{"id":30162,"date":"2021-06-15T19:17:49","date_gmt":"2021-06-15T17:17:49","guid":{"rendered":"https:\/\/www.investglass.com\/?p=30162"},"modified":"2025-10-28T11:32:43","modified_gmt":"2025-10-28T10:32:43","slug":"neobank-olmak-i%cc%87ci%cc%87n-hangi%cc%87-li%cc%87sansa-i%cc%87hti%cc%87yaciniz-var","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/tr\/which-license-do-you-need-to-become-a-neobank\/","title":{"rendered":"Neobank olmak i\u00e7in hangi lisansa ihtiyac\u0131n\u0131z var?"},"content":{"rendered":"

Do\u011fru kayma di\u0307ji\u0307tal bankacilik<\/strong> h\u0131zlan\u0131yor ve Birle\u015fik Krall\u0131k'taki yeti\u015fkinlerin 36%'si<\/strong> art\u0131k yaln\u0131zca dijital hesaplar kullan\u0131yor ve Y ku\u015fa\u011f\u0131n\u0131n 64%'si<\/strong> uygulama tabanl\u0131 bankac\u0131l\u0131\u011fa g\u00fcvenerek (Bulucu<\/a>). gibi \u00f6nde gelen neobankalar Revolut<\/strong> ve Monzo<\/strong> geli\u015fiyor ve Revolut d\u00fcnya \u00e7ap\u0131nda 45 milyon kullan\u0131c\u0131y\u0131 a\u015ft\u0131<\/strong> ve Monzo Birle\u015fik Krall\u0131k'ta 10 milyon m\u00fc\u015fteriyi a\u015ft\u0131<\/strong> 2024'te (Birle\u015fik Krall\u0131k Teknoloji Haberleri<\/a>). Dijital tercihler artt\u0131k\u00e7a, geleneksel bankalar rekabet\u00e7i kalabilmek i\u00e7in yenilik yapmal\u0131d\u0131r.<\/p>\n\n\n\n

Neobank olmak i\u00e7in hangi lisansa ihtiyac\u0131n\u0131z var?<\/h2>\n\n\n\n

Ni\u015f bir banka olarak m\u0131 g\u00f6r\u00fclmek istiyorsunuz neobank, yaln\u0131zca dijital bankalar\u0131n yeni bir bi\u00e7imidir. Geleneksel bankalar gibi, banka kartl\u0131 \u00e7ek hesaplar\u0131 (veya neobank bunlar\u0131 sunuyorsa kredi kartlar\u0131), tasarruf hesaplar\u0131, krediler, ipotekler, yat\u0131r\u0131m y\u00f6netimi hizmetleri ve daha fazlas\u0131 gibi \u00fcr\u00fcn ve hizmetler sunarlar.<\/p>\n\n\n\n

Aradaki fark ne? Geleneksel tu\u011fla ve har\u00e7 bankalar\u0131 diren\u00e7li mi?<\/p>\n\n\n\n

\u00c7o\u011fu neobank, bir kurumun \u201cneobank\u201d olarak tan\u0131mlanmas\u0131na hak kazand\u0131rmayan \u00f6deme lisans\u0131na sahiptir. Yaln\u0131zca kredi kurulu\u015fu lisans\u0131na sahip kurumlar kendilerini \u201cbanka\u201d veya \u201cneobank\u201d olarak adland\u0131rabilir... \u00e7o\u011fu banka Temenos veya Arkea altyap\u0131lar\u0131 taraf\u0131ndan desteklenmektedir.<\/p>\n\n\n\n

Bug\u00fcn, her y\u0131l piyasaya giren yeni neobankalar\u0131n say\u0131s\u0131 2016'dakinden 5 kat daha fazlad\u0131r. Bu devrim b\u00fcy\u00fck \u00f6l\u00e7\u00fcde Avrupa ve Asya'da yo\u011funla\u015fm\u0131\u015ft\u0131r.<\/p>\n\n\n\n

Tan\u0131d\u0131\u011f\u0131n\u0131z ve ilham almak isteyebilece\u011finiz oyuncular Birle\u015fik Krall\u0131k (Starling Bank), Fransa (Qonto), Finlandiya (Holvi), Almanya (N26) ve Rusya'da (Tinkoff).<\/p>\n\n\n\n

\"g\u00fcm\u00fc\u015f<\/figure>\n\n\n\n

Avrupa'da Yeni Finansal Hizmetler<\/h2>\n\n\n\n

In Europe, neobanks are leveraging the European Payment Services Directive PSD1, which allows new institutions to enter the financial services market with less stringent approvals. It is therfore easier to get a licence in France thanks to the National Competent Authorities NCAs such as the ACPR (France), in the United Kingdom with FCA, or in Germany with the BaFin. <\/p>\n\n\n\n

Geleneksel bankalara kar\u015f\u0131 neobank olmak i\u00e7in hangi lisansa ihtiyac\u0131n\u0131z var?<\/h2>\n\n\n\n

Kredi veya bankac\u0131l\u0131k lisans\u0131 tasarruf hesab\u0131 de\u011fildir<\/h4>\n\n\n\n

Kredi veya bankac\u0131l\u0131k lisans\u0131, bir finans kurulu\u015funun m\u00fc\u015fteri mevduatlar\u0131n\u0131 kabul etmesine ve m\u00fc\u015fteri fonlar\u0131n\u0131 kullanarak kredi vermesine izin verir. Evet, geleneksel bir bankaya \u00e7ok kapal\u0131y\u0131z. Banka hesaplar\u0131 art\u0131k sanal banka portal\u0131 ile a\u00e7\u0131l\u0131yor ve bu t\u00fcr \u015firketler FOREX i\u015flemleri, robo dan\u0131\u015fman, basit tavsiye ve varl\u0131k y\u00f6netiminde yard\u0131m ve sosyal olarak sorumlu yat\u0131r\u0131m gibi menkul k\u0131ymetlerle ilgili hizmetler sunuyor.<\/p>\n\n\n\n

Hizmetlere abonelik, a\u015fa\u011f\u0131dakiler arac\u0131l\u0131\u011f\u0131yla yap\u0131l\u0131r di\u0307ji\u0307tal bankacilik platformu<\/a> ve bu, mevcut bankalar\u0131n kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fu ger\u00e7ek bir rakip stratejisidir.<\/p>\n\n\n\n

Bankac\u0131l\u0131k lisanslar\u0131 yetkili bir makam taraf\u0131ndan verilir. Bu t\u00fcr bir lisans i\u00e7in ba\u015fvurmak yeni ba\u015flayanlar i\u00e7in olduk\u00e7a zor olabilir. di\u0307ji\u0307tal banka<\/a>. \u00d6rne\u011fin \u0130svi\u00e7re'de bu t\u00fcr yeni dijital sistemlerin kurulmas\u0131 banka bu ger\u00e7ek bir meydan okuma<\/a>, Cervin t\u0131rman\u0131\u015f\u0131ndan daha y\u00fcksektir ve bu s\u00fcrece ba\u015flamadan \u00f6nce bizimle ileti\u015fime ge\u00e7menizi \u015fiddetle tavsiye ederiz. Genellikle bu t\u00fcr bir banka kurmak i\u00e7in daha b\u00fcy\u00fck bir sermaye gereksinimine ve Bern'de \u00e7ok g\u00fc\u00e7l\u00fc ve tan\u0131nm\u0131\u015f bir kadroya ihtiyac\u0131n\u0131z olacakt\u0131r.<\/p>\n\n\n\n

Bu t\u00fcr bir geleneksel banka kurmak, se\u00e7ece\u011finiz yarg\u0131 b\u00f6lgesine ba\u011fl\u0131 olarak en az 12 ila 24 ay s\u00fcrebilir. Genellikle bu t\u00fcr bir banka kurmak i\u00e7in saklama ve muhasebe i\u00e7in \u00e7ok g\u00fc\u00e7l\u00fc bir bankac\u0131l\u0131k hizmetleri orta\u011f\u0131na da ihtiyac\u0131n\u0131z olacakt\u0131r.<\/p>\n\n\n\n

Elektronik Para Kurulu\u015f Lisans\u0131<\/h2>\n\n\n\n

Ba\u015fka bir se\u00e7enek de bir finansal destek sa\u011flayacak elektronik para lisans\u0131<\/a> IBAN'lar\u0131n olu\u015fturulmas\u0131 ve BIN sponsorlu\u011fu dahil \u00f6deme hizmetleri - kredi kart\u0131. Burada elektronik para lisans\u0131, lisans\u0131n g\u00fcnl\u00fck \u00f6demeler i\u00e7in m\u00fc\u015fterilere ayn\u0131 bankac\u0131l\u0131k deneyimini sa\u011flamas\u0131na olanak tan\u0131r. Ancak elektronik para lisans\u0131n\u0131n baz\u0131 ger\u00e7ek s\u0131n\u0131rlamalar\u0131 vard\u0131r. Yani geleneksel bankalar yaratmak istiyorsan\u0131z bu bir \u00e7\u0131kmaz sokakt\u0131r.<\/p>\n\n\n\n

Elektronik para kurulu\u015fu lisans\u0131 olduk\u00e7a uygun maliyetlidir ve e-para hizmetleri sunmak isteyenler i\u00e7in \u00e7ok iyi bir se\u00e7enektir. Bu t\u00fcr bir lisans\u0131n amac\u0131 kredi vermek veya kredi riskini analiz etmek de\u011fildir. Bu t\u00fcr bir lisans, mevduat sigortas\u0131 veya m\u00fc\u015fterilerin fonlar\u0131n\u0131n geleneksel olarak saklanmas\u0131 i\u00e7in \u00e7al\u0131\u015fmaz. Fonlar\u0131 saklamak istiyorsan\u0131z, o zaman bir ortakl\u0131k ile gitmelisiniz ...<\/p>\n\n\n\n

Neobankalar geleneksel bankalara yard\u0131mc\u0131 olur... geleneksel bankalar da neobankalara yard\u0131mc\u0131 olur. Te\u015fekk\u00fcr lisans\u0131 genellikle 12 aydan daha k\u0131sa bir s\u00fcrede al\u0131nabilir ve yasal \u00fccretler de az ya da \u00e7ok \u00f6nemlidir. Geleneksel d\u00fczenleyici lisans ba\u015fvurusu i\u00e7in yakla\u015f\u0131k 150.000 Avro hesaplaman\u0131z gerekir. Bu t\u00fcr bir sanal banka kurman\u0131n ortalama maliyeti bir ila 2 milyon Avro aras\u0131nda olacakt\u0131r.<\/p>\n\n\n\n

\"binan\u0131n<\/figure>\n\n\n\n

\u00d6deme Kurulu\u015fu Lisans\u0131  <\/h2>\n\n\n\n

Di\u011fer bir se\u00e7enek de bir \u00f6deme kurumu lisans\u0131na veya PI'ye gitmektir; bu, \u00f6deme hizmetlerini ve do\u011frudan sistemde kart veya otomatik \u00f6deme ile ger\u00e7ekle\u015ftirilecek t\u00fcm i\u015flemleri destekler. \u00c7\u00f6z\u00fclme ayr\u0131ca \u00e7ekili\u015fler ve orman i\u015flemleri ile nakit sa\u011flar. DSP2 PSD2 sayesinde Avrupa'da \u00e7\u00f6z\u00fcnd\u00fcrme i\u00e7in macun asl\u0131nda olduk\u00e7a etkilidir. Bununla birlikte, \u00e7\u00f6z\u00fcnmenin de baz\u0131 s\u0131n\u0131rlamalar\u0131 vard\u0131r<\/p>\n\n\n\n

PI uzun vadeli krediye izin vermez, ancak di\u011fer finansal kurumlarla belirli bir kredi onar\u0131labilir k\u00f6pr\u00fc kullanabilirsiniz. Bir bak\u0131ma, tam bir bankac\u0131l\u0131k lisans\u0131na sahip olmak istiyorsan\u0131z bu bir kestirme yoldur. Bir ortak bankan\u0131n program\u0131na dikkatlice bakmal\u0131 ve ki\u015fisel krediler hizmetinizin onlar\u0131n \u015femsiyesi alt\u0131nda nas\u0131l bar\u0131nd\u0131r\u0131labilece\u011fini g\u00f6rmelisiniz.<\/p>\n\n\n\n

EMI'nin aksine, PI saklama alamaz! Fonlar\u0131n Fransa'daki Mevduat Garanti ve \u00c7\u00f6z\u00fcm Fonu - FGDR - Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution taraf\u0131ndan m\u00fc\u015fteri ba\u015f\u0131na 100.000 \u20ac'ya kadar garanti edilece\u011fi bir kredi kurumuyla \u00e7al\u0131\u015fmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n

Bir g\u00fcn yerle\u015fik bir banka olmak istiyorsan\u0131z, bir PI i\u00e7in gideceksiniz. Ba\u015fvuru s\u00fcreci 12 aydan daha k\u0131sa s\u00fcrer. Bu t\u00fcr bir yap\u0131 i\u00e7in yasal \u00fccretler 50 bin ila 150 bin Avro aras\u0131nda de\u011fi\u015fmektedir. Fiyat, sunmak istedi\u011finiz finansal \u00fcr\u00fcnlere ve banka hesab\u0131 faaliyetlerine ba\u011fl\u0131d\u0131r. Ortalama olarak, meydan okuyan bankan\u0131z\u0131n t\u00fcm operasyonu finanse etmek i\u00e7in 450.000 ila 1,5 milyon Avro aras\u0131nda g\u00fc\u00e7l\u00fc olmas\u0131 gerekecektir.<\/p>\n\n\n\n

\"mavi\u0307<\/figure>\n\n\n\n

\u00d6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 arac\u0131 modeli<\/h2>\n\n\n\n

E\u011fer Asyal\u0131 bir model iseniz, kendi \u0131\u015f\u0131k lisans\u0131n\u0131za ve yard\u0131m\u0131n\u0131za sahip olman\u0131z gerekir. Giri\u015fimler ve kurulu\u015flar ba\u015fka bir \u015firketin \u015femsiyesi alt\u0131na girmeyi takdir etmeli mi? Start-up'lar, zorlu bankalar\u0131n s\u00fcr\u00fcs\u00fcne kat\u0131lmak i\u00e7in yeterli b\u00fcy\u00fckl\u00fc\u011fe ula\u015fana kadar \u00fc\u00e7\u00fcnc\u00fc taraf alt\u0131nda \u00e7al\u0131\u015f\u0131rlar. Sanal bir \u015femsiyeyi takip etmek zorunda kalacaklar. bankac\u0131l\u0131k politikas\u0131<\/a> yan\u0131 s\u0131ra bir ortak sanal bankac\u0131l\u0131k lisans politikas\u0131. Bu yeni bankalar beyaz etiketli bir banka kart\u0131 ile faaliyet g\u00f6stermektedir.<\/p>\n\n\n\n

\u015eemsiye banka art\u0131k bir hizmet sa\u011flay\u0131c\u0131d\u0131r ve mevduat hesaplar\u0131, para birimi de\u011fi\u015fiklikleri, cari hesaplar, b\u00fct\u00e7e y\u00f6netimi, \u00e7evrimi\u00e7i bankac\u0131l\u0131k genellikle iki g\u00fcnl\u00fck \u015femsiye \u015firket lisansl\u0131d\u0131r. Bu \u015femsiye \u015firket, varl\u0131klar\u0131n bipleri ile para kazanacak. y\u00f6netim alt\u0131nda veya i\u015flem ak\u0131\u015f\u0131. Test etmek i\u00e7in \u00e7ok g\u00fczel bir yol kendi bankan\u0131z\u0131 kurmadan \u00f6nce pazar<\/a>. A\u00e7\u0131k\u00e7as\u0131, ana avantaj\u0131 h\u0131zl\u0131 bir \u015fekilde ba\u015flayabilmenizdir. En b\u00fcy\u00fck dezavantaj\u0131 ise \u00fc\u00e7\u00fcnc\u00fc taraf bir sisteme ve kontrole ba\u011f\u0131ml\u0131 olman\u0131zd\u0131r... yani karma\u015f\u0131k KYC ve iyile\u015ftirme s\u00fcre\u00e7lerini y\u00f6netmeniz gerekiyorsa. \u015eemsiye finansal hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131n b\u00fcy\u00fcmenizi takip edip etmeyece\u011fini dikkatlice test etmelisiniz. Ayl\u0131k bak\u0131m \u00fccretleri bu model i\u00e7in bir engel olabilir.<\/p>\n\n\n\n

\"beyaz<\/figure>\n\n\n\n

\u00d6deme Neo neo lisanslar\u0131<\/h2>\n\n\n\n

T\u00fcm d\u00fcnyada art\u0131k daha esnek d\u00fczenlemelerden faydalanmak m\u00fcmk\u00fcn. S\u00f6zde bankac\u0131l\u0131k lisanslar\u0131n\u0131n ba\u015flamas\u0131yla karma\u015f\u0131k bankac\u0131l\u0131k lisans\u0131 olmadan kendi bankan\u0131z\u0131 kurabilirsiniz. Bu yeni lisans t\u00fcr\u00fc, yeni dijital banka f\u0131rsatlar\u0131na kap\u0131 a\u00e7\u0131yor.<\/p>\n\n\n\n

Instaprint bankas\u0131n\u0131n yeni versiyonu, ger\u00e7ekte \u00f6demeler gibi finansal hizmetleri daha yumu\u015fak bir d\u00fczenleme i\u00e7inde sunuyor. \u00d6deme lisanslar\u0131 genellikle yeni dijital bankalar i\u00e7in test alanlar\u0131 sa\u011flayan d\u00fczenleyici g\u00f6nderme kutular\u0131yla ili\u015fkilendirilir.<\/p>\n\n\n\n

InvestGlass kendi bankac\u0131l\u0131k hizmetlerinizi olu\u015fturman\u0131za nas\u0131l yard\u0131mc\u0131 oluyor?<\/h2>\n\n\n\n

InvestGlass, sizi bir API kan\u0131tlayan herhangi bir fintech'e ba\u011flayan yeni nesil bir \u00e7ekirdek CRM sistemidir. CRM \u00e7ekirde\u011fini tipik neobank hizmetlerine ba\u011fl\u0131yoruz ve \u015firketlerin en iyi fintech ile ortakl\u0131k kurmas\u0131na yard\u0131mc\u0131 oluyoruz. Finansal sa\u011fl\u0131k, sigorta, ipotek, MIFID, FinSa onboarding ve daha fazlas\u0131 i\u00e7in her t\u00fcrl\u00fc onboarding olu\u015fturmak i\u00e7in robo dan\u0131\u015fman\u0131 olu\u015fturuyoruz.<\/p>\n\n\n\n

InvestGlass bulut tabanl\u0131 bir platformdur, ancak InvestGlass'\u0131 \u015firket i\u00e7inde de kurabiliriz. Yeni i\u015f modelleri yaratmay\u0131 seviyoruz :<\/p>\n\n\n\n

    \n
  • geleneksel bankalarin geli\u0307\u015fti\u0307ri\u0307lmesi\u0307<\/li>\n\n\n\n
  • bankac\u0131l\u0131k hizmetlerini birbirine ba\u011flamak<\/li>\n\n\n\n
  • para y\u00f6netimi uygulamas\u0131<\/li>\n\n\n\n
  • para transferlerine ba\u011flan\u0131n<\/li>\n\n\n\n
  • sigorta \u015firketleri olu\u015fturmak<\/li>\n\n\n\n
  • fiziksel banka \u015fubelerini modernize etmek<\/li>\n\n\n\n
  • e\u015fler aras\u0131 \u00f6deme sistemi kurmak<\/li>\n\n\n\n
  • tam te\u015fekk\u00fcll\u00fc bir bankac\u0131l\u0131k hizmetleri platformu olu\u015fturmak<\/li>\n\n\n\n
  • yeni dijital deneyimlerle fiziksel \u015fubelere ba\u011flanma<\/li>\n\n\n\n
  • otomasyonun kald\u0131r\u0131lmas\u0131, m\u00fc\u015fteri ili\u015fkileri hizmetleri otomasyonunun sa\u011flanmas\u0131nda<\/li>\n\n\n\n
  • mobil uygulama olu\u015fturun<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

    The shift toward digital banking is accelerating, with 36% of UK adults now using digital-only accounts, and 64% of millennials relying on app-based banking (Finder). Leading neobanks like Revolut and Monzo are thriving, with Revolut surpassing 45 million users globally and Monzo exceeding 10 million UK customers in 2024 (UK Tech News). As digital preferences grow, traditional banks must innovate to stay competitive. Which license do you need to […]<\/p>\n","protected":false},"author":1,"featured_media":30163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[285],"class_list":["post-30162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-neobank-license"],"yoast_head":"\nWhich license do you need to become a neobank? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Which license do you need to become a neobank?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/tr\/neobank-olmak-i\u0307ci\u0307n-hangi\u0307-li\u0307sansa-i\u0307hti\u0307yaciniz-var\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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