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

Yıl 2020, Sayı: 114, 149 - 148, 01.10.2020

Bertaç Şakir Şahin Barış Cihan Cantürk

https://doi.org/10.33203/mfy.637661

Cited By: 1

Öz

 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.

Anahtar Kelimeler

API Teknolojisi, Fintek, Bankacılık, Açık Bankacılık

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

Öz

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.

Anahtar Kelimeler

API Technology, Fintech, Banking, Open Banking

Kaynakça

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