{"id":1140,"date":"2022-07-21T08:25:47","date_gmt":"2022-07-21T08:25:47","guid":{"rendered":"https:\/\/ehesapp.com\/?p=1140"},"modified":"2025-04-28T08:47:55","modified_gmt":"2025-04-28T08:47:55","slug":"fintech-finansal-teknoloji-nedir","status":"publish","type":"post","link":"https:\/\/ehesapp.com\/en\/blog\/fintech-finansal-teknoloji-nedir\/","title":{"rendered":"Fintech (Finansal Teknoloji) Nedir?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1140\" class=\"elementor elementor-1140\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eb091d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb091d8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97583b6\" data-id=\"97583b6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3387848d elementor-widget elementor-widget-html\" data-id=\"3387848d\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n  ul.breadcrumb {\n    padding: 10px 16px;\n    list-style: none;\n  }\n  ul.breadcrumb li {\n    display: inline;\n    font-size: 18px;\n  }\n  ul.breadcrumb li a {\n    text-decoration: none;\n  }\n  ul.breadcrumb li a:hover {\n    text-decoration: underline;\n  }\n<\/style>\n\n<div style=\"margin-bottom:20px;\">  \n  <div  itemscope=\"\" itemtype=\"http:\/\/schema.org\/BreadcrumbList\">\n    <ul class=\"breadcrumb\">\n      <li itemprop=\"itemListElement\" itemscope=\"\" itemtype=\"http:\/\/schema.org\/ListItem\">\n        <a itemprop=\"item\"  title=\"e-Payment System\" href=\"https:\/\/ehesapp.com\/en\/e-odeme-sistemi\/\">\n          <span itemprop=\"name\">e-Payment System<\/span>\n          <meta itemprop=\"position\" content=\"1\">\n        <\/a>\n     <\/li>\n      <li>\n\t\t\t\t<span style=\"font-size: 16px !important\">\/<\/span>\n      <\/li>\n      <li itemprop=\"itemListElement\" itemscope=\"\" itemtype=\"http:\/\/schema.org\/ListItem\"> \n        <a itemprop=\"item\" title=\"Fintech (Finansal Teknoloji) Nedir?\" href=\"https:\/\/ehesapp.com\/en\/blog\/fintech-finansal-teknoloji-nedir\/\">\n          <span itemprop=\"name\">Fintech (Finansal Teknoloji) Nedir?<\/span>\n        <\/a>\n        <meta itemprop=\"position\" content=\"2\">\n     <\/li>\n      <li>\n      <\/li> \n    <\/ul>\n  <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fa32884 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fa32884\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-417a119b\" data-id=\"417a119b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20492051 elementor-widget elementor-widget-heading\" data-id=\"20492051\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Fintech (Finansal Teknoloji) Nedir?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e10e442 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e10e442\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23d14526\" data-id=\"23d14526\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d288680 elementor-widget elementor-widget-text-editor\" data-id=\"2d288680\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fintech\u2019in ne oldu\u011funu a\u00e7\u0131klamadan \u00f6nce kelime kar\u015f\u0131l\u0131\u011f\u0131ndan bahsetmek gerekir. Kavram \u2018fintech\u2019 olarak kullan\u0131labilece\u011fi gibi T\u00fcrk\u00e7e\u2019ye \u2018fintek\u2019 olarak ge\u00e7mi\u015ftir. A\u00e7\u0131klamak i\u00e7in ise \u0130ngilizce kar\u015f\u0131l\u0131klar\u0131na bakmak gerekir. &#8220;Finance&#8221; ve &#8220;Technology&#8221;\u00a0 kelimelerinin birle\u015fimi ile ortaya fintech kavram\u0131 \u00e7\u0131kar. T\u00fcrk\u00e7e olarak de\u011ferlendirdi\u011fimizde ise finans ve teknoloji kelimelerinin harmanlanmas\u0131d\u0131r. Ancak kavram\u0131n ortaya \u00e7\u0131k\u0131\u015f\u0131 geleneksel\u00a0 finansal hizmet anlay\u0131\u015f\u0131n\u0131n ortadan kalkmas\u0131na sebep olmu\u015ftur. \u0130nternet, veri analiti\u011fi, mobil, Ar-Ge teknolojileri gibi ara\u00e7lar\u0131n ortaya \u00e7\u0131k\u0131\u015f\u0131 beraberinde fintech kavram\u0131n\u0131n da ivme kazanmas\u0131na imkan tan\u0131m\u0131\u015ft\u0131r. Dolay\u0131s\u0131yla inovatif teknolojiler finansal hizmetler geli\u015ferek t\u00fcketici ile bulu\u015fmu\u015ftur.<\/span><\/p><p><span style=\"font-weight: 400;\">Fintech, geleneksel finans hizmetlerini teknolojik donan\u0131m ve yaz\u0131l\u0131mlar arac\u0131l\u0131\u011f\u0131yla i\u015fleyen geli\u015fmi\u015f bir bankac\u0131l\u0131k sistemidir. \u00d6te yandan geleneksel finans y\u00f6ntemleri ile rekabet i\u00e7erisinde oldu\u011funu s\u00f6ylemek m\u00fcmk\u00fcn. Fintech teknolojilerinin birincil amac\u0131 ise finansal i\u015flemlerin k\u0131sa bir s\u00fcrede pratik bir bi\u00e7imde ger\u00e7ekle\u015ftirmeye \u00e7al\u0131\u015fmakt\u0131r. Manuel ve geleneksel \u015fekilde i\u015fleyen sistemlere getirilen yeni bir \u00e7\u00f6z\u00fcm olarak da kar\u015f\u0131m\u0131za \u00e7\u0131kar. \u00d6zetle; fintech finans alan\u0131nda devrim niteli\u011findeki geli\u015fmeleri ifade eder.\u00a0<\/span><span style=\"color: var(--sydney-text-color);\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4543a278 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4543a278\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5cc1523f\" data-id=\"5cc1523f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e2e083 elementor-widget elementor-widget-text-editor\" data-id=\"9e2e083\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Fintech<strong> Finans Alan\u0131nda Devrim<\/strong> Niteli\u011findeki<strong> Geli\u015fmeleri \u0130fade Eder. \u00a0<\/strong><\/span><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef0e2bc elementor-absolute elementor-widget__width-initial elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ef0e2bc\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-light-bulb1\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ff76822 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ff76822\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d9a746e\" data-id=\"4d9a746e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d582a23 elementor-widget elementor-widget-text-editor\" data-id=\"3d582a23\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Teknoloji insan hayat\u0131n\u0131n hemen hemen her noktas\u0131na temas ediyor. Ayn\u0131 \u015fekilde bu temas ile birlikte\u00a0 para y\u00f6netimi ve harcama \u015fekilleri de de\u011fi\u015fime u\u011fruyor. Finansal kurulu\u015flar ve \u015firketler ise kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z bu de\u011fi\u015fim \u015fartlar\u0131na adapte olmaya \u00e7al\u0131\u015f\u0131yor.\u00a0 \u0130nternet \u00f6ncesi d\u00f6nemde kullan\u0131ma sunulan ATM\u2019lerin asl\u0131nda ilk fintech giri\u015fimleri oldu\u011funu s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr. Para transfer uygulamalar\u0131, cep c\u00fczdan, mobil \u00f6deme sistemleri ise finansal teknolojiler (fintech) ile geli\u015fim g\u00f6sterir. Asl\u0131nda fintech ki\u015fi ve kurumlar\u0131n kar\u015f\u0131la\u015ft\u0131\u011f\u0131 problemlere \u00e7\u00f6z\u00fcm odakl\u0131 geli\u015fme g\u00f6stermi\u015f teknolojilerdir.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">2008 y\u0131l\u0131nda finansal veya k\u00fcresel finansal kriz olarak bir sorun ile kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z\u0131 biliyoruz. Bu sorun t\u00fcm d\u00fcnya bankac\u0131l\u0131k sistemlerinde derin bir risk ve g\u00fcvensizlik olu\u015fturur. \u00d6te yandan olumsuz durumdan ba\u011f\u0131ms\u0131z halde fintech teknolojileri geli\u015fimine devam eder.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Fintech giri\u015fimleri ise \u00fclkemiz ba\u015fta olmak \u00fczere t\u00fcm d\u00fcnyada geli\u015fmekte ve h\u0131zla de\u011fi\u015fmektedir. ABD, \u00c7in, \u0130ngiltere gibi \u00fclkeler fintech teknolojilerini yayg\u0131n olarak kullanmakta ve \u00e7al\u0131\u015fmalara b\u00fcy\u00fck \u00f6nem vermektedir. Fintech ile geli\u015fen bir\u00e7ok uygulama, uygun maliyetli \u00e7\u00f6z\u00fcmleri ile tasarruf sa\u011flam\u0131\u015ft\u0131r.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33622495 elementor-widget elementor-widget-heading\" data-id=\"33622495\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fintech\u2019in (Finansal Teknoloji) Tarihsel Geli\u015fimi <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45a490e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45a490e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a391051\" data-id=\"1a391051\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b5e8b2 elementor-widget elementor-widget-text-editor\" data-id=\"4b5e8b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fintech kavram\u0131 2008 y\u0131l\u0131ndan sonra s\u0131kl\u0131kla ad\u0131n\u0131 duyursa da arka plan\u0131 \u00e7ok daha eskiye dayanmaktad\u0131r. \u00d6zellikle bilgisayar ile gelen teknolojik geli\u015fim finansal inovasyona katk\u0131da bulunmu\u015ftur. Bilgi i\u015flem s\u00fcre\u00e7lerinde ya\u015fanan geli\u015fmeler finans s\u00fcre\u00e7lerinde de olumlu etkiyi s\u00fcrd\u00fcrm\u00fc\u015ft\u00fcr. Uluslararas\u0131 piyasalar fiyatlama-de\u011ferleme gibi ileri matematik hesab\u0131 gerektiren algoritmalar\u0131 kullan\u0131r. Bununla birlikte uluslararas\u0131 para transferi, muhasebe i\u015flemleri bilgisayar teknolojisinin sundu\u011fu hassasiyet ve h\u0131za ihtiya\u00e7 duyar. 2008 y\u0131l\u0131na kadar gelinen s\u00fcre\u00e7te ATM, plastik kart, para transferi gibi i\u015flemler fintech s\u0131n\u0131f\u0131nda yer al\u0131yordu. Ancak 2008 sonras\u0131 d\u00f6nemde finansal farkl\u0131l\u0131k ve inovasyon kavramlar\u0131 boyut de\u011fi\u015ftirmi\u015ftir.\u00a0 Fintech\u2019in tarihsel geli\u015fiminin 1866 y\u0131l\u0131na\u00a0 dayand\u0131\u011f\u0131n\u0131 s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr.\u00a0 Ancak kesin olarak bir ba\u015flang\u0131\u00e7 noktas\u0131 vermek do\u011fru olmayacakt\u0131r. Genel olarak kronolojik geli\u015fimi 3 d\u00f6nem aras\u0131nda incelenir. Fintech 1.0, Fintech 2.0, Fintech 3.0 olarak bahsedebiliriz. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e497975 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e497975\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-788f6680\" data-id=\"788f6680\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50d08a2b elementor-widget elementor-widget-heading\" data-id=\"50d08a2b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fintech 1.0 <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c69c72e elementor-widget elementor-widget-text-editor\" data-id=\"4c69c72e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Finansal teknolojinin telgraf ve trans-atlantik kablonun d\u00f6\u015fenmesi ile hayat\u0131m\u0131za girdi\u011fi biliniyor. Manuel uygulamalar finansal alanda kullan\u0131m bulur ve\u00a0 1866-1967 y\u0131llar\u0131 aras\u0131 finansal bilgi iletiminin sa\u011fland\u0131\u011f\u0131 d\u00f6nemdir. 1. D\u00fcnya sava\u015f\u0131 sonras\u0131 geli\u015fen alt yap\u0131 sistemleri sayesinde yayg\u0131nla\u015f\u0131r ve geli\u015fir. Ayr\u0131ca bu d\u00f6nemde \u00f6demeler h\u0131zl\u0131 bir \u015fekilde ger\u00e7ekle\u015fir haldedir. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6452e631 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6452e631\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3cef6a79\" data-id=\"3cef6a79\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-671304bd elementor-widget elementor-widget-heading\" data-id=\"671304bd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fintech 2.0 <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4809cca1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4809cca1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-30fae37\" data-id=\"30fae37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67fd0f70 elementor-widget elementor-widget-text-editor\" data-id=\"67fd0f70\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">1967 y\u0131l\u0131 itibariyle ba\u015flar ve 2008 y\u0131l\u0131nda g\u00f6r\u00fcn\u00fcrl\u00fck kazanan k\u00fcresel finansal krize kadar devam eder. 1967 y\u0131l\u0131ndan sonra ticari ve ileti\u015fim ile ilgili i\u015flemlerin ger\u00e7ekle\u015fmesi i\u00e7in kullan\u0131lan teknolojiler yetersiz kal\u0131r. Bu yetersizlikten yola \u00e7\u0131karak teknolojiler dijitalle\u015fir bu sayede finansal \u00fcr\u00fcn ve teknolojiler de ayn\u0131 de\u011fi\u015fime u\u011fram\u0131\u015f olur. D\u00f6nem aral\u0131\u011f\u0131nda ATM\u2019ler, internet ve mobil bankac\u0131l\u0131k, banka ve kredi kartlar\u0131n\u0131n sekt\u00f6r i\u00e7erisinde var olur. \u00d6zellikle kredi kartlar\u0131 ve ATM\u2019lerin piyasaya \u00e7\u0131k\u0131\u015f\u0131 d\u00f6nemin en etkinlik g\u00f6steren hizmet ve \u00fcr\u00fcnleridir. \u0130kisinin de varl\u0131\u011f\u0131 finansal ve teknolojik ili\u015fkiyi ortaya \u00e7\u0131karan en \u00f6nemli geli\u015fme olarak bilinir. Bu a\u015famadan sonra finansal hizmet sekt\u00f6r\u00fc h\u0131z kesmeden geli\u015fimine devam etmi\u015ftir. Geleneksel finans kurumlar\u0131 servis ve \u00fcr\u00fcnlerini geli\u015ftirerek inovatif teknoloji kullan\u0131m\u0131n\u0131 toplum i\u00e7erisinde yayg\u0131nla\u015ft\u0131r\u0131r.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4220fc1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4220fc1a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26fecbf8\" data-id=\"26fecbf8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b85058b elementor-widget elementor-widget-heading\" data-id=\"7b85058b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fintech 3.0 <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c903199 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c903199\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7590b89\" data-id=\"7590b89\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cf72404 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cf72404\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8abde05\" data-id=\"8abde05\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-331a6061 elementor-widget elementor-widget-text-editor\" data-id=\"331a6061\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">3.d\u00f6nemin 2008 k\u00fcresel finansal kriz ile ba\u015flar ve geli\u015fimi g\u00fcn\u00fcm\u00fcze kadar devam eder. T\u00fcrev \u00fcr\u00fcnler piyasas\u0131ndaki \u00f6ng\u00f6r\u00fclemez geli\u015fim ve kontrolden \u00e7\u0131kmas\u0131\u00a0 2008 krizini tetiklemi\u015ftir. D\u00f6nem i\u00e7erisinde Mortage Krizi olarak da adland\u0131r\u0131l\u0131r. Kriz yaln\u0131zca Mortage Kredisi temelli ortaya \u00e7\u0131kmam\u0131\u015ft\u0131r ancak literat\u00fcre bu \u015fekilde ge\u00e7mi\u015ftir.\u00a0 O g\u00fcnlerde t\u00fcrev \u00fcr\u00fcnleri t\u00fcm d\u00fcnyada sat\u0131\u015f ve pazarlama imkan\u0131 bulur ancak dayanak varl\u0131klar\u0131ndaki belirsiz riskler yer al\u0131r. Bu riskler, dolay\u0131s\u0131yla krizi global \u00f6l\u00e7ekte etkisi alt\u0131na al\u0131r. Bili\u015fim teknolojilerindeki ilerleme d\u00fcnyay\u0131 k\u00fc\u00e7\u00fck bir pazar yerine \u00e7evirmi\u015f, t\u00fcm \u00e7evrelerinde krizden etkilenmesine sebep olmu\u015ftur.Krizin hemen ard\u0131ndan devletler ve\u00a0 kurumlar finansal tedbirler ve koruma planlar\u0131 devreye alm\u0131\u015ft\u0131r. Tedbir ve planlar ise farkl\u0131 fintech \u00fcr\u00fcnlerini tetiklemi\u015f ve giri\u015fim say\u0131lar\u0131nda art\u0131\u015fa imkan vermi\u015ftir. Kriz etraf\u0131nda \u015fekil al\u0131p olgunla\u015fmaya ba\u015flayan bu giri\u015fimlerin aslen 10 y\u0131ll\u0131k bir\u00a0 ivme kaydetti\u011fini s\u00f6ylemek m\u00fcmk\u00fcn. Halen geli\u015fimini tamamlamam\u0131\u015f da olsa gelece\u011fin finans end\u00fcstrisini finansal teknolojilerin ger\u00e7ekle\u015ftirece\u011fini tahmin etmek zor de\u011fildir.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6674ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f6674ba\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-78f7d1f\" data-id=\"78f7d1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ce106ca elementor-widget elementor-widget-image\" data-id=\"ce106ca\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"468\" src=\"https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-1536x468.jpg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-1143\" alt=\"Fintech i\u00e7 resim\" srcset=\"https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-1536x468.jpg 1536w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-300x91.jpg 300w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-1024x312.jpg 1024w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-768x234.jpg 768w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-2048x623.jpg 2048w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-18x5.jpg 18w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-920x280.jpg 920w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-230x70.jpg 230w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-350x107.jpg 350w, https:\/\/ehesapp.com\/wp-content\/uploads\/2022\/07\/financial-report-data-business-operations-balance-sheet-income-statement-diagram-as-fintech-conceptbusiness-team-meeting-digital-tablet-computer-laptop-480x146.jpg 480w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-47452706 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47452706\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64079e00\" data-id=\"64079e00\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-784891d8 elementor-widget elementor-widget-heading\" data-id=\"784891d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fintech Ekosistemi Nedir?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afc85b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afc85b2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-186d90dd\" data-id=\"186d90dd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16d6d5df elementor-widget elementor-widget-text-editor\" data-id=\"16d6d5df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Varl\u0131klar\u0131n etkile\u015fimi ile olu\u015fan hareket ve\u00a0 bu hareketin s\u00fcreklilik arz etmesi sonucunda ekosistem olu\u015fur. Finansal kavram olarak ele al\u0131nd\u0131\u011f\u0131nda ise fintech ekosistemi olarak bahsederiz. Fintech ekosistemi i\u00e7erisinde etkile\u015fimde bulunan oyuncular, y\u00f6netimler\u00a0 ve varl\u0131klar bulunur. Dolay\u0131s\u0131yla bir d\u00f6ng\u00fc halinde olan bu sistemde herhangi bir par\u00e7a i\u015flemedi\u011finde hayat durma noktas\u0131na gelir veya d\u00fczen bozulabilir. Sistemin devaml\u0131l\u0131\u011f\u0131 i\u00e7in birbiri ile i\u015fbirli\u011fi i\u00e7erisinde \u00e7al\u0131\u015fan oyuncular olmas\u0131 esast\u0131r.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Fintech ekosisteminin 5 ana fakt\u00f6rden olu\u015fmaktad\u0131r.\u00a0 Kavramlar\u0131 ve \u00fcstlendi\u011fi misyonlardan bahsedecek olursak;<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>D\u00fczenleyici ve Denetleyici Kurumlar:<\/b><span style=\"font-weight: 400;\"> \u0130lk s\u0131rada devlet gelecektir. Bunun yan\u0131nda d\u00fczenleyici ve denetleyici kurumlar, bu kurumlar\u0131n hayata ge\u00e7irdikleri normlar.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fintech Giri\u015fimleri:<\/b><span style=\"font-weight: 400;\"> Fintech giri\u015fimleri ikinci s\u0131radad\u0131r. Bu giri\u015fimler faaliyet alanlar\u0131na g\u00f6re farkl\u0131l\u0131k g\u00f6sterecektir. \u00d6deme sistemleri, varl\u0131k y\u00f6netimi, kredilendirme gibi faaliyet alanlar\u0131 giri\u015fim halkalar\u0131 aras\u0131ndad\u0131r.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Teknoloji Geli\u015ftiriciler:<\/b><span style=\"font-weight: 400;\"> Ekosistemin \u00fc\u00e7\u00fcnc\u00fc unsurunu ise teknoloji geli\u015ftiriciler olu\u015fturur. Bu fintech giri\u015fimlerinin ortaya \u00e7\u0131kmas\u0131na ve geli\u015fmesine en fazla katk\u0131da bulunan halkad\u0131r. \u00c7\u00fcnk\u00fc yapay zeka, veri analiti\u011fi, mobil \u00f6deme sistemleri, bulut bili\u015fim gibi teknolojileri kullan\u0131r. Ayn\u0131 zamanda geli\u015ftirerek halka d\u00f6ng\u00fcs\u00fcn\u00fc sa\u011flar.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Finansal M\u00fc\u015fteriler:<\/b><span style=\"font-weight: 400;\"> Finansal teknolojilerden yararlanan finansal m\u00fc\u015fteriler ise d\u00f6rd\u00fcnc\u00fc halkad\u0131r. Bunlar ger\u00e7ek veya t\u00fczel ki\u015filer olabilir.\u00a0\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kurum ve Kurulu\u015flar:<\/b><span style=\"font-weight: 400;\"> Son ve be\u015finci halka ise finansal \u00fcr\u00fcn ve hizmetleri m\u00fc\u015fteriler ile bulu\u015fturan kurum ve kurulu\u015flard\u0131r. Bunlar geleneksel manada i\u015fleyen banka, yat\u0131r\u0131m veya sigorta \u015firketleri olabilir.\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Fintech ekosistemini olu\u015fturan bu 5 ana unsur ekosistemi olu\u015fturur, geli\u015ftirir ve y\u00fcr\u00fct\u00fcr. Herhangi bir unsurun di\u011ferinden ayr\u0131 bir alanda etkinlik g\u00f6stererek sonuca ula\u015fmas\u0131 \u015fu an i\u00e7in m\u00fcmk\u00fcn g\u00f6z\u00fckmemektedir.\u00a0 <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18b67370 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18b67370\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45472809\" data-id=\"45472809\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6101c65f elementor-widget elementor-widget-heading\" data-id=\"6101c65f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fintechler Neler Yapar?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a040af2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a040af2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2055d763\" data-id=\"2055d763\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7aac977a elementor-widget elementor-widget-text-editor\" data-id=\"7aac977a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fintech ve fintech giri\u015fimleri hayat\u0131m\u0131zda bankalar kadar b\u00fcy\u00fck bir alana sahiptir. Bu \u00f6zellikle son y\u0131llarda kaydedilmi\u015f bir geli\u015fmedir. Bu durumdan dolay\u0131 g\u00fcn\u00fcm\u00fczde pek \u00e7ok global banka finansal teknolojiler i\u00e7in fon ay\u0131rm\u0131\u015ft\u0131r. Finansal teknolojilerin son zamanlarda olduk\u00e7a \u00f6n planda olmas\u0131n\u0131n sebebi ise mobiliteye dayanmaktad\u0131r. \u0130nsanlar art\u0131k herhangi bir \u00f6deme i\u00e7in bir kuruma fiziki olarak ula\u015fmay\u0131 tercih etmiyor. Her an her yerden hesaplar\u0131na eri\u015febilmek ise en b\u00fcy\u00fck kolayl\u0131k olarak g\u00f6r\u00fcl\u00fcr.<\/span><\/p><p><span style=\"font-weight: 400;\">Peki bu a\u015famada fintechlerin hangi i\u015flere \u00e7\u00f6z\u00fcm yaratt\u0131\u011f\u0131na g\u00f6z atacak olursak;\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bankac\u0131l\u0131k sisteminde ki\u015filere \u00f6zel \u00e7\u00f6z\u00fcmler sunar. Ki bu \u00e7\u00f6z\u00fcmler bankac\u0131l\u0131k sistemleri i\u00e7in devrim niteli\u011findedir.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0130novatif \u00fcr\u00fcn ve hizmetler sunar.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rekabet\u00e7i fiyat avantaj\u0131 sunar. D\u00fc\u015f\u00fck maliyetli \u00e7\u00f6z\u00fcmlerdir. Ayr\u0131ca bu durum hem bireysel m\u00fc\u015fteriler hem de finansal kurulu\u015flar veya \u015firketler i\u00e7inde ge\u00e7erlidir.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finans sekt\u00f6r\u00fcne alternatif \u00e7\u00f6z\u00fcmler ve uygulamalar sunar.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finans sistemi d\u0131\u015f\u0131nda kalan bireyleri ihmal etmez. Onlara da ula\u015f\u0131m sa\u011flar.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00fc\u015fteri deneyimine odaklan\u0131r. \u00c7ok h\u0131zl\u0131 bir \u015fekilde de\u011fi\u015fim ve geli\u015fim g\u00f6stermesinin as\u0131l sebebi budur. Kullan\u0131c\u0131 deneyimlerini sistematik olarak takip eder. <\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f4ff13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f4ff13\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33ac518\" data-id=\"33ac518\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c505611 elementor-widget elementor-widget-text-editor\" data-id=\"c505611\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 style=\"text-align: center;\"><span style=\"color: #ffffff;\">\u0130nsanlar Hayat\u0131 Daha Kolay Ya\u015famak \u0130\u00e7in Fintech Teknolojilerini Tercih Ediyorlar!<\/span><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfc9c5d elementor-absolute elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"bfc9c5d\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-light-bulb1\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-988e49a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"988e49a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c0ed09\" data-id=\"9c0ed09\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c92c68d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c92c68d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f85288\" data-id=\"6f85288\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-02f47a9 elementor-widget elementor-widget-heading\" data-id=\"02f47a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fintech Uygulamalar\u0131 Nelerdir? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e4fa7b elementor-widget elementor-widget-text-editor\" data-id=\"1e4fa7b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Fintech ekosistemi i\u00e7erisinde 4 ana grup bulunmaktad\u0131r. Giri\u015fimci, teknoloji \u015firketleri ve akademiler gibi sistemlerin bir araya geldi\u011fi \u2018insan kayna\u011f\u0131\u2019 birinci gruptur. Geleneksel finansal kurulu\u015flar, m\u00fc\u015fteri ve kurumlar \u2018talep\u2019 yani ikinci gruptur. Devlet, d\u00fczenleyici ve denetleyici kurulu\u015flar \u2018reg\u00fclasyon\u2019 yani \u00fc\u00e7\u00fcnc\u00fc gruptur. Halka arz ve melek yat\u0131r\u0131mc\u0131lar ile giri\u015fim \u015firketleri ise \u2018sermaye\u2019 yani d\u00f6rd\u00fcnc\u00fc grubu olu\u015fturur. Bu halkalar aras\u0131nda t\u00fcm kurumlar etkile\u015fim i\u00e7erisindedir. Ancak devletin talep ve sermaye zincirinde de \u00f6zellikle etkilerini s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Mobil bankac\u0131l\u0131k sistemleri, artan veri, internet geli\u015fimi gibi etkenler bu d\u00f6rt ana grubun tamam\u0131n\u0131 farkl\u0131 \u015fekillerde etkile\u015fime sokar. Bu sayede kar\u015f\u0131m\u0131za \u00e7\u0131kan fintech uygulama veya \u00e7\u00f6z\u00fcmleri ise a\u015fa\u011f\u0131daki \u015fekildedir:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mobil\u00a0 ve dijital \u00f6deme sistemi teknolojisi,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ki\u015filer aras\u0131 para transferi<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Finansal y\u00f6netim,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sohbet botlar\u0131 ile m\u00fc\u015fteri deste\u011fi,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Temass\u0131z \u00f6deme,<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Parmak izi, y\u00fcz ve g\u00f6z tan\u0131ma \u00f6zellikleri ile art\u0131r\u0131lm\u0131\u015f g\u00fcvenlik \u00f6nlemleri<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yapay zeka ile portf\u00f6y y\u00f6netimi<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kripto para ve blockchain teknolojisi\u00a0<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Bahsetti\u011fimiz \u00fczere fintechler\u00a0 para piyasalar\u0131, yat\u0131r\u0131m, bankac\u0131l\u0131k ve kurumsal finans gibi platformlara y\u00f6nelik \u00e7\u00f6z\u00fcmler sunar. Geli\u015fimine devam eder. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5939036 elementor-widget elementor-widget-heading\" data-id=\"5939036\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fintech (Finansal Teknoloji) Kapsam\u0131nda Sundu\u011fumuz \u00c7\u00f6z\u00fcmler <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9225f30 elementor-widget elementor-widget-text-editor\" data-id=\"9225f30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">E-Hesapp\u2019\u0131n hitap etti\u011fi kitle b\u00fcy\u00fck kurumsal \u015firketlerin finans birimlerine ait i\u015flerdir. Bu i\u015fleri ise e-\u00f6deme, e-tahsilat, pos rapor, e-mutabakat gibi \u00fcr\u00fcnler ile kolayla\u015ft\u0131rmaya \u00e7al\u0131\u015f\u0131r. K\u0131saca g\u00f6z atacak olursak;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfbc120 elementor-widget elementor-widget-heading\" data-id=\"cfbc120\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">H\u0131zl\u0131 \u0130\u015flem Otomasyonu \u0130le Tam Zamanl\u0131 Yard\u0131mc\u0131<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f2cbe1 elementor-widget elementor-widget-text-editor\" data-id=\"2f2cbe1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yakla\u015f\u0131k 3000 bayiye sahip bir firma oldu\u011funu d\u00fc\u015f\u00fcnelim. 3000 bayiden firmaya b2b portal \u00fczerinden sipari\u015f ak\u0131\u015flar\u0131 olacakt\u0131r. Bayi firmadan sipari\u015f talebi olu\u015fturuyor ancak ilk yapmas\u0131 gereken i\u015flem \u00f6demedir. Geleneksel \u00f6deme\u00a0 sistemlerinde \u00f6deme bayi taraf\u0131ndan ger\u00e7ekle\u015fir. Firma ise bu \u00f6demeyi en erken bir g\u00fcn sonra geriye d\u00f6n\u00fck banka hesap \u00f6zetine bakarak tespit eder. Bu durumda sipari\u015fin \u00e7\u0131kmas\u0131 ve bayiye ula\u015fmas\u0131 gecikir. \u00c7o\u011funlukla \u00f6deme yapan bayi firman\u0131n finans birimi ile ileti\u015fim kurarak sipari\u015f onay\u0131 al\u0131r. Bu hem firma hem de bayi taraf\u0131nda ciddi bir mail, dekont\u00a0 ve telefon trafi\u011fine yol a\u00e7ar. Ayr\u0131ca buradaki i\u015f g\u00fcc\u00fc maliyeti ise olduk\u00e7a fazla olacakt\u0131r. E-Hesapp\u2019\u0131n fintech \u00e7\u00f6z\u00fcm\u00fc ile yaln\u0131zca \u00f6deme yapman\u0131z yeterlidir. E-\u00f6deme veya e-tahsilat sistemlerimiz sayesinde bayinin ger\u00e7ekle\u015ftirdi\u011fi \u00f6deme sistemden \u00e7ekilir ve ERP sistemine entegre olur. Sistem dekont \u00fczerinde m\u00fc\u015fteri, sipari\u015f bilgilerini otomatik olarak \u00e7eker,\u00a0 ERP ile m\u00fc\u015fteri \u00f6deme kayd\u0131na atar. Bayi yapt\u0131\u011f\u0131 tek bir i\u015flem ile sipari\u015fine ula\u015fm\u0131\u015f olur.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u00c7\u00f6z\u00fcmlerimizin sa\u011flad\u0131\u011f\u0131 di\u011fer bir kolayl\u0131k ise anl\u0131k raporlama sunmas\u0131d\u0131r. Yine bir \u00f6rnek ile anlatacak olursak;<\/span><\/p><p><span style=\"font-weight: 400;\">Bir firman\u0131n tedarik\u00e7isine yapaca\u011f\u0131 \u00f6demeyi d\u00fc\u015f\u00fcnelim. Firma ile tedarik\u00e7i aras\u0131nda bir s\u00fcr\u00fc fatura d\u00f6ng\u00fcs\u00fc ve s\u00f6zle\u015fme olacakt\u0131r. Tedarik\u00e7i her \u00fcr\u00fcn i\u00e7in farkl\u0131 vade s\u00fcreleri belirtmi\u015f olabilir. Baz\u0131 \u00fcr\u00fcnlerin ayn\u0131 g\u00fcn i\u00e7erisinde \u00f6denmesi gerekirken baz\u0131 \u00fcr\u00fcnlerin hen\u00fcz 90 g\u00fcn vade s\u00fcresi olabilir. Firmalar\u0131n ise \u00f6deme g\u00fcnleri haftal\u0131k, 2 haftal\u0131k veya ayl\u0131k olarak takvimlenmi\u015ftir. E-hesapp\u2019\u0131n sunmu\u015f oldu\u011fu \u00e7\u00f6z\u00fcmler bu tarihleri sizin i\u00e7in raporlar ve hat\u0131rlat\u0131r. Ayr\u0131ca tek bir sistem \u00fczerinde hangi bankada ne kadar kayna\u011f\u0131n\u0131z var ve hangi banka \u00fczerinden \u00f6deme yapaca\u011f\u0131n\u0131za karar verirsiniz.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-503fd38 elementor-widget elementor-widget-heading\" data-id=\"503fd38\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SAP Entegrasyonu \u0130le Finansal \u0130\u015fleriniz Garanti Alt\u0131nda <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f35a188 elementor-widget elementor-widget-text-editor\" data-id=\"f35a188\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">E-Hesapp \u00e7\u00f6z\u00fcmleri sayesinde SAP sistemi banka hizmet servislerine internet arac\u0131l\u0131\u011f\u0131yla online eri\u015fim sa\u011flar. G\u00fcncel hesap hareketleri ve banka hesap \u00f6zetini g\u00f6r\u00fcnt\u00fcler; banka hareketlerini ba\u015fka bir ara y\u00fcze gerek kalmaks\u0131z\u0131n kontrol edersiniz. \u00c7\u00f6z\u00fcmlerimizin sa\u011flad\u0131\u011f\u0131 avantajlar\u0131 \u00f6rneklerle anlatacak olursak; DBS yani do\u011frudan bor\u00e7land\u0131rma sistemini ele alal\u0131m. Bankalar DBS hizmetini \u00e7ok uzun y\u0131llard\u0131r m\u00fc\u015fterilerine sunuyor. Bizim fintech geli\u015fimi olarak sundu\u011fumuz \u00e7\u00f6z\u00fcmde ise bu i\u015flemin online versiyonudur. Bir bayi ve \u00fcr\u00fcn ald\u0131\u011f\u0131 firma oldu\u011funu d\u00fc\u015f\u00fcnelim. Bayi taraf\u0131ndan banka sisteminde \u00f6zel bir limit tan\u0131mlar. Bu limit dahilinde sipari\u015flerini olu\u015fturur. Firma ise buradaki bakiyeden dolay\u0131 \u00f6demelerini g\u00fcvence alt\u0131na al\u0131r. Bu i\u015flemler geleneksel y\u00f6ntemler ile yap\u0131ld\u0131\u011f\u0131 zaman ve maliyet kayb\u0131na yol a\u00e7\u0131yor.\u00a0 \u00d6te yandan belirlenen limitin dolup dolmad\u0131\u011f\u0131 ise takip gerektiriyor. Online DBS ise anl\u0131k olarak limit takibini yapar ve raporlar. B\u00f6ylece her iki taraf da kendini garanti alt\u0131na alm\u0131\u015f olur. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7aa099 elementor-widget elementor-widget-heading\" data-id=\"c7aa099\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pos Tahsilat ve Pos Mutabakat\u2019\u0131n Fintech\u2019deki Yeri <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f1cfcf elementor-widget elementor-widget-text-editor\" data-id=\"9f1cfcf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pos tahsilat \u00e7\u00f6z\u00fcm\u00fc ise firmalar\u0131n taleplerine g\u00f6re \u00f6deme kurulu\u015flar\u0131 veya banka altyap\u0131s\u0131n\u0131 kullan\u0131r. Buradaki inovatif yakla\u015f\u0131m ise birden fazla sanal posun ayn\u0131 anda kullan\u0131lmas\u0131na imkan tan\u0131mas\u0131d\u0131r. \u00d6rne\u011fin firman\u0131n birden fazla banka veya \u00f6deme kurulu\u015flar\u0131 ile sanal pos anla\u015fmas\u0131 bulunuyor. M\u00fc\u015fteri \u00f6deme yaparken komisyon oranlar\u0131, taksit imkanlar\u0131 gibi olanaklar\u0131 de\u011ferlendirir. M\u00fc\u015fteri menfaatlerine g\u00f6re hareket eden ak\u0131ll\u0131 bir sistem oldu\u011funu s\u00f6ylemek m\u00fcmk\u00fcn. Pos mutabakat ise hem sanal hem de fiziki poslar i\u00e7in \u00e7\u00f6z\u00fcm sunar. Ticari faaliyet g\u00f6steren irili ufakl\u0131 t\u00fcm i\u015fletmelerin g\u00fcn\u00fcm\u00fczde pos kulland\u0131\u011f\u0131n\u0131 biliyoruz. Her bir pos farkl\u0131 bir bankaya entegre oldu\u011fu i\u00e7in yap\u0131lan s\u00f6zle\u015fmeler de farkl\u0131l\u0131k g\u00f6sterir. Dolay\u0131s\u0131yla takibi de bir o kadar zor olacakt\u0131r. \u00d6rne\u011fin 10.000 \u00fczerinde \u015fubesi olan bir market zinciri d\u00fc\u015f\u00fcnelim. Bu firman\u0131n her g\u00fcn milyonlarca pos kayd\u0131 olu\u015fur. T\u00fcm bu kay\u0131tlardaki vade tarihlerini, komisyon oranlar\u0131n\u0131n\u00a0 do\u011frulu\u011funu tespit etmek kolay de\u011fildir. T\u00fcm verilerin s\u00f6zle\u015fme ile uyumlu olmas\u0131 beklenir.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">E-Hesapp\u2019\u0131n pos mutabakat ve pos rapor \u00e7\u00f6z\u00fcm\u00fc riskleri\u00a0 ortadan kald\u0131r\u0131r. Taraflar aras\u0131nda yap\u0131lan s\u00f6zle\u015fme ile pos kayd\u0131 aras\u0131nda \u00e7apraz sorgu yaparak sat\u0131r aralar\u0131ndaki a\u00e7\u0131klar\u0131 bulur ve raporlar. Bunlar\u0131n g\u00f6zle takibi olduk\u00e7a zordur ve insan kabiliyetinin \u00f6tesindedir. Pos kay\u0131tlar\u0131n\u0131n ayn\u0131 zamanda muhasebe sistemine do\u011fru bir \u015fekilde akmas\u0131 gerekir. SAP entegrasyonu ise arka planda t\u00fcm bu muhasebe s\u00fcre\u00e7lerini y\u00fcr\u00fct\u00fcr. Sonu\u00e7 olarak i\u015fg\u00fcc\u00fc maliyeti ve i\u015f g\u00fcc\u00fcn\u00fcn g\u00f6zden ka\u00e7\u0131rmas\u0131 ile sebep olaca\u011f\u0131 maliyeti yok etmi\u015f olursunuz. Sizde E-Hesapp\u2019\u0131n sundu\u011fu fintech <a href=\"https:\/\/ehesapp.com\/en\/cozumlerimiz\/\" target=\"_blank\" rel=\"noopener\">\u00e7\u00f6z\u00fcmlerine<\/a> g\u00f6z atmak i\u00e7in web sitemizi inceleyebilirsiniz.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c661f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c661f1\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f33569\" data-id=\"5f33569\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c29345 elementor-widget elementor-widget-heading\" data-id=\"0c29345\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">E-HesApp \u00c7\u00f6z\u00fcmleri Hakk\u0131nda Bilgi Edinin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e4676d elementor-widget elementor-widget-text-editor\" data-id=\"3e4676d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0E-HesApp Fintech (Finansal Teknoloji) Alan\u0131ndaki Yeniliklerimizi \u0130ncelemek \u0130\u00e7in \u00c7\u00f6z\u00fcmler Sayfam\u0131z\u0131 Ziyaret Edin!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-15175a4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15175a4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c01bdaf\" data-id=\"c01bdaf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>e-\u00d6deme Sistemi \/ Fintech (Finansal Teknoloji) Nedir? Fintech (Finansal Teknoloji) Nedir? Fintech\u2019in ne oldu\u011funu a\u00e7\u0131klamadan \u00f6nce kelime kar\u015f\u0131l\u0131\u011f\u0131ndan bahsetmek gerekir. Kavram \u2018fintech\u2019 [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1148,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[8],"tags":[16,13,19],"class_list":["post-1140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-odeme-sistemi","tag-acik-bankacilik","tag-e-odeme","tag-fintech"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fintech (Finansal Teknoloji) Nedir? - eHesApp A\u00e7\u0131k Bankac\u0131l\u0131k Platformu<\/title>\n<meta name=\"description\" content=\"Fintech, geleneksel finans hizmetlerini teknolojik donan\u0131m ve yaz\u0131l\u0131mlar arac\u0131l\u0131\u011f\u0131yla i\u015fleyen geli\u015fmi\u015f bir bankac\u0131l\u0131k sistemidir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ehesapp.com\/en\/blog\/fintech-finansal-teknoloji-nedir\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech (Finansal Teknoloji) Nedir? 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