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İslami Fİntek Ekosistemi Üzerine Bİr Değerlendirme

Year 2020, Volume: 2 Issue: 1, 63 - 99, 26.05.2020

Abstract

Fintekler yeni nesil teknolojik gelişmeleri kullanarak finansal inovasyon geliştiren şirketlerdir. Finans sektörü, genel hizmetlerden bireysel ürünlere doğru dönüşmektedir. Fintek girişimleri, konvansiyonel endüstrinin sunduğu servisler dışında ürünler sunarak bu değişimin öncüsü olmuştur. Geleceğin finans piyasası mikro ölçekte kişisel çözümler üreten zaman ve mekâna bağlı olmadan, her gelir grubuna hitap eden firmalardan oluşacaktır.
İslami finans Şer’i kurallarla sınırlı olduğundan konvansiyonel finansın kullandığı her argümanı kullanamamaktadır. Fintekler faiz oranı, kâr marjı, risk analizi gibi faaliyetleri kendileri belirlediğinden konvansiyonel bankaların ilgilenmek istemedikleri müşterilere ulaşma potansiyeline sahiptir. Diğer yandan İslami finans, geleneksel finansın kısıtlarından kurtulabilmek için İslami fintekleri yanına almak durumundadır. Çalışmanın amacı İslami finteklerin “İslami” kalarak finans alanında istenen farklılığı oluşturabileceğini göstermektedir. İslami fintek sayısı fintek evreninin sadece %6’sına denk gelmektedir. Şer’i uyumlu olma zorunluluğu olmadığından şirketlerin “İslami” olduğuna karar vermek diğer etkenlerle mümkün olmaktadır.
İslami fintek ekosisteminin incelendiği çalışmada, bu kategoriye giren kuruluşların yapısı, Şer’i uyumluluğu, karşılaştığı zorluklar ve fırsatlar ele alınmıştır. Fintek ekosistemiyle alakalı sağlıklı bilgilere ulaşmanın zorluğu bulunmaktadır. Bu sebeple İslami fintek sınıflandırılması etkin olarak IFNFintech tarafından yapıldığından kurumların listesine belirtilen siteden ulaşılmıştır. Yapılan analizde İslami fintek kuruluşlarının henüz emekleme aşamasında olduğu, genelde ekonomisi gelişmiş ülkelerde sistematik yapıya sahip olduğu, özellikle yetişmiş personel eksikliği bulunduğu ve sermayeye ulaşmada zorluklar yaşadığı görülmüştür. Şirketlerin ağırlıklı olarak kitlesel fonlamaya yöneldiği, ardından mobil sistemler ve kripto paralar ile ilgili girişimlerin öne çıktığı tespit edilmiştir. İslami start-upların gelişimleri gelecek için umut vaat etmektedir. İslami finteklerin gelişmesinin İslami bankalarla entegrasyonuyla daha çabuk sağlanacağı sonucuna ulaşılmıştır.

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Year 2020, Volume: 2 Issue: 1, 63 - 99, 26.05.2020

Abstract

References

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  • Cusmano, L., & Koreen, M. (2015). New approaches to SME and entrepreneurship financing: Broadening the range of instruments. Pariz: OECD Centre for Entrepreneurship, SMEs and Local Development.
  • Çelik, İ. (2016). İslâm Finans Sisteminin Geleceğinin Aksiyomları. Dumlupınar Üniversitesi Sosyal Bilimler Dergisi, (49), 159-182.
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  • De Buysere, K., Gajda, O., Kleverlaan, R., Marom, D., & Klaes, M. (2012). A framework for European crowdfunding.
  • Demirdöğen, Y. (2019). Fintek Ekosistemi İçin Gerekli Düzenlemeler (Regtek). Süleyman Demirel Üniversitesi Vizyoner Dergisi, 10(24), 311-321.
  • Deng, L., & Yu, D. (2014). Deep learning: methods and applications. Foundations and Trends® in Signal Processing, 7(3–4), 197-387.
  • EBA (European Banking Authority) (2015), Joint Committee Discussion Paper on automation in financial advice, European Banking Authority, JC 2015 080, 4 December 2015
  • EBA (European Banking Authority) (2018), Fintech: Regulatory Sandboxes And Innovation Hubs, JC 2018 74, p. 10
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There are 108 citations in total.

Details

Primary Language Turkish
Subjects Finance
Journal Section Articles
Authors

Yavuz Demirdöğen 0000-0003-0648-1872

Publication Date May 26, 2020
Submission Date May 9, 2020
Acceptance Date May 14, 2020
Published in Issue Year 2020 Volume: 2 Issue: 1

Cite

APA Demirdöğen, Y. (2020). İslami Fİntek Ekosistemi Üzerine Bİr Değerlendirme. Gaziantep Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 2(1), 63-99.

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