{"id":15432,"date":"2022-03-24T00:00:00","date_gmt":"2022-03-24T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/financer-lavenir\/"},"modified":"2026-05-12T11:31:46","modified_gmt":"2026-05-12T11:31:46","slug":"financer-lavenir","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/perspectives\/financer-lavenir\/","title":{"rendered":"Financer l\u2019avenir"},"content":{"rendered":"<p>Established in 2011, to provide financial services products to consumers looking to purchase a car from Abdul Latif Jameel\u2019s <a href=\"https:\/\/www.toyota.com.tr\/\">Toyota <\/a>and <a href=\"https:\/\/www.lexus.com.tr\/\">Lexus <\/a>distributorships in Turkey, <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a> has grown to become a significant player in the Turkish consumer finance sector . . .\u00a0\u00a0 and one of the fastest growing.\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-97100\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-300x168.jpg\" alt=\"ALJ Finans logo\" width=\"282\" height=\"158\" \/>It has also earned a robust reputation as a leader in innovation in automotive financing, with revolutionary services, and some Turkish consumer finance market \u2018firsts\u2019, such as robotic process automation, decision support automation, customer e-care, KredimOL mobile app and e-contract, plus a number of prestigious industry awards.\u00a0<\/p>\n<p>Looking to continue this track record of success and drive the development of ALJ Finans over its next period of growth is Chief Executive, Bet\u00fcg\u00fcl Toker.\u00a0 We spoke to Bet\u00fcg\u00fcl about the current dynamics in the Turkish consumer finance market and her ambitious plans to lead ALJ Finans into the future.<\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/46C25qdwabo\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>When did you join ALJ Finans?<\/h2>\n<p>I joined the <a href=\"https:\/\/alj.com\">Abdul Latif Jameel<\/a> family in September 2021. \u00a0I am originally a retail banker. \u00a0I began with QNB Finansbank in 2000, as a management trainee, where I stayed for 8\u00bd years. \u00a0Then I moved to Akbank, which was number two in Turkey at the time. \u00a0I was there for four years, but my focus has always been on payments systems in retail or consumer banking. \u00a0When I first got involved, digital banking was not really a discreet area in Turkey. \u00a0It was simply seen as an alternative delivery channel, rather than a separate business line. \u00a0I developed a focus on product expansion, data analytics, CRM, third-party collaborations \u2013 all areas where I could see that digital technology had enormous potential.<\/p>\n<p>I was approached by Bank Audi Group, one of the biggest banking groups in the region, which was launching in Turkey as Odeabank, to head up the retail banking division. \u00a0It was a chance to build up that business from scratch. \u00a0I jumped at it and stayed for five years, again with a big focus on the technology side of things. \u00a0I was then approached by Aktif Bank, the biggest investment bank in Turkey, who asked me to help them establish their digital banking business, including payment systems, cards, the fintech environment in general. \u00a0It was from Aktif Bank that I came to <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>.<\/p>\n<h2>What attracted you to the role at ALJ Finans?<\/h2>\n<p>I knew of ALJ Finans and had become increasingly aware of them during my time at Aktif Bank. \u00a0I knew Abdul Latif Jameel was a major global player and, although ALJ Finans is relatively small on the consumer finance side in Turkey, I could see they had big plans and were making a lot of investment to grow and expand the business, particularly on the digital side. \u00a0I saw there was a great opportunity to combine my leadership experience and my expertise in digital banking to help ALJ Finans achieve its bold ambitions. \u00a0<\/p>\n<h2>How is the Turkish consumer finance market changing?<\/h2>\n<p>Consumer finance and banking are split into two different sectors. \u00a0The banking sector is very well established and well regulated, with around 40 million active customers. \u00a0Consumer finance is a newer sector, but it has expanded rapidly and there is still a lot of room for further growth, particularly on the digital and fintech side. \u00a0It is very competitive. \u00a0Fintechs are focusing first on building their businesses. \u00a0Once they have a built a solid base, they are in a better position to apply for other financial licenses, like a consumer finance licence or payments licence.\u00a0 It used to be the other way round \u2013 get the licence first, build the business and then obtain additional licenses.<\/p>\n<p>In general, the big banks dominate in areas like general purpose loans and mortgages, but consumer finance providers have a strong presence in some markets, like automotive finance, where they account for around 35% of lending. \u00a0There is scope for this to be much higher, which is what I\u2019m aiming for at ALJ Finans.<\/p>\n<h2>What are the prospects for the consumer finance sector over the next three years?<\/h2>\n<p>I predict that the sector will grow significantly in the next three years as it enters new financing areas &#8211; cumulative growth of more than 50% over the next three years would not be a surprise. \u00a0Increasing vehicle prices will increase the demand for credit. \u00a0A possible decrease in interest rates will push demand in a similar direction. \u00a0We expect to see growth in non-automotive financing solutions for products such as consumer electronics and household goods, as well as an increase in the share of financing companies in total loan volumes. \u00a0These healthy dynamics are likely to see more players coming into the market, especially on the non-automotive financing side, so competition is likely to get tougher.<\/p>\n<h2>Do you expect the consumer finance sector in Turkey to continue to be dominated by automotive finance?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-97107 size-thumbnail\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-150x141.jpg\" alt=\"ALJ Finans brands\" width=\"150\" height=\"141\" \/>For the time being, yes. \u00a0But within five years I think the balance will start to change, with growth in general purpose loans. \u00a0<\/p>\n<p>Automotive finance is an easy option \u2013 every vehicle has a plate value. \u00a0If something goes wrong, there is a nice big asset to sell. It\u2019s not as clear cut in other \u00a0areas of finance. \u00a0I think that is changing though, and at ALJ Finans we aim to be part of that change. \u00a0I expect to see finance \u00a0becoming more common across a wider range of assets, from mobile phones to furniture and white goods. \u00a0That\u2019s one of the areas we are focusing on.<\/p>\n<h2>What is the fintech scene like in Turkey?<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-97114\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo-300x126.jpg\" alt=\"\" width=\"300\" height=\"126\" \/>Turkey has a very dynamic fintech scene. \u00a0There are about 250 fintech companies here. \u00a0Over 50 of them have \u00a0e-money or payment services licenses. \u00a0There is one decacorn (valued over US$ 10 bn), four unicorns, one IPO, plus 127 gaming start-ups that have attracted over US$ 680 million in venture capital.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-97093\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/KredimOL-App-scaled.jpg\" alt=\"KredimOL App\" width=\"2560\" height=\"856\" \/> \u00a0<\/p>\n<p>That\u2019s 250 fintechs, many of which already have or will be applying for e-money licenses. \u00a0So, what\u2019s the strategy? \u00a0E-money includes payments and cards, so it is a great way to get into customer\u2019s wallets, or rather, onto their smart phones. \u00a0Once you\u2019ve established yourself in that space, you can apply for more licenses, expand into other areas and you can attract more investment. \u00a0At some point they will need to decide whether to become fully fledged digital banks, something which the Turkish government is very supportive of. \u00a0It is a very exciting, fast-moving market.<\/p>\n<h2>What does the dynamism of the fintech market mean for providers like ALJ Finans?<\/h2>\n<p>I think it confirms that we are on the right path. \u00a0You have to <em>think digitally<\/em>, and you have to put customers at the very center of your digital universe.\u00a0 If you don\u2019t invest in your customer experience, you will have zero value.\u00a0<\/p>\n<p>This is what we are already doing at ALJ Finans.\u00a0 We put our customers at the center, and we are building the technology around them to meet their needs.\u00a0\u00a0 We are updating our technology system, our lending platform, to enable us to create digital-first solutions and we are building up our internal technology team to enhance our innovation capabilities in future.<\/p>\n<h2>What are your plans for ALJ Finans over the next few years?<\/h2>\n<p>This year, 2022 will be a year of growth for us.\u00a0 We ended 2021, with a 64% increase in loans extended compared to the previous year.\u00a0 Our market share grew from 3.5% levels at the end of 2019 to 5% at the end of 2021.\u00a0<\/p>\n<p>Our goal here is to gain at least 2 more points in 2022.\u00a0 In 2021, we increased the volume of customers by 15%.\u00a0 This year, we want to increase this number by 25% and we expect our loan portfolio to grow by more than 50%.<\/p>\n<p>At the moment, ALJ Finans is largely an automotive finance business.\u00a0 In three years, that will no longer be the case. \u00a0We will be providing a digital consumer finance platform that connects consumers to finance solutions across a wide range of sectors, including automotive, through one \u2018super app\u2019.\u00a0 To make this work, we will need to attract more consumers onto our platform.\u00a0 We\u2019ll be focusing on this over the next few years, building partnerships and using Big Data and AI to put intelligent systems in place to attract and retain consumers within our finance eco-system.<\/p>\n<p>Our aim is to be the best digital finance company in Turkey. \u00a0Today, we already provide end-to-end applications, and with instant approval, credit can be used at the relevant dealer. \u00a0Our goal now is to rewrite these processes and completely re-architect the application. \u00a0We aim to launch this innovation in September 2022. \u00a0We\u2019re aiming for 1 in 4 transactions to come from digital next year.<\/p>\n<h2>How do you expect the big players to respond to the changing market dynamic?<\/h2>\n<p>The big banks are already repositioning themselves in this space.\u00a0 They are moving away from being seen only as \u2018banks\u2019 and are trying to establish their own platforms to position themselves as providers of a much wider range of financial products.\u00a0 Some banks are doing it within their existing brand, others are establishing their own fintech companies.\u00a0 This will continue, and that\u2019s fine, the market is ready for these kinds of changes.<\/p>\n<div id=\"attachment_97086\" style=\"width: 2570px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-97086\" class=\"size-full wp-image-97086\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-scaled.jpg\" alt=\"The ALJ Finans team\" width=\"2560\" height=\"1153\" \/><p id=\"caption-attachment-97086\" class=\"wp-caption-text\">The ALJ Finans team<\/p><\/div>\n<h2>With the worst of the pandemic hopefully behind us, what are your expectations for 2022?<\/h2>\n<p>This year, we anticipate significant growth in the consumer finance sector in Turkey, driven both by the inflationary environment and increased activity in the automotive vehicle market.\u00a0 The emergence of new COVID-19 variants may continue to create some uncertainties from time to time, but we predict that the effects of the pandemic will decrease somewhat in 2022. \u00a0Starting from the middle of the year, we expect that global inflation concerns will decrease, and we will begin to take steps towards normalization.<\/p>\n<p>My priority for ALJ Finans is also growth. \u00a0Growth in terms of customer numbers and in terms of our investment into the customer experience.\u00a0 We could continue as we are and still be a very successful business, but our ambitions are much bigger than that.\u00a0<\/p>\n<p>That means investing in technology, data, analytics, AI\u2026every aspect of our digital platform.\u00a0 That will be the focus until the end of 2023.\u00a0\u00a0 My other priority is to obtain an e-money license.\u00a0 \u00a0We are currently a financial services business, but it isn\u2019t enough if we want to achieve our growth ambitions.\u00a0 An e-money license will enable us to provide things like money transfer, debit cards, payments, consumer credit.\u00a0 It will give us a much bigger space in the customer\u2019s wallet, and much more opportunity to achieve our strategic objectives.\u00a0 \u00a0<\/p>\n","protected":false},"featured_media":15422,"menu_order":0,"template":"","class_list":["post-15432","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is 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croissance.<\/p>\r\n<p>&nbsp;<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Betugal-Toker-CEO-ALJ-Finans.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["0"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["15422"],"_wpml_word_count":["{\"total\":1960,\"to_translate\":{\"ar\":1960,\"zh-hans\":1960,\"fr\":1960,\"ja\":1960,\"es\":1960,\"tr\":1960}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:16:{s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-logo.jpg\";a:2:{s:2:\"id\";s:5:\"15423\";s:11:\"source_type\";s:13:\"media-library\";}s:84:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-logo-300x168.jpg\";a:2:{s:2:\"id\";s:5:\"15423\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-logo.jpg\";a:2:{s:2:\"id\";s:5:\"15423\";s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-logo-300x168.jpg\";a:2:{s:2:\"id\";s:5:\"15423\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-brands.jpg\";a:2:{s:2:\"id\";s:5:\"15424\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-brands.jpg\";a:2:{s:2:\"id\";s:5:\"15424\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/KredimOL-App-Logo.jpg\";a:2:{s:2:\"id\";s:5:\"15425\";s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/KredimOL-App-Logo-300x126.jpg\";a:2:{s:2:\"id\";s:5:\"15425\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/KredimOL-App-Logo.jpg\";a:2:{s:2:\"id\";s:5:\"15425\";s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/KredimOL-App-Logo-300x126.jpg\";a:2:{s:2:\"id\";s:5:\"15425\";s:11:\"source_type\";s:13:\"media-library\";}s:82:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/KredimOL-App-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"15426\";s:11:\"source_type\";s:13:\"media-library\";}s:84:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/KredimOL-App-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"15426\";s:11:\"source_type\";s:13:\"media-library\";}s:89:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/IMG_20220115_173959-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"15427\";s:11:\"source_type\";s:13:\"media-library\";}s:91:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/IMG_20220115_173959-scaled-1.jpg\";a:2:{s:2:\"id\";s:5:\"15427\";s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-brands-300x283.jpg\";a:2:{s:2:\"id\";s:5:\"15424\";s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Finans-brands-300x283.jpg\";a:2:{s:2:\"id\";s:5:\"15424\";s:11:\"source_type\";s:13:\"media-library\";}}"],"_edit_lock":["1778585407:22"],"content":["<p>\u00c9tablie en 2011 pour fournir des produits de services financiers aux consommateurs cherchant \u00e0 acheter une voiture aupr\u00e8s des distributeurs <a href=\"https:\/\/www.toyota.com.tr\/\">Toyota<\/a> et <a href=\"https:\/\/www.lexus.com.tr\/\">Lexus <\/a>d\u2019Abdul Latif Jameel en Turquie, <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a> est devenue un acteur important dans le secteur du cr\u00e9dit \u00e0 la consommation turc... et l\u2019un de ceux \u00e0 plus forte croissance.<\/p>\r\n<p><img class=\"size-medium wp-image-97103 alignleft\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-300x168.jpg\" alt=\"ALJ Finans logo\" width=\"300\" height=\"168\" \/>Elle a gagn\u00e9 plusieurs r\u00e9compenses prestigieuses du secteur et a acquis une solide r\u00e9putation en tant que leader de l\u2019innovation dans le financement automobile, avec des services r\u00e9volutionnaires, et des premi\u00e8res sur le march\u00e9 turc du cr\u00e9dit \u00e0 la consommation tels que l\u2019automatisation des processus par la robotique, l\u2019automatisation de l\u2019aide \u00e0 la d\u00e9cision, l\u2019attention \u00e9lectroniques aux clients, l\u2019application mobile KredimOL et le contrat \u00e9lectronique.<\/p>\r\n<p>Son directeur g\u00e9n\u00e9ral, Bet\u00fcg\u00fcl Toker, cherche \u00e0 poursuivre cette r\u00e9ussite et \u00e0 stimuler le d\u00e9veloppement d\u2019ALJ Finans durant sa prochaine p\u00e9riode de croissance. Nous avons parl\u00e9 \u00e0 Betty de la dynamique actuelle du march\u00e9 turc du cr\u00e9dit \u00e0 la consommation et de ses projets ambitieux pour l\u2019avenir d\u2019ALJ Finans.<\/p>\r\n<p><iframe src=\"\/\/www.youtube.com\/embed\/46C25qdwabo\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\r\n<h2>Quand avez-vous rejoint ALJ Finans ?<\/h2>\r\n<p>J\u2019ai rejoint la famille <a href=\"https:\/\/alj.com\">Abdul Latif Jameel<\/a> en septembre 2021. \u00c0 l\u2019origine, je suis banqui\u00e8re de d\u00e9tail. J\u2019ai commenc\u00e9 \u00e0 travailler chez QNB Finansbank en 2000, en tant que stagiaire en gestion, et j\u2019y suis rest\u00e9e pendant 8\u00a0ans et demi. Ensuite, je suis pass\u00e9e chez Akbank, qui \u00e9tait le num\u00e9ro deux en Turquie \u00e0 l\u2019\u00e9poque. J\u2019y suis rest\u00e9e quatre ans, mais je me suis toujours int\u00e9ress\u00e9e aux syst\u00e8mes de paiement dans les services bancaires de d\u00e9tail ou pour les consommateurs. Lorsque je me suis impliqu\u00e9e pour la premi\u00e8re fois dans ce domaine, la banque num\u00e9rique n\u2019\u00e9tait pas vraiment un secteur en tant que tel en Turquie. Il s\u2019agissait simplement d\u2019un canal de livraison alternatif, plut\u00f4t que d\u2019un secteur d\u2019activit\u00e9 distinct. J\u2019ai mis l\u2019accent sur l\u2019expansion des produits, l\u2019analyse des donn\u00e9es, le GRC, et les collaborations tierces, autant de domaines o\u00f9 je pouvais voir que la technologie num\u00e9rique avait un potentiel \u00e9norme.<\/p>\r\n<p>J\u2019ai \u00e9t\u00e9 contact\u00e9e par Bank Audi Group, l\u2019un des plus grands groupes bancaires de la r\u00e9gion, qui d\u00e9butait en Turquie sous le nom d\u2019Odeabank, pour diriger la division de banque de d\u00e9tail. C\u2019\u00e9tait une opportunit\u00e9 de d\u00e9velopper cette activit\u00e9 \u00e0 partir de z\u00e9ro. J\u2019ai saut\u00e9 sur l\u2019occasion et je suis rest\u00e9e \u00e0 ce poste pendant cinq ans, une fois de plus en mettant l\u2019accent sur le c\u00f4t\u00e9 technologique des choses. J\u2019ai ensuite \u00e9t\u00e9 contact\u00e9e par Aktif Bank, la plus grande banque d\u2019investissement en Turquie, qui m\u2019a demand\u00e9 de l\u2019aider \u00e0 \u00e9tablir son activit\u00e9 de banque num\u00e9rique, y compris les syst\u00e8mes de paiement, les cartes, et l\u2019environnement fintech en g\u00e9n\u00e9ral. Je travaillais pour Aktif Bank quand que je suis venue chez <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>.<\/p>\r\n<h2>Qu\u2019est-ce qui vous a attir\u00e9e dans ce poste chez ALJ Finans ?<\/h2>\r\n<p>Je connaissais ALJ Finans et j\u2019en \u00e9tais devenue de plus en plus consciente lors de mon passage chez Aktif Bank. Je savais qu\u2019Abdul Latif Jameel \u00e9tait un acteur mondial majeur et, bien qu\u2019ALJ Finans soit relativement petite en termes de cr\u00e9dit \u00e0 la consommation en Turquie, je voyais bien qu\u2019elle \u00e9tait ambitieuse et qu\u2019elle multipliait les investissements pour d\u00e9velopper et \u00e9tendre cette activit\u00e9, en particulier dans le domaine num\u00e9rique. J\u2019ai vu qu\u2019il y avait une excellente opportunit\u00e9 de combiner mon exp\u00e9rience en leadership et mon expertise en banque num\u00e9rique pour aider ALJ Finans \u00e0 se donner les moyens de ses ambitions.<\/p>\r\n<h2>Comment le march\u00e9 turc de la finance grand public \u00e9volue-t-il ?<\/h2>\r\n<p>Le cr\u00e9dit \u00e0 la consommation et la banque sont divis\u00e9s en deux secteurs diff\u00e9rents. Le secteur bancaire est tr\u00e8s bien \u00e9tabli et bien r\u00e9glement\u00e9, avec environ 40\u00a0millions de clients actifs. Le cr\u00e9dit \u00e0 la consommation est un secteur plus r\u00e9cent, mais qui s\u2019est rapidement d\u00e9velopp\u00e9 et a encore beaucoup de marge de croissance, en particulier dans le num\u00e9rique et le fintech. C\u2019est un secteur tr\u00e8s comp\u00e9titif. Les fintechs se concentrent avant tout sur la construction de leurs activit\u00e9s. Une fois qu\u2019ils ont construit une base solide, ils sont mieux plac\u00e9s pour postuler \u00e0 d\u2019autres licences financi\u00e8res, comme une licence de cr\u00e9dit \u00e0 la consommation ou une licence de paiement. Auparavant, c\u2019\u00e9tait l\u2019inverse\u00a0: on obtenait d\u2019abord la licence, on construisait l\u2019entreprise, puis on obtenait des licences suppl\u00e9mentaires.<\/p>\r\n<p>En g\u00e9n\u00e9ral, les grandes banques dominent dans des domaines comme les pr\u00eats \u00e0 usage g\u00e9n\u00e9ral et les pr\u00eats hypoth\u00e9caires, mais les fournisseurs de cr\u00e9dit \u00e0 la consommation ont une forte pr\u00e9sence sur certains march\u00e9s, comme le financement automobile, o\u00f9 ils repr\u00e9sentent environ 35\u00a0% des pr\u00eats. Il y a une tr\u00e8s grande marge de croissance, et c\u2019est ce \u00e0 quoi j\u2019aspire chez ALJ Finans.<\/p>\r\n<h2>Quelles sont les perspectives pour le secteur du cr\u00e9dit \u00e0 la consommation au cours des trois prochaines ann\u00e9es ?<\/h2>\r\n<p>Je pr\u00e9dis que ce secteur va conna\u00eetre une croissance significative au cours des trois prochaines ann\u00e9es \u00e0 mesure qu\u2019il touche de nouveaux domaines de financement. Une croissance cumul\u00e9e de plus de 50\u00a0% sur les trois prochaines ann\u00e9es ne me surprendrait pas. L\u2019augmentation des prix des v\u00e9hicules augmentera la demande de cr\u00e9dit. Une diminution possible des taux d\u2019int\u00e9r\u00eat poussera la demande dans une direction similaire. Nous pr\u00e9voyons une croissance des solutions de financement non automobile pour des produits tels que l\u2019\u00e9lectronique grand public et les biens de consommation, ainsi qu\u2019une augmentation de la part des soci\u00e9t\u00e9s de financement dans les volumes de pr\u00eats totaux. Ces dynamiques saines sont susceptibles de voir plus d\u2019acteurs p\u00e9n\u00e9trer le march\u00e9, en particulier en ce qui concerne le financement non automobile, de sorte que la concurrence risque de s\u2019intensifier.<\/p>\r\n<h2>Pensez-vous que le secteur du cr\u00e9dit \u00e0 la consommation en Turquie continuera d\u2019\u00eatre domin\u00e9 par le financement automobile ?<\/h2>\r\n<p><img class=\"alignleft size-thumbnail wp-image-97110\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-150x141.jpg\" alt=\"ALJ Finans brands\" width=\"150\" height=\"141\" \/>Pour le moment, oui. Mais d\u2019ici cinq ans, je pense que \u00e7a va changer, avec une croissance des pr\u00eats \u00e0 usage g\u00e9n\u00e9ral.<\/p>\r\n<p>Le financement automobile est une option facile, chaque v\u00e9hicule ayant une valeur nominale. Si quelque chose se passe mal, il reste toujours un bel actif \u00e0 vendre. Ce n\u2019est pas aussi clair dans les autres domaines du financement. Je pense que cela est en train de changer cependant, et chez ALJ Finans, nous voulons faire partie de ce changement. Je m\u2019attends \u00e0 ce que le financement devienne plus courant sur un plus large \u00e9ventail d\u2019actifs, des t\u00e9l\u00e9phones portables \u00e0 l\u2019ameublement en passant par l\u2019\u00e9lectrom\u00e9nager. C\u2019est l\u2019un des domaines sur lesquels nous nous concentrons.<\/p>\r\n<h2>\u00c0 quoi ressemble la sc\u00e8ne fintech en Turquie ?<\/h2>\r\n<p><img class=\"alignright size-medium wp-image-97117\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo-300x126.jpg\" alt=\"\" width=\"300\" height=\"126\" \/>La Turquie poss\u00e8de une sc\u00e8ne fintech tr\u00e8s dynamique. Ici, il existe environ 250\u00a0soci\u00e9t\u00e9s de technologie financi\u00e8re. Plus de 50\u00a0d\u2019entre elles ont des licences d\u2019argent \u00e9lectronique ou de services de paiement. Il y a une d\u00e9cacorne (d\u2019une valeur de plus de 10\u00a0milliards USD), quatre licornes, une soci\u00e9t\u00e9 cot\u00e9e en bourse, plus 127\u00a0start-up de jeux qui ont attir\u00e9 plus de 680\u00a0millions USD de capital-risque.<\/p>\r\n<p>Il s\u2019agit de 250\u00a0soci\u00e9t\u00e9s fintech, dont beaucoup disposent d\u00e9j\u00e0 de licences d\u2019argent \u00e9lectronique ou vont en demander. Alors, quelle est la strat\u00e9gie\u00a0? L\u2019argent \u00e9lectronique comprend les paiements et les cartes. C\u2019est donc un excellent moyen d\u2019acc\u00e9der aux portefeuilles des clients, ou plut\u00f4t, \u00e0 leurs smartphones. Une fois que vous vous \u00eates \u00e9tabli dans cet espace, vous pouvez demander plus de licences, vous \u00e9tendre \u00e0 d\u2019autres domaines et attirer plus d\u2019investissements. \u00c0 un moment donn\u00e9, elles devront d\u00e9cider si elles souhaitent devenir des banques num\u00e9riques \u00e0 part enti\u00e8re, une transition fortement encourag\u00e9e par le gouvernement turc. C\u2019est un march\u00e9 passionnant, en \u00e9volution rapide.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-97096\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/KredimOL-App-scaled.jpg\" alt=\"KredimOL App\" width=\"2560\" height=\"856\" \/><\/p>\r\n<h2>\u00a0Que signifie le dynamisme du march\u00e9 fintech pour les fournisseurs comme ALJ Finans\u00a0?<\/h2>\r\n<p>Je pense qu\u2019il confirme que nous sommes sur la bonne voie. Vous devez <em>penser num\u00e9riquement<\/em>, et vous devez placer les clients au centre de votre univers num\u00e9rique. Si vous n\u2019investissez pas dans votre exp\u00e9rience client, vous aurez une valeur nulle.<\/p>\r\n<p>C\u2019est ce que nous faisons d\u00e9j\u00e0 chez ALJ Finans. Nous pla\u00e7ons nos clients au centre de nos pr\u00e9occupations, et nous construisons la technologie autour d\u2019eux pour r\u00e9pondre \u00e0 leurs besoins. Nous mettons \u00e0 jour notre syst\u00e8me technologique, notre plateforme de pr\u00eat, pour nous permettre de cr\u00e9er des solutions num\u00e9riques, et nous formons notre \u00e9quipe technologique interne pour am\u00e9liorer nos capacit\u00e9s d\u2019innovation \u00e0 l\u2019avenir.<\/p>\r\n<h2>\u00a0Quels sont vos plans pour ALJ Finans au cours des prochaines ann\u00e9es\u00a0?<\/h2>\r\n<p>2022 sera pour nous une ann\u00e9e de croissance. Nous avons termin\u00e9 2021 sur une augmentation de 64\u00a0% des pr\u00eats octroy\u00e9s par rapport \u00e0 l\u2019ann\u00e9e pr\u00e9c\u00e9dente. Notre part de march\u00e9 est pass\u00e9e de 3,5\u00a0% fin 2019 \u00e0 5\u00a0% fin 2021.<\/p>\r\n<p>Notre objectif est de gagner au moins 2\u00a0points suppl\u00e9mentaires en 2022. En 2021, nous avons augment\u00e9 le volume de nos clients de 15\u00a0%. Cette ann\u00e9e, nous souhaitons l\u2019augmenter de 25\u00a0% et nous pr\u00e9voyons une croissance de notre portefeuille de pr\u00eats de plus de 50\u00a0%.<\/p>\r\n<p>\u00c0 l\u2019heure actuelle, ALJ Finans est en grande partie une entreprise de financement automobile. Dans trois ans, ce ne sera plus le cas. Nous fournirons une plateforme num\u00e9rique de cr\u00e9dit \u00e0 la consommation qui connectera les consommateurs \u00e0 des solutions financi\u00e8res dans un large \u00e9ventail de secteurs, y compris automobile, par le biais d\u2019une super application. Pour que cela fonctionne, nous devrons attirer davantage de consommateurs sur notre plateforme. Nous nous concentrerons sur cela au cours des prochaines ann\u00e9es, en \u00e9tablissant des partenariats et en utilisant le Big Data et l\u2019IA pour mettre en place des syst\u00e8mes intelligents afin d\u2019attirer et de fid\u00e9liser les consommateurs au sein de notre \u00e9cosyst\u00e8me financier.<\/p>\r\n<p>Notre objectif est de devenir la meilleure soci\u00e9t\u00e9 de financement num\u00e9rique en Turquie. Aujourd\u2019hui, nous fournissons d\u00e9j\u00e0 des applications de bout en bout, et gr\u00e2ce \u00e0 l\u2019approbation instantan\u00e9e, le cr\u00e9dit peut \u00eatre utilis\u00e9 chez le concessionnaire concern\u00e9. Notre objectif est maintenant de r\u00e9\u00e9crire ces processus et de r\u00e9organiser compl\u00e8tement l\u2019application. Nous avons pour objectif de lancer cette innovation en septembre 2022. Nous visons \u00e0 ce que 1\u00a0transaction sur 4\u00a0soit num\u00e9rique l\u2019ann\u00e9e prochaine.<\/p>\r\n<h2>Comment pensez-vous que les grands acteurs r\u00e9pondront \u00e0 l\u2019\u00e9volution dynamique du march\u00e9 ?<\/h2>\r\n<p>Les grandes banques sont d\u00e9j\u00e0 en train de se repositionner dans cet espace. Elles sont de moins en moins consid\u00e9r\u00e9es comme de \u00ab\u00a0simples banques\u00a0\u00bb et essaient d\u2019\u00e9tablir leurs propres plateformes pour se positionner comme fournisseurs d\u2019une gamme de produits financiers beaucoup plus large. Certaines banques le font au sein de leur marque existante, tandis que d\u2019autres \u00e9tablissent leurs propres soci\u00e9t\u00e9s de technologie financi\u00e8re. Cela va continuer, et c\u2019est bien. Le march\u00e9 est pr\u00eat pour ce type de changements.<\/p>\r\n\r\n[caption id=\"attachment_97089\" align=\"aligncenter\" width=\"2560\"]<img class=\"size-full wp-image-97089\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-scaled.jpg\" alt=\"The ALJ Finans team\" width=\"2560\" height=\"1153\" \/> L\u2019\u00e9quipe ALJ Finans[\/caption]\r\n\r\n<h2>Le pire de la pand\u00e9mie est, on peut l\u2019esp\u00e9rer, derri\u00e8re nous. Quelles sont vos attentes pour 2022 ?<\/h2>\r\n<p>Cette ann\u00e9e, nous anticipons une croissance significative dans le secteur du cr\u00e9dit \u00e0 la consommation en Turquie, stimul\u00e9e \u00e0 la fois par l\u2019environnement inflationniste et l\u2019activit\u00e9 accrue sur le march\u00e9 des v\u00e9hicules automobiles. L\u2019\u00e9mergence de nouvelles variantes de COVID-19\u00a0pourrait continuer \u00e0 cr\u00e9er des incertitudes de temps \u00e0 autre, mais nous pr\u00e9voyons que les effets de la pand\u00e9mie diminueront quelque peu en 2022. \u00c0 partir du milieu de l\u2019ann\u00e9e, nous pr\u00e9voyons que les inqui\u00e9tudes concernant l\u2019inflation mondiale diminueront, et nous commencerons \u00e0 prendre des mesures tendant \u00e0 la normalisation.<\/p>\r\n<p>Ma priorit\u00e9 pour ALJ Finans est \u00e9galement la croissance. Croissance en termes de nombre de clients et aussi d\u2019investissement dans l\u2019exp\u00e9rience client. Nous pourrions continuer comme nous le faisons et rester une entreprise tr\u00e8s prosp\u00e8re, mais nos ambitions vont bien plus loin.<\/p>\r\n<p>Nous voulons investir dans la technologie, les donn\u00e9es, l\u2019analytique, l\u2019IA... tous les aspects de notre plateforme num\u00e9rique. Ce sera l\u2019objectif jusqu\u2019\u00e0 la fin 2023. Mon autre priorit\u00e9 est d\u2019obtenir une licence d\u2019argent \u00e9lectronique. Nous sommes actuellement une entreprise de services financiers, mais ce n\u2019est pas suffisant si nous voulons atteindre nos objectifs de croissance. Une licence d\u2019argent \u00e9lectronique nous permettra de fournir des services tels que le transfert d\u2019argent, les cartes de d\u00e9bit, les paiements, et le cr\u00e9dit \u00e0 la consommation. Cela nous donnera beaucoup plus d\u2019espace dans le portefeuille du client, et beaucoup plus d\u2019opportunit\u00e9s pour atteindre nos objectifs strat\u00e9giques.<\/p>"],"_content":[""],"_ame_cpe_post_policy":["{\"accessProtection\":{\"active\":\"replace\"}}"],"_edit_last":["22"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":["1"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/perspectives\/15432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media\/15422"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/fr\/wp-json\/wp\/v2\/media?parent=15432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}