{"id":14495,"date":"2021-01-11T00:00:00","date_gmt":"2021-01-11T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/teknoloji-donusumu-icin-hazirlanan-finans\/"},"modified":"2026-05-12T13:41:38","modified_gmt":"2026-05-12T13:41:38","slug":"teknoloji-donusumu-icin-hazirlanan-finans","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/perspectives\/teknoloji-donusumu-icin-hazirlanan-finans\/","title":{"rendered":"Teknoloji d\u00f6n\u00fc\u015f\u00fcm\u00fc i\u00e7in haz\u0131rlanan finans"},"content":{"rendered":"<p>With technology evolving at dizzying speeds, the future successes of the <a href=\"https:\/\/alj.com\/en\/financial-services\/\">financial services<\/a> industry will be dictated by who can capitalize on these changes most quickly and exploit them with maximum impact.\u00a0<\/p>\n<p>Gone is the image that finance firms used to project: of stolid, august institutions, standing steady against the changing trends of the world around them.<\/p>\n<p>Instead, today\u2019s financial services businesses must, by necessity, present a more dynamic persona; one nimble enough to meet the fast-changing needs of consumers, while making the most of the latest innovations.<\/p>\n<p>Technology is both a driver and enabler of this revolution. \u00a0Traditional banks have lost ground \u2013 and custom \u2013 to the Big Tech behemoths: to Apple, Google, Facebook, Microsoft, Amazon and others. \u00a0Similarly, startups have struggled to maintain momentum against these industry titans who, by their very nature, have their finger on the button of . . .\u00a0 well, everything!<\/p>\n<p>Each of these Big Tech \u2018disruptors\u2019 have proved hyper-responsive to changing patterns of behavior.\u00a0 Each comes ready-equipped with the technology to slip effortlessly into new markets.\u00a0 It\u2019s a formidable proposition for both financial services mainstays and startups alike to counter.<\/p>\n<p>Understanding this new technological environment, while incorporating its infinite possibilities into existing practices, is vital for navigating the future financial services landscape.\u00a0 Not just for businesses, but for customers, too.\u00a0 The last few years have seen a fundamental reinvention of the way we , as individuals, interact with our finances. \u00a0There have been huge benefits for the customer, but also considerable challenges and opportunities for providers. \u00a0And the tech transformation is only just beginning.<\/p>\n<h2>How innovation will become <em>embedded<\/em><\/h2>\n<p>If financial services providers don\u2019t adapt quickly enough to changing consumer needs, Big Tech firms categorically will. \u00a0At a consumer level, consider the declining use of ATMs for cash withdrawals or deposits. \u00a0A decade ago, cash was used in six out of 10 transactions, but by 2019 it was used in fewer than three in 10 purchases<a href=\"#_ftn1\"\n\n\n\n\n\n<p>https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<br \/>\nhttps:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/p>\n<p>https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<br \/>\nhttps:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers.<\/p>\n","protected":false},"featured_media":14473,"menu_order":0,"template":"","class_list":["post-14495","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - 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d\u00f6n\u00fc\u015f\u00fcm\u00fc i\u00e7in haz\u0131rlanan finans"}]},{"@type":"WebSite","@id":"https:\/\/10.0.2.222\/en\/#website","url":"https:\/\/10.0.2.222\/en\/","name":"Abdul Latif Jameel","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/10.0.2.222\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"}]}},"post-meta-fields":{"_wp_page_template":["default"],"_published_date":["field_6057129b493f5"],"published_date":["20210111"],"_location":["field_601267396ce72"],"location":["Dubai, BAE"],"_featured":["field_601a3b473c5c5"],"featured":["0"],"_footnotes":["field_66fd39afb9383"],"footnotes":["<a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? - BBC News<\/a>\r\n\r\n<a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a>\r\n\r\n<a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/a>\r\n\r\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["Finansal Hizmetler"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["83146"],"_short_title":["field_60925d67125ef"],"short_title":["Teknoloji d\u00f6n\u00fc\u015f\u00fcm\u00fc i\u00e7in haz\u0131rlanan finans"],"_summary":["field_6019304103a20"],"summary":["<p>Teknolojinin ba\u015f d\u00f6nd\u00fcr\u00fcc\u00fc h\u0131zlarda geli\u015fmesiyle birlikte, finansal hizmetler sekt\u00f6r\u00fcn\u00fcn gelecekteki ba\u015far\u0131lar\u0131, bu de\u011fi\u015fikliklerden en h\u0131zl\u0131 \u015fekilde yararlanabilecek ve bunlar\u0131 maksimum etkiyle kullanabilecek olan ki\u015filer taraf\u0131ndan belirlenecektir.<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Financial-technology-transformation.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["0"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["14473"],"_wpml_word_count":["{\"total\":2233,\"to_translate\":{\"ar\":2233,\"zh-hans\":2233,\"fr\":2233,\"ja\":2233,\"es\":2233,\"tr\":2233}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:20:{s:75:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:89:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:68:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:70:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:111:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:113:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Global-Venture-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17341\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Global-Venture-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17341\";s:11:\"source_type\";s:13:\"media-library\";}}"],"content":["<p>Teknolojinin ba\u015f d\u00f6nd\u00fcr\u00fcc\u00fc h\u0131zlarda geli\u015fmesiyle birlikte, finansal hizmetler sekt\u00f6r\u00fcn\u00fcn gelecekteki ba\u015far\u0131lar\u0131, bu de\u011fi\u015fikliklerden en h\u0131zl\u0131 \u015fekilde yararlanabilecek ve bunlar\u0131 maksimum etkiyle kullanabilecek olan ki\u015filer taraf\u0131ndan belirlenecektir.<\/p>\r\n<p>Finans firmalar\u0131n\u0131n yans\u0131tt\u0131\u011f\u0131 imaj art\u0131k geride kald\u0131: \u00e7evrelerindeki d\u00fcnyan\u0131n de\u011fi\u015fen e\u011filimlerine kar\u015f\u0131 duyars\u0131z kalan sabit, g\u00f6rkemli kurumlar.<\/p>\r\n<p>Bunun yerine, g\u00fcn\u00fcm\u00fcz\u00fcn finansal hizmet i\u015fletmeleri, ihtiya\u00e7 duyuldu\u011funda daha dinamik bir ki\u015filik sunmal\u0131d\u0131r; en son yeniliklerden en iyi \u015fekilde yararlan\u0131rken, t\u00fcketicilerin h\u0131zla de\u011fi\u015fen ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layacak kadar \u00e7evik bir yap\u0131ya sahip olmal\u0131d\u0131r.<\/p>\r\n<p>Teknoloji, bu devrimin hem itici g\u00fcc\u00fc hem de etkinle\u015ftiricisidir. Geleneksel bankalar, - B\u00fcy\u00fck Teknolojinin b\u00fcy\u00fck devlerine; Apple, Google, Facebook, Microsoft, Amazon ve di\u011ferlerine kar\u015f\u0131 yerlerini kaybetmi\u015ftir. Benzer \u015fekilde, yeni giri\u015fimler, do\u011falar\u0131 gere\u011fi bu i\u015fte parmaklar\u0131 olan bu end\u00fcstri devlerine kar\u015f\u0131 ivmeyi s\u00fcrd\u00fcrmek i\u00e7in m\u00fccadele ettiler\u2026 her \u015fey iyi!<\/p>\r\n<p>Bu B\u00fcy\u00fck Teknoloji \u2018engelleyicilerinin\u2019 her biri, de\u011fi\u015fen davran\u0131\u015f \u015fekillerine kar\u015f\u0131 a\u015f\u0131r\u0131 duyarl\u0131 oldu\u011funu kan\u0131tlam\u0131\u015ft\u0131r. Her biri, yeni pazarlara zahmetsizce girebilmek i\u00e7in teknolojiyle donat\u0131lm\u0131\u015f olarak gelir. Bu hem finansal hizmetler ana dayanaklar\u0131 hem de yeni giri\u015fimler i\u00e7in kar\u015f\u0131 konulmas\u0131 gereken m\u00fcthi\u015f bir tekliftir.<\/p>\r\n<p>Bu yeni teknolojik ortam\u0131n anla\u015f\u0131lmas\u0131 ve sonsuz olas\u0131l\u0131klar\u0131n mevcut uygulamalara dahil edilmesi, gelecekteki finansal hizmetler ortam\u0131nda olmak i\u00e7in \u00e7ok \u00f6nemlidir. Sadece i\u015fletmeler i\u00e7in de\u011fil, m\u00fc\u015fteriler i\u00e7in de. Son birka\u00e7 y\u0131lda, bireyler olarak mali durumumuzla etkile\u015fim \u015feklimizin temelde yeniden ke\u015ffine tan\u0131k olduk. M\u00fc\u015fteri i\u00e7in b\u00fcy\u00fck avantajlar vard\u0131, ancak ayn\u0131 zamanda sa\u011flay\u0131c\u0131lar i\u00e7in de \u00f6nemli zorluklar ve f\u0131rsatlar vard\u0131. Ve teknoloji d\u00f6n\u00fc\u015f\u00fcm\u00fc yeni ba\u015fl\u0131yor.<\/p>\r\n<h2>Yenilik nas\u0131l <em>g\u00f6m\u00fcl\u00fc<\/em> hale gelecek<\/h2>\r\n<p>Finansal hizmet sa\u011flay\u0131c\u0131lar\u0131 de\u011fi\u015fen t\u00fcketici ihtiya\u00e7lar\u0131na yeterince h\u0131zl\u0131 adapte olmuyorsa, B\u00fcy\u00fck Teknoloji firmalar\u0131 bunu kategorilere ba\u011fl\u0131 olarak yapacakt\u0131r. T\u00fcketici seviyesinde ATM'lerin nakit \u00e7ekimleri veya para yat\u0131rma i\u015flemleri i\u00e7in kullan\u0131m\u0131n\u0131n azalmas\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurun. On y\u0131l \u00f6nce, 10 i\u015flemden alt\u0131s\u0131nda nakit kullan\u0131ld\u0131, ancak 2019 y\u0131l\u0131nda 10 sat\u0131n almada \u00fc\u00e7ten az kullan\u0131ld\u0131<a href=\"#_ftn1\""],"_content":[""],"_edit_lock":["1778593484:22"],"_edit_last":["22"],"_ame_cpe_post_policy":["{\"accessProtection\":{\"active\":\"replace\"}}"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":["2"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/perspectives\/14495","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/media\/14473"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/media?parent=14495"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}