FİNANSAL TEKNOLOJİNİN RİSK VE UYUM BAĞLAMINDA İNCELENMESİ: KATILIM BANKALARI ÜZERİNE NİTEL BİR ARAŞTIRMA

Year 2023, , 79 - 108, 31.12.2023

İsmail Karataş

https://doi.org/10.57085/ufebud.1409066

Abstract

Günümüz dijital teknolojisinin hızla gelişimi, geleneksel finans ile modern teknolojiyi bütünleştirerek finansal teknolojiyi ortaya çıkarmıştır. Finansal teknoloji (FinTech), nesnelerin interneti, siber güvenlik, yapay zeka, bulut bilişim, kripto varlıklar ve blok zincir de dahil olmak üzere yeni iş modelleri ve faydalanılan teknolojiler çerçevesinde oldukça geniş bir yelpazeye sahiptir. Finansal teknolojide, modern teknoloji yardımıyla üretilen yenilikçi hizmetleri, finansla buluşturan şirketlere ve şirket temsilcilerine vurgu yapılmaktadır. Bu doğrultuda finansal teknolojiler, günümüz ticari bankalarının avantajlı konuma gelmesinde oldukça kritik bir role sahiptir. Faizsiz bankacılık olarak belirtilen ve geleneksel bankalardan farklı dinamiklere sahip olan katılım bankaları, geleneksel bankalarda bulunmayan birçok ürünle faaliyet göstermektedir. Bu ürünler birçok riski de beraberinde getirmektedir. Buna göre risk ve risk faktörleri bu bankaların hayatta kalmalarını ve başarılarını tehdit edebilmektedir. Bununla birlikte risk ve uyum kapsamında katılım bankalarına ilişkin finansal teknolojinin işlevselliğine yönelik literatür eksikliği dikkat çekmektedir. Bu bağlamda literatür taraması yaklaşımının kullanıldığı bu nitel çalışmada, katılım bankalarında risk ve uyum sürecine ilişkin finansal teknolojilerin öneminin ortaya çıkarılması ve bu teknolojilere yönelik farkındalığın artırılması amaçlanmıştır. Bu doğrultuda, risk ve uyum süreçlerinde katılım bankalarının faaliyetlerini etkin ve verimli bir şekilde gerçekleştirebilmeleri için FinTech uygulamalarının bazı kısıtlara sahip olmasına rağmen bu uygulamaları kullanmalarının oldukça önemli olduğu sonucuna varılmıştır.

Keywords

FİNANSAL TEKNOLOJİ, FİNTEK, RİSK, UYUM, BANKA, KATILIM BANKASI

INVESTIGATION OF FINANCIAL TECHNOLOGY IN THE CONTEXT OF RISK AND COMPLIANCE: A QUALITATIVE RESEARCH ON PARTICIPATION BANKS

Abstract

The rapid development of today's digital technology has created financial technology by integrating traditional finance and modern technology. Financial technology (FinTech) has many new business models and technologies, including the Internet of Things, cyber security, artificial intelligence, cloud computing, crypto assets and blockchain. Financial technology emphasises companies and company representatives that bring together finance with innovative services produced with the help of modern technology. In this regard, financial technologies are critical in bringing today's commercial banks to an advantageous position. Participation banks, called interest-free banking, have different dynamics than traditional banks and operate with many products unavailable in traditional banks. These products bring with them many risks. Accordingly, risk and risk factors can threaten the survival and success of these banks. However, it is noteworthy that there is a lack of literature on the functionality of financial technology for participation banks within the scope of risk and compliance. In this context, this qualitative study, in which the literature review approach was used, aimed to reveal the importance of financial technologies regarding the risk and compliance process in participation banks and to raise awareness of these technologies. In this regard, it has been concluded that although FinTech applications have some limitations, it is crucial for participation banks to use these applications in order to carry out their activities effectively and efficiently in risk and compliance processes.

Keywords

FINANCIAL TECHNOLOGY, FINTECH, RISK, COMPLIANCE, BANK, PARTICIPATION BANK

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