{"id":1457,"date":"2022-08-18T19:55:39","date_gmt":"2022-08-18T19:55:39","guid":{"rendered":"https:\/\/ehesapp.com\/?p=1457"},"modified":"2025-04-28T08:47:55","modified_gmt":"2025-04-28T08:47:55","slug":"api-kavrami-ve-acik-bankacilik-arasindaki-iliski","status":"publish","type":"post","link":"https:\/\/ehesapp.com\/en\/blog\/api-kavrami-ve-acik-bankacilik-arasindaki-iliski\/","title":{"rendered":"API Kavram\u0131 ve A\u00e7\u0131k Bankac\u0131l\u0131k Aras\u0131ndaki \u0130li\u015fki"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1457\" class=\"elementor elementor-1457\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ed00bed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ed00bed\" 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 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itemprop=\"itemListElement\" itemscope=\"\" itemtype=\"http:\/\/schema.org\/ListItem\"> \n        <a itemprop=\"item\" title=\"API Kavram\u0131 ve A\u00e7\u0131k Bankac\u0131l\u0131k Aras\u0131ndaki \u0130li\u015fki\" href=\"https:\/\/ehesapp.com\/en\/blog\/api-kavrami-ve-acik-bankacilik-arasindaki-iliski\/\">\n          <span itemprop=\"name\">API Kavram\u0131 ve A\u00e7\u0131k Bankac\u0131l\u0131k Aras\u0131ndaki \u0130li\u015fki\n<\/span>\n        <\/a>\n        <meta itemprop=\"position\" content=\"3\">\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-6ed57776 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ed57776\" 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-4511aa62\" data-id=\"4511aa62\" 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-59172a06 elementor-widget elementor-widget-heading\" data-id=\"59172a06\" 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\">API Kavram\u0131 ve A\u00e7\u0131k Bankac\u0131l\u0131k Aras\u0131ndaki \u0130li\u015fki <\/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-122636dd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"122636dd\" 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-331826e8\" data-id=\"331826e8\" 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-76fa8558 elementor-widget elementor-widget-text-editor\" data-id=\"76fa8558\" 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;\">API (Application Programming Interface yani Uygulama Programlama Aray\u00fcz\u00fc olarak tan\u0131mlanan bir kavramd\u0131r. Son y\u0131llarda reva\u00e7ta olan ve hayat\u0131m\u0131z\u0131n her alan\u0131nda hemen hemen denk geldi\u011fimiz bir kelime olarak kar\u015f\u0131m\u0131za \u00e7\u0131kar.\u00a0 API kavram\u0131 \u00f6zetle siteler aras\u0131 veri ak\u0131\u015f\u0131n\u0131n y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fc aray\u00fczd\u00fcr. Peki neden bu kavram\u0131 fazlaca duyuyoruz veya a\u00e7\u0131k bankac\u0131l\u0131k ile aras\u0131ndaki ili\u015fki hangi ko\u015fullara dayan\u0131r gibi sorulara bu yaz\u0131m\u0131zda cevap verece\u011fiz.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u00d6ncelikle\u00a0 API bir uygulaman\u0131n, servis veya platformun sahip oldu\u011fu yetenekler dahilinde s\u0131n\u0131rlama getirerek\u00a0 d\u0131\u015far\u0131dan verilere ula\u015f\u0131m sa\u011flayan bir mekanizmad\u0131r.\u00a0 Ek olarak\u00a0 API farkl\u0131 yaz\u0131l\u0131m bile\u015fenlerini birbiri ile konu\u015fturan ve etkile\u015fime ge\u00e7iren bir aray\u00fczd\u00fcr. Basit\u00e7e anlatacak olursak kullan\u0131c\u0131 isteklerini sisteme, sistem cevaplar\u0131n\u0131 ise kullan\u0131c\u0131ya iletir.\u00a0 Bizler ise asl\u0131nda bu mekanizmalar\u0131 hayat\u0131m\u0131z\u0131n hemen hemen her alan\u0131nda kullan\u0131r\u0131z. Bu teknolojik d\u00f6n\u00fc\u015f\u00fcm\u00fcn bir yans\u0131mas\u0131d\u0131r.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">G\u00fcnl\u00fck hayat\u0131m\u0131zla bir\u00e7ok sebeple ki\u015fisel veya i\u015fimiz gere\u011fi bir\u00e7ok yaz\u0131l\u0131m kullan\u0131r\u0131z. Bu yaz\u0131l\u0131mlar birbirinden farkl\u0131 \u00f6zelliklere sahip olabilir. Bu farkl\u0131 \u00f6zelliklerin bir araya gelerek farkl\u0131 bir \u00e7\u0131kt\u0131 olarak kar\u015f\u0131m\u0131za \u00e7\u0131kmas\u0131 ise API\u2019lerin sonucudur. Kavram\u0131n yaratt\u0131\u011f\u0131 karma\u015fay\u0131 ortadan kald\u0131rmak i\u00e7in bir \u00f6rnekle\u00a0 a\u00e7\u0131klayabiliriz. Mesela bir e-ticaret siteniz oldu\u011funu d\u00fc\u015f\u00fcnelim. Bu site seyahat ve ula\u015f\u0131m kaynaklar\u0131 \u00fczerine hizmet veriyor olsun. Sitenizin g\u00f6r\u00fcn\u00fcrl\u00fck elde etme veya kullan\u0131m tercihleri ile ilgili herhangi bir problemi olmad\u0131\u011f\u0131n\u0131 da biliyor olal\u0131m. Yapmak istedi\u011finiz \u015fey kullan\u0131c\u0131lar\u0131n\u0131za uygun seyahat t\u00fcrleri, \u015firketleri, ara\u00e7lar\u0131, saatleri\u00a0 ve tutarlar\u0131 hakk\u0131nda bilgi vermek. Kullan\u0131c\u0131lar ise kendileri i\u00e7in en mant\u0131kl\u0131 olacak \u015fekilde bu hizmet ara\u00e7lar\u0131na eri\u015fmek isteyecektir.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0Ba\u015fka bir deyi\u015fle seyahat etmek istedikleri yer i\u00e7in uygun bir ara\u00e7 ve fiyat \u00f6demek isteyeceklerdir. Bu aray\u0131\u015f\u0131n bir sonucu olarak sitenize ba\u015fvuracaklard\u0131r.\u00a0 \u0130\u015fte bu durumda sitenizin uygulamalar\u0131 ile farkl\u0131 tip uygulama veya platformlardan verileri toplayarak bir araya getiren sistemin ad\u0131\u00a0 API\u2019dir. Sizin i\u00e7in arka planda verileri s\u0131n\u0131rland\u0131rma ve s\u0131n\u0131flama i\u015flemine tabi tutarak siteniz i\u00e7in anlaml\u0131 hale getirir.<\/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-14c06454 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14c06454\" 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-659fb003\" data-id=\"659fb003\" 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-6f2fa723 elementor-widget elementor-widget-heading\" data-id=\"6f2fa723\" 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\">API \u2019nin Tarih\u00e7esi<\/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-66586556 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66586556\" 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-1d3298ec\" data-id=\"1d3298ec\" 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-39f0fc18 elementor-widget elementor-widget-text-editor\" data-id=\"39f0fc18\" 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;\">Api terimi ilk zamanlarda <\/span><span style=\"font-weight: 400;\">uygulama programlar\u0131 (AP &#8211; Application Programs) olarak bilinirdi. \u00d6te yandan yaln\u0131zca son kullan\u0131c\u0131ya y\u00f6nelik programlar i\u00e7in bir aray\u00fczd\u00fc.\u00a0 G\u00fcn\u00fcm\u00fczde <\/span><span style=\"font-weight: 400;\">API <\/span><span style=\"font-weight: 400;\">sadece uygulama programlar\u0131 aray\u00fczlerini de\u011fil bir\u00e7ok\u00a0 yaz\u0131l\u0131m hatta donan\u0131m t\u00fcrlerine aray\u00fcz entegrasyonu sa\u011flar.\u00a0 <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\">\u2019ye ili\u015fkin fikirler terim olarak l\u00fcgate ge\u00e7mesinden \u00e7ok daha eskilere dayanmaktad\u0131r. \u0130ki \u0130ngiliz bilgisayar bilimcisi olan Wilkes ve Wheeler kavram\u0131 ortaya \u00e7\u0131karm\u0131\u015ft\u0131r. 1940&#8217;larda EDSAC (Electronic Delay Storage Automatic Calculator) bilgisayar i\u00e7in mod\u00fcler yaz\u0131l\u0131m kitapl\u0131klar\u0131 \u00fczerinde \u00e7al\u0131\u015fm\u0131\u015flard\u0131r. Bu \u00e7al\u0131\u015fman\u0131n bir sonucu olarak Api kavram\u0131 \u00e7\u0131km\u0131\u015ft\u0131r. Ancak kendileri de bunu bilin\u00e7li \u015fekilde icat etmemi\u015fler bir ke\u015ffin \u00fcr\u00fcn\u00fc olarak ortaya \u00e7\u0131km\u0131\u015ft\u0131r.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Uygulama Program\u0131 Aray\u00fcz\u00fc ( <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\">) terim olarak ilk defa 1968&#8217;de bir makalede kullan\u0131lm\u0131\u015ft\u0131r. Veri taban\u0131 alan\u0131nda tan\u0131t\u0131m\u0131 ise 1974 y\u0131l\u0131nda C.J. Date\u00a0 taraf\u0131ndan ger\u00e7ekle\u015fmi\u015ftir.\u00a0<\/span><span style=\"color: var(--sydney-text-color);\">1970&#8217;li y\u0131llarda veritaban\u0131 uzmanlar\u0131 farkl\u0131 aray\u00fczlerin birle\u015ftirilebilirli\u011fini ke\u015ffeder. Bununla birlikte yaln\u0131zca uygulama programlamay\u0131 de\u011fil, her t\u00fcr programlamay\u0131 destekleyen API&#8217;lere yol a\u00e7ar.<\/span><\/p><p><span style=\"font-weight: 400;\">1990 y\u0131l\u0131nda ise teknoloji uzman\u0131 Carl Malamud\u00a0 <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\"> i\u00e7in yeni bir tan\u0131m ortaya koyar.\u00a0 \u00d6zet olarak &#8220;bir programc\u0131n\u0131n s\u0131n\u0131rl\u0131 g\u00f6revleri yerine getirmek i\u00e7in sunulan bir dizi hizmet&#8221; ortaya \u00e7\u0131kar.\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-049af22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"049af22\" 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-5863944\" data-id=\"5863944\" 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-9cc24b7 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"9cc24b7\" data-element_type=\"widget\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-center text- icon-top-align elementor-animation-\">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon\">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-review\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                        \t\t  \t<p>\u0130nternet tabanl\u0131 herhangi bir uygulama kullanabiliyorsak  bunun tek nedeni API aray\u00fcz\u00fcd\u00fcr.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\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-606c0091 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"606c0091\" 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-62404789\" data-id=\"62404789\" 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-68ab3288 elementor-widget elementor-widget-heading\" data-id=\"68ab3288\" 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\">API Entegrasyonu 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-2e7a0c88 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e7a0c88\" 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-45185887\" data-id=\"45185887\" 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-1e814ab9 elementor-widget elementor-widget-text-editor\" data-id=\"1e814ab9\" 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;\">T\u00fcrkiye\u2019de API entegrasyonu mal, hizmet, \u00fcr\u00fcn, sipari\u015f, tedarik, sat\u0131\u015f ve \u00f6deme gibi bir\u00e7ok s\u00fcre\u00e7te kar\u015f\u0131m\u0131za \u00e7\u0131kar. Bu birimlerin bir arada veya ayr\u0131 ayr\u0131 y\u00fcr\u00fct\u00fcm\u00fc i\u00e7in ise bu entegrasyon zorunlu g\u00f6z\u00fckmektedir. Bu alanlarda yer almak isteyen kurum ve kurulu\u015flar\u0131n ise sa\u011flamas\u0131 gereken baz\u0131 kriter ve yaz\u0131l\u0131m altyap\u0131s\u0131 gerekir.\u00a0 Bankalar\u0131 \u00f6rnek alacak olursak potansiyel m\u00fc\u015fterilere ula\u015fma veya var olan m\u00fc\u015fterilerini derinle\u015ftirmesi i\u00e7in yap\u0131lacak \u00e7al\u0131\u015fmalar\u0131n yan\u0131nda API entegrasyonlar\u0131 da gerekecektir. Bu entegrasyon i\u015flemi finansal hizmet sa\u011flayan veya sa\u011flamayan kurumlar daha geni\u015f bir alana sahip olur.\u00a0 Dolay\u0131s\u0131yla daha basit bir i\u015f modeli ile yer al\u0131r ve hacminizi art\u0131rm\u0131\u015f olursunuz.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Entegrasyon i\u015flemi \u00e7ok detayl\u0131 ve teknik\u00a0 bir s\u00fcreci i\u00e7ermekle birlikte fikir edinmek amac\u0131yla \u00f6zetleyebiliriz. \u00d6ncelikle istemciyi tan\u0131tacak bir key gereklidir.\u00a0 Bahsetti\u011fimiz key kar\u015f\u0131 sunucunun API \u00fczerinden izin verdi\u011fi fonksiyonlar\u0131 kullanmas\u0131n\u0131 sa\u011flar. Bunun yan\u0131nda key ile kullan\u0131lan\u00a0 eri\u015fimi onaylayacak bir \u015fifre almak gerekir. API hizmeti veren sunucu tarafda yer alan kurum, \u00f6ncelikle istemci ba\u015fvurusunda key ve \u015fifreyi ister. \u0130stenen fonksiyonlar\u0131 kullanma ve istenen bilgileri kar\u015f\u0131 uygulamadan API\u2019lerin d\u00f6nd\u00fc\u011f\u00fc response\u2019lar vas\u0131tas\u0131yla alma y\u00f6ntemiyle ilerler. Bununla birlikte iste\u011fe ba\u011fl\u0131 olarak API\u2019lere eri\u015fim ile ilgili k\u0131s\u0131t konar.\u00a0 Sebebi\u00a0 API\u2019leri a\u015f\u0131r\u0131 me\u015fgul olmas\u0131n\u0131 engellemek ile alakal\u0131d\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-41c45db6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41c45db6\" 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-31fe762d\" data-id=\"31fe762d\" 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-14c7e63e elementor-widget elementor-widget-heading\" data-id=\"14c7e63e\" 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\">Api\u2019ler Nerelerde Kullan\u0131l\u0131r?<\/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-3d83931b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d83931b\" 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-3f20ab26\" data-id=\"3f20ab26\" 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-22ee776a elementor-widget elementor-widget-text-editor\" data-id=\"22ee776a\" 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;\">API<\/span><span style=\"font-weight: 400;\"> teknolojisine son y\u0131llarda fazlaca ba\u015fvurdu\u011fumuzdan daha \u00f6nce bahsetmi\u015ftik. Baz\u0131lar\u0131m\u0131z bu sistemlerin fark\u0131nda olarak kullan\u0131rken baz\u0131lar\u0131m\u0131z ise herhangi bir fikre sahip de\u011fil.\u00a0 <\/span><span style=\"font-weight: 400;\">API <\/span><span style=\"font-weight: 400;\">\u2019lerin g\u00fcnl\u00fck hayat\u0131m\u0131z\u0131n i\u00e7ine ne kadar i\u015fledi\u011fine dair farkl\u0131 bir \u00f6rnek vermek istiyoruz.\u00a0 Hemen hemen hepimizin en az bir sosyal medya hesab\u0131 oldu\u011fu konusunda ortalama bir kan\u0131ya sahibiz. Hatta imkan\u0131 ve yetisi olan\u00a0 hemen hemen herkesin birer adet telefonu oldu\u011funu biliyoruz. Fiziksel bir cihaz olan telefonunuz yard\u0131m\u0131 ile bir foto\u011fraf \u00e7ekiyorsunuz. Bu foto\u011fraf\u0131 ise herhangi bir sosyal medya hesab\u0131n\u0131zda payla\u015fmay\u0131 d\u00fc\u015f\u00fcn\u00fcyorsunuz. Sosyal medya hesab\u0131n\u0131zdan bu t\u00fcr bir payla\u015f\u0131m yapmak istedi\u011finizde kar\u015f\u0131n\u0131za \u2018uygulama foto\u011fraflar\u0131n\u0131za eri\u015fsin mi?\u2019 benzeri bir soru ile kar\u015f\u0131la\u015f\u0131rs\u0131n\u0131z.\u00a0 Siz bu soruya onay verdi\u011finizde asl\u0131nda iki farkl\u0131 uygulama aras\u0131nda veri al\u0131\u015fveri\u015finde bulunan <\/span><span style=\"font-weight: 400;\">API <\/span><span style=\"font-weight: 400;\">sistemini kullanm\u0131\u015f olursunuz. Ek olarak bu iki uygulama aras\u0131ndaki\u00a0 etkile\u015fim ise\u00a0 <\/span><span style=\"font-weight: 400;\">API <\/span><span style=\"font-weight: 400;\">entegrasyonu vas\u0131tas\u0131yla ger\u00e7ekle\u015fir.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\">\u2019lerin yo\u011fun olarak\u00a0 kullan\u0131m alanlar\u0131ndan biri ise bankac\u0131l\u0131k uygulamalar\u0131d\u0131r. Bankac\u0131l\u0131k uygulamalar\u0131nda genellikle kar\u015f\u0131m\u0131za \u00e7\u0131kan kavram ise \u2018bankac\u0131l\u0131k\u00a0 <\/span><span style=\"font-weight: 400;\">API\u2019<\/span><span style=\"font-weight: 400;\">dir\u2019. Ba\u015fka bir deyi\u015fle\u00a0 <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\"> bankac\u0131l\u0131\u011f\u0131 veya \u201copen banking\u00a0 <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\">\u201d olarak da ifade ederiz.\u00a0<\/span><\/p><p><br \/><br \/><\/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-3d689235 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d689235\" 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-6593856a\" data-id=\"6593856a\" 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-114e0160 elementor-widget elementor-widget-heading\" data-id=\"114e0160\" 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\">Bankac\u0131l\u0131k API veya Open Banking API Nedir?\n<\/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-6df1053b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6df1053b\" 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-1434d871\" data-id=\"1434d871\" 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-70472e27 elementor-widget elementor-widget-text-editor\" data-id=\"70472e27\" 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<ul><li style=\"list-style-type: none;\"><p><span style=\"font-weight: 400;\">Api kavram\u0131 hakk\u0131nda gerekli a\u00e7\u0131klamalar\u0131 yapt\u0131ktan sonra bankac\u0131l\u0131k uygulamalar\u0131 ile olan ili\u015fkisine de\u011finebiliriz. Burada kastedilen ili\u015fki geleneksel bankac\u0131l\u0131k uygulamalar\u0131 de\u011fildir. Modern bankac\u0131l\u0131k sistemlerinden biri olan a\u00e7\u0131k bankac\u0131l\u0131k(open banking) kavram\u0131 ile ilgilidir. Bu kavram yine bilgi ve finans teknolojilerindeki geli\u015fim ile ortaya \u00e7\u0131kan bir ifadedir. \u00d6te yandan fintech yani finansal teknolojinin bir \u00fcr\u00fcn\u00fcd\u00fcr.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A\u00e7\u0131k bankac\u0131l\u0131k bankalar\u0131n belirli anla\u015fmalar dahilinde verilerini 3. taraflar ile payla\u015fmas\u0131d\u0131r.\u00a0 Bankac\u0131l\u0131k api ise bankalar\u0131n kullan\u0131c\u0131lar\u0131na ait verilerini g\u00fcvenli bir \u015fekilde kulland\u0131klar\u0131 entegrasyon sistemidir. <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\"> Bankac\u0131l\u0131\u011f\u0131 ise bankalar\u0131n\u00a0 <\/span><span style=\"font-weight: 400;\">API<\/span><span style=\"font-weight: 400;\">\u2019ler vas\u0131tas\u0131yla hizmetlerini d\u0131\u015fa aktarmas\u0131d\u0131r. B\u00f6ylelikle farkl\u0131 \u015firketler bu bankac\u0131l\u0131k hizmetlerini kullanarak yeni uygulamalar geli\u015ftirme imkan\u0131na sahip olur. Kavramlar benzerlik g\u00f6sterse de her bir ifadenin kar\u015f\u0131l\u0131k buldu\u011fu farkl\u0131 bir hizmet kolu vard\u0131r.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Esasen a\u00e7\u0131k bankac\u0131l\u0131k t\u00fcm bu kavramlar\u0131 tek \u00e7at\u0131 alt\u0131nda toplayan sistemin ad\u0131d\u0131r. Yani 3. taraflar ile bilgi payla\u015f\u0131m\u0131 sa\u011flayan veya banka API\u2019lerini 3. taraf kuru\u015flara a\u00e7arak geli\u015fime \u00f6n ayak olan sistemdir. G\u00f6r\u00fcn\u00fcrde bankac\u0131l\u0131k sistemlerinin fintech giri\u015fimleri veya a\u00e7\u0131k bankac\u0131l\u0131k ile rekabet etti\u011fi y\u00f6n\u00fcnde izlenim uyand\u0131rabilir. Ancak \u00e7\u0131k\u0131\u015f noktas\u0131nda b\u00f6yle ba\u015flam\u0131\u015f olsa dahi g\u00fcn\u00fcm\u00fczde as\u0131l ama\u00e7 yenilik\u00e7i \u00fcr\u00fcn \u00e7\u0131karmakt\u0131r. Bankalar a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131yla rekabet etmek yerine sahip olduklar\u0131 verileri payla\u015farak i\u015f birli\u011fi geli\u015ftirmeye \u00e7al\u0131\u015f\u0131rlar. Bankalar\u0131n payla\u015fm\u0131\u015f olduklar\u0131 API\u2019leri ise geli\u015fim g\u00f6steren yeni bir kanal olarak ifade edebiliriz. <\/span><\/p><\/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-2d853eae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d853eae\" 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-40cb67d0\" data-id=\"40cb67d0\" 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-142f5462 elementor-widget elementor-widget-heading\" data-id=\"142f5462\" 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\">\nBankac\u0131l\u0131k API ve Hizmet Olarak Bankac\u0131l\u0131k (BaaS)\n<\/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-56debda2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56debda2\" 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-4200b956\" data-id=\"4200b956\" 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-72a2fe1 elementor-widget elementor-widget-text-editor\" data-id=\"72a2fe1\" 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;\">API\u2019lerin Banking as a Service end\u00fcstrisinde \u00e7ok kritik bir role sahiptir. Ancak \u00f6ncelikle Hizmet Olarak Bankac\u0131l\u0131k sistemini a\u00e7\u0131klamakta fayda var. Kavram \u00e7e\u015fitli sekt\u00f6rlerde faaliyet g\u00f6steren kurulu\u015flar\u0131n herhangi bir bankac\u0131l\u0131k lisans\u0131 olmadan banka hizmet ve \u00fcr\u00fcnlerini b\u00fcnyesine entegre etmesidir.\u00a0 \u00d6rne\u011fin u\u00e7u\u015f hizmetleri veren bir havayolu \u015firketinin finansal hizmetleri olmayacakt\u0131r. Ancak <\/span><span style=\"font-weight: 400;\">\u00a0m\u00fc\u015fterilerine \u00f6deme sekmesinde kredi veya banka kart\u0131 \u00fczerinden \u00f6deme yapma imkan\u0131 sunar. Kendi b\u00fcnyesinde yer almayan bu hizmeti API arac\u0131l\u0131\u011f\u0131yla yerine getir. \u00d6zet olarak ortak banka ile ileti\u015fim kurar ve buradan ald\u0131\u011f\u0131 sonu\u00e7lar\u0131 son kullan\u0131c\u0131ya iletir.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Konu ile ilgili kar\u015f\u0131m\u0131za \u00e7\u0131kan bir di\u011fer kavramlardan biri (BaaP) Platform Olarak Bankac\u0131l\u0131k\u2019d\u0131r. Kavram olarak a\u00e7\u0131k bankac\u0131l\u0131k, API\u2019ler,<\/span> <span style=\"font-weight: 400;\">dijital platformlar ve ekosistemleri gibi farkl\u0131 konseptlerin bir araya geldi\u011fi platform b\u00fct\u00fcn\u00fcd\u00fcr. Ek olarak pazar yerleri ve i\u015fbirlikleri, bulut bili\u015fimi gibi daha bir\u00e7ok konsepti toplar ve temelde kolayla\u015ft\u0131r\u0131c\u0131 olarak bilinirler.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">T\u00fcm bu farkl\u0131 tip konseptlerin ise tek bir amac\u0131 vard\u0131r. Bankalar\u0131n m\u00fc\u015fterilere dijital hizmetler sunmas\u0131 veya di\u011fer dijital hizmetlerle entegrasyonunu sa\u011flayan hizmetleri sunmakt\u0131r.\u00a0 Sonu\u00e7 olarak bu\u00a0 amaca ula\u015ft\u0131ran arac\u0131 ise API\u2019lerdir. <\/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-6ec77292 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ec77292\" 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-1f38484\" data-id=\"1f38484\" 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-5abb8c9 ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"5abb8c9\" data-element_type=\"widget\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-center text- icon-top-align elementor-animation-\">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon\">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-review\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                        \t\t  \t<p> Api Bankac\u0131l\u0131\u011f\u0131 \u00fcr\u00fcn ve hizmetlerin \u00e7e\u015fitlili\u011fini art\u0131rmak ve da\u011f\u0131t\u0131m\u0131 i\u00e7in f\u0131rsatlar sunan bir \u00e7\u00f6z\u00fcmd\u00fcr. Ba\u015fka bir deyi\u015fle m\u00fc\u015fterilerin ya\u015fam kalitesini artt\u0131r\u0131rken hizmetlerinin \u00e7e\u015fitlili\u011fini ve s\u0131n\u0131rlar\u0131n\u0131 b\u00fcy\u00fck \u00f6l\u00e7\u00fcde geni\u015fletir.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb9677d elementor-widget elementor-widget-heading\" data-id=\"3cb9677d\" 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\">Api Bankac\u0131l\u0131\u011f\u0131n\u0131n Faydalar\u0131 <\/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-701e46fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"701e46fa\" 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-1f576519\" data-id=\"1f576519\" 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-470cb072 elementor-widget elementor-widget-text-editor\" data-id=\"470cb072\" 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;\">A\u00e7\u0131k bankac\u0131l\u0131k finansal ve finansal olmayan \u00fcr\u00fcn ve hizmetler i\u00e7in k\u0131ymetli bir kavramd\u0131r. Esasen kavram\u0131 \u00fcr\u00fcn ve hizmetlerin \u00e7e\u015fitlili\u011fini art\u0131rmak ve da\u011f\u0131t\u0131m\u0131 i\u00e7in f\u0131rsatlar sunan bir \u00e7\u00f6z\u00fcm olarak a\u00e7\u0131klayabiliriz. Ba\u015fka bir deyi\u015fle m\u00fc\u015fterilerin ya\u015fam kalitesini artt\u0131r\u0131rken hizmetlerinin \u00e7e\u015fitlili\u011fini ve s\u0131n\u0131rlar\u0131n\u0131 b\u00fcy\u00fck \u00f6l\u00e7\u00fcde geni\u015fletir. Open banking modeli ile s\u0131n\u0131rs\u0131z say\u0131da partner bu geli\u015fim s\u00fcrecine dahil olur.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Geli\u015ftiricilerin daha h\u0131zl\u0131 inovasyon yapmalar\u0131n\u0131 sa\u011flayan baz\u0131 kriterler vard\u0131r. Bunlardan en \u00f6nemlisi yaz\u0131l\u0131m varl\u0131klar\u0131n\u0131 ke\u015ffetmeleri, entegre olmalar\u0131 ve yeniden kullan\u0131ma uygun olmalar\u0131d\u0131r. Her \u015feyden \u00f6nce bu maddelere olanak sa\u011flayan tabii ki API\u2019lerdir. Geli\u015ftiricilerin ise bu kolayl\u0131klara olanak sa\u011flayan API\u2019lere eri\u015fimi olduk\u00e7a \u00f6nemlidir. Uygulamalar, veritabanlar\u0131 ve ayg\u0131tlar aras\u0131nda API\u2019ler ileri geri \u00e7al\u0131\u015fan haberciler gibi hareket eder. Bu sayede \u015firketlerin mevcut sistemlerdeki verileri d\u0131\u015far\u0131ya a\u00e7ar. Dolay\u0131s\u0131yla bu verilerin di\u011fer ilgili sistemlere ak\u0131\u015f\u0131 kolayla\u015f\u0131r.<\/span><\/p><p><br \/><br \/><\/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-6d03864e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d03864e\" 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-6433eebf\" data-id=\"6433eebf\" 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-14de69af elementor-widget elementor-widget-heading\" data-id=\"14de69af\" 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\">Bankalar Neden Api\u2019lere Ba\u015fvurur?\n<\/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-1c6dce72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c6dce72\" 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-63805d0\" data-id=\"63805d0\" 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-bcb85bd elementor-widget elementor-widget-text-editor\" data-id=\"bcb85bd\" 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;\">Bankalar\u0131n neden s\u0131kl\u0131kla API\u2019lere ba\u015fvurdu\u011funa gelecek olursak; sorunun cevab\u0131 olduk\u00e7a basit. Kendi kaynaklar\u0131n\u0131 \u00e7ok fazla kullanmadan m\u00fc\u015fteri kazanmak ve var olan m\u00fc\u015fterileri derinle\u015ftirmek ayr\u0131ca ciro artt\u0131rmakt\u0131r. Detayl\u0131 olarak anlatmak istersek API bankac\u0131l\u0131\u011f\u0131 banka hizmetlerinin dijitalle\u015fmesine ve bankaya anl\u0131k olarak ula\u015f\u0131m sa\u011flayamayan veya internet bankac\u0131l\u0131\u011f\u0131n\u0131 tercih eden m\u00fc\u015fterilere kolay eri\u015fim imkan\u0131 sunar.&nbsp; \u0130nternet bankac\u0131l\u0131\u011f\u0131 API\u2019lerinin imkan verdi\u011fi dijital bankac\u0131l\u0131k g\u00fcn\u00fcm\u00fczde olduk\u00e7a pop\u00fcler bir konuma sahip. Hatta b\u00fcy\u00fcme ve geli\u015fmeye devam ediyor.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Covid-19 salg\u0131n\u0131n\u0131n ise a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131 ve API\u2019ler \u00fczerinde ciddi etkileri bulunuyor. \u00d6zellikle salg\u0131n s\u00fcreciyle birlikte bir\u00e7ok banka \u015fube say\u0131lar\u0131nda k\u00fc\u00e7\u00fclme e\u011filimi g\u00f6stermi\u015ftir. Ve internet bankac\u0131l\u0131\u011f\u0131n\u0131n \u00f6nemi daha fazla anla\u015f\u0131lm\u0131\u015ft\u0131r. \u00d6te yandan bankalar\u0131n API a\u00e7\u0131k bankac\u0131l\u0131k modelini yayg\u0131nla\u015ft\u0131rmas\u0131 ile kurumsal entegrasyonlardaki operasyon y\u00fckleri hafiflemi\u015f oluyor. Bankalar devlet kurumlar\u0131 dahil olmak \u00fczere bir\u00e7ok kurumla ve \u00e7e\u015fitli nedenlerle entegrasyona ihtiya\u00e7 duyuyor.&nbsp; \u00d6zellikle kamu taraf\u0131nda banka ve kullan\u0131c\u0131 aktivitelerinin kay\u0131t alt\u0131na alma, s\u0131n\u0131flama veya onay\u0131 ayr\u0131 ayr\u0131 i\u015f y\u00fck\u00fc getiriyor. Ayr\u0131ca ba\u011f\u0131ms\u0131z olarak b\u00fcy\u00fck kurulu\u015flar manuel s\u00fcre\u00e7leri h\u0131zland\u0131rmak i\u00e7in entegrasyon talebi oluyor.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bu gibi sebepler dolay\u0131s\u0131yla bankalar\u0131n 3. parti kurulu\u015flarla data al\u0131\u015fveri\u015finde bulunmas\u0131 gerekiyor. Ayr\u0131ca bu i\u015flemleri yapmak i\u00e7in bankalarda kurumsal entegrasyon birimleri yer al\u0131r. Bu tarz bir entegrasyon i\u015flemi ise iki taraf i\u00e7inde ciddi \u00e7al\u0131\u015fma gerektiren bir durumdur. Hatta taraflar s\u00fcre\u00e7 entegrasyonunda birden fazla deneme-yan\u0131lma ile kar\u015f\u0131 kar\u015f\u0131ya kalabiliyorlar. Bu noktada ise standardize olmu\u015f API\u2019ler g\u00fcndeme geliyor. Tek bir nokta at\u0131\u015f\u0131 ile s\u00fcrecin getirdi\u011fi t\u00fcm operasyonel y\u00fcklerden taraflar ar\u0131nm\u0131\u015f oluyor. Sonu\u00e7 olarak bankalar i\u00e7in zaman ve maliyet a\u00e7\u0131s\u0131ndan avantaj sa\u011fl\u0131yor. API ve a\u00e7\u0131k bankac\u0131l\u0131k sistemleri i\u00e7in ise geni\u015f bir geli\u015fim alan\u0131 sa\u011fl\u0131yor. <\/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-2d8be813 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d8be813\" 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-6585acba\" data-id=\"6585acba\" 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-7be20480 elementor-widget elementor-widget-heading\" data-id=\"7be20480\" 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-1b3f11d3 elementor-widget elementor-widget-text-editor\" data-id=\"1b3f11d3\" 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;\">Banka entegrasyonuna ili\u015fkin sa\u011flad\u0131\u011f\u0131m\u0131z <a href=\"https:\/\/ehesapp.com\/en\/cozumlerimiz\/\" target=\"_blank\" rel=\"noopener\">\u00e7\u00f6z\u00fcmler<\/a> ile t\u00fcm banka ve hesap hareketlerinizi tek ekran \u00fczerinden anl\u0131k g\u00f6r\u00fcnt\u00fcleyebilirsiniz.<\/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-5c94f24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c94f24\" 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-379bd63a\" data-id=\"379bd63a\" 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-330ede1e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"330ede1e\" 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-4b6ec920\" data-id=\"4b6ec920\" 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>EhesApp \u00d6zeti \/ A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir? \/ API Kavram\u0131 ve A\u00e7\u0131k Bankac\u0131l\u0131k Aras\u0131ndaki \u0130li\u015fki API Kavram\u0131 ve A\u00e7\u0131k Bankac\u0131l\u0131k Aras\u0131ndaki [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1467,"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-1457","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 - 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