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FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER

Year 2020, Volume: 2 Issue: Özel Sayı, 43 - 55, 28.10.2020

Abstract

Finansal teknolojiler (fintek) 1800’lü yıllardan itibaren başlasa da 2008 krizinden sonra büyük bir ivme yakalamıştır. Global krizin ardından çeşitlenerek ve büyüyerek gelişen fintek ekosistemi henüz başlangıç aşamasında sayılsa da finans dünyasını derinden etkilemiştir. Finansal aktörler artık yeni ve etkin rakiplerle karşı karşıyadır.
Fintek ekosistemini ortaya çıkaran sebepler olarak sosyal, ekonomik, regülasyon ve teknolojik gelişmeler belirlenmiştir. Bu çalışmada, belirtilen sebeplerin ortaya çıkışı ve finansal piyasalara – özellikle bankalara – etkileri açıklanmıştır. Finans sektörü fintek girişimleriyle yeniden şekillenmektedir. Finansal aktörler bu şirketlerle işbirliğine giderek ürün yelpazesini genişletmek ve kapsayıcı olmak durumundadır. Çalışmanın merkezinde 2008 krizine bağlı olarak oluşan durumlar ve finteklerin gelişimi konu edilmektedir.
Fintekler sebeplerin bir sonucu olarak görülebilir. Sınırların kalmadığı dünyada her bir fintek girişimi başka bir ülkede büyük oyuncu olabilir. Türkiye gibi gelişmekte olan ülkeler uluslararası finans oyuncularının etkilerinden kurtulmak için kendi fintek ekosistemini geliştirmek durumundadır. Bu sebeple girişimlerin önünü açacak regülasyonların yapılması önemlidir.

References

  • Adinarayana P. J., Babu B. K. (2019) The Role of Shaping Fin-Tech Services: Social Media Marketing, International Journal of Innovative Technology and Exploring Engineering (IJITEE) ISSN: 2278-3075, Volume-8 Issue-10 August, 2019.m p.no. 1720-1723
  • Alt, R., Beck, R. & Smits, M.T. FinTech and the transformation of the financial industry. Electron Markets 28, 235–243 (2018). https://doi.org/10.1007/s12525-018-0310-9
  • Anikina, I. D., Gukova, A. V., Golodova, A. A., & Chekalkina, A. A. (2016). Methodological Aspects of Prioritization of Financial Tools for Stimulation of Innovative Activities. European Research Studies Journal, 19(2), 100-112.
  • Anne-Laure Mention (2019). “ The Future of Fintech”, Research-Technology Management, 62:4, 59-63, DOI: 10.1080/08956308.2019.1613123
  • Apostolik, R., Donohue, C., & Went, P. (2009). Foundations of banking risk: an overview of banking, banking risks, and risk-based banking regulation (Vol. 507). John Wiley & Sons Incorporated.
  • Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech, RegTech and the reconceptualisation of financial regulation. Northwestern Journal of International Law and Business, 37(3), 371–413.
  • Bank Negara Malaysia (2016). Financial Technology Regulatory Sandbox Framework, 18 October 2016 https://www.bnm.gov.my/index.php?ch=57&pg=137&ac=533&bb=file
  • Bates, R. (2017). Banking on the future: an exploration of fintech and the consumer interest. A Report for Consumers International.
  • BDDK, (2010), Sorularla Basel III, Risk Yönetimi Dairesi, Aralık. http://www.bddk.org.tr/WebSitesi/turkce/Basel/8742sorularla_ basel_iii_29_11_2010_.pdf (06.06.2015).
  • Bömer, M. & Maxin, H. (2018). Why Fintechs Cooperate with Banks—Evidence from Germany, 107 (4), 359–386, https://doi.org/10.1007/s12297-018-0421-6
  • Bulut, E. (2019). Fıntech: A Conceptual Framework/Fintek: Kavramsal Bir Çerçeve. Researches in Economics Econometrics & Finance, 213-235.
  • Capgemini, (2018). World Fintech Report 2018. https://www.capgemini.com/wp-content/ uploads/2018/02/world-fintech-report-wftr-2018.pdf. Erişim Tarihi:16.06.2020.
  • CB Insights (2019b). Where Top US Banks Are Betting On Fintech. https://www.cbinsights.com/research/fintech-investments-top-us-banks/.4 Erişim Tarihi:02.08.2020
  • CBInsights (2019). Global Fintech Report Q3 2019. https://www.cbinsights.com/research/report/fintech-trends-q3-2019/. Deloitte (2019). Total Value of Fintech Investments Worldwide from 2008 to 2020 (in billion U.S. Dollars), https://www.statista.com/statistics/502378/value-of-fintech-investments-globally/ , Erişim tarihi: 01.08.2020
  • Dinçer A. (2006). Bankacılık Sektöründe Konsolidasyon, Ülke Deneyimleri ve Türkiye İçin Öneriler. DPT Uzmanlık Tezi, Yıllık Programlar ve Konjonktür Değerlendirme Genel Müdürlüğü, Ekim, Yayın No: DPT, 2697.
  • Dorfleitner, G., Hornuf, L., Schmitt, M., & Weber, M. (2017). The fintech market in Germany. In FinTech in Germany (pp. 13-46). Springer, Cham.
  • ECB European Central Bank (2017), Guide To Assessment Of Fintech Credit Institutions Licence Applications. https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssm.201803_guide_assessment_fintech_credit_inst_licensing.en.pdf
  • Ernst & Young (2018). Türkiye Fintech Ekosisteminin Sürdürülebilir Gelişimi için 23 Öneri.
  • https://www.ey.com/Publication/vwLUAssets/Fintech_Donusumu_Raporu/%24FILE/EY_Turkiye_Fintech_Donusumu_raporu.pdf Erişim Tarihi:03.08.2020
  • Finextra (2018). Fintech Startups Told To Follow The Money Or Crash And Burn https://www.finextra.com/newsarticle/32391/fintech-startups-told-to-follow-the-money-or-crash-and-burn Erişim tarihi: 01.08.2020
  • Gai, K., Qiu, M., & Sun, X. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262-273.
  • Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87(5), 537-580.
  • Haddad, C., & Hornuf, L. (2019). The emergence of the global fintech market: Economic and technological determinants. Small Business Economics, 53(1), 81-105.
  • https://fintechistanbul.org/wp-content/uploads/2020/01/Fintech_Ecosystem_Map_v5.5.pdf
  • https://www.a3haber.com/2020/04/16/ozel-bankalar-kamu-bankalarindan-daha-az-kredi-verdi/ Erişim tarihi: 02.08.2020
  • https://www.dunya.com/kose-yazisi/parasal-genisleme/17659
  • https://www.fca.org.uk/firms/innovation/regulatory-sandbox
  • https://www.mas.gov.sg/news/media-releases/2016/mas-issues-regulatory-sandbox-guidelines-for-fintech-experiments
  • https://www.postonline.co.uk/asia/3494476/top-100-insurtech-firms-2018
  • KPMG (2018). “2018 Fintech100 Report: Leading Global Fintech Innovators,” H2 Ventures and KPMG Fintech https://h2.vc/wp-content/uploads/2018/11/Fintech100-2018-Report_Final_22-11-18sm.pdf Erişim tarihi: 15.06.2020
  • Morgan, S. (2015). Cybersecurity market reaches $75 billion in 2015; Expected to reach $170 billion by 2020. Forbes, December, 20.
  • Palmié, M., Wincent, J., Parida, V., & Caglar, U. (2020). The evolution of the financial technology ecosystem: An introduction and agenda for future research on disruptive innovations in ecosystems. Technological Forecasting and Social Change, 151, 119779.
  • Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59, 69–76.
  • Resmi Gazete (27.06.2013). Ödeme ve Menkul Kıymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluşları Hakkında Kanun, Kanun No: 6493. Kabul Tarihi: 20/06/2013.
  • Saksonova, S., & Kuzmina-Merlino, I. (2017). Fintech as financial innovation–The possibilities and problems of implementation. European Research Studies Journal, 3A, 961-973
  • Seo, B. G.(2017). China's Fintech Industry Growth and Deregulation, Policy Research. 2016-27, Seoul: Korea Economic Research Institute.
  • Singh, S., & Komal, M. (2009). Impact of ATM on customer satisfaction (A comparative study of SBI, ICICI & HDFC bank). Business intelligence journal, 2(2), 276-287. Statista Research Department (2019). Fintech Report 2019 Statista Digital Market Outlook – Market Report, May.
  • Süzen E. (2017). Kurumsal Sosyal Sorumluluk Uygulamalarının Kurumlara Olan Katkıları Üzerine bir Uygulama, International Journal of Academic Value Studies, Vol:3 Issue: 15, pp. 261-269.
  • Taşpınar, G. (2013), Basel III Kriterleri ve Türk Bankacılık Sistemine Etkileri. http://gokhantaspinar.com/index. php/tr/makalelerim/113-basel-iii-kriterleri-ve-turk-bankaciliksistemine-etkileri Erişim tarihi: 02.08.2020
  • Thakor, A. V. (2020). Fintech and banking: What do we know?. Journal of Financial Intermediation, 41, 100833.
  • Werth, O., Rodríguez Cardona, D., Nowatschin, J., Werner, M., Guhr, N., & Breitner, M. H. (2019). Challenges of the Financial Industry-An Analysis of Critical Success Factors for FinTechs.
  • Yıldırım, O. (2015). Türk Bankacılık Sisteminde Basel Kriterleri*/Basel Criteria in the Turkish Banking System. Finans Politik & Ekonomik Yorumlar, 52(609), 9.
Year 2020, Volume: 2 Issue: Özel Sayı, 43 - 55, 28.10.2020

Abstract

References

  • Adinarayana P. J., Babu B. K. (2019) The Role of Shaping Fin-Tech Services: Social Media Marketing, International Journal of Innovative Technology and Exploring Engineering (IJITEE) ISSN: 2278-3075, Volume-8 Issue-10 August, 2019.m p.no. 1720-1723
  • Alt, R., Beck, R. & Smits, M.T. FinTech and the transformation of the financial industry. Electron Markets 28, 235–243 (2018). https://doi.org/10.1007/s12525-018-0310-9
  • Anikina, I. D., Gukova, A. V., Golodova, A. A., & Chekalkina, A. A. (2016). Methodological Aspects of Prioritization of Financial Tools for Stimulation of Innovative Activities. European Research Studies Journal, 19(2), 100-112.
  • Anne-Laure Mention (2019). “ The Future of Fintech”, Research-Technology Management, 62:4, 59-63, DOI: 10.1080/08956308.2019.1613123
  • Apostolik, R., Donohue, C., & Went, P. (2009). Foundations of banking risk: an overview of banking, banking risks, and risk-based banking regulation (Vol. 507). John Wiley & Sons Incorporated.
  • Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech, RegTech and the reconceptualisation of financial regulation. Northwestern Journal of International Law and Business, 37(3), 371–413.
  • Bank Negara Malaysia (2016). Financial Technology Regulatory Sandbox Framework, 18 October 2016 https://www.bnm.gov.my/index.php?ch=57&pg=137&ac=533&bb=file
  • Bates, R. (2017). Banking on the future: an exploration of fintech and the consumer interest. A Report for Consumers International.
  • BDDK, (2010), Sorularla Basel III, Risk Yönetimi Dairesi, Aralık. http://www.bddk.org.tr/WebSitesi/turkce/Basel/8742sorularla_ basel_iii_29_11_2010_.pdf (06.06.2015).
  • Bömer, M. & Maxin, H. (2018). Why Fintechs Cooperate with Banks—Evidence from Germany, 107 (4), 359–386, https://doi.org/10.1007/s12297-018-0421-6
  • Bulut, E. (2019). Fıntech: A Conceptual Framework/Fintek: Kavramsal Bir Çerçeve. Researches in Economics Econometrics & Finance, 213-235.
  • Capgemini, (2018). World Fintech Report 2018. https://www.capgemini.com/wp-content/ uploads/2018/02/world-fintech-report-wftr-2018.pdf. Erişim Tarihi:16.06.2020.
  • CB Insights (2019b). Where Top US Banks Are Betting On Fintech. https://www.cbinsights.com/research/fintech-investments-top-us-banks/.4 Erişim Tarihi:02.08.2020
  • CBInsights (2019). Global Fintech Report Q3 2019. https://www.cbinsights.com/research/report/fintech-trends-q3-2019/. Deloitte (2019). Total Value of Fintech Investments Worldwide from 2008 to 2020 (in billion U.S. Dollars), https://www.statista.com/statistics/502378/value-of-fintech-investments-globally/ , Erişim tarihi: 01.08.2020
  • Dinçer A. (2006). Bankacılık Sektöründe Konsolidasyon, Ülke Deneyimleri ve Türkiye İçin Öneriler. DPT Uzmanlık Tezi, Yıllık Programlar ve Konjonktür Değerlendirme Genel Müdürlüğü, Ekim, Yayın No: DPT, 2697.
  • Dorfleitner, G., Hornuf, L., Schmitt, M., & Weber, M. (2017). The fintech market in Germany. In FinTech in Germany (pp. 13-46). Springer, Cham.
  • ECB European Central Bank (2017), Guide To Assessment Of Fintech Credit Institutions Licence Applications. https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssm.201803_guide_assessment_fintech_credit_inst_licensing.en.pdf
  • Ernst & Young (2018). Türkiye Fintech Ekosisteminin Sürdürülebilir Gelişimi için 23 Öneri.
  • https://www.ey.com/Publication/vwLUAssets/Fintech_Donusumu_Raporu/%24FILE/EY_Turkiye_Fintech_Donusumu_raporu.pdf Erişim Tarihi:03.08.2020
  • Finextra (2018). Fintech Startups Told To Follow The Money Or Crash And Burn https://www.finextra.com/newsarticle/32391/fintech-startups-told-to-follow-the-money-or-crash-and-burn Erişim tarihi: 01.08.2020
  • Gai, K., Qiu, M., & Sun, X. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262-273.
  • Gomber, P., Koch, J. A., & Siering, M. (2017). Digital Finance and FinTech: current research and future research directions. Journal of Business Economics, 87(5), 537-580.
  • Haddad, C., & Hornuf, L. (2019). The emergence of the global fintech market: Economic and technological determinants. Small Business Economics, 53(1), 81-105.
  • https://fintechistanbul.org/wp-content/uploads/2020/01/Fintech_Ecosystem_Map_v5.5.pdf
  • https://www.a3haber.com/2020/04/16/ozel-bankalar-kamu-bankalarindan-daha-az-kredi-verdi/ Erişim tarihi: 02.08.2020
  • https://www.dunya.com/kose-yazisi/parasal-genisleme/17659
  • https://www.fca.org.uk/firms/innovation/regulatory-sandbox
  • https://www.mas.gov.sg/news/media-releases/2016/mas-issues-regulatory-sandbox-guidelines-for-fintech-experiments
  • https://www.postonline.co.uk/asia/3494476/top-100-insurtech-firms-2018
  • KPMG (2018). “2018 Fintech100 Report: Leading Global Fintech Innovators,” H2 Ventures and KPMG Fintech https://h2.vc/wp-content/uploads/2018/11/Fintech100-2018-Report_Final_22-11-18sm.pdf Erişim tarihi: 15.06.2020
  • Morgan, S. (2015). Cybersecurity market reaches $75 billion in 2015; Expected to reach $170 billion by 2020. Forbes, December, 20.
  • Palmié, M., Wincent, J., Parida, V., & Caglar, U. (2020). The evolution of the financial technology ecosystem: An introduction and agenda for future research on disruptive innovations in ecosystems. Technological Forecasting and Social Change, 151, 119779.
  • Puschmann, T. (2017). Fintech. Business & Information Systems Engineering, 59, 69–76.
  • Resmi Gazete (27.06.2013). Ödeme ve Menkul Kıymet Mutabakat Sistemleri, Ödeme Hizmetleri ve Elektronik Para Kuruluşları Hakkında Kanun, Kanun No: 6493. Kabul Tarihi: 20/06/2013.
  • Saksonova, S., & Kuzmina-Merlino, I. (2017). Fintech as financial innovation–The possibilities and problems of implementation. European Research Studies Journal, 3A, 961-973
  • Seo, B. G.(2017). China's Fintech Industry Growth and Deregulation, Policy Research. 2016-27, Seoul: Korea Economic Research Institute.
  • Singh, S., & Komal, M. (2009). Impact of ATM on customer satisfaction (A comparative study of SBI, ICICI & HDFC bank). Business intelligence journal, 2(2), 276-287. Statista Research Department (2019). Fintech Report 2019 Statista Digital Market Outlook – Market Report, May.
  • Süzen E. (2017). Kurumsal Sosyal Sorumluluk Uygulamalarının Kurumlara Olan Katkıları Üzerine bir Uygulama, International Journal of Academic Value Studies, Vol:3 Issue: 15, pp. 261-269.
  • Taşpınar, G. (2013), Basel III Kriterleri ve Türk Bankacılık Sistemine Etkileri. http://gokhantaspinar.com/index. php/tr/makalelerim/113-basel-iii-kriterleri-ve-turk-bankaciliksistemine-etkileri Erişim tarihi: 02.08.2020
  • Thakor, A. V. (2020). Fintech and banking: What do we know?. Journal of Financial Intermediation, 41, 100833.
  • Werth, O., Rodríguez Cardona, D., Nowatschin, J., Werner, M., Guhr, N., & Breitner, M. H. (2019). Challenges of the Financial Industry-An Analysis of Critical Success Factors for FinTechs.
  • Yıldırım, O. (2015). Türk Bankacılık Sisteminde Basel Kriterleri*/Basel Criteria in the Turkish Banking System. Finans Politik & Ekonomik Yorumlar, 52(609), 9.
There are 42 citations in total.

Details

Primary Language Turkish
Subjects Finance
Journal Section Araştırma Makaleleri
Authors

Yavuz Demirdöğen

Publication Date October 28, 2020
Published in Issue Year 2020 Volume: 2 Issue: Özel Sayı

Cite

APA Demirdöğen, Y. (2020). FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER. Uygulamalı Sosyal Bilimler Ve Güzel Sanatlar Dergisi, 2(Özel Sayı), 43-55.
AMA Demirdöğen Y. FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER. SOSGÜZ. October 2020;2(Özel Sayı):43-55.
Chicago Demirdöğen, Yavuz. “FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER”. Uygulamalı Sosyal Bilimler Ve Güzel Sanatlar Dergisi 2, no. Özel Sayı (October 2020): 43-55.
EndNote Demirdöğen Y (October 1, 2020) FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER. Uygulamalı Sosyal Bilimler ve Güzel Sanatlar Dergisi 2 Özel Sayı 43–55.
IEEE Y. Demirdöğen, “FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER”, SOSGÜZ, vol. 2, no. Özel Sayı, pp. 43–55, 2020.
ISNAD Demirdöğen, Yavuz. “FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER”. Uygulamalı Sosyal Bilimler ve Güzel Sanatlar Dergisi 2/Özel Sayı (October 2020), 43-55.
JAMA Demirdöğen Y. FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER. SOSGÜZ. 2020;2:43–55.
MLA Demirdöğen, Yavuz. “FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER”. Uygulamalı Sosyal Bilimler Ve Güzel Sanatlar Dergisi, vol. 2, no. Özel Sayı, 2020, pp. 43-55.
Vancouver Demirdöğen Y. FİNTEKLERİN GELİŞİMİNİ ETKİLEYEN FAKTÖRLER. SOSGÜZ. 2020;2(Özel Sayı):43-55.

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