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Türk Bankacılık Sektörünün FinTek’ler Karşısında A’WOT Analizi

Year 2020, Issue: 113, 207 - 238, 23.04.2020
https://doi.org/10.33203/mfy.614130

Abstract

Bu çalışmanın amacı Türk Bankacılık Sektörünün Finansal Teknoloji
Şirketleri (FinTek’ler) kaşısındaki durumunu A’WOT yöntemi ile analiz etmek ve Türk
bankalarına FinTek’ler karşısında uygulayabileceği strateji önerilerinde
bulunmaktır. Bu doğrultuda Türk Bankacılık Sektörü’nün
FinTek’ler
karşısında SWOT analizi yapılarak, A’WOT yönteminde ihtiyaç duyulan hiyerarşik
yapı oluşturulmuştur. Bu sayede,
Türk
Bankacılık Sektörünün

FinTek’ler karşısındaki güçlü ve zayıf yönleri tespit edilmiş,
FinTek’lerin Türk Bankacılık Sektörü
için yarattığı tehditler ve fırsatlar ortaya konulmuştur. Konunun uzmanları ile
yapılan anketlerden elde edilen bulgular doğrultusunda
Türk bankalarının FinTek’leri bir fırsat olarak gördüğü sonucuna ulaşılmış
ve Türk Bankacılık Sektörüne FinTek’ler karşısında uygulayabileceği strateji
önerilerinde bulunulmuştur.

References

  • Accenture. (2017). Getting Fit: Aggressive Cost Reduction. https://www.accenture.com/_acnmedia/accenture/designlogic/16-3360/documents/accenture-2017-top-10-challenges-02-cost-reduction.pdf. Erişim Tarihi: 01.05.2019,1-6.
  • Akkizidis, I., Stagars, M. (2016). Marketplace Lending, Financial Analysis, and the Future of Credit: Integration, Profitability, and Risk Management. The Wiley Finance Series, 2.
  • Akkoyun, B. (2016). Çalışanların Teknoloji Yönetimi Algılarının Demokrafik Değişkenlere Göre Farklılaşması Üzerine Bir Araştırma. Elektronik Sosyal Bilimler Dergisi, 15(56), 70-82.
  • Albayrak, Y.E., Erkut, H. (2005). Banka Performans Değerlendirmede Analitik Hiyerarşi Süreç Yaklaşımı. İTÜ dergisi/d mühendislik, 4(6), 47-58
  • Arner, D. W., Barberis, J., Buckley, R.P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? University of Hong Kong Faculty of Law. 1-14.
  • Baidhowi, B. (2018), Sharia Banking Opportunities and Challenges in the Digital Era. Advances in Social Science, Education and Humanities Research, 192, 157-161.
  • Bank of America. (Ağustos, 2017). BofA Merrill Brings Artificial Intelligence to Accounts Receivables. https://newsroom.bankofamerica.com/press-releases/commercial-and-middle-market-banking/bofa-merrill-brings-artificial-intelligence Erişim Tarihi:16.12.2018.
  • Bayrakdaroğlu, A., Ege, İ. (2008, 8-9 Mayıs). Türkiye’deki Bankaların Performansının Analitik Hiyerarşi Süreci İle Değerlendirilmesi Üzerine Bir Model Önerisi. Türkiye İstatistik Kurumu 17. İstatistik Araştırma Sempozyumu, 32-49.
  • BDDK. (Haziran, 2013). Ödeme ve Menkul Kıymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluşları Hakkında Kanuna İlişkin Düzenlemeler. https://www.bddk.org.tr/Mevzuat-Kategori/Odeme-ve-Menkul-Kiymet-Mutabakat-Sistemleri-Odeme-Hizmetleri-ve-Elektronik-Para-Kuruluslari-Hakkinda-Kanuna-Iliskin-Duzenlemeler/5, Erişim Tarihi: 16.12.2018.
  • BDDK. (Kasım, 2013). Bitcoin Hakkında Basın Açıklaması. https://www.bddk.org.tr/ContentBddk/dokuman/duyuru_0512_01.pdf. Erişim Tarihi: 16.12.2018.
  • BDDK. (Aralık, 2018). Türk Bankacılık Sektörü Temel Göstergeleri. Bankacılık Düzenleme ve Denetleme Kurumu (BDDK). http://www.bddk.org.tr/ContentBddk/dokuman/haber_0038_01.pdf. Erişim Tarihi: 03.04.2019.
  • Brandenburger, A.M., Nalebuff B. J. (1998). Oyun Teorisi ve Ortaklaşa Rekabet. İstanbul: Scala Yayıncılık.
  • Carey, S. (2018). HSBC looks to ramp up machine learning usage with Google Cloud. from Computer World UK: https://www.computerworlduk.com/cloud-computing/hsbc-looks-ramp-up-machine-learning-usage-with-google-cloud-3681316/, Erişim Tarihi: 23.12.2018.
  • Cheng, E.W.L., Lee, H. (2002). Construction partnering process and associated critical success factors. Journal of Management in Engineering, 194-202.
  • Çetin, A.C., Bıtırak, İ. A. (2010). Banka Karlılık Performansının Analitik Hiyerarşi Süreci İle Değerlendirilmesi: Ticari Bankalar İle Katılım Bankalarında Bir Uygulama. Alanya İşletme Fakültesi Dergisi, 2(2), 75-92.
  • Çetin, M.K., Çetin, E. İ. (2010). Multi-Criteria Analysis of Banks’ Performances. International Journal of Economics and Finance Studies, 2(2), 73-78.
  • Deloitte. (2017). Türkiye FinTech Ekosistemi. https://www2.deloitte.com/, Erişim Tarihi: 28.02.2018. 1-12.
  • Demirdöğen, Y. (2019). FinTek Ekosistemi için Gerekli Düzenlemeler (REGTEK). Vizyoner Dergisi, 10(24), 311-321.
  • Demirel, Y., Keskin, N., Baş, T., Yıldız, G. (2013). Departmanlar Arası Ortaklaşa Rekabet Stratejisinin İnovasyon ve İnovasyonun Algılanan İşletme Performansı Üzerindeki Etkisi: Bir Kamu Bankasında Uygulama. İşletme Bilimi Dergisi , 1(1), 71-87.
  • Digital Banking Trends. (2018). Taking Your Compliance Program to the Next Level with Intelligent Automation: Results from the 2018 Financial Services Industry Survey. Digital Banking Trends. https://www.kofax.com/-/media/Files/Reports/EN/DigitalTrends_AI_ebook_r8sm.pdf, Erişim Tarihi: 01.03.2019. 16-17
  • Duke, J.M., Hyde, R. A. (2002). Identifying public preference for land preservation using the analytic hierarchy process. Ecological Economics, 42(1-2), 131-145.
  • EnableSoft. (2018). Case Study. https://info.enablesoft.com/cbs-bank-case-study, Erişim Tarihi: 02.02.2018.
  • Juengerkes, B. E. (2016). FinTech and Banks – Collaboration is Key. S. C. Barberis içinde, The FinTech Book (s. 328-334). John Wiley & Sons Ltd.
  • Hardie, S., Wood, J., & Gee, D. (2016). 2017 Fintech Disruptors Report. MagnaCarta Communications, 1-27.
  • Hogan, K.M., Olson, G., Rahmlow, H. (2000), A Model for the Prediction of Corporate Bankruptcy Using the Analytic Hierarchy Process, Multi-Criteria Applications, 10, 85-102.
  • KPMG. (2018). Küresel FinTek Araştırması 2018. KPMG Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik A.Ş.
  • Kurttila, M., Pesonen, M., Kangas, J., & Kajanus, M. (2000). Utilizing the analytic hierarchy process AHP in SWOT analysis a hybrid method and its application to a forest-certification case. Forest Policy and Economics, 41-52.
  • Lee, I., Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35-46.
  • Lee, S., Walsh, P. (2011). SWOT and AHP hybrid model for sport marketing outsourcing using a case of intercollegiate sport. Sport Management Review, 14, 361-369.Manatt. (2016). Growing Together: Collaboration Between Regional and Community Banks and Fintech. Manatt, Phelps & Phillips, LLP, 1-36.
  • Marginingsih, R. (2019). Analisis SWOT Technology Financial (FinTech) Terhadap Industri Perbankan. Jurnal Humaniora dan Sosial, 19 (1), 55-60.
  • Marous, J. (2015). Banking and Fintech: An Uncommon Partnership. https://thefinancialbrand.com/55543/partnership-competition-fintech-banking-disruption/, Erişim Tarihi: 26.06.2019.
  • Marous, J. (2016). Banking vs. Fintech: A Business Case for ‘Coopetition’, https://thefinancialbrand.com/57121/banking-fintech-digital-partnership-success-strategy/, Erişim Tarihi: 26.06.2019.
  • McKinsey & Company. (2016). A Brave New World for Global Banking: McKinsey Global Banking Annual Review 2016,1-60.
  • Menat, R. (2016). Why We’re so Excited About FinTech. In S. C. Barberis, The FinTech Book (pp. 46-51). United Kingdom: John Wiley & Sons Ltd.
  • Merriam-Webster. (2018). Fintech-Definition, https://www.merriam-webster.com/dictionary/fintech, Erişim Tarihi: 13.01.2019.
  • Ng, A.W., Kwok, B.K.B. (2017). Emergence of Fintech and cybersecurity in a global financial center. Journal of Financial Regulation and Compliance, 25(4), 422-434.
  • Nicoletti, B. (2017). The Future of FinTech: Integrating Finance and Technology in Financial Services. Palgrave Macmillan, 180-182.
  • OECD. (2016). Science, Technology and Innovation Outlook, Paris: OECD, 23-70
  • Pollari, I. (2016). The rise of Fintech opportunities and challenges. JASSA Financial Services Institute of Australasia, 3, 15-21.
  • Puschmann, T. (2017). Digitization of the Financial Services Industry. Business & Information Systems Engineering, 59(1), 69-76.
  • PwC. (2016). Blurred Lines: How Fintech is Shaping Financial Services-Global Fintech Report 2016, 1-35.
  • PwC. (2017). Redrawing the lines: FinTech’s growing influence on Financial Services-Global Fintech Report 2017, 9-10
  • Saaty, T. L. (1977). A scaling method for priorities in hierarchical structures. Journal of Mathematical Psychology, 15(3), 234-281.
  • Saaty, T. L. (1980). The Analytical Hierarchy Process: Planning, Priority Setting and Resource Allocation. New York: McGraw-Hill.
  • Saaty, T. L. (2000). The Analytic Hierarchy and Analytic Network Processes. MCDM XV-th International Conference, (pp. 1-5). Ankara, Turkey.
  • Sestek. (2018). Başarı Öyküleri. https://www.sestek.com/tr/basari-oykuleri/. Erişim Tarihi: 05.01.2019.
  • Shrestha, R.K., Alavalapati, J.R.R., & Kalmbacher, R.S. (2004). Exploring the potential for silvopasture adoption in Southcentral Florida: an application of SWOT-AHP method. Agricultural Systems, 81(3), 185-199.
  • Sironi, P. (2016). FinTech Innovation: From Robo-Advisors to Goal Based Investing and Gamification. New York, United States: John Wiley & Sons, Inc.
  • Skan, J., Dickerson, J., Masood, S. (2015). The Future of FinTech and Banking: Digitally Disrupted or Reimagined? Accenture, 1-12.
  • Sönmez, R. (2016). İşbirlikçi Rekabet Ağı İçerisinde Firmaların Rekabetçi Davranışları. Marmara Sosyal Araştırmalar Dergisi, 10, 1-23.
  • SPK. (2017, 11 27). SPK’dan Bitcoin açıklaması. https://www.bik.gov.tr/spkdan-bitcoin-aciklamasi/, Erişim Tarihi: 28.02.2019
  • SPK. (2019, 01 03). Kitle Fonlaması Tebliği. http://www.spk.gov.tr/Sayfa/Dosya/1292, Erişim Tarihi: 03.01.2019
  • Startups.watch. (2019). Türkiye Girişim Ekosistemi 2018/2019. https://startups-watch/, Erişim Tarihi: 28.02.2019, 1-21
  • TCMB. (Kasım 2016). Finansal İstikrar Raporu. Sayı 23. 9-10
  • Temelkov, Z. (2018). Fintech Firms Opportunity Or Threat For Banks?. International Journal of Information, Business and Management, 10(1), 137-143.
  • The Economist Intelligence Unit. (2015). The disruption of banking. The Economist Intelligence Unit, 4-12.
  • TBB. (2018). Dijital, İnternet ve Mobil Bankacılık İstatistikleri. Türkiye BankalarBirliği, 1-27.
  • Topal, H. (2012). BASEL II Düzenlemeleri'nin Türk ve AB Bankacılık Sektörü'ne Etkileri, Doktora Tezi. Anadolu Üniversitesi, 200-214
  • Usta, A. (2018). FinTech Alanında Yıkıcı ve Sürdürülebilir Yenilikçiliğin Rekabeti: Geleneksel Yapılar için Tespitler ve Tavsiyeler. BKM,19.
  • Ülengin F. ve Ülengin, B. (1994), Forecasting Foreign Exchange Rates: A Comparative Evaluation of AHP, Omega, International Journal of Management Science, 22(5), 78-97.
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  • Yağcı, M. (2018). Yükselen Finansal Teknolojilerin Ekonomi Politiği: Fintek ve Bitcoin Örnekleri. İktisat ve Toplum, 17-24.
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A’WOT Analysis of Turkish Banking Sector Against FinTechs

Year 2020, Issue: 113, 207 - 238, 23.04.2020
https://doi.org/10.33203/mfy.614130

Abstract

This study aims to analyze the situation of the Turkish Banking Sector against FinTechs with the A’WOT method and to make strategy recommendations to the Turkish banks against FinTechs. In this respect, SWOT analysis of the Turkish Banking Sector against FinTechs was studied and the hierarchical structure needed in A’WOT method is formed. In this way, the strengths and weaknesses of the Turkish Banking Sector against FinTechs were identified and threats and opportunities created by the FinTechs for the Turkish Banking Sector were revealed. According to the findings obtained from the surveys conducted with the experts of the subject, it is concluded that Turkish banks see FinTeks as an opportunity. According to this result, strategy suggestions were made to the Turkish Banking Sector.

References

  • Accenture. (2017). Getting Fit: Aggressive Cost Reduction. https://www.accenture.com/_acnmedia/accenture/designlogic/16-3360/documents/accenture-2017-top-10-challenges-02-cost-reduction.pdf. Erişim Tarihi: 01.05.2019,1-6.
  • Akkizidis, I., Stagars, M. (2016). Marketplace Lending, Financial Analysis, and the Future of Credit: Integration, Profitability, and Risk Management. The Wiley Finance Series, 2.
  • Akkoyun, B. (2016). Çalışanların Teknoloji Yönetimi Algılarının Demokrafik Değişkenlere Göre Farklılaşması Üzerine Bir Araştırma. Elektronik Sosyal Bilimler Dergisi, 15(56), 70-82.
  • Albayrak, Y.E., Erkut, H. (2005). Banka Performans Değerlendirmede Analitik Hiyerarşi Süreç Yaklaşımı. İTÜ dergisi/d mühendislik, 4(6), 47-58
  • Arner, D. W., Barberis, J., Buckley, R.P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? University of Hong Kong Faculty of Law. 1-14.
  • Baidhowi, B. (2018), Sharia Banking Opportunities and Challenges in the Digital Era. Advances in Social Science, Education and Humanities Research, 192, 157-161.
  • Bank of America. (Ağustos, 2017). BofA Merrill Brings Artificial Intelligence to Accounts Receivables. https://newsroom.bankofamerica.com/press-releases/commercial-and-middle-market-banking/bofa-merrill-brings-artificial-intelligence Erişim Tarihi:16.12.2018.
  • Bayrakdaroğlu, A., Ege, İ. (2008, 8-9 Mayıs). Türkiye’deki Bankaların Performansının Analitik Hiyerarşi Süreci İle Değerlendirilmesi Üzerine Bir Model Önerisi. Türkiye İstatistik Kurumu 17. İstatistik Araştırma Sempozyumu, 32-49.
  • BDDK. (Haziran, 2013). Ödeme ve Menkul Kıymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluşları Hakkında Kanuna İlişkin Düzenlemeler. https://www.bddk.org.tr/Mevzuat-Kategori/Odeme-ve-Menkul-Kiymet-Mutabakat-Sistemleri-Odeme-Hizmetleri-ve-Elektronik-Para-Kuruluslari-Hakkinda-Kanuna-Iliskin-Duzenlemeler/5, Erişim Tarihi: 16.12.2018.
  • BDDK. (Kasım, 2013). Bitcoin Hakkında Basın Açıklaması. https://www.bddk.org.tr/ContentBddk/dokuman/duyuru_0512_01.pdf. Erişim Tarihi: 16.12.2018.
  • BDDK. (Aralık, 2018). Türk Bankacılık Sektörü Temel Göstergeleri. Bankacılık Düzenleme ve Denetleme Kurumu (BDDK). http://www.bddk.org.tr/ContentBddk/dokuman/haber_0038_01.pdf. Erişim Tarihi: 03.04.2019.
  • Brandenburger, A.M., Nalebuff B. J. (1998). Oyun Teorisi ve Ortaklaşa Rekabet. İstanbul: Scala Yayıncılık.
  • Carey, S. (2018). HSBC looks to ramp up machine learning usage with Google Cloud. from Computer World UK: https://www.computerworlduk.com/cloud-computing/hsbc-looks-ramp-up-machine-learning-usage-with-google-cloud-3681316/, Erişim Tarihi: 23.12.2018.
  • Cheng, E.W.L., Lee, H. (2002). Construction partnering process and associated critical success factors. Journal of Management in Engineering, 194-202.
  • Çetin, A.C., Bıtırak, İ. A. (2010). Banka Karlılık Performansının Analitik Hiyerarşi Süreci İle Değerlendirilmesi: Ticari Bankalar İle Katılım Bankalarında Bir Uygulama. Alanya İşletme Fakültesi Dergisi, 2(2), 75-92.
  • Çetin, M.K., Çetin, E. İ. (2010). Multi-Criteria Analysis of Banks’ Performances. International Journal of Economics and Finance Studies, 2(2), 73-78.
  • Deloitte. (2017). Türkiye FinTech Ekosistemi. https://www2.deloitte.com/, Erişim Tarihi: 28.02.2018. 1-12.
  • Demirdöğen, Y. (2019). FinTek Ekosistemi için Gerekli Düzenlemeler (REGTEK). Vizyoner Dergisi, 10(24), 311-321.
  • Demirel, Y., Keskin, N., Baş, T., Yıldız, G. (2013). Departmanlar Arası Ortaklaşa Rekabet Stratejisinin İnovasyon ve İnovasyonun Algılanan İşletme Performansı Üzerindeki Etkisi: Bir Kamu Bankasında Uygulama. İşletme Bilimi Dergisi , 1(1), 71-87.
  • Digital Banking Trends. (2018). Taking Your Compliance Program to the Next Level with Intelligent Automation: Results from the 2018 Financial Services Industry Survey. Digital Banking Trends. https://www.kofax.com/-/media/Files/Reports/EN/DigitalTrends_AI_ebook_r8sm.pdf, Erişim Tarihi: 01.03.2019. 16-17
  • Duke, J.M., Hyde, R. A. (2002). Identifying public preference for land preservation using the analytic hierarchy process. Ecological Economics, 42(1-2), 131-145.
  • EnableSoft. (2018). Case Study. https://info.enablesoft.com/cbs-bank-case-study, Erişim Tarihi: 02.02.2018.
  • Juengerkes, B. E. (2016). FinTech and Banks – Collaboration is Key. S. C. Barberis içinde, The FinTech Book (s. 328-334). John Wiley & Sons Ltd.
  • Hardie, S., Wood, J., & Gee, D. (2016). 2017 Fintech Disruptors Report. MagnaCarta Communications, 1-27.
  • Hogan, K.M., Olson, G., Rahmlow, H. (2000), A Model for the Prediction of Corporate Bankruptcy Using the Analytic Hierarchy Process, Multi-Criteria Applications, 10, 85-102.
  • KPMG. (2018). Küresel FinTek Araştırması 2018. KPMG Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik A.Ş.
  • Kurttila, M., Pesonen, M., Kangas, J., & Kajanus, M. (2000). Utilizing the analytic hierarchy process AHP in SWOT analysis a hybrid method and its application to a forest-certification case. Forest Policy and Economics, 41-52.
  • Lee, I., Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35-46.
  • Lee, S., Walsh, P. (2011). SWOT and AHP hybrid model for sport marketing outsourcing using a case of intercollegiate sport. Sport Management Review, 14, 361-369.Manatt. (2016). Growing Together: Collaboration Between Regional and Community Banks and Fintech. Manatt, Phelps & Phillips, LLP, 1-36.
  • Marginingsih, R. (2019). Analisis SWOT Technology Financial (FinTech) Terhadap Industri Perbankan. Jurnal Humaniora dan Sosial, 19 (1), 55-60.
  • Marous, J. (2015). Banking and Fintech: An Uncommon Partnership. https://thefinancialbrand.com/55543/partnership-competition-fintech-banking-disruption/, Erişim Tarihi: 26.06.2019.
  • Marous, J. (2016). Banking vs. Fintech: A Business Case for ‘Coopetition’, https://thefinancialbrand.com/57121/banking-fintech-digital-partnership-success-strategy/, Erişim Tarihi: 26.06.2019.
  • McKinsey & Company. (2016). A Brave New World for Global Banking: McKinsey Global Banking Annual Review 2016,1-60.
  • Menat, R. (2016). Why We’re so Excited About FinTech. In S. C. Barberis, The FinTech Book (pp. 46-51). United Kingdom: John Wiley & Sons Ltd.
  • Merriam-Webster. (2018). Fintech-Definition, https://www.merriam-webster.com/dictionary/fintech, Erişim Tarihi: 13.01.2019.
  • Ng, A.W., Kwok, B.K.B. (2017). Emergence of Fintech and cybersecurity in a global financial center. Journal of Financial Regulation and Compliance, 25(4), 422-434.
  • Nicoletti, B. (2017). The Future of FinTech: Integrating Finance and Technology in Financial Services. Palgrave Macmillan, 180-182.
  • OECD. (2016). Science, Technology and Innovation Outlook, Paris: OECD, 23-70
  • Pollari, I. (2016). The rise of Fintech opportunities and challenges. JASSA Financial Services Institute of Australasia, 3, 15-21.
  • Puschmann, T. (2017). Digitization of the Financial Services Industry. Business & Information Systems Engineering, 59(1), 69-76.
  • PwC. (2016). Blurred Lines: How Fintech is Shaping Financial Services-Global Fintech Report 2016, 1-35.
  • PwC. (2017). Redrawing the lines: FinTech’s growing influence on Financial Services-Global Fintech Report 2017, 9-10
  • Saaty, T. L. (1977). A scaling method for priorities in hierarchical structures. Journal of Mathematical Psychology, 15(3), 234-281.
  • Saaty, T. L. (1980). The Analytical Hierarchy Process: Planning, Priority Setting and Resource Allocation. New York: McGraw-Hill.
  • Saaty, T. L. (2000). The Analytic Hierarchy and Analytic Network Processes. MCDM XV-th International Conference, (pp. 1-5). Ankara, Turkey.
  • Sestek. (2018). Başarı Öyküleri. https://www.sestek.com/tr/basari-oykuleri/. Erişim Tarihi: 05.01.2019.
  • Shrestha, R.K., Alavalapati, J.R.R., & Kalmbacher, R.S. (2004). Exploring the potential for silvopasture adoption in Southcentral Florida: an application of SWOT-AHP method. Agricultural Systems, 81(3), 185-199.
  • Sironi, P. (2016). FinTech Innovation: From Robo-Advisors to Goal Based Investing and Gamification. New York, United States: John Wiley & Sons, Inc.
  • Skan, J., Dickerson, J., Masood, S. (2015). The Future of FinTech and Banking: Digitally Disrupted or Reimagined? Accenture, 1-12.
  • Sönmez, R. (2016). İşbirlikçi Rekabet Ağı İçerisinde Firmaların Rekabetçi Davranışları. Marmara Sosyal Araştırmalar Dergisi, 10, 1-23.
  • SPK. (2017, 11 27). SPK’dan Bitcoin açıklaması. https://www.bik.gov.tr/spkdan-bitcoin-aciklamasi/, Erişim Tarihi: 28.02.2019
  • SPK. (2019, 01 03). Kitle Fonlaması Tebliği. http://www.spk.gov.tr/Sayfa/Dosya/1292, Erişim Tarihi: 03.01.2019
  • Startups.watch. (2019). Türkiye Girişim Ekosistemi 2018/2019. https://startups-watch/, Erişim Tarihi: 28.02.2019, 1-21
  • TCMB. (Kasım 2016). Finansal İstikrar Raporu. Sayı 23. 9-10
  • Temelkov, Z. (2018). Fintech Firms Opportunity Or Threat For Banks?. International Journal of Information, Business and Management, 10(1), 137-143.
  • The Economist Intelligence Unit. (2015). The disruption of banking. The Economist Intelligence Unit, 4-12.
  • TBB. (2018). Dijital, İnternet ve Mobil Bankacılık İstatistikleri. Türkiye BankalarBirliği, 1-27.
  • Topal, H. (2012). BASEL II Düzenlemeleri'nin Türk ve AB Bankacılık Sektörü'ne Etkileri, Doktora Tezi. Anadolu Üniversitesi, 200-214
  • Usta, A. (2018). FinTech Alanında Yıkıcı ve Sürdürülebilir Yenilikçiliğin Rekabeti: Geleneksel Yapılar için Tespitler ve Tavsiyeler. BKM,19.
  • Ülengin F. ve Ülengin, B. (1994), Forecasting Foreign Exchange Rates: A Comparative Evaluation of AHP, Omega, International Journal of Management Science, 22(5), 78-97.
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There are 64 citations in total.

Details

Primary Language Turkish
Journal Section Articles
Authors

Gülcan Çağıl 0000-0003-2632-7856

Gozde Candemır 0000-0002-4498-1694

Publication Date April 23, 2020
Submission Date September 2, 2019
Published in Issue Year 2020 Issue: 113

Cite

APA Çağıl, G., & Candemır, G. (2020). Türk Bankacılık Sektörünün FinTek’ler Karşısında A’WOT Analizi. Maliye Ve Finans Yazıları(113), 207-238. https://doi.org/10.33203/mfy.614130
  • The journal specializes in especially in all the fields of finance and banking.