YENİ TRENDLERİN ETKİSİ: ONLINE VE MOBİL BANKACILIĞIN SWOT ANALİZİ: BİR CİBUTİ BANKASI ÖRNEĞİ

Yıl 2019, Cilt: 3 Sayı: 5, 51 - 60, 01.06.2019

Tessir Fahmi Alı Figen Yıldırım

Öz

Dünyanın dört bir yanındaki bankalar, faaliyetlerini kolaylaştırmak ve müşterilerine daha iyi bir deneyim sunmak için yeni teknolojiler gibi yeni trendlerden yararlanmaktadır. Finansal hizmetlerin ve ürünlerin işbirliği ve birlikte oluşturulması sadece bir heves değil, aynı zamanda müşterinin ihtiyaçlarını ideal şekilde karşılamak için sürdürülebilir bir şekilde inovasyonu geliştirmek için güçlü modellerdir. Cibuti'nin finans sektörü, online ve mobil bankacılık tekliflerinin yayılmasıyla güçlendi aynı zamanda sektördeki bu yeni eğilimleri destekleyen yeni düzenlemeler. Bu çalışma, çevrimiçi ve mobil bankacılığın büyümesi ve geleceğini tespit etmek için bir TOWS matrisinin eşlik ettiği SWOT matrisini kullanarak yeni trendlerin stratejik yaklaşımına odaklanıyor. Bulgular derlenmiş ve yeni eğilimlerin güçlü ve fırsatlarının yanı sıra zayıflıkları ve tehditleri ortaya koymuştur. Sonuç olarak, TOWS matrisinin kullanımı dikkate alınması gereken önemli stratejilere işaret eder.

Anahtar Kelimeler

Yeni Trendler, Online ve Mobil Bankacılık, SWOT Matris Analizi, Cibuti Bankacılığı

IMPACT OF NEW TRENDS: SWOT ANALYSIS OF ONLINE AND MOBILE BANKING: CASE STUDY OF A DJIBOUTIAN BANK

Öz

Banks around the world are taking advantage of the new trends such as new technologies to streamline their operations and provide a better experience to their customers. The collaboration and co-creation of financial services and products are not just a fad, but strong models to develop innovation in a sustainable way to meet the customer’s needs ideally. The financial sector of Djibouti has been boosted by the spread out of online and mobile banking offerings but also of the new regulations that support these new trends in the sector. This study focuses on the strategic approach of the new trends by using the SWOT matrix accompanied by a TOWS matrix to ascertain the growth and the future of online and mobile banking. The findings had been compiled and revealed the strengths and opportunities of the new trends as well as the weaknesses and threats. In the end, the use of the TOWS matrix leads to point out the important strategies that should be taken into consideration.

Anahtar Kelimeler

New Trends, Online and Mobile Banking, SWOT Matrix Analysis, Djibouti’s Banking

Kaynakça

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