{"id":29139,"date":"2021-05-16T21:50:54","date_gmt":"2021-05-16T19:50:54","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29139"},"modified":"2026-03-10T14:33:49","modified_gmt":"2026-03-10T13:33:49","slug":"hi%cc%87zmet-olarak-bankacilik-baas-nasil-calisir","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/how-does-banking-as-a-service-baas-work\/","title":{"rendered":"Hizmet Olarak Bankac\u0131l\u0131k (BAAS) nas\u0131l \u00e7al\u0131\u015f\u0131r?"},"content":{"rendered":"

Bu, FinTech'te banka \u00fcr\u00fcnlerinin ve varl\u0131k y\u00f6neticilerinin da\u011f\u0131t\u0131m\u0131n\u0131 bozan bir sekt\u00f6rd\u00fcr. Bu teknoloji, farkl\u0131 \u00e7\u00f6z\u00fcmlerin do\u011frudan tek bir altyap\u0131ya ba\u011flanmas\u0131na olanak tan\u0131yor.<\/p>\n\n\n\n

Capgemini'nin D\u00fcnya Perakende Bankac\u0131l\u0131k Raporu 2019\u00a0<\/a>halk\u0131n geleneksel bankalar yerine FinTech ve b\u00fcy\u00fck teknoloji \u015firketlerini kabul etti\u011fini g\u00f6stermektedir. Teknoloji merakl\u0131s\u0131 t\u00fcketicilerin 75%'si b\u00fcy\u00fck bir teknoloji \u015firketinin en az bir finansal \u00fcr\u00fcn\u00fcn\u00fc kullan\u0131yor. M\u00fc\u015fteriler geleneksel olmayan se\u00e7enekleri daha d\u00fc\u015f\u00fck \u00fccretler (70%), kullan\u0131c\u0131 deneyimi (68%) ve h\u0131z (54%) i\u00e7in tercih ediyor. \u00d6n\u00fcm\u00fczdeki 3 y\u0131l i\u00e7inde finansal hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131 de\u011fi\u015ftirecek olan t\u00fcketicilerin 80%'den fazlas\u0131 b\u00fcy\u00fck bir teknoloji firmas\u0131n\u0131n bankac\u0131l\u0131k \u00fcr\u00fcn\u00fc veya dijital<\/a> Banka. Evet, bir \u0130svi\u00e7re \u00f6zel bankas\u0131 dijital<\/a> Banka.<\/p>\n\n\n

\n
\"a\u00e7\u0131k<\/figure>\n<\/div>\n\n\n

Teknoloji devlerinin (\u00f6rne\u011fin Apple, Google) Google Checking Apple Card gibi kendi markal\u0131 finansal hizmetlerini sundu\u011funu g\u00f6rd\u00fck. BaaS, veri payla\u015f\u0131m\u0131, daha iyi s\u00fcre\u00e7 y\u00f6netim sistemleri ve \u00f6zel inovasyon yoluyla finansal hizmetler yaratan ve sunan dijital tabanl\u0131 bankac\u0131l\u0131k yap\u0131lar\u0131yla ilgilidir: krediler, kitle fonlamas\u0131, kapsay\u0131c\u0131l\u0131k finansman\u0131, varl\u0131\u011fa dayal\u0131 menkul k\u0131ymet kredisi vb.<\/p>\n\n\n\n

Bununla birlikte, farkl\u0131 m\u00fc\u015fteri segmentleri i\u00e7in do\u011fru paketi ba\u015flatmak o kadar da kolay de\u011fildir. B\u00fcy\u00fck bankalar ve varl\u0131k y\u00f6neticileri, eski \u00e7\u00f6z\u00fcmleri s\u00fcrd\u00fcrmek i\u00e7in BT'nin cazibesiyle u\u011fra\u015fmak zorundad\u0131r. M\u00fc\u015fteri kat\u0131l\u0131m\u0131n\u0131n genellikle b\u00fcy\u00fck bankalar taraf\u0131ndan analiz edilen ilk ad\u0131m oldu\u011funu g\u00f6rd\u00fck. InvestGlass ekibi, COVID krizi s\u0131ras\u0131nda 3 bankaya \u00e7\u00f6z\u00fcm ba\u011flant\u0131lar\u0131nda dan\u0131\u015fmanl\u0131k yapmaktad\u0131r. Fikir basittir :<\/p>\n\n\n\n

\n

Daha iyisini ve daha ucuzunu bulursan\u0131z, o zaman bir e\u015fle\u015fme!<\/p>\n<\/blockquote>\n\n\n\n

Koronavir\u00fcs Krizi S\u0131ras\u0131nda FinTech \u00c7\u00f6z\u00fcm\u00fc<\/strong><\/h2>\n\n\n\n

A\u015fa\u011f\u0131dakiler i\u00e7in anahtar teslim bir \u00e7\u00f6z\u00fcm sunan Onfido ile \u00e7al\u0131\u015fmay\u0131 seviyoruz dijital i\u015fe al\u0131m<\/a>. Onfido \u00e7\u00f6z\u00fcm\u00fc, hesap a\u00e7ma i\u015f ak\u0131\u015flar\u0131n\u0131 h\u0131zland\u0131rmak i\u00e7in m\u00fckemmel bir KYC d\u00fczeltme arac\u0131 da i\u00e7erir. \u0130leti\u015fim \u00e7\u00f6z\u00fcm\u00fc sa\u011flay\u0131c\u0131lar\u0131 geleneksel bankalar\u0131n daha \u00e7evik olmalar\u0131na yard\u0131mc\u0131 oluyor. Bankac\u0131l\u0131k ekosistemi art\u0131k ger\u00e7ek bir rekabet avantaj\u0131 i\u00e7in kilit \u00f6neme sahip. Art\u0131k pahal\u0131 teknolojiler sat\u0131n ald\u0131\u011f\u0131m\u0131z bir d\u00fcnya de\u011fil, daha \u00e7evik FinTech \u00e7\u00f6z\u00fcmleri sat\u0131n ald\u0131\u011f\u0131m\u0131z bir d\u00fcnya var. yeni nesil temel bankac\u0131l\u0131k platformlar\u0131 olu\u015fturmak<\/a>. <\/p>\n\n\n

\n
\"elinde<\/figure>\n<\/div>\n\n\n

Birle\u015ftirilebilir bankac\u0131l\u0131k teknolojisi<\/h2>\n\n\n\n

Yak\u0131n zamanda \u015funlar\u0131 ara\u015ft\u0131rd\u0131k D\u00fc\u015f\u00fcnceMakinesi <\/a>beyaz etiketli bankac\u0131l\u0131k yaz\u0131l\u0131m\u0131 arayan bankalar i\u00e7in m\u00fckemmel bir uyum sunuyor. \u00c7\u00f6z\u00fcm, sanal kart sistemlerine ba\u011flanabilir ve kredi i\u015fine do\u011fal bir uyum sa\u011flar ve birden fazla d\u00fczenleyici rejime uyar. E\u011fer bir sonraki bankac\u0131l\u0131k Monzo<\/a> N26<\/a> Qonto<\/a> test etmek i\u00e7in do\u011fru ortak olabilir. Elbette, noktalar\u0131 birle\u015ftirmek, tam olarak uymayan bir tu\u011fla gibi zor olabilir, ancak API ihtiyac\u0131n\u0131z olan har\u00e7t\u0131r. \u201c\u0130\u015f\u00e7i\u201d yok l\u00fctfen - 2021'de bir API'yi hak ediyorsunuz! Bilgi i\u015flemde uygulama programlama aray\u00fcz\u00fc (API), birden fazla yaz\u0131l\u0131m uygulamas\u0131 veya karma donan\u0131m-yaz\u0131l\u0131m arac\u0131lar\u0131 aras\u0131ndaki etkile\u015fimleri tan\u0131mlayan bir aray\u00fczd\u00fcr. <\/p>\n\n\n\n