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Bankacılık ve Finansın Denetiminde Denetim Teknolojisi (SupTech)ve Yapay Zekâ

Year 2021, Volume: 18 Issue: 1, 59 - 81, 30.06.2021

Abstract

Ekonomik ve toplumsal sonuçları büyük önem gösteren denetim faaliyetlerinin daha etkin hale getirilmesi için yüksek teknolojiden ve yapay zekâdan yararlanılması son yıllarda oldukça fazla gündeme gelmektedir. Bir makinenin insanın yerini alması veya ne kadar yerini alabileceği konusunda yepyeni tartışmalar yapılmaktadır. Dijitalleşme ve yapay zeka (AI) teknolojileri, uyumluluk ve denetim ortamında derin değişikliklere yol açmaktadır. Yüksek teknolojinin ve yapay zekânın bankacılıkta (ve denetiminde) daha kapsamlı kullanımı, tüketicinin korunmasını geliştirip yeniliği beslerken finansal istikrarı korumak isteyen düzenleyiciler için de yeni fırsatlar ve zorluklar sunmaktadır. Bankacılık sektörü için uyumluluk ve denetim ortamının, yapay zekânın daha yaygın bir şekilde benimsenmesiyle gelişmesi oldukça muhtemeldir. Teknoloji, uyum sürecini kolaylaştırmak, makine tarafından okunabilir düzenlemeler getirmek ve denetim amaçlı veri toplamayı otomatikleştirmek suretiyle bankacılık kesiminde yepyeni bir döneme işaret etmektedir. Bu çalışma sonucunda görülmüştür ki, bankacılık kesimindeki hızlı teknolojik gelişim, denetim alanında da SupTech ve yapay zeka uygulamalarının giderek artmasına neden olmaktadır. Günümüz koşullarında SupTech ve yapay zekanın denetim alanında insanın/denetçinin yerini alması söz konusu olmamakla birlikte, denetim sürecini kolaylaştırdığı, denetimin etkinliğini arttırdığı görülmektedir.

References

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  • Briggs, T. (2019). Use AI to Enhance Human Intelligence, Not Eliminate It. Journal of Financial Planning, 32(1): 26–27.
  • Broeders, D. And Prenio, J. (2018). Innovative Technology in Financial Supervision.BIS Financial Stability Institute, FSI Insights on Policy Implementation, 9: 1-29.
  • Buckley, R.,Arner, D., Zetzsche, D., Selga, E. (2020).The Dark Side of Digital Financial Transformation: The New Risks of FinTech and the Rise ofTechRisk.https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3478640, 1-37, Erişim Tarihi: 28.03.2021
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  • Gürses, U. (2019). Dijitalde Bulut, Klasik Bankacılığı Unut.https://ugurses.net/tag/yapay-zeka/, Erişim Tarihi: 08.04.2021
  • Hintze, A. (2016). Understanding the Four Types of ArtificialIntelligence.https://www.govtech.com/computing/Understanding-the-Four-Types-of-Artificial-Intelligence.html, Erişim Tarihi: 06.04.2021
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  • Jagtiani, J., Wall, L., Vermilyea, T. (2020). The Roles of Big Data and Machine Learning in Bank Supervision,https://www.theclearinghouse.org/banking-perspectives/2018/2018-q1-banking-perspectives /articles/big-data-ml-bank-supervision#:~:text=The%20Roles%20of%20Big %20 Data %20 and % 20Machine%20Learning%20in%20Bank%20Supervision,-These%20powerful %20new&text= On%20the%20one%20hand%2C%20the,bank%20supervisors%20to%20monitor%20compliance,Erişim Tarihi: 28.03.2021
  • Kandrács, C. (2020). The Renewal of Banking Supervision.Civic Re¬view, Vol.15, Spe¬cial Issue, 93–115.
  • Kandemir, C. ve Kandemir, Ş. (2018). Denetim İmgesi ve Gerçekliği-Denetim Klasiklerine Genel Bir Bakış, Gazi Kitabevi, Ankara.
  • Smith, S.S. (2020). Blockchain, ArtificialIntelligenceand Financial Services Implications and Applications for Finance and Accounting Professionals, Springer Nature Switzerland AG.
  • SQL Power (2020). Artificial Intelligence: The Future Of Financial Regulation.https://www.sqlpower.ca/artificial-intelligence-financial-regulation/, Erişim Tarihi: 28.03.2021
  • Swankie, G. And Broby, D. (2019). Examining the Impact of Artificial Intelligence on the Evaluation of Banking Risk.Centre for Financial Regulation and Innovation, https://www.researchgate.net/publication/337908452, 1-19, Erişim Tarihi: 28.03.2021
  • Tammenga, A. (2020). The Application of Artificial Intelligence in Banks in the Context of the Three Lines of Defence Model.Maandblad Voor Accountancy en Bedrijfseconomie 94:(5/6), 219–230.
  • Tas, O. ve Mert, H. (2019). Denetimde Yapay Zeka Uygulaması.Press Academia Procedia (PAP), 9: 65-68.
  • The Institute of Internal Auditors (2017). Küresel Bakış Açıları: Yapay Zekâ I-İç Denetim Mesleğine İlişkin Dikkate Alınması Gerekenler.https://www.tide.org.tr/file/documents/pdf/GPAI-Artificial-Intelligence-Part-I-Revised.pdf.
  • The World Bank Group (2020). Prudential Regulatory and Supervisory Practices for FinTech:Payments, Credit and Deposits.www.worldbank.org, Erişim Tarihi: 28.03.2021
  • Yıldız, B. ve Akkoç, S. (2009). Banka Finansal Başarısızlıklarının Sinirsel Bulanık Ağ Yöntemi ile Öngörüsü.BDDK Finansal Piyasalar ve Bankalar Dergisi, 3,(1), 9-36.
  • Wijayanti, N. A. (2019). Banking Supervisory and Regulatory Policy in Developing Countries: An Analysis of Determinants and Impacts.Western Michigan University Scholar Works at WMU, https://scholarworks.wmich.edu/dissertations/3504?utm_source=scholarworks.wmich.edu%2Fdissertations%2F3504&utm_medium=PDF&utm_campaign=PDFCoverPages, Erişim Tarihi: 04.04.2021
  • World Bank Group (2018). From Spreadsheets To Suptech Technology Solutions For Market Conduct Supervision. Discussion Note, https://openknowledge.worldbank.org/ bitstream/handle/10986/29952/127577-REVISED-Suptech-Technology-Solutions-for-Market-Conduct-Supervision.pdf?sequence=4&isAllowed=y, 1-27, Erişim Tarihi: 28.03.2021
  • Zeranski, S. and Sancak İ. E. (2020). Digitalisation of Financial Supervision with Supervisory Technology.Journal of International Banking Law&Regulation, 8: 309-329.
Year 2021, Volume: 18 Issue: 1, 59 - 81, 30.06.2021

Abstract

References

  • BIS (2019). The Suptech Generations. Financial Stability Institute, FSI Insights on Policy Implementation, 19: 1-22.
  • Briggs, T. (2019). Use AI to Enhance Human Intelligence, Not Eliminate It. Journal of Financial Planning, 32(1): 26–27.
  • Broeders, D. And Prenio, J. (2018). Innovative Technology in Financial Supervision.BIS Financial Stability Institute, FSI Insights on Policy Implementation, 9: 1-29.
  • Buckley, R.,Arner, D., Zetzsche, D., Selga, E. (2020).The Dark Side of Digital Financial Transformation: The New Risks of FinTech and the Rise ofTechRisk.https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3478640, 1-37, Erişim Tarihi: 28.03.2021
  • Bughin, J., Hazan, E.vd. (2017). Artificial Intelligence The Next Digital Frontier?,McKinsey Global Institute, Discussion Paper.
  • Demirdelen, Ö. ve Kandemir, Ş. (2020).İleri Düzey Teknolojinin Getirdiği Yeni Bir Sorun: Yapay Zekânın Hukuk İle İlişkisi, Yapay Zekâ ve Büyük Veri Kitap Serisi 1: Yapay Zekâ ve Büyük Veri: Teknolojiler, Yaklaşımlar ve Uygulamalar içinde, 366-388, Nobel Kitabevi, Adana.
  • Financial Stability Board (2017). Artificial Intelligence And Machine Learning in Financial Services Market Developments And Financial Stability Implications, http://www.fsb.org/terms_conditions, Erişim Tarihi: 28.03.2021
  • Financial Stability Board (2020). The Use of SupervisoryandRegulatoryTechnologybyAuthoritiesandRegulatedInstitutions.https://www.fsb.org/wp-content/uploads/P091020.pdf, pg. 7, Erişim Tarihi: 08.04.2021
  • Guerineau, P. (2020). Artificial Intelligence and Banking Supervision. KPMG Global, https://home.kpmg/xx/en/home/insights/2020/01/artificial-intelligence-and-banking- supervision-preserving-the-human-touch.html, 1-40, Erişim Tarihi: 28.03.2021
  • Gurrea-Martinez, A. and Remolina, A. (2020). Global Challenges and Regulatory Strategiesto FinTech.Institutional Knowledge at Singapore Management University Centre for AI & Data Governance SMU Institutes, Centres, Labs&Initiatives.
  • Gürses, U. (2019). Dijitalde Bulut, Klasik Bankacılığı Unut.https://ugurses.net/tag/yapay-zeka/, Erişim Tarihi: 08.04.2021
  • Hintze, A. (2016). Understanding the Four Types of ArtificialIntelligence.https://www.govtech.com/computing/Understanding-the-Four-Types-of-Artificial-Intelligence.html, Erişim Tarihi: 06.04.2021
  • Hong Kong Acedemy of Finance (2020). Artificial Intelligence in Banking-The Changing Landscape in Compliance and Supervision.Hong Kong Institute for Monetary and Financial Research HKIMR Applied Research Report No: 2, 1-66.
  • Jagtiani, J., Wall, L., Vermilyea, T. (2020). The Roles of Big Data and Machine Learning in Bank Supervision,https://www.theclearinghouse.org/banking-perspectives/2018/2018-q1-banking-perspectives /articles/big-data-ml-bank-supervision#:~:text=The%20Roles%20of%20Big %20 Data %20 and % 20Machine%20Learning%20in%20Bank%20Supervision,-These%20powerful %20new&text= On%20the%20one%20hand%2C%20the,bank%20supervisors%20to%20monitor%20compliance,Erişim Tarihi: 28.03.2021
  • Kandrács, C. (2020). The Renewal of Banking Supervision.Civic Re¬view, Vol.15, Spe¬cial Issue, 93–115.
  • Kandemir, C. ve Kandemir, Ş. (2018). Denetim İmgesi ve Gerçekliği-Denetim Klasiklerine Genel Bir Bakış, Gazi Kitabevi, Ankara.
  • Smith, S.S. (2020). Blockchain, ArtificialIntelligenceand Financial Services Implications and Applications for Finance and Accounting Professionals, Springer Nature Switzerland AG.
  • SQL Power (2020). Artificial Intelligence: The Future Of Financial Regulation.https://www.sqlpower.ca/artificial-intelligence-financial-regulation/, Erişim Tarihi: 28.03.2021
  • Swankie, G. And Broby, D. (2019). Examining the Impact of Artificial Intelligence on the Evaluation of Banking Risk.Centre for Financial Regulation and Innovation, https://www.researchgate.net/publication/337908452, 1-19, Erişim Tarihi: 28.03.2021
  • Tammenga, A. (2020). The Application of Artificial Intelligence in Banks in the Context of the Three Lines of Defence Model.Maandblad Voor Accountancy en Bedrijfseconomie 94:(5/6), 219–230.
  • Tas, O. ve Mert, H. (2019). Denetimde Yapay Zeka Uygulaması.Press Academia Procedia (PAP), 9: 65-68.
  • The Institute of Internal Auditors (2017). Küresel Bakış Açıları: Yapay Zekâ I-İç Denetim Mesleğine İlişkin Dikkate Alınması Gerekenler.https://www.tide.org.tr/file/documents/pdf/GPAI-Artificial-Intelligence-Part-I-Revised.pdf.
  • The World Bank Group (2020). Prudential Regulatory and Supervisory Practices for FinTech:Payments, Credit and Deposits.www.worldbank.org, Erişim Tarihi: 28.03.2021
  • Yıldız, B. ve Akkoç, S. (2009). Banka Finansal Başarısızlıklarının Sinirsel Bulanık Ağ Yöntemi ile Öngörüsü.BDDK Finansal Piyasalar ve Bankalar Dergisi, 3,(1), 9-36.
  • Wijayanti, N. A. (2019). Banking Supervisory and Regulatory Policy in Developing Countries: An Analysis of Determinants and Impacts.Western Michigan University Scholar Works at WMU, https://scholarworks.wmich.edu/dissertations/3504?utm_source=scholarworks.wmich.edu%2Fdissertations%2F3504&utm_medium=PDF&utm_campaign=PDFCoverPages, Erişim Tarihi: 04.04.2021
  • World Bank Group (2018). From Spreadsheets To Suptech Technology Solutions For Market Conduct Supervision. Discussion Note, https://openknowledge.worldbank.org/ bitstream/handle/10986/29952/127577-REVISED-Suptech-Technology-Solutions-for-Market-Conduct-Supervision.pdf?sequence=4&isAllowed=y, 1-27, Erişim Tarihi: 28.03.2021
  • Zeranski, S. and Sancak İ. E. (2020). Digitalisation of Financial Supervision with Supervisory Technology.Journal of International Banking Law&Regulation, 8: 309-329.
There are 27 citations in total.

Details

Primary Language Turkish
Journal Section Research Article
Authors

Şenol Kandemir 0000-0002-7621-4457

Early Pub Date June 30, 2021
Publication Date June 30, 2021
Published in Issue Year 2021 Volume: 18 Issue: 1

Cite

APA Kandemir, Ş. (2021). Bankacılık ve Finansın Denetiminde Denetim Teknolojisi (SupTech)ve Yapay Zekâ. Çağ Üniversitesi Sosyal Bilimler Dergisi, 18(1), 59-81.