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Türkiye’deki Hukuki Altyapı ve Ödeme Hizmetleri Yönergesi 2 Bağlamında API Teknolojisi ve Açık Bankacılık

Year 2020, , 149 - 148, 01.10.2020
https://doi.org/10.33203/mfy.637661

Abstract

 Bankacılığı
etkileyen teknolojik gelişmeler sonucunda bankacılık faaliyetlerinin
gerçekleştirildiği ortam ve hizmetler de değişmiştir. Finans uygulamalarıyla
teknolojiyi birleştiren fintech kavramı bankacılık hizmetlerinin yeni bir
konseptle sunulmasının önünü açmıştır. “Açık bankacılık” olarak adlandırılan bu
yeni bankacılık konsepti, bankacılık sektöründe dijitalleşme ve şeffaflık
kavramlarını öne çıkarmıştır. Çalışmada açık bankacılık kavramının tanımı,
uygulaması, fırsat ve risklerine değinilmiş ve kavramın hukuki boyutu ele
alınmıştır. Literatür incelemesi sonucunda açık bankacılığın bankaları
uyumluluk, rekabetçilik, yayılmacılık ve dönüşümcülük olmak üzere dört temel stratejiye
ittiği sonucuna ulaşılmıştır.

References

  • 6493 sayılı Ödeme ve Menkul Kıymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluşları Hakkında Kanun, (2013). http://www.mevzuat.gov.tr/MevzuatMetin/1.5.6493.pdf, (01.10.2019).
  • Akbank API Market, https://apiportal.akbank.com, (15.09.2019).
  • Albaraka Türk API Market, https://developer.albarakaturk.com.tr, (15.09.2019).
  • Ardıç, B & Göktürk, M., (2009). Kullanılabilir Uygulama Programlama Arayüzleri. 4. Ulusal Yazılım Mühendisliği Sempozyumu: İstanbul.
  • Cortet, M., Rijks, T., & Nijland, S., (2016). PSD2: The Digital Transformation Accelerator For Banks. Journal of Payments Strategy & Systems, 10(1), 13-27.
  • Coste, R. & Miclea, L., (2019). API Testing for Payment Service Directive2 and Open Banking. International Journal of Modeling and Optimization, 9(1), 7-11.
  • Çivi, H., (1985). Türkiye’de Bankacılık Teori, Uygulama ve Sonuçları. Ankara: Fon Matbaası.
  • Deliotte, (2017). How to Flourish in an Uncertain Future: Open Banking and PSD2. https://www2.deloitte.com/content/dam/Deloitte/uk/Documents/financial-services/deloitte-uk-open-banking-how-to-flourish-in-an-uncertain-future.pdf, (05.09.2019).
  • Denizbank API Market, https://api.intertech.com.tr, (15.09.2019).
  • e-APWG. (2016). Understanding the business relevance of Open APIs and Open Banking for banks, Euro Banking Association. https://www.abe-eba.eu/media/azure/production/1522/business-relevance-of-open-apis-and-open-banking-for-banks.pdf, (11.09.2019).
  • EBF, (2016). Guidance For Implementation Of The Revised Payment Services Directive PSD2
  • Guidance.https://www.betaalvereniging.nl/wpcontent/uploads/EBF_PSD2_guidance_september2016.pdf, (06.09.2019).
  • European Comission, (2017). Fact Sheet: Payment Services Directive (PSD2): Regulatory Technical Standards (RTS) Enabling Consumers To Benefit From Safer And More İnnovative Electronic Payments. https://europa.eu/rapid/press-release_MEMO-17-4961_en.pdf, (06.09.2019).
  • Evans, P. C., & Basole, R. C., (2016). Revealing the API ecosystem and enterprise strategy via visual analytics. Communications of the ACM, 59(2), 26-28.
  • Fintech İstanbul, (2017). Kuvey Türk API Market Açıldı. https://fintechistanbul.org/2017/11/24/kuveyt-turk-api-market-acildi/, (23.09.2019).
  • Fintech İstanbul, (2017), API nedir? Fintech Girişimleri için neden önemlidir? https://fintechistanbul.org/2017/03/22/api-nedir-fintech-girisimleri-icin-neden-onemlidir/, (12.09.2019).
  • Garanti API Market, https://developers.garantibbva.com.tr, (15.09.2019).
  • Gencheva, A., (2018). Consumer Perceptions to Friction in the Context of the Privacy vs Convenience Trade-Off-The Case of an Open Banking Consent Journey. iSChannel, 13(1), 4-11.
  • Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W., (2018). On the fintech revolution: interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220-265.
  • Gozman, D., Hedman, J., & Olsen, K. S. (2018). Open Banking: Emergent Roles, Risks &
  • Opportunities.https://odoko.cbs.dk/bitstream/handle/10398/9682/Gozman_Hedman_Sylvest.pdf?sequence=1, (25.09.2019).
  • Guibaud, S., (2015). How to Develop a Profitable, Customer-Focused Digital Banking Strategy: Open Banking Services and Developer-Friendly APIs. Journal of Digital Banking, 1(1), 6-12.
  • Hildreth, R., (2009). Banks, Banking, and Paper Currencies: In Three Parts (1840), Montana: Kessinger Publishing.
  • HSBC Open API Market, https://openlab.openbankproject.com/, (28.09.2019).
  • Hsieh, K., (2019). Open Banking: A Case Study for Open API Economy. https://nccur.lib.nccu.edu.tw/bitstream/140.119/124377/1, (08.09.2019).
  • İngiltere Rekabet ve Piyasalar Otoritesi, https://www.gov.uk/government/organisations/competition-and-markets-authority/about, (02.10.2019).
  • İş Bankası API Market, https://developer.isbank.com.tr, (15.09.2019).
  • Kim, K. H., Hwang, M. S., Jae, E. Y., Jun, S. H., & Kwon, M. C., (2016). “A Study on Message Queue Safe Proper Time for Open API Fast Identity Online Fintech Architecture. International Journal of Software Engineering and Its Applications, 10(5), 33-44.
  • Kolobova, Y. I., Mokhnitskaya, D. S., Sidorova, V. E., & Skorokhod, A. A., (2018). Risks and Threats of Using Open Banking in Russia and in the World. KnE Social Sciences, 3(2), 415-426.
  • KPMG, (2017). Yeni Ödeme Hizmetleri Yönergesi. https://assets.kpmg/content/dam/kpmg/tr/pdf/2018/05/yeni-odeme-hizmetleri-psd2.pdf, (10.09.2019).
  • Kuveyt Türk API Market, https://developer.kuveytturk.com.tr/#/products, (16.09.2019).
  • Lee, D. K. C., and Teo, E. G. S., (2015). “Emergence of Fintech and the Lasic Principles,” SSRN Scholarly Paper No. ID 2668049, NY: Social Science Research Network: Rochester.
  • Medici, (2018). Open Banking Report 2018. https://gomedici.com/uploads/MEDICI-Open-Banking-2018.pdf, (17.09.2019).
  • ODI/Fingletion, (2019). Open Banking. Praparing for lift off. https://www.openbanking.org.uk/wp-content/uploads/open-banking-report-150719.pdf, (29.09.2019).
  • Omarini, A. E., (2018). Banks and Fintechs: How to Develop a Digital Open Banking Approach for the Bank’s Future. International Business Research, 11(9), 23-36.
  • Open Banking Project Customer Case Study: HSBC Addresses Current And Future Banking Challenges Using Open Bank Project, 2019, https://www.openbankproject.com/wp-content/uploads/2019/05/Case-Study-Openlab-@HSBC.pdf, (04.10.2019).
  • ÖDED, (2016). Yeni Ödeme Hizmetleri Direktifi – 2. https://oded2016.files.wordpress.com/2017/12/oded_avrupa_birligi_odeme_hizmetleri_direktifi_2.pdf, (07.09.2019).
  • Programmableweb, https://www.programmableweb.com/category-api, (16.09.2019).
  • PWC, (2017). Waiting Until the Eleventh Hour. European Banks Reaction to PSD2. https://www.pwc.com/gx/en/financial-services/assets/pdf/waiting-until-the-eleventh-hour.pdf, (09.09.2019).
  • PWC, (2018). The Future of Banking is Open How to Seize the Open Banking Opportunity. https://retailbankinginnovation.fintecnet.com/uploads/2/4/3/8/24384857/the_future_of_banking_is_open.pdf, (29.09.2019).
  • Sivathanu, B., (2019). An Empirical Study on the Intention to Use Open Banking in India. Information Resources Management Journal (IRMJ), 32(3), 27-47.
  • Sümer, G., (2016). Türk Bankacılık Sektörünün Tarihsel Gelişimi ve AB Bankacılık Sektörü İle Karşılaştırılması. Gazi Üniversitesi İktisadi ve İdari Bilimler Dergisi, 18(2), 485-508.
  • Türk Dil Kurumu Sözlük, http://sozluk.gov.tr, (25.09.2019).
  • UK Open Banking Group, (2017). Open Banking Standards, https://www.paymentsforum.uk/sites/default/files/documents/Background%20Document%20No.%202%20-%20The%20Open%20Banking%20Standard%20-%20Full%20Report.pdf, (02.10.2019).
  • Vakıfbank API Market, https://apiportalprep.vakifbank.com.tr, (15.09.2019).
  • Vives, X., (2017). The impact of FinTech on Banking. European Economy, 2, 97-105.
  • Yapıkredi Bank API Market, https://apiportal.yapikredi.com.tr, (15.09.2019).
  • Yetiz, F., (2016). Bankacılığın Doğuşu ve Türk Bankacılık Sistemi. Niğde Üniversitesi İktisadi ve İdari Bilimler Dergisi, 9(2), 107-117.
  • Zachariadis, M. & Özcan, P., (2017). The API Economy and Digital Transformation in Financial Services: The case of Open Banking. Swıft Instıtute Workıng Paper. https://www.researchgate.net/profile/Pinar_Ozcan/publication/317999505_The_API_Economy_and_Digital_Transformation_in_Financial_Services_The_Case_of_Open_Banking/links/5b36028a0f7e9b0df5d89790/The-API-Economy-and-Digital-Transformation-in-Financial-Services-The-Case-of-Open-Banking.pdf, (28.09.2019).

API Technology and Open Banking from the Perspective of Turkish Legal System and Payment Services Directive 2

Year 2020, , 149 - 148, 01.10.2020
https://doi.org/10.33203/mfy.637661

Abstract

As a result of technological developments which
affecting banking, the banking environment and  services have also changed. The concept of
fintech, which combines technology with finance applications, enabled banking
services to be introduced with a new concept. This new banking concept called
“open banking” highlighted the concepts of digitalization and transparency in
the banking sector. In this study, the definition, implementation, opportunities
and risks and the legal dimension of open banking are discussed. As a result of
the literature review, it is concluded that with open banking, banks implement four
basic strategies: compatibility, competitiveness, expansionism and
transformationalism.

References

  • 6493 sayılı Ödeme ve Menkul Kıymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluşları Hakkında Kanun, (2013). http://www.mevzuat.gov.tr/MevzuatMetin/1.5.6493.pdf, (01.10.2019).
  • Akbank API Market, https://apiportal.akbank.com, (15.09.2019).
  • Albaraka Türk API Market, https://developer.albarakaturk.com.tr, (15.09.2019).
  • Ardıç, B & Göktürk, M., (2009). Kullanılabilir Uygulama Programlama Arayüzleri. 4. Ulusal Yazılım Mühendisliği Sempozyumu: İstanbul.
  • Cortet, M., Rijks, T., & Nijland, S., (2016). PSD2: The Digital Transformation Accelerator For Banks. Journal of Payments Strategy & Systems, 10(1), 13-27.
  • Coste, R. & Miclea, L., (2019). API Testing for Payment Service Directive2 and Open Banking. International Journal of Modeling and Optimization, 9(1), 7-11.
  • Çivi, H., (1985). Türkiye’de Bankacılık Teori, Uygulama ve Sonuçları. Ankara: Fon Matbaası.
  • Deliotte, (2017). How to Flourish in an Uncertain Future: Open Banking and PSD2. https://www2.deloitte.com/content/dam/Deloitte/uk/Documents/financial-services/deloitte-uk-open-banking-how-to-flourish-in-an-uncertain-future.pdf, (05.09.2019).
  • Denizbank API Market, https://api.intertech.com.tr, (15.09.2019).
  • e-APWG. (2016). Understanding the business relevance of Open APIs and Open Banking for banks, Euro Banking Association. https://www.abe-eba.eu/media/azure/production/1522/business-relevance-of-open-apis-and-open-banking-for-banks.pdf, (11.09.2019).
  • EBF, (2016). Guidance For Implementation Of The Revised Payment Services Directive PSD2
  • Guidance.https://www.betaalvereniging.nl/wpcontent/uploads/EBF_PSD2_guidance_september2016.pdf, (06.09.2019).
  • European Comission, (2017). Fact Sheet: Payment Services Directive (PSD2): Regulatory Technical Standards (RTS) Enabling Consumers To Benefit From Safer And More İnnovative Electronic Payments. https://europa.eu/rapid/press-release_MEMO-17-4961_en.pdf, (06.09.2019).
  • Evans, P. C., & Basole, R. C., (2016). Revealing the API ecosystem and enterprise strategy via visual analytics. Communications of the ACM, 59(2), 26-28.
  • Fintech İstanbul, (2017). Kuvey Türk API Market Açıldı. https://fintechistanbul.org/2017/11/24/kuveyt-turk-api-market-acildi/, (23.09.2019).
  • Fintech İstanbul, (2017), API nedir? Fintech Girişimleri için neden önemlidir? https://fintechistanbul.org/2017/03/22/api-nedir-fintech-girisimleri-icin-neden-onemlidir/, (12.09.2019).
  • Garanti API Market, https://developers.garantibbva.com.tr, (15.09.2019).
  • Gencheva, A., (2018). Consumer Perceptions to Friction in the Context of the Privacy vs Convenience Trade-Off-The Case of an Open Banking Consent Journey. iSChannel, 13(1), 4-11.
  • Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W., (2018). On the fintech revolution: interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220-265.
  • Gozman, D., Hedman, J., & Olsen, K. S. (2018). Open Banking: Emergent Roles, Risks &
  • Opportunities.https://odoko.cbs.dk/bitstream/handle/10398/9682/Gozman_Hedman_Sylvest.pdf?sequence=1, (25.09.2019).
  • Guibaud, S., (2015). How to Develop a Profitable, Customer-Focused Digital Banking Strategy: Open Banking Services and Developer-Friendly APIs. Journal of Digital Banking, 1(1), 6-12.
  • Hildreth, R., (2009). Banks, Banking, and Paper Currencies: In Three Parts (1840), Montana: Kessinger Publishing.
  • HSBC Open API Market, https://openlab.openbankproject.com/, (28.09.2019).
  • Hsieh, K., (2019). Open Banking: A Case Study for Open API Economy. https://nccur.lib.nccu.edu.tw/bitstream/140.119/124377/1, (08.09.2019).
  • İngiltere Rekabet ve Piyasalar Otoritesi, https://www.gov.uk/government/organisations/competition-and-markets-authority/about, (02.10.2019).
  • İş Bankası API Market, https://developer.isbank.com.tr, (15.09.2019).
  • Kim, K. H., Hwang, M. S., Jae, E. Y., Jun, S. H., & Kwon, M. C., (2016). “A Study on Message Queue Safe Proper Time for Open API Fast Identity Online Fintech Architecture. International Journal of Software Engineering and Its Applications, 10(5), 33-44.
  • Kolobova, Y. I., Mokhnitskaya, D. S., Sidorova, V. E., & Skorokhod, A. A., (2018). Risks and Threats of Using Open Banking in Russia and in the World. KnE Social Sciences, 3(2), 415-426.
  • KPMG, (2017). Yeni Ödeme Hizmetleri Yönergesi. https://assets.kpmg/content/dam/kpmg/tr/pdf/2018/05/yeni-odeme-hizmetleri-psd2.pdf, (10.09.2019).
  • Kuveyt Türk API Market, https://developer.kuveytturk.com.tr/#/products, (16.09.2019).
  • Lee, D. K. C., and Teo, E. G. S., (2015). “Emergence of Fintech and the Lasic Principles,” SSRN Scholarly Paper No. ID 2668049, NY: Social Science Research Network: Rochester.
  • Medici, (2018). Open Banking Report 2018. https://gomedici.com/uploads/MEDICI-Open-Banking-2018.pdf, (17.09.2019).
  • ODI/Fingletion, (2019). Open Banking. Praparing for lift off. https://www.openbanking.org.uk/wp-content/uploads/open-banking-report-150719.pdf, (29.09.2019).
  • Omarini, A. E., (2018). Banks and Fintechs: How to Develop a Digital Open Banking Approach for the Bank’s Future. International Business Research, 11(9), 23-36.
  • Open Banking Project Customer Case Study: HSBC Addresses Current And Future Banking Challenges Using Open Bank Project, 2019, https://www.openbankproject.com/wp-content/uploads/2019/05/Case-Study-Openlab-@HSBC.pdf, (04.10.2019).
  • ÖDED, (2016). Yeni Ödeme Hizmetleri Direktifi – 2. https://oded2016.files.wordpress.com/2017/12/oded_avrupa_birligi_odeme_hizmetleri_direktifi_2.pdf, (07.09.2019).
  • Programmableweb, https://www.programmableweb.com/category-api, (16.09.2019).
  • PWC, (2017). Waiting Until the Eleventh Hour. European Banks Reaction to PSD2. https://www.pwc.com/gx/en/financial-services/assets/pdf/waiting-until-the-eleventh-hour.pdf, (09.09.2019).
  • PWC, (2018). The Future of Banking is Open How to Seize the Open Banking Opportunity. https://retailbankinginnovation.fintecnet.com/uploads/2/4/3/8/24384857/the_future_of_banking_is_open.pdf, (29.09.2019).
  • Sivathanu, B., (2019). An Empirical Study on the Intention to Use Open Banking in India. Information Resources Management Journal (IRMJ), 32(3), 27-47.
  • Sümer, G., (2016). Türk Bankacılık Sektörünün Tarihsel Gelişimi ve AB Bankacılık Sektörü İle Karşılaştırılması. Gazi Üniversitesi İktisadi ve İdari Bilimler Dergisi, 18(2), 485-508.
  • Türk Dil Kurumu Sözlük, http://sozluk.gov.tr, (25.09.2019).
  • UK Open Banking Group, (2017). Open Banking Standards, https://www.paymentsforum.uk/sites/default/files/documents/Background%20Document%20No.%202%20-%20The%20Open%20Banking%20Standard%20-%20Full%20Report.pdf, (02.10.2019).
  • Vakıfbank API Market, https://apiportalprep.vakifbank.com.tr, (15.09.2019).
  • Vives, X., (2017). The impact of FinTech on Banking. European Economy, 2, 97-105.
  • Yapıkredi Bank API Market, https://apiportal.yapikredi.com.tr, (15.09.2019).
  • Yetiz, F., (2016). Bankacılığın Doğuşu ve Türk Bankacılık Sistemi. Niğde Üniversitesi İktisadi ve İdari Bilimler Dergisi, 9(2), 107-117.
  • Zachariadis, M. & Özcan, P., (2017). The API Economy and Digital Transformation in Financial Services: The case of Open Banking. Swıft Instıtute Workıng Paper. https://www.researchgate.net/profile/Pinar_Ozcan/publication/317999505_The_API_Economy_and_Digital_Transformation_in_Financial_Services_The_Case_of_Open_Banking/links/5b36028a0f7e9b0df5d89790/The-API-Economy-and-Digital-Transformation-in-Financial-Services-The-Case-of-Open-Banking.pdf, (28.09.2019).
There are 49 citations in total.

Details

Primary Language Turkish
Journal Section Articles
Authors

Bertaç Şakir Şahin 0000-0003-0414-5402

Barış Cihan Cantürk 0000-0002-3575-3470

Publication Date October 1, 2020
Submission Date October 24, 2019
Published in Issue Year 2020

Cite

APA Şahin, B. Ş., & Cantürk, B. C. (2020). Türkiye’deki Hukuki Altyapı ve Ödeme Hizmetleri Yönergesi 2 Bağlamında API Teknolojisi ve Açık Bankacılık. Maliye Ve Finans Yazıları(114), 149-148. https://doi.org/10.33203/mfy.637661

Dergi özellikle maliye, finans ve bankacılık alanlarında faaliyet göstermektedir.