{"id":898,"date":"2022-06-21T12:42:22","date_gmt":"2022-06-21T12:42:22","guid":{"rendered":"https:\/\/ehesapp.com\/?p=898"},"modified":"2025-04-28T08:47:56","modified_gmt":"2025-04-28T08:47:56","slug":"acik-bankacilik-open-banking-nedir","status":"publish","type":"post","link":"https:\/\/ehesapp.com\/en\/blog\/acik-bankacilik-open-banking-nedir\/","title":{"rendered":"A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"898\" class=\"elementor elementor-898\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4890bff0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4890bff0\" 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-7fac3baf\" data-id=\"7fac3baf\" 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-65354e44 elementor-widget elementor-widget-html\" data-id=\"65354e44\" 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=\"A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir?\" href=\"https:\/\/ehesapp.com\/en\/blog\/acik-bankacilik-open-banking-nedir\/\">\n          <span itemprop=\"name\">A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) 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-9f57e32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f57e32\" 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-5838c501\" data-id=\"5838c501\" 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-12327a69 elementor-widget elementor-widget-heading\" data-id=\"12327a69\" 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\">A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) 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-553c4b24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"553c4b24\" 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-4b664e57\" data-id=\"4b664e57\" 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-7cc43a3b elementor-widget elementor-widget-text-editor\" data-id=\"7cc43a3b\" 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>G\u00fcn\u00fcm\u00fczde \u00f6n\u00fcne \u201ca\u00e7\u0131k\u201d gelen bir\u00e7ok terim duyuyoruz. \u00d6rne\u011fin; a\u00e7\u0131k kaynak kod, a\u00e7\u0131k eri\u015fim sistemleri vb\u2026 A\u00e7\u0131k terimi bankac\u0131l\u0131k i\u00e7in de 2016 y\u0131l\u0131nda ABD\u2019de g\u00fcndeme geldi ve a\u00e7\u0131k bankac\u0131l\u0131k (open banking) olarak hayat\u0131m\u0131za girdi. \u00dclkemizde a\u00e7\u0131k bankac\u0131l\u0131k i\u00e7in Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (k\u0131saca BDDK\u2019n\u0131n) 2020 y\u0131l\u0131nda yay\u0131nlam\u0131\u015f oldu\u011fu y\u00f6netmelikle birlikte kanuni altyap\u0131s\u0131 da olu\u015fturulmu\u015f oldu. Finans sekt\u00f6r\u00fcnde \u00f6nemli bir dijital d\u00f6n\u00fc\u015f\u00fcm hamlesi olan bu geli\u015fmeyle hedeflenen; bankac\u0131l\u0131k hizmetlerinden al\u0131nan fayday\u0131 en \u00fcst d\u00fczeye \u00e7\u0131karmakt\u0131r.<\/p><p>A\u00e7\u0131k bankac\u0131l\u0131k; m\u00fc\u015fterilerin \u00f6zel finansal banka verilerinin izin ve onay \u015fart\u0131 ile \u00fc\u00e7\u00fcnc\u00fc parti kurulu\u015flar\u0131na a\u00e7\u0131lmas\u0131 anlam\u0131na gelen hizmettir. A\u00e7\u0131lan bu bilgiler bazen ki\u015fisel bilgileri i\u00e7erir, bazen de kamuyla payla\u015f\u0131lan k\u00fcm\u00fclatif bilgiler olabilir. Ki\u015fisel bilgiler m\u00fc\u015fterilerin bankalarda bulunan \u00f6zel bilgileri olarak tan\u0131mlanabilir. Bankalar bu verileri m\u00fc\u015fterinin a\u00e7\u0131k r\u0131zas\u0131 ve talep ya da talimat\u0131 olmaks\u0131z\u0131n payla\u015famaz. Bu bilgilerin 3. Parti firmalarla payla\u015f\u0131lmas\u0131 ya da kamuya a\u00e7\u0131lmas\u0131 i\u00e7in r\u0131za, talep ya da talimat \u015fartt\u0131r.<\/p><p>Temel harcama kalemleri olarak beslenme, bar\u0131nma ve giyinme gibi harcamalar\u0131yla birlikte di\u011fer l\u00fcks harcamalar ki\u015finin harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131 olu\u015fturur. Bu harcamalar\u0131n ortalama periyotlarda tekrarlanmas\u0131 ve a\u015fa\u011f\u0131 yukar\u0131 benzer mebla\u011flarla ger\u00e7ekle\u015ftirilmesi, harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131 detayland\u0131ran etmenlerdir. Bu al\u0131\u015fkanl\u0131klar yine ki\u015fisinin r\u0131za, talep ve talimat\u0131 do\u011frultusunda k\u00fcm\u00fclatif olarak kamuyla payla\u015f\u0131labilir. Belli raporlarla farkl\u0131 \u00e7al\u0131\u015fmalar\u0131n i\u00e7erisinde yer alabilir. Ayr\u0131ca 3. parti dedi\u011fimiz finansal kurulu\u015flarla payla\u015f\u0131l\u0131p anlamland\u0131r\u0131labilir. Bu finansal kurulu\u015flar, bankalar\u0131n API\u2019leri (Application Programming Interface) yard\u0131m\u0131yla merkezi bir yap\u0131 kurup ki\u015filere ya da kurulu\u015flara bu bilgileri merkezi yap\u0131dan verebilir.<\/p><p>A\u00e7\u0131k bankac\u0131l\u0131k (open banking) kavram\u0131, son y\u0131llarda bir\u00e7ok \u00fclkenin karar vericilerinin g\u00fcndeminde olan bir konudur. T\u00fcm d\u00fcnyay\u0131 etkileyen COV\u0130D 19 salg\u0131n\u0131yla birlikte uzaktan devam ettirilen t\u00fcm i\u015fler i\u00e7in hi\u00e7 olmad\u0131\u011f\u0131 kadar gerekli hale gelmi\u015ftir.<\/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-4f70eb2c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f70eb2c\" 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-6451766b\" data-id=\"6451766b\" 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-e0262d1 elementor-widget elementor-widget-heading\" data-id=\"e0262d1\" 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-76650c66 elementor-widget elementor-widget-text-editor\" data-id=\"76650c66\" 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>E-HesApp \u00e7\u00f6z\u00fcmleri ile muhasebesel s\u00fcre\u00e7lerinizi h\u0131zland\u0131r\u0131n.\u00a0 Daha detayl\u0131 bilgi almak i\u00e7in web sitemizi 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-3459913 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3459913\" 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-484f256d\" data-id=\"484f256d\" 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-5df517c5 elementor-widget elementor-widget-heading\" data-id=\"5df517c5\" 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\">D\u00fcnyada A\u00e7\u0131k Bankac\u0131l\u0131k Uygulamalar\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-10bbf146 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10bbf146\" 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-29c5cb89\" data-id=\"29c5cb89\" 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-3fad796c elementor-widget elementor-widget-text-editor\" data-id=\"3fad796c\" 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>A\u00e7\u0131k bankac\u0131l\u0131k d\u00fcnyada farkl\u0131 \u00f6rnekleri olan bir uygulamad\u0131r. Amerika\u2019da, Meksika\u2019da, \u0130ngiltere\u2019de ve Avrupa Birli\u011fi\u2019nin neredeyse tamam\u0131nda kullan\u0131lan bir y\u00f6ntemdir. Baz\u0131 \u00fclkelerde i\u015fletmeler ve ki\u015filer a\u00e7\u0131k bankac\u0131l\u0131k hizmeti ile t\u00fcm bankac\u0131l\u0131k bilgilerine eri\u015filebilmektedir. Baz\u0131lar\u0131nda ise sadece \u00f6deme emri ba\u015flatma, hesap hareketlerinin \u00e7ekilmesi, kredi kart\u0131 bilgilerinin ve kredi bilgilerinin izlenebildi\u011fi \u00f6rnekler mevcuttur.<\/p><p>A\u00e7\u0131k bankac\u0131l\u0131k kavram\u0131n\u0131n tarihi incelendi\u011finde k\u00f6klerinin 1980\u2019e kadar uzand\u0131\u011f\u0131 g\u00f6r\u00fclm\u00fc\u015ft\u00fcr. O y\u0131llarda Alman Federal Postanesi, 5 harici bilgisayarla bir ekran testi yap\u0131p a\u015fa\u011f\u0131 yukar\u0131 2000 kullan\u0131c\u0131y\u0131 kat\u0131lmaya davet etmi\u015ftir. Bu deneyin slogan\u0131; \u201cOturma odas\u0131ndaki bankam\u201d olarak ak\u0131llarda kalm\u0131\u015ft\u0131r. \u00c7evrimi\u00e7i para transferini m\u00fcmk\u00fcn k\u0131lan deney, o zamanki teknolojiyle zoru ba\u015farm\u0131\u015f, a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n temelini atm\u0131\u015ft\u0131r.<\/p><p>2007\u2019de standart haline getirilen PSD (Payment Services Directive) T\u00fcrk\u00e7e\u2019si \u00d6deme Hizmetleri Kanunu t\u00fcm Avrupa Birli\u011fi\u2019nde zorunlu hale getirilmi\u015ftir. \u0130ngiltere de AB \u00fcyesi iken bu standartlara uyum i\u00e7in \u00e7al\u0131\u015fm\u0131\u015ft\u0131r.\u00a0 2009 y\u0131l\u0131nda bu \u00f6deme hizmetleri uygulamas\u0131 t\u00fcm \u00fclkelerde uygulamaya al\u0131nm\u0131\u015ft\u0131r. PSD1 olarak an\u0131lan \u0130lk \u00d6deme Hizmetleri Direktifi\u2019nin hedefi yeni bir end\u00fcstri kategorisi olu\u015fturmak, kolayla\u015ft\u0131r\u0131lm\u0131\u015f para transferi i\u00e7in Avrupa Birli\u011fi\u2019nde bir standart edinmek ve bankalar\u0131n \u015feffaf hizmet sunmas\u0131n\u0131 sa\u011flamakt\u0131.<\/p><p>2015 y\u0131l\u0131nda g\u00fcndeme gelen PSD2 ad\u0131nda revizyonla beraber yaln\u0131zca \u00f6deme emri de\u011fil bankac\u0131l\u0131kta edinilen t\u00fcm bilgilerin sa\u011flanabilmesi ile ilgili standartlar belirlenmi\u015ftir. PSD2\u2019nin yay\u0131nlanmas\u0131ndan sonra 2007 y\u0131l\u0131nda kanun PSD1 olarak an\u0131lmaya ba\u015flanm\u0131\u015ft\u0131r. PSD2 ile birlikte Avrupa\u2019daki ve Avrupa d\u0131\u015f\u0131ndaki kullan\u0131c\u0131lara hesap bilgilerini g\u00f6rme, \u00f6deme ba\u015flatma, rutin \u00f6deme i\u015flemlerini ger\u00e7ekle\u015ftirme ve t\u00fcm finansal hesaplara eri\u015fim hizmetleri sunulmu\u015ftur. PSD2 ile birlikte \u00fc\u00e7\u00fcnc\u00fc parti sa\u011flay\u0131c\u0131lar\u0131n pazara eri\u015fimi kolayla\u015fm\u0131\u015f, sekt\u00f6rde rekabet ve akabinde iyile\u015fmeler h\u0131zlanm\u0131\u015f ve yenilik\u00e7i finansal \u00e7\u00f6z\u00fcmlerin \u00f6n\u00fc a\u00e7\u0131lm\u0131\u015ft\u0131r.<\/p><p>Bu standartlar ve mevzuatsal d\u00fczenlemelerle elde edilmek istenen temel ama\u00e7, standartlar\u0131 kabul eden ve uygulayan \u00fclkeler aras\u0131nda rekabet\u00e7i bir \u00f6deme piyasas\u0131 geli\u015ftirmekti. \u0130lk etapta \u00f6deme uygulamalar\u0131n\u0131n ayn\u0131 kurallar\u0131 i\u00e7erdi\u011fi, Avrupa Birli\u011fi, \u0130zlanda, Norve\u00e7 ve Lihten\u015ftayn\u2019\u0131n bulundu\u011fu bir pilot alan olu\u015fturuldu. \u00d6deme piyasas\u0131n\u0131 yeni oyunculara a\u00e7mak i\u00e7in \u00f6deme hizmetleri sa\u011flay\u0131c\u0131s\u0131 kategoriler olu\u015fturuldu. B\u00f6ylece Birle\u015fik Avrupa \u00d6deme Alan\u0131 i\u00e7in temeller at\u0131lm\u0131\u015f olmakla beraber finansal teknoloji sekt\u00f6r\u00fcn\u00fcn geli\u015fmesi h\u0131zland\u0131r\u0131ld\u0131.<\/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-727cfdc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"727cfdc\" 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-bc54ef0\" data-id=\"bc54ef0\" 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-21d02f21 elementor-widget elementor-widget-heading\" data-id=\"21d02f21\" 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\">A\u00e7\u0131k Bankac\u0131l\u0131k \u00d6rnekleri<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17ef640b elementor-widget elementor-widget-text-editor\" data-id=\"17ef640b\" 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>Ki\u015fisel finans, ki\u015finin gelirleri ve giderleri aras\u0131nda bir denge olu\u015fturmas\u0131 anlam\u0131na gelir. Temelde t\u00fcketicinin parasal kaynaklar\u0131n\u0131 biriktirme, tasarruf etme, gelir olu\u015fturma, harcama, b\u00fct\u00e7eleme veya yat\u0131r\u0131m yapma faaliyetleri ile ger\u00e7ekle\u015ftirdi\u011fi bir d\u00f6ng\u00fc olarak tan\u0131mlanabilir.<\/p><p>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n s\u00f6z konusu olmad\u0131\u011f\u0131 zamanlarda ki\u015fisel finans faaliyetleri; bankay\u0131 fiilen ziyaret ederek, m\u00fc\u015fteri temsilcisiyle konu\u015farak, evde hesaplamalar yaparak ve bu hesaplamalardan elde edilen sonu\u00e7lar\u0131 not alarak ger\u00e7ekle\u015ftirilebilir. Fakat g\u00fcn\u00fcm\u00fczde bir\u00e7ok ki\u015finin farkl\u0131 bankalarda farkl\u0131 faizler i\u015fleyen farkl\u0131 krediler ve kredi kartlar\u0131, farkl\u0131 kanallardan internet al\u0131\u015fveri\u015fleri, farkl\u0131 mebla\u011flarda \u00f6demeleri, harcamalar\u0131 ve bununla beraber farkl\u0131 gelirleri mevcuttur. Bu hareketleri manuel takip edebilmek yo\u011fun bir hesaplama ve plan gerektirmektedir. \u00dcstelik kusursuz planlar yap\u0131lsa da beklenmedik giderler veya \u00f6demeler s\u00f6z konusu oldu\u011funda t\u00fcm plan alt \u00fcst olur. Bu durumda g\u00fcn\u00fcm\u00fczde bir\u00e7ok fakt\u00f6r\u00fcn etki etti\u011fi bu hesaplama metodu olduk\u00e7a eskimi\u015ftir.<\/p><p>Art\u0131k finansal bir karar vermek i\u00e7in m\u00fcmk\u00fcn olan en fazla bilgiye ula\u015fmak, karar\u0131n tutarl\u0131l\u0131\u011f\u0131n\u0131 etkileyen en \u00f6nemli fakt\u00f6rd\u00fcr. Bir ekranda izlenebilecek t\u00fcm varl\u0131k ve para hareketi bilgisi, b\u00fct\u00e7e ve yat\u0131r\u0131m kararlar\u0131na do\u011frudan etki edecektir.<\/p><p>A\u00e7\u0131k bankac\u0131l\u0131k sayesinde birka\u00e7 saniyede t\u00fcm bankalardaki gelir ve giderlerinizi takip edebilirsiniz. A\u00e7\u0131k bankac\u0131l\u0131k hizmetleri size yerinizden kalkmadan para transferi ve \u00f6deme yapabilme kabiliyeti, b\u00fct\u00e7eleme ipu\u00e7lar\u0131, tasarruf p\u00fcf noktalar\u0131, fiyat\/\u00f6deme kar\u015f\u0131la\u015ft\u0131rma se\u00e7ene\u011fi, anl\u0131k durum bildirimleri ve ki\u015fiye \u00f6zel yat\u0131r\u0131m tavsiyeleri sunacakt\u0131k. B\u00f6ylelikle ki\u015fisel finans faaliyetleri bir anda dijitale ta\u015f\u0131nm\u0131\u015f olur. Uzun hesaplamalar ve esnek olmayan planlar geride kalacak, para hareketi ger\u00e7ekle\u015ftirdi\u011fimiz dijital kaynaklar gibi paray\u0131 y\u00f6netme kabiliyetimiz de dijitalde y\u00f6netilecektir.<\/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-7f30b39d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f30b39d\" 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-c20767d\" data-id=\"c20767d\" 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-34c2476e elementor-widget elementor-widget-heading\" data-id=\"34c2476e\" 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\">T\u00fcrkiye\u2019de A\u00e7\u0131k Bankac\u0131l\u0131k Ne Durumdad\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-7243ba09 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7243ba09\" 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-621bbf81\" data-id=\"621bbf81\" 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-77e62371 elementor-widget elementor-widget-text-editor\" data-id=\"77e62371\" 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>G\u00fcn\u00fcm\u00fczde a\u00e7\u0131k bankac\u0131l\u0131k hizmetlerini destekleyen uygulama, Avrupa\u2019da t\u00fcm bankalar taraf\u0131ndan kullan\u0131lmakta olan bir altyap\u0131d\u0131r. T\u00fcrkiye\u2019de \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemleri, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131nda 6493 Say\u0131l\u0131 Kanun ile ilk etapta PSD1\u2019in standartlar\u0131n\u0131n y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle birka\u00e7 startup ismini bu alanda duyurmaya ba\u015flad\u0131. Startup firmalar bu teknolojiyi benimseyip bu alandaki geli\u015ftirme \u00e7al\u0131\u015fmalar\u0131n\u0131 s\u00fcrd\u00fcrd\u00fc.<\/p><p>\u00dclkemizde a\u00e7\u0131k bankac\u0131l\u0131k kapsam\u0131nda ger\u00e7ek ve t\u00fczel ki\u015filere \u015fu anda \u00f6deme emri ba\u015flatma ve hesap hareketlerinin izlenmesi olmak \u00fczere 2 hizmet sa\u011flanmaktad\u0131r.<\/p><p>e-HesApp gibi \u00dc\u00e7\u00fcnc\u00fc Parti Sa\u011flay\u0131c\u0131 (Third Party Provider \u2013 TPP) firmalar, ki\u015fi veya kurumlar\u0131n \u00e7al\u0131\u015ft\u0131\u011f\u0131 birden fazla bankadaki hesap hareketlerini tek bir uygulamadan ya da mobil applicationdan g\u00f6rebilmenizi sa\u011flar. \u015eu anki merkez bankas\u0131 standartlar\u0131na g\u00f6re kredi kart\u0131 bilgileri, kredi ve vadeli hesap bilgileri payla\u015f\u0131lamamaktad\u0131r. \u0130lerleyen g\u00fcnlerde bu standartlar\u0131n esneyece\u011fi \u00f6ng\u00f6r\u00fclmektedir.<\/p><p>Bu standartlar \u015fu anda BKM (Bankalar Aras\u0131 Kart Merkezi) taraf\u0131ndan yay\u0131nlanm\u0131\u015ft\u0131r.<\/p><p>A\u00e7\u0131k bankac\u0131l\u0131k hizmetlerini kullanmak isteyen firmalar, sunucu sa\u011flay\u0131p sunucunun d\u0131\u015f IP\u2019sini bankaya iletmelidir. Bankalara verilen yetki ile genel prosed\u00fcrleri uyguland\u0131\u011f\u0131nda a\u00e7\u0131k bankac\u0131l\u0131k hizmetlerinden yararlan\u0131labilir. \u015eirketlerde bu s\u00fcre\u00e7lere ayr\u0131lm\u0131\u015f i\u015f birimleri ve bu i\u015flere ayr\u0131lan kaynaklar oldu\u011fundan bu s\u00fcre\u00e7ler kolay atlat\u0131lmaktad\u0131r. Fakat bireysel m\u00fc\u015fterilere s\u00f6z konusu s\u00fcre\u00e7 olduk\u00e7a me\u015fakkatli gelmektedir. Bireysel m\u00fc\u015fterilerin a\u00e7\u0131k bankac\u0131l\u0131ktan faydalanabilmesi i\u00e7in farkl\u0131 bankalar\u0131 ziyaret edip her birine dilek\u00e7e vermesi akabinde d\u0131\u015f IP tan\u0131mlat\u0131p banka prosed\u00fcrlerini yerine getirmesi gerekmektedir.<\/p><p>Merkez Bankas\u0131\u2019n\u0131n \u00e7\u0131kard\u0131\u011f\u0131 API ile ki\u015filer TPP uygulamas\u0131 indirdi\u011finde sisteme Merkez Bankas\u0131\u2019n\u0131n tan\u0131mlad\u0131\u011f\u0131 g\u00fc\u00e7l\u00fc kimlik do\u011frulamas\u0131 (\u00f6rne\u011fin; e-Devlet sistemi) altyap\u0131s\u0131 ile hesaplar\u0131n\u0131n bulundu\u011fu t\u00fcm bankalar\u0131 g\u00f6rebilecektir. Bu a\u015famada belli bir i\u00e7erik y\u00f6netim sistemi sayesinde g\u00f6rmek istenilen bankan\u0131n hesaplar\u0131na m\u00fc\u015fteriler taraf\u0131ndan eri\u015fim izni verilebilecektir. Kimlik do\u011frulama ve yetkilendirme i\u015flemi BKM taraf\u0131ndan onayland\u0131\u011f\u0131nda izin verilen banka hesab\u0131na dair bilgiler uygulamada g\u00f6r\u00fclebilecektir. S\u00f6z konusu onaylar s\u00fcreli olup unutulan uygulamalarda s\u00fcrekli eri\u015fim devam etmeyecektir.<\/p><p>Third Party Provider firmalar yapay zeka yard\u0131m\u0131yla ki\u015filerin harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131 anlay\u0131p rutin al\u0131\u015fveri\u015fler konusunda ba\u015fka firmalarla i\u015fbirli\u011fi yaparak kampanya \u00f6nerileri sunabilecektir. \u00dcstelik t\u00fcm banka hesap hareketleri tek noktada bulu\u015ftu\u011fu i\u00e7in harcama al\u0131\u015fkanl\u0131klar\u0131n\u0131 daha iyi anlamlanacak, daha do\u011fru sonu\u00e7lar do\u011facakt\u0131r.<\/p><p>BKM ve Merkez Bankas\u0131 gibi resmi kurumlara tek bir temsilci \u00fczerinden gidebilmek i\u00e7in A\u00e7\u0131k Bankac\u0131l\u0131k Derne\u011fi kurulmu\u015ftur.\u00a0 e-HesApp bu derne\u011fin 6 kurucu \u00fcyesinden bir tanesidir. Sekt\u00f6rel temsilcilerin s\u00f6zc\u00fcs\u00fc olarak a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n bireylere ve \u015firketlere uygulanmas\u0131, banka onay s\u00fcre\u00e7leri ve banka entegrasyonlar\u0131 konular\u0131nda Merkez Bankas\u0131 ile g\u00f6r\u00fc\u015fmeler yapmaktad\u0131r.<\/p><p>e-HesApp 2020 y\u0131l\u0131nda kuruldu\u011funda SAP Dan\u0131\u015fmanl\u0131\u011f\u0131, e-fatura e-defter gibi hizmetler sa\u011flayan bir dan\u0131\u015fmanl\u0131k \u015firketiydi. \u0130\u015f hacmi ve sekt\u00f6r\u00fcn ihtiyac\u0131 olan bir alan olmas\u0131 tespit edildikten sonra e-HesApp a\u00e7\u0131k bankac\u0131l\u0131k faaliyetlerinde \u00f6zelle\u015fmi\u015f ve Third Party Provider olarak faaliyetlerine devam etme karar\u0131 alm\u0131\u015ft\u0131r. G\u00fcn\u00fcm\u00fczde \u00e7ok say\u0131da holding ve b\u00fcy\u00fck \u00f6l\u00e7ekli firman\u0131n yan\u0131 s\u0131ra orta ve k\u00fc\u00e7\u00fck \u00f6l\u00e7ekli firmalara da bu alanda katk\u0131 sa\u011flamaya devam etmektedir.<\/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-6822274 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6822274\" 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-2496e56f\" data-id=\"2496e56f\" 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-d1eb25d elementor-widget elementor-widget-heading\" data-id=\"d1eb25d\" 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\u2019\u0131n Sundu\u011fu A\u00e7\u0131k Bankac\u0131l\u0131k \u00c7\u00f6z\u00fcmleri<\/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-7bc56750 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7bc56750\" 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-316d33eb\" data-id=\"316d33eb\" 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-478ab48 elementor-widget elementor-widget-text-editor\" data-id=\"478ab48\" 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>A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131 i\u00e7erisinde \u00f6nemli portf\u00f6ye sahip e-HesApp; hizmet verdi\u011fi \u00e7\u00f6z\u00fcmleri\u00a0ile karma\u015f\u0131kla\u015fan muhasebe s\u00fcre\u00e7lerini anl\u0131k ve kolay bir hale getirmektedir. Sa\u011flad\u0131\u011f\u0131 \u00e7\u00f6z\u00fcmler a\u015fa\u011f\u0131daki gibi \u00f6zetlenmi\u015ftir.<\/p><p>e-HesApp \u00d6zeti: Bankalardan edinmek istedi\u011finiz t\u00fcm banka hareketi bilgilerini halihaz\u0131rda kulland\u0131\u011f\u0131n\u0131z SAP sisteminizde olmas\u0131 gereken alanda anl\u0131k olarak g\u00f6rebilirsiniz. \u00dcstelik bu hareketleri otomatik muhasebele\u015ftirebilirsiniz. A\u00e7\u0131k bankac\u0131l\u0131k prensiplerine uygun anl\u0131k banka mutabakat\u0131 sayesinde muhasebe birimlerinin bankalardan bilgi alma i\u015flemine gerek kalmadan otomatik bilgi aktar\u0131m\u0131 ger\u00e7ekle\u015ftirebilirsiniz. A\u00e7\u0131k bankac\u0131l\u0131k sayesinde internet bankac\u0131l\u0131\u011f\u0131 ve mobil bankac\u0131l\u0131k sisteminize girer gibi kendi ekranlar\u0131n\u0131zda banka hesap \u00f6zetinizi g\u00f6r\u00fcnt\u00fcleyebilirsiniz. \u00c7ek, arbitraj, pos tahsilat, sanal pos, pos komisyon gibi karma\u015f\u0131k kay\u0131tlar\u0131 bile tek ekrandan kayda alabilirsiniz. Belirli saatlerde ve g\u00fcnlerde banka bakiyeleri ile birlikte \u00e7ek, senet, kredi gibi nakit bilgileri i\u00e7eren raporlar\u0131 PDF ve HTML formatlarda e-posta yoluyla ilgili ki\u015filere otomatik g\u00f6nderebilirsiniz.<\/p><p>e-\u00d6deme Sistemi: A\u00e7\u0131k bankac\u0131l\u0131k sayesinde t\u00fcm talimatlar\u0131 SAP i\u00e7erisinden \u00e7\u0131kmadan haz\u0131rlayabilirsiniz. A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131 destekleyen banka sistemleri i\u00e7in talimatlar\u0131 e-imza veya mobil imza ile bankaya g\u00f6nderebilirsiniz. Personel avans \u00f6demelerini sat\u0131c\u0131\/m\u00fc\u015fteri \u00f6demeleri gibi onaya sunup talimatlar\u0131 haz\u0131rlayabilirsiniz. Vergi, SGK, ithalat, hesaplar aras\u0131 virman, swift, arbitraj gibi sat\u0131c\u0131\/m\u00fc\u015fteri d\u0131\u015f\u0131nda kalan \u00f6demeleri de talimatlar\u0131n\u0131 haz\u0131rlayabilirsiniz.<\/p><p>Online DBS: Do\u011frudan Bor\u00e7land\u0131rma Sistemi olarak bilinen DBS\u2019de bayilerin veya distrib\u00fct\u00f6rlerin ana firmaya yapacaklar\u0131 vadeli \u00f6demeler, bankalar arac\u0131l\u0131\u011f\u0131 ile sundu\u011fumuz a\u00e7\u0131k bankac\u0131l\u0131k \u00f6deme sistemi \u00e7\u00f6z\u00fcmlerimiz sayesinde otomatik olarak yap\u0131lmaktad\u0131r.<\/p><p>Pos Tahsilat: Pos Tahsilat \u00e7\u00f6z\u00fcm\u00fcm\u00fcz ile \u00f6deme alma i\u015flemlerinizi a\u00e7\u0131k bankac\u0131l\u0131k sayesinde h\u0131zland\u0131rabilirsiniz. Tek ekranda g\u00fcvenle \u00f6deme yapabilir, rapor alabilir, analiz takibi yapabilir, dinamik ekranlardan banka ve tarih baz\u0131nda komisyon bedellerini takip edebilirsiniz.<\/p><p>Pos Raporlama ve Mutabakat: A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131 destekleyen bir\u00e7ok bankada pos cihaz\u0131n\u0131z, E-Ticaret sisteminde \u00e7al\u0131\u015ft\u0131rd\u0131\u011f\u0131n\u0131z birden \u00e7ok pos cihaz\u0131n\u0131z olsa da t\u00fcm hareketleri anl\u0131k olarak g\u00f6zlemleyebilirsiniz. Bankalarla yap\u0131lan komisyon anla\u015fmas\u0131n\u0131 tek ekranda izleyebilirsiniz. Taksitli i\u015flemlerin gelecek d\u00f6nemlerde \u00f6deme plan\u0131na yans\u0131mas\u0131n\u0131 takip edebilirsiniz.<\/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-5a4afe38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a4afe38\" 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-40d7c403\" data-id=\"40d7c403\" 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-2c9a476b elementor-widget elementor-widget-heading\" data-id=\"2c9a476b\" 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-769a84d0 elementor-widget elementor-widget-text-editor\" data-id=\"769a84d0\" 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><strong>e-Hesapp \u00e7\u00f6z\u00fcmleri <\/strong><strong>hakk\u0131nda detayl\u0131 bilgi i\u00e7in bizimle ileti\u015fime ge\u00e7ebilirsiniz.<\/strong><\/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-03332e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03332e5\" 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-be1bfb7\" data-id=\"be1bfb7\" 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 \/ A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir? A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir? G\u00fcn\u00fcm\u00fczde \u00f6n\u00fcne \u201ca\u00e7\u0131k\u201d gelen bir\u00e7ok terim duyuyoruz. \u00d6rne\u011fin; a\u00e7\u0131k [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1028,"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-898","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>A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir? -<\/title>\n<meta name=\"description\" content=\"A\u00e7\u0131k bankac\u0131l\u0131k; m\u00fc\u015fterilerin \u00f6zel finansal banka verilerinin izin ve onay\u0131 ile \u00fc\u00e7\u00fcnc\u00fc parti kurulu\u015flar\u0131na a\u00e7\u0131lmas\u0131 anlam\u0131na gelen hizmettir.\" \/>\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\/acik-bankacilik-open-banking-nedir\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A\u00e7\u0131k Bankac\u0131l\u0131k (Open Banking) Nedir? 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