Gömülü Finansın Wos Tabanlı Bibliyometrik Analizi ve Türkiye'deki Uygulamaları

Yıl 2026, Sayı: 109, 81 - 112, 02.01.2026

İffet Kesimli

https://doi.org/10.25095/mufad.1760186

Öz

Gömülü finans, bankacılık hizmetlerinin finansal olmayan uygulama ve hizmetlere entegre edilmesidir. Bu çalışmanın temel amacı Türkiye’de gömülü finans uygulamalarının durumunu ortaya koymaktır. Çalışmanın metodolojisi, kavramsal inceleme, ampirik web tabanlı içerik/veri toplama ve analizi ve Web of Science literatürünün bibliyometrik analizini birleştiren karma yöntemli araştırma tasarımıdır. Toplanan veriler ışığında, Türkiye'de oldukça tatmin edici gömülü finans örneklerinin olduğu ve tüketicilerin gömülü finans uygulamalarını benimsediği görülmektedir. Ayrıca, Türkiye'de yeni gömülü finans uygulamalarının hayata geçirilmesi için alan olduğu görülmektedir. Pazara girebilmek için büyüme fırsatlarının belirlenmesi, var olan yeteneğin geliştirilmesi, değişimin yönetilmesi ve gömülü finansı yönlendirmek için gerekli dönüşümün sağlanması gerekmektedir.

Anahtar Kelimeler

gömülü finans , finansal kapsayıcılık , Blockchain teknolojisi , fintek

Etik Beyan

Bu çalışmanın, özgün bir çalışma olduğunu; çalışmanın hazırlık, veri toplama, analiz ve bilgilerin sunumu olmak üzere tüm aşamalarından bilimsel etik ilke ve kurallarına uygun davrandığımı; bu çalışma kapsamında elde edilmeyen tüm veri ve bilgiler için kaynak gösterdiğimi ve bu kaynaklara kaynakçada yer verdiğimi; kullanılan verilerde herhangi bir değişiklik yapmadığımı, etik görev ve sorumluluklara riayet ettiğimi beyan ederim. Herhangi bir zamanda, çalışmayla ilgili yaptığım bu beyana aykırı bir durumun saptanması durumunda, ortaya çıkacak tüm ahlaki ve hukuki sonuçlara razı olduğumu bildiririm.

Destekleyen Kurum

Yok

Proje Numarası

Yok

Teşekkür

Sempozyum ekibine, dergi Bilim Kuruluna, değerli Hakemlere ve Editörlere teşekkür ederim.

Wos Based Bibliometric Analysis of Embedded Finance and Applications in Türkiye

Öz

Embedded finance is the integration of banking services into nonfinancial applications and services. The main purpose of this study is to reveal the status of embedded finance applications in Türkiye. The methodology of the study is mixed-methods research design combining conceptual review, empirical web-based content/data collection and analysis, and bibliometric analysis of the Web of Science literature. In the light of the collected data, it is seen that there are very satisfactory embedded finance examples in Türkiye and that consumers adopt embedded finance applications. Additionally, it is seen that there is room for new embedded finance applications to be implemented in Türkiye. To penetrate the market, the growth opportunities are to be determined, the existing talent is to be expanded, the change is to be managed and the necessary transformation is to be provided to lead embedded finance.

Anahtar Kelimeler

embedded finance , financial inclusion , Blockchain technology , fintech

Proje Numarası

Yok

Kaynakça

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