Financial Technology: Neo Banking and Embedded Finance

Yıl 2025, Cilt: 12 Sayı: 1, 1 - 13, 13.01.2025

Meltem Keskin

Öz

Information technologies continue to redefine the boundaries of traditional finance. Developments in technology create many changes in the field of finance as well as in daily life. One of the areas where these changes are rapid and intense is the banking sector. One of the Financial Technology (Fintech) products is neobanks. These banks are the new generation branchless banking model. In the financial innovation era, embedded banks take their place among fintech investments. The direction of financial services has begun to change with electronic commerce (E-commerce), which affects the future of banking. Transactions that can be made through traditional banks can also be made with payment cards or digital wallets of companies in non-financial sectors with embedded financial technology. Purpose of the study; The aim is to raise awareness among market participants and users about practical implications regarding new-generation financial services and embedded finance that brings together neobanks, fintech companies, technology companies and online platforms. Additionally, this study aims to evaluate Turkey's neobank and embedded finance potential.

Anahtar Kelimeler

Bank, Fintech, Neobank, Financial Technologies, Embedded Finance

Etik Beyan

Çalışma etik beyanı gerektirmeyen çalışmalar arasında yer almaktadır.

Destekleyen Kurum

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Proje Numarası

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Teşekkür

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Finansal Teknoloji: Neo Bankacılık ve Gömülü Finans

Öz

Bilgi teknolojileri geleneksel finansın sınırlarını yeniden beliremeye devam etmektedir. Teknolojideki gelişimler günlük hayatlarda olduğu gibi finans alanında da pek çok değişim yaratmaktadır. Bu değişimlerin hızlı ve yoğun olduğu alanlardan birisi ise bankacılık sektörüdür. Finansal Teknoloji (Fintech) ürünlerinden biri de neobankalardır. Bu bankalar, yeni nesil şubesiz bankacılık modelidir. Finansal yenilikçi döneminde, fintech yatırımları arasında gömülü bankalarda yerini almaktadır. Bankacılığın geleceğine etki eden elektronik ticaret (E-ticaret) ile finans hizmetlerin yönü değişmeye başlamıştır. Geleneksel bankalar aracılığıyla yapılabilen işlemler gömülü finans teknolojisi ile finans dışı sektörlerdeki şirketlerin ödeme kartı veya dijital cüzdanları ile de yapılabilmektedir. Çalışmanın amacı; piyasa katılımcılarına ve kullanıcılara yeni nesil finansal hizmetlerle ilgili pratik çıkarımlar ve neobankalar, fintech şirketleri, teknoloji şirketler, online platformları buluşturan gömülü finans hakkında farkındalık oluşturabilmektir. Ayrıca bu çalışmada, Türkiye’nin neobanka ve gömülü finans potansiyelini değerlendirmek amaçlanmaktadır.

Anahtar Kelimeler

Banka, Neobank, Finansal Teknolojiler, Gömülü Finans

Proje Numarası

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Kaynakça

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