftirmede erken hareket etmi\u015f olsa da, tokenle\u015ftirilmi\u015f varl\u0131klara odaklanmas\u0131 s\u0131n\u0131rl\u0131 oldu ve \u015fimdi tokenizasyonu m\u00fcmk\u00fcn k\u0131lacak d\u00fczenleyici ayr\u0131nt\u0131lar\u0131 netle\u015ftirerek aradaki fark\u0131 kapatmaya \u00e7al\u0131\u015f\u0131yor. <strong>Birle\u015fik Krall\u0131k<\/strong>'\u0131n \u00f6nerdi\u011fi tokenizasyon \u00e7er\u00e7evesi makul ve anla\u015f\u0131l\u0131r g\u00f6r\u00fcnse de, tasar\u0131m ve uygulama s\u00fcrecinin h\u0131z\u0131 h\u00e2l\u00e2 soru i\u015faretleri yarat\u0131yor; nihai \u00e7er\u00e7evenin 2028'den \u00f6nce tamamlanmas\u0131 beklenmiyor. Buna kar\u015f\u0131l\u0131k <strong>\u0130svi\u00e7re<\/strong>, d\u00fczenleyici \u00e7er\u00e7evesini olu\u015fturma s\u00fcrecinin en ba\u015f\u0131ndan itibaren tokenizasyonu dikkate ald\u0131\u011f\u0131 i\u00e7in politikay\u0131 uygulamaya d\u00f6n\u00fc\u015ft\u00fcrme konusunda daha ileri bir noktada bulunuyor. Bu yakla\u015f\u0131m\u0131n sonu\u00e7 verdi\u011fi g\u00f6r\u00fcl\u00fcyor ve AB ile Birle\u015fik Krall\u0131k'\u0131n benzer bir denge kurabilmesi h\u00e2linde tokenizasyonun Avrupa genelinde yayg\u0131nla\u015farak h\u00fck\u00fcmetlerin hedefledi\u011fi b\u00fcy\u00fcme ve rekabet g\u00fcc\u00fcn\u00fc destekleyebilece\u011fine i\u015faret ediyor.\u201d dedi.<br>\r\n\u00a0<br>\r\nUlusal d\u00fczeyde d\u00fczenleyici kurumlar\u0131n y\u00fcr\u00fctt\u00fc\u011f\u00fc \u00e7al\u0131\u015fmalara ek olarak, <strong>uluslararas\u0131 i\u015f birliklerinin<\/strong> tokenizasyon politikas\u0131ndaki temel denge aray\u0131\u015f\u0131n\u0131 da ortaya koydu\u011funa dikkat \u00e7eken Cant\u00fcrk \u015fu de\u011ferlendirmede bulundu: \u201cBir yandan \u00fclkeler ve d\u00fczenleyici b\u00f6lgeler aras\u0131nda rekabet s\u00fcrerken, di\u011fer yandan <strong>s\u0131n\u0131r \u00f6tesi birlikte \u00e7al\u0131\u015fabilirli\u011fin<\/strong> sa\u011flanmas\u0131 gerekiyor.<br>\r\n\u0130ngiltere Finansal Y\u00fcr\u00fctme Otoritesi'nin Uluslararas\u0131 Menkul K\u0131ymet Kurullar\u0131 Organizasyonu ile \u00e7al\u0131\u015fmalar\u0131, Avrupa Bankac\u0131l\u0131k Otoritesi'in New York Eyaleti Finansal Hizmetler Departman\u0131 ile imzalad\u0131\u011f\u0131 mutabakat zapt\u0131 ve Uluslararas\u0131 \u00d6demeler Bankas\u0131'n\u0131n Project Agora giri\u015fimi gibi \u00f6rnekler, tokenle\u015ftirilmi\u015f piyasalar\u0131n tamamen rekabete dayal\u0131 yakla\u015f\u0131mlardan ziyade <strong>koordineli ad\u0131mlarla<\/strong> daha sa\u011fl\u0131kl\u0131 geli\u015febilece\u011fini g\u00f6steriyor. Orta vadede \u00f6nceli\u011fin, tokenle\u015ftirilmi\u015f piyasalar\u0131n \u00f6l\u00e7eklenmesini destekleyecek hukuki ve d\u00fczenleyici temellerin yan\u0131 s\u0131ra <strong>\u00fclkeler<\/strong>, <strong>sekt\u00f6rler<\/strong> ve <strong>altyap\u0131lar<\/strong> aras\u0131nda daha g\u00fc\u00e7l\u00fc <strong>koordinasyon<\/strong> kurulmas\u0131 olmas\u0131 bekleniyor. \u015eirketler a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda ise d\u00fczenleyici \u00e7er\u00e7eveler netle\u015fmeye ba\u015flad\u0131k\u00e7a, inovasyon f\u0131rsatlar\u0131n\u0131n gerekli teknoloji yat\u0131r\u0131mlar\u0131yla desteklenmesi ve tokenle\u015ftirilmi\u015f varl\u0131klara y\u00f6nelik risk ve uyum s\u00fcre\u00e7lerinin g\u00fc\u00e7lendirilmesi kritik \u00f6nem ta\u015f\u0131yor.\u201d<br>\r\n\u00a0<br>\r\n<strong>Avrupa'n\u0131n tokenizasyon stratejileri<\/strong><br>\r\n\u00a0<br>\r\nDijital varl\u0131klar ve tokenizasyon ekosistemi, k\u00fcresel finans pazar\u0131nda kal\u0131c\u0131 bir yer edinirken Avrupa genelinde de reg\u00fclasyon ve uygulama s\u00fcre\u00e7leri h\u0131z kazan\u0131yor. KPMG'nin analizinde Avrupa Birli\u011fi'nin finansal gelece\u011fine y\u00f6n veren geli\u015fmeler \u015fu ba\u015fl\u0131klar alt\u0131nda \u00f6zetleniyor:<br>\r\n\u00a0<br>\r\n<strong>Birle\u015fik Krall\u0131k'ta Tokenizasyon<\/strong><br>\r\n\u00a0<\/span>\r\n<\/p><ul>\r\n\t<li><span style=\"font-size:12px;\"><strong>M\u00fclkiyet Haklar\u0131nda Yasal Netlik<\/strong>: 2025 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren Birle\u015fik Krall\u0131k M\u00fclkiyet (Dijital Varl\u0131klar vb.) Yasas\u0131, dijital varl\u0131klar\u0131n ki\u015fisel m\u00fclkiyet olarak tan\u0131nabilece\u011fini onaylayarak piyasa akt\u00f6rleri ve d\u00fczenleyiciler i\u00e7in sa\u011flam bir yasal temel olu\u015fturdu.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Dijital Menkul K\u0131ymetler Deneme Ortam\u0131 (DSS):<\/strong> \u0130ngiltere Merkez Bankas\u0131 (BoE) ile Finansal Y\u00fcr\u00fctme Otoritesi (FCA) taraf\u0131ndan 2024 y\u0131l\u0131nda hayata ge\u00e7irilen Dijital Menkul K\u0131ymetler Deneme Ortam\u0131 (DSS), Birle\u015fik Krall\u0131k'taki \u015firketlere finansal menkul k\u0131ymetlerin ihrac\u0131, al\u0131m sat\u0131m\u0131 ve takas\u0131nda da\u011f\u0131t\u0131k defter teknolojisini uyarlanm\u0131\u015f bir d\u00fczenleyici \u00e7er\u00e7eve alt\u0131nda ger\u00e7ek ko\u015fullarda test etme imk\u00e2n\u0131 sunuyor. \u0130ki y\u0131ll\u0131k uygulaman\u0131n ard\u0131ndan program\u0131n oda\u011f\u0131, ilk deneme a\u015famas\u0131ndan ger\u00e7ek i\u015flemlerin ger\u00e7ekle\u015ftirildi\u011fi uygulama ve \u00f6l\u00e7eklendirme s\u00fcrecine kaym\u0131\u015f durumda.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Ortak Toptan Piyasa Vizyonu ve Yol Haritas\u0131<\/strong>: FCA ile BoE, May\u0131s 2026'da Birle\u015fik Krall\u0131k'\u0131n toptan finans piyasalar\u0131nda tokenizasyona y\u00f6nelik ortak vizyonlar\u0131na ili\u015fkin bir g\u00f6r\u00fc\u015f alma s\u00fcreci ba\u015flatt\u0131. Bu s\u00fcre\u00e7ten elde edilecek \u00e7\u0131kt\u0131lar\u0131n, 2026 y\u0131l\u0131 sonuna kadar haz\u0131rlanmas\u0131 planlanan nihai yol haritas\u0131na y\u00f6n vermesi hedefleniyor.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Programlanabilir Mutabakat Hedefi<\/strong>: D\u00fczenleyici kurumlar, 2028 y\u0131l\u0131na kadar dijital varl\u0131k defterlerinin merkez bankas\u0131 paras\u0131yla programlanabilir mutabakat s\u00fcre\u00e7lerine eri\u015febilmesini ve bir senkronizasyon hizmetinin hayata ge\u00e7irilmesini hedefliyor.<\/span><\/li>\r\n<\/ul>\r\n<span style=\"font-size:12px;\">\u00a0<br>\r\n<strong>AB'de Tokenizasyon<\/strong><br>\r\n\u00a0<\/span>\r\n\r\n<ul>\r\n\t<li><span style=\"font-size:12px;\"><strong>MiCA Sonras\u0131 Kapsam Geni\u015fletme:<\/strong> AB, 2024 sonunda tamamen y\u00fcr\u00fcrl\u00fc\u011fe giren Kripto Varl\u0131k Piyasalar\u0131 D\u00fczenlemesi (MiCA) sayesinde daha olgun bir kurumsal yap\u0131ya sahip olsa da dijital varl\u0131klar\u0131n geleneksel sermaye piyasalar\u0131yla kesi\u015fimini incelemek amac\u0131yla May\u0131s 2025'te yeni bir isti\u015fare s\u00fcreci ba\u015flatt\u0131.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Hukuki Belirsizliklerin Giderilmesi:<\/strong> Avrupa Komisyonu'nun y\u00fcr\u00fctt\u00fc\u011f\u00fc \u00e7al\u0131\u015fma; blok zincirindeki bir token'\u0131 kontrol etmenin yasal m\u00fclkiyet te\u015fkil edip etmedi\u011fi, saklama, teminat mekanizmalar\u0131 ve \u00fcye \u00fclkeler genelindeki iflas s\u00fcre\u00e7leri gibi temel yasal konulara odaklan\u0131yor.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Mevzuat Rejimlerinin Entegrasyonu:<\/strong> \u015eu anda geleneksel menkul k\u0131ymet kurallar\u0131 (MiFID ve CSDR) tokenle\u015ftirilmi\u015f varl\u0131klara da uygulan\u0131yor, ancak isti\u015fare s\u00fcrecinde, finansal ara\u00e7 niteli\u011findeki kripto varl\u0131klar\u0131n da prensipte MiCA kapsam\u0131na al\u0131n\u0131p al\u0131nmamas\u0131 gerekti\u011fi tart\u0131\u015f\u0131l\u0131yor.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>DLT Pilot Rejimi Reformu:<\/strong> 2022'de ba\u015flat\u0131lan DLT Pilot Rejimi'ne (DLTR) kat\u0131l\u0131m\u0131n d\u00fc\u015f\u00fck kalmas\u0131 \u00fczerine AB, uygun enstr\u00fcmanlar\u0131n kapsam\u0131n\u0131 geni\u015fleterek ve i\u015flem limitlerini art\u0131rarak rejimi ticari olarak daha uygulanabilir k\u0131lmak ad\u0131na yeni bir reform paketi (MISP) haz\u0131rlad\u0131.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Merkez Bankas\u0131 Teminat Kabul\u00fc:<\/strong> D\u00fczenleyici netlik aray\u0131\u015flar\u0131n\u0131n yan\u0131 s\u0131ra, Avrupa Merkez Bankas\u0131 (ECB) Nisan 2026'dan itibaren DLT platformlar\u0131nda ihra\u00e7 edilen varl\u0131klar\u0131 resmi olarak uygun teminat olarak kabul etmeye ba\u015flad\u0131.<\/span><\/li>\r\n<\/ul>\r\n<span style=\"font-size:12px;\">\u00a0<br>\r\n<strong>\u0130svi\u00e7re'de Tokenizasyon<\/strong><br>\r\n\u00a0<\/span>\r\n\r\n<ul>\r\n\t<li><span style=\"font-size:12px;\"><strong>Kapsay\u0131c\u0131 DLT Yasas\u0131:<\/strong> \u0130svi\u00e7re'deki dijital varl\u0131k d\u00fczenlemeleri AB ve Birle\u015fik Krall\u0131k'tan daha olgun. \u00a0A\u011fustos 2021'de y\u00fcr\u00fcrl\u00fc\u011fe giren DLT Yasas\u0131, tokenle\u015ftirilmi\u015f menkul k\u0131ymetleri en ba\u015f\u0131ndan itibaren mevzuata dahil ederek pazara erken bir netlik kazand\u0131rd\u0131.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>\u0130lk Lisansl\u0131 DLT \u0130\u015flem Platformu:<\/strong> Bu yasal netli\u011fin net bir sonucu olarak FINMA, Mart 2025'te tam d\u00fczenleyici denetime sahip olan ve blok zinciri \u00fczerinde tokenle\u015ftirilmi\u015f menkul k\u0131ymetlerin ticaret ve mutabakat\u0131na izin veren ilk resmi DLT i\u015flem platformunu onaylad\u0131.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Milyar Frank Baraj\u0131n\u0131 A\u015fan \u0130hra\u00e7lar:<\/strong> \u0130svi\u00e7re'nin esnek rejimi ger\u00e7ek d\u00fcnyada kar\u015f\u0131l\u0131k bulmu\u015f ve tam d\u00fczenlenmi\u015f bir dijital varl\u0131k borsas\u0131 ile saklama kurulu\u015fu olan SIX Digital Exchange (SDX), D\u00fcnya Bankas\u0131'n\u0131n 200 milyon frankl\u0131k dijital tahvili de dahil olmak \u00fczere May\u0131s 2024 itibar\u0131yla k\u00fcm\u00fclatif olarak 1 milyar \u0130svi\u00e7re frang\u0131n \u00fczerinde dijital ihra\u00e7 ger\u00e7ekle\u015ftirdi.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Yasal \u00c7er\u00e7evenin \u0130stikrar\u0131:<\/strong> 2021 y\u0131l\u0131ndan bu yana DLT Yasas\u0131 \u00fczerinde hi\u00e7bir de\u011fi\u015fiklik yap\u0131lmam\u0131\u015f olmas\u0131, \u00fclkenin kurdu\u011fu orijinal \u00e7er\u00e7evenin uygulamada ne kadar ba\u015far\u0131l\u0131 ve dayan\u0131kl\u0131 oldu\u011funu g\u00f6stermesi a\u00e7\u0131s\u0131ndan dikkat \u00e7ekiyor.<\/span><\/li>\r\n\t<li><span style=\"font-size:12px;\"><strong>Gelece\u011fe Y\u00f6nelik Yeni Lisans Tipleri:<\/strong> Mevcut yasan\u0131n ba\u015far\u0131s\u0131 \u00fczerine \u0130svi\u00e7re h\u00fck\u00fcmeti, Ekim 2025'te Finansal Kurumlar Yasas\u0131'nda de\u011fi\u015fiklik yapmak \u00fczere bir isti\u015fare ba\u015flatarak stablecoin ihra\u00e7\u00e7\u0131lar\u0131 i\u00e7in \u201c\u00f6deme arac\u0131 kurumlar\u0131\u201d ve kripto broker\/saklama hizmetleri i\u00e7in \u201ckripto kurumlar\u0131\u201d ad\u0131yla iki yeni lisans kategorisi \u00f6nerdi.<\/span><\/li>\r\n<\/ul>\r\n\u00a0<br>\r\n<span style=\"font-size:11px;\">Raporunun tamam\u0131na <a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxUpE6t-2BiT0x0vwt-2FZeYSbHSPkFp7zT7NuDTnzIPiaO-2F0JM4Urpcxcu4vKz91SKFwDfe53r7W-2FYa6BqHLkYK1YzwU4oBulGRLJHXzM1g7EGsWHDNZ_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otLp9wW7GxZyOOnR3Aw7RvlKxDqgjDiDodj-2BWap2jCV9PR080SNaXyj9WW2h7egcwVVPv7mNVpVbhCmS9-2FnobrzM71Rq-2F5i1CF-2BM1iCwgvveMb1-2FDd0pRJYqAzOPd-2F8OI14DbLjnZbqrzf7uJZU3eSWl94G02Pa1CcpmASr6IPIEm9gR1n4jlWgfryBeu0CZ2eA-3D\">buradan<\/a> ula\u015fabilirsiniz.<br>\r\n\u00a0<br>\r\n<strong>Bilgi i\u00e7in: <\/strong>\u00a0 \u00a0<br>\r\nCeren Moral Aru\u00a0<br>\r\n0533 921 43 53\u00a0<br>\r\ncerenm@marjinal.com.tr\u00a0<br>\r\n\u00a0<br>\r\n<strong>KPMG Hakk\u0131nda<\/strong>\u00a0<br>\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\u00a0yakla\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 <a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.mwyI9NErZgfoxbTUPb4C2e-2FE7KdIPgW1InnDWkKf86M-3DecQB_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otKoebgEfPse7ZcXJxWMn-2BLkzspJJBRNuikI3f-2FjBI9NN-2FwSalHUDWM4bAP99p9r-2FRRhYm7VZAiTrf4L18LuScm0eaWJQVfT8TL5ERlpSVd-2BLTtEzpixh3NTbycLyanijTXyOOLV3l3pbJgar-2Bd7hXzcAvdargz87P1U3ndQMQiszakdzsxKblEgS4p2QLfaal4-3D\">www.kpmg.com.tr<\/a> adresine ba\u015fvurabilirsiniz.<\/span><br>\r\n\u00a0 \r\n\t\t\t\t\t\r\n                <\/td>\r\n              <\/tr>\r\n             \r\n            <\/table>\r\n            \r\n        <\/td>\r\n    <\/tr>\r\n    \r\n       <tr>\r\n    \t<td bgcolor=\"#fafafa\" align=\"center\" style=\"padding: 10px 10px 0px 10px;\">\r\n\r\n       \r\n        \r\n        \r\n                    \r\n            <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" style=\"max-width: 700px;\">\r\n              \r\n              <tr>\r\n                <td bgcolor=\"#ffffff\" align=\"left\" style=\"border:2px solid #e6e6e6; padding: 42px 42px 42px 42px; font-family: verdana, Arial, sans-serif; font-size: 15px; font-weight: 400; line-height:auto;\">\r\n                  <p style=\"margin: 0;\">\r\n                  \r\n<span style=\"font-size:16px;\">DOSYALAR<\/span>\r\n    <\/p><table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" style=\"margin-top:10px; margin-bottom:20px;\">\r\n        <tbody>\r\n            <tr>\r\n                <td width=\"100%\">\r\n\t\t\t\t\t\t<hr color=\"#c51617\" style=\"color:#c51617 background-color: #c51617 height: 1px; \"><\/td>\r\n            <\/tr>\r\n        <\/tbody>\r\n    <\/table> \r\n   \r\n    \r\n     \r\n<a name=\"dosya\"><\/a>    \r\n\r\n\r\n<span style=\"font-size:12px; font-family:verdana,arial;\">Sinem Cant\u00fcrk.jpg<\/span>\r\n<br>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"5\" cellpadding=\"5\">\r\n  <tr>\r\n    <td width=\"16%\">\r\n    <a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxdu-2F4YRJgxZ8qiSaVS-2B9ErqPBaFkRE2lnjyEOzpb7DBoFyh20LwVf-2Bubta6MRu1o2WzWMl5MG7ETbVKemp0w9k6-2BuJ7vdCLm7ONjqC1BwWtMJveCUaUb-2Ff6Rcy3Zcix5Lggx3xl1q0aeDcLNl9AgsSg-3Dlwuo_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otKEV8tS-2BEpdm5wXYHej7WlnQ8YedOGRLLp78AdrebG9t88ta8qa487KxJ05Nf-2BKv-2FhLzYI7JVgKrmwb3zp4CvXrEiovlJG-2Bo-2BSQ77d2RRN0OggOCTfkFeI-2BNDcRzPEZteYcAyECMza4v5H8jZV0nLDs57ad3qs3DwjR8LaqUEJVwAwA8G13axeLoWGAiJYoF2s-3D\" target=\"_blank\">\r\n    <img src=\"https:\/\/storage.googleapis.com\/file-presspondence\/20260102-084518-405134-442183a1961e108c\/80px\/Sinem_Cant%C3%BCrk.jpg\" alt=\"Sinem Cant\u00fcrk.jpg\">\r\n    <\/a><\/td>\r\n    <td valign=\"top\"><span style=\"font-size:12px; font-family:verdana,arial;\"><span style=\"color:#c51617\">\r\n<span style=\"color:#c51617\">Dosya boyutu<br><\/span> 12.53 MB<\/span><\/span><\/td>\r\n    <td align=\"right\" style=\"text-align:right;\" valign=\"bottom\"><a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxWAuPaJNvD8nKV9bBRaUQGZy795XyoOvr4IpbqTcirbHY31A5uu5C-2F-2BeikWo2gCK6AqVVJ6vRiA8i4LnLxkRag2XDUa-2FRz2CHD4H-2B0gh1-2FpfziXEnyIOyiVvEHvAEU4pmn4DThQu-2FRazc2jeBAdHyMMmkxdl4rxQNw0FGWhzYHGKfm-2F2zOnLijfMlFj-2Fb4d1oYIMfKAEoIFrcMNKRXO-2FhaI2L8OpJDYwK5scZVS-2FjxHljFvQ3jejSfeW316F-2FE6rPA-3D-3DGImz_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otLEIq3QiukuJbzxqT4XS0dUkBj3E41sljDH2w-2Bp6C5T-2FmtCeX7X5Xs7WfBdtlR-2Bjt059oWRnpr5XzDymWR6lbJaeTrqnGR3olU5uoCR3t-2FEtjLE5eyUaKgjXySbk38FPJqgTFl-2BEYZgzbHY9trmgfhOeZvaFr2qA5DiVrTd-2BCtwdcDK5JBtYWIO5hFZVPnYFuI-3D\" target=\"_blank\" style=\"color:#c51617 text-decoration:none; font-size:11px; font-family:verdana,arial;\">[\u0130ND\u0130R]<\/a><\/td>\r\n  <\/tr>\r\n<\/table>\r\n\r\n\r\n\r\n<table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" style=\"margin-top:10px; margin-bottom:10;\">\r\n\t<tr>\r\n    \t<td>\r\n\t\t\t\t<hr color=\"#e6e6e6\" style=\"color:#e6e6e6; background-color: #e6e6e6; height: 1px; \">\r\n<\/td>\r\n    \t<\/tr>\r\n<\/table>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n<a name=\"dosya\"><\/a>    \r\n\r\n\r\n<span style=\"font-size:12px; font-family:verdana,arial;\">kpmg-avrupa-tokenizasyonun-duzenlemeleri-bb.docx<\/span>\r\n<br>\r\n<table width=\"100%\" border=\"0\" cellspacing=\"5\" cellpadding=\"5\">\r\n  <tr>\r\n    <td width=\"16%\">\r\n    <a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxdu-2F4YRJgxZ8qiSaVS-2B9ErqPBaFkRE2lnjyEOzpb7DBoFyh20LwVf-2Bubta6MRu1o2XFiPdpaFAinBwxJVj5EaZHszbx8Gyaht1Wzjo3rvEHGV3dM-2BVTFFFobatSwLUjYmI4Ds5xSE2ZttREncTplWuqvxkK82No7hgB03gD1TfZcFjzCp9pfX8QJ6FALG4feOA-3D-3DLRG8_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otIXJMYr-2FlhPYPpa-2BmVcccy7Lt5eh81gxnouv9eUL6OI54d6m9jpXM6-2FUubaFICXjSfegmgVGiuptbnFaAvojU4UZ5IYIWcO71e8jWpQq-2BerGRuKNudZ8-2B-2BwXHUM7-2BnO45ZLnuBNu-2BNuIqE7NMS7rZNDNA-2BTV3JYywrNtv6p9-2FSZDPnXLTyDQL-2FRBcGMDN3gdGk-3D\" target=\"_blank\">\r\n    <img src=\"https:\/\/storage.googleapis.com\/file-presspondence\/static\/icon_txt.jpg\" alt=\"kpmg-avrupa-tokenizasyonun-duzenlemeleri-bb.docx\">\r\n    <\/a><\/td>\r\n    <td valign=\"top\"><span style=\"font-size:12px; font-family:verdana,arial;\"><span style=\"color:#c51617\">\r\n<span style=\"color:#c51617\">Dosya boyutu<br><\/span> 58.68 KB<\/span><\/span><\/td>\r\n    <td align=\"right\" style=\"text-align:right;\" valign=\"bottom\"><a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxWAuPaJNvD8nKV9bBRaUQGZy795XyoOvr4IpbqTcirbH8YIzCbNFKQkIPSwE4h19cU6FHg93f6ERILU-2F0VBiPy8J3RLTSCQj4D6-2Bw4uk7wMO4NGZDcx6GwI7xOIIQDRuHVeHbPYf0QRDBI7UN81eN-2B14Z3t3H1t-2FqS7-2Byi7YQe8yb0X2esQ4w-2B3OBKMf5rpEhLD82M5uVCuW-2F2pwiwRdfSG3FxsnTfg9j0qAGelj0JiRIBb31GZMoE9JZFLBBcSKyrVImc0q5Ckeo12QKjVrJ3yg8HJv5GgY3xNT520q142i1gqIKQ5E08Of8fBRpFplMc17SEWtpfPFPTNODmBRgtdWxU2FDsLpMlVbG8y3bqfmbv-2FqA9by-2FBXHxCKcbJTDfvaCPWPHGYBsrcmTTNgPjdl8yWD6F0DgF15bHwiDpRtSe39h_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otIr7o5a1WWujiRzH97QQSNDdXmb5YJsWtjBfYuPYYiHZih-2FN-2BpBu4EbRPtFmIU656Jo-2Fn6L4tPGqYPpEO7hOjVx4oxcYRjqyNxx5yFJurydXabTiPp1BRxMB0o7dOflzOeU-2B4MWdThuaQ0Z2-2BQrapie-2BWFORa3G7hwi4By9bbnJuQxnchYPcTqvL-2FyBIVw86iY-3D\" target=\"_blank\" style=\"color:#c51617 text-decoration:none; font-size:11px; font-family:verdana,arial;\">[\u0130ND\u0130R]<\/a><\/td>\r\n  <\/tr>\r\n<\/table>\r\n\r\n\r\n\r\n<table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" style=\"margin-top:10px; margin-bottom:10;\">\r\n\t<tr>\r\n    \t<td>\r\n\t\t\t\t<hr color=\"#e6e6e6\" style=\"color:#e6e6e6; background-color: #e6e6e6; height: 1px; \">\r\n<\/td>\r\n    \t<\/tr>\r\n<\/table>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n    \r\n                \r\n\r\n                <\/td>\r\n              <\/tr>\r\n             \r\n            <\/table>\r\n            \r\n        \r\n        \r\n       <\/td>\r\n    <\/tr>\r\n    \r\n    \r\n    \r\n    \r\n    <tr>\r\n        <td bgcolor=\"#fafafa\" align=\"center\" style=\"padding: 30px 10px 30px 10px;\">\r\n            \r\n            <table border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\" style=\"max-width: 700px;\">\r\n                \r\n                <tr>\r\n                  <td bgcolor=\"#999999\" align=\"center\" style=\"padding: 30px 30px 30px 30px; border-radius: 4px 4px 4px 4px; color: #FFFFFF; font-family: verdana,Arial, sans-serif; font-size: 14px; font-weight: 400; line-height: 25px;\">\r\n\t\t\t\t  \r\n\t\t\t\t  \r\n\t\t\t\t  <div style=\"color:#ffffff;\">G\u00f6nderim listesinden \u00e7\u0131kmak i\u00e7in l\u00fctfen linke <a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxdB77FO0ZD-2FM3MDTURUxiLU9vLCrk36Vy2diOqoeHewMb3sayaoUGHkr-2F9sl79cHn6kUu1MoQmEWu7hh8PN3nIbIBZfZ-2FtuF5PIfFph89LUB09mWUM6yhE4IDxDohxu3gjA7TIpobJutEXzg-2FsArV9zcgAl8ImK6OE52qfhsyDSnswtdq13XkjnckCQ3029H1Vn3KBsuUx9gUsrtauHR7MOAUmnzDCKJF8RRsEWxmo3BVebcGTNJYwdSQRBYxxhl5Q-3D-3D4bHg_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otKjAMqf76XZtef-2BFq0O-2BPxoWj08-2F7OsD-2FDRdZZ47Rw3-2BqgwuhGs3MAiw2-2BhfF8euWgfEYlf8vSsfaOkbYShP0i0vB8q7WEtiTMMWrnZsVSKSf5JeMv2Srqm0CKT5RLlAuKVU8GogcFzzpa4smh9GjoBuz0ZTO4wljUGZYXALXlXHiNVaIuW-2BrBLyGKfHxFYvmM-3D\" style=\"color:#ffffff;\">t\u0131klay\u0131n\u0131z<\/a> (<a href=\"https:\/\/u11729718.ct.sendgrid.net\/ls\/click?upn=u001.1NCIPyJpM-2F-2BG3pDtMtshxdB77FO0ZD-2FM3MDTURUxiLU9vLCrk36Vy2diOqoeHewMb3sayaoUGHkr-2F9sl79cHn6kUu1MoQmEWu7hh8PN3nIbIBZfZ-2FtuF5PIfFph89LUB09mWUM6yhE4IDxDohxu3gjA7TIpobJutEXzg-2FsArV9zcgAl8ImK6OE52qfhsyDSnswtdq13XkjnckCQ3029H1Vn3KBsuUx9gUsrtauHR7MOAUmnzDCKJF8RRsEWxmo3BVebcGTNJYwdSQRBYxxhl5Q-3D-3DWpG4_o-2B-2FPrpi-2BrfEwG7ARGo-2BjLxuzENXJUKVGkXD9LMxzWeMXpI0Q-2B-2Bxvfn9Z-2FRr5fCMaMnE5vPKt-2BXan6InZ6r6BFEbSLZfVYF2NI4VNnvyxdD-2FhfeabYwCK9cjmEUUogOpSxuqbxlNCoO77hUaNIGjTiHVI3U3Vf61pX7AV3nc2LnVNWNnmkR8-2FHulF7qpQC5YOq-2FXQO6NlR9eHwJx70Hx0dXDrASgIesMQJRVBgmi8otJqd80Qt67PSM0mwHjE1SR98INrgX36VHsyK99C4oNhpnxuFxPBHirhVjd4BMXcqcicPqqWxAc7-2BXP-2BM85VLHMxRynceCqTWHAtzHPVofASWziVbWCZxZEcfsGpSpDxkhVS8ZioOHqcAdNvoHMUPvxueLH-2FEwzxUi8UQX8BXTtLMFAmhPmpTVaMyrIKNbG6q2U-3D\" style=\"color:#ffffff;\">Unsubscribe<\/a>). 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