{"id":15438,"date":"2022-03-24T00:00:00","date_gmt":"2022-03-24T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/gelecegin-finansmani\/"},"modified":"2026-05-12T13:28:16","modified_gmt":"2026-05-12T13:28:16","slug":"gelecegin-finansmani","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/perspectives\/gelecegin-finansmani\/","title":{"rendered":"Gelece\u011fin finansman\u0131"},"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-15438","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is 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olmu\u015ftur.<\/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\":1417,\"to_translate\":{\"ar\":1417,\"zh-hans\":1417,\"fr\":1417,\"ja\":1417,\"es\":1417,\"tr\":1417}}"],"_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: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: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: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\";}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\";}}"],"_edit_lock":["1778592421:22"],"content":["<p>T\u00fcrkiye\u2019deki <a href=\"https:\/\/www.toyota.com.tr\/\">Toyota<\/a> ve <a href=\"https:\/\/www.lexus.com.tr\/\">Lexus<\/a> bayilerinden bir araba sat\u0131n almak isteyen t\u00fcketicilere finansal hizmetler sunmak i\u00e7in 2011 y\u0131l\u0131nda Abdul Latif Jameel b\u00fcnyesinde kurulan <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>, T\u00fcrk t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcn\u00fcn \u00f6nemli bir akt\u00f6r\u00fc haline gelerek en h\u0131zl\u0131 b\u00fcy\u00fcyen finansman kurulu\u015flar\u0131ndan biri olmu\u015ftur.<\/p>\r\n<p><img class=\"alignleft size-medium wp-image-97106\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-300x168.jpg\" alt=\"ALJ Finans logo\" width=\"300\" height=\"168\" \/>Devrim niteli\u011finde hizmetler ve robotik s\u00fcre\u00e7 otomasyonu, karar destek otomasyonu, m\u00fc\u015fteri e-bak\u0131m\u0131, KredimOL mobil uygulamas\u0131 ve e-s\u00f6zle\u015fme gibi T\u00fcrk t\u00fcketici finans piyasas\u0131na getirdi\u011fi baz\u0131 \u201cilkler\u201d ile otomotiv finansman\u0131nda inovasyon lideri olarak son derece sayg\u0131n bir konum elde etmi\u015ftir.<\/p>\r\n<p>\u0130cra Kurulu Ba\u015fkan\u0131 Bet\u00fcg\u00fcl Toker, bu ba\u015far\u0131l\u0131 ilerleyi\u015fi s\u00fcrd\u00fcrmeyi ve ALJ Finans\u2019\u0131n geli\u015fimini bir sonraki b\u00fcy\u00fcme d\u00f6neminde de desteklemeyi hedeflemektedir. Betty ile T\u00fcrkiye\u2019deki t\u00fcketici finans piyasas\u0131n\u0131n mevcut dinamikleri ve ALJ Finans\u2019\u0131 gelece\u011fe ta\u015f\u0131yacak iddial\u0131 planlar\u0131 hakk\u0131nda konu\u015ftuk.<\/p>\r\n<p><iframe src=\"\/\/www.youtube.com\/embed\/46C25qdwabo\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\r\n<h2>ALJ Finans\u2019a ne zaman kat\u0131ld\u0131n\u0131z?<\/h2>\r\n<p><a href=\"https:\/\/alj.com\">Abdul Latif Jameel<\/a> ailesine 2021\u2019in Eyl\u00fcl ay\u0131nda kat\u0131ld\u0131m. Esas uzmanl\u0131k alan\u0131m bireysel bankac\u0131l\u0131k. Kariyerime 2000 y\u0131l\u0131nda QNB Finansbank\u2019ta y\u00f6netici aday\u0131 olarak ba\u015flad\u0131m ve 8,5 y\u0131l bu g\u00f6revi icra ettim. Daha sonra, o d\u00f6nem T\u00fcrkiye\u2019nin ikinci b\u00fcy\u00fck bankas\u0131 olan Akbank\u2019a ge\u00e7tim. D\u00f6rt y\u0131l boyunca orada \u00e7al\u0131\u015ft\u0131m ancak oda\u011f\u0131mda hep perakende veya t\u00fcketici bankac\u0131l\u0131\u011f\u0131 \u00f6deme sistemleri vard\u0131. Bu alana ilk kez y\u00f6neldi\u011fimde, dijital bankac\u0131l\u0131k hen\u00fcz T\u00fcrkiye\u2019de ger\u00e7ek anlamda ilgi g\u00f6rm\u00fcyordu. Ayr\u0131 bir i\u015f kolu yerine sadece alternatif bir hizmet kanal\u0131 olarak g\u00f6r\u00fcl\u00fcyordu. \u00dcr\u00fcn geni\u015fletme, veri analizi, m\u00fc\u015fteri ili\u015fkileri y\u00f6netimi ve \u00fc\u00e7\u00fcnc\u00fc taraf i\u015f birlikleri gibi dijital teknolojinin muazzam bir potansiyele sahip oldu\u011funu alanlara odakland\u0131m.<\/p>\r\n<p>B\u00f6lgedeki en b\u00fcy\u00fck bankac\u0131l\u0131k gruplar\u0131ndan biri olan ve T\u00fcrkiye\u2019ye Odeabank ismiyle giren Bank Audi Group, bireysel bankac\u0131l\u0131k b\u00f6l\u00fcm\u00fcn\u00fcn y\u00f6netimi i\u00e7in benimle ileti\u015fime ge\u00e7ti. Bu, bir i\u015fi s\u0131f\u0131rdan al\u0131p b\u00fcy\u00fctebilece\u011fim bir \u015fanst\u0131. Hemen kabul ettim ve oda\u011f\u0131m\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc teknolojiye y\u00f6nlendirerek be\u015f y\u0131l boyunca orada g\u00f6rev yapt\u0131m. Daha sonra T\u00fcrkiye\u2019deki en b\u00fcy\u00fck yat\u0131r\u0131m bankas\u0131 olan Aktif Bank bana ula\u015ft\u0131 ve \u00f6deme sistemleri, kartlar, genel fintech ortam\u0131 dahil olmak \u00fczere dijital bankac\u0131l\u0131k i\u015flerini kurmalar\u0131na yard\u0131mc\u0131 olmam\u0131 istediler. Aktif Bank\u2019\u0131n ard\u0131ndan da <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>\u2019a ge\u00e7tim.<\/p>\r\n<h2>Sizi ALJ Finans\u2019taki g\u00f6revinize \u00e7eken neydi?<\/h2>\r\n<p>ALJ Finans\u2019\u0131 halihaz\u0131rda biliyordum. Aktif Bank\u2019ta ge\u00e7irdi\u011fim s\u00fcre boyunca daha da dikkatimi \u00e7ekti. Abdul Latif Jameel\u2019in b\u00fcy\u00fck bir k\u00fcresel akt\u00f6r oldu\u011funu biliyordum ve ALJ Finans\u2019\u0131n, T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 taraf\u0131nda nispeten k\u00fc\u00e7\u00fck olmas\u0131na ra\u011fmen, b\u00fcy\u00fck planlar\u0131n\u0131n oldu\u011funu ve \u00f6zellikle dijital tarafta i\u015fleri b\u00fcy\u00fctmek ve geni\u015fletmek i\u00e7in \u00e7ok fazla yat\u0131r\u0131m yapt\u0131klar\u0131n\u0131 g\u00f6rebiliyordum. Burada, ALJ Finans\u2019\u0131n cesur hedeflerine ula\u015fmas\u0131na yard\u0131mc\u0131 olmak i\u00e7in liderlik deneyimimi ve dijital bankac\u0131l\u0131ktaki uzmanl\u0131\u011f\u0131m\u0131 bir araya getirebilece\u011fim harika bir f\u0131rsat g\u00f6rd\u00fcm.<\/p>\r\n<h2>T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 pazar\u0131 nas\u0131l de\u011fi\u015fiyor?<\/h2>\r\n<p>T\u00fcketici finansman\u0131 ve bankac\u0131l\u0131k ayr\u0131 iki sekt\u00f6rd\u00fcr. Bankac\u0131l\u0131k sekt\u00f6r\u00fc, 40 milyon aktif m\u00fc\u015fterisi ile son derece sa\u011flam ve belirli kurallara ba\u011fl\u0131 bir sekt\u00f6rd\u00fcr. T\u00fcketici finansman\u0131 yeni bir sekt\u00f6r ancak h\u0131zla geni\u015fliyor. \u00d6zellikle dijital ve fintech taraf\u0131nda daha fazla b\u00fcy\u00fcyebilece\u011fi hala \u00e7ok fazla alan var. Olduk\u00e7a rekabet\u00e7i bir yap\u0131ya sahiptir. Fintech \u015firketleri \u00f6nce i\u015flerini geli\u015ftirmeye odaklan\u0131yor. Sa\u011flam bir temel olu\u015fturarak t\u00fcketici finansman\u0131 lisans\u0131 veya \u00f6deme lisans\u0131 gibi di\u011fer finansal lisanslara ba\u015fvurmak i\u00e7in daha iyi bir konumda bulunuyorlar. Eskiden tam tersiydi; \u00f6nce lisans al\u0131n\u0131r, sonra i\u015f kurulur ve ard\u0131ndan di\u011fer lisanslar al\u0131n\u0131rd\u0131.<\/p>\r\n<p>Genel itibariyle b\u00fcy\u00fck bankalar, genel ama\u00e7l\u0131 krediler ve konut kredisi gibi alanlarda bask\u0131nd\u0131r; ancak t\u00fcketici finansman\u0131 sa\u011flayan kurulu\u015flar, otomotiv finansman\u0131 gibi baz\u0131 pazarlarda %35\u2019lik paylar\u0131yla g\u00fc\u00e7l\u00fc bir varl\u0131k g\u00f6stermektedir. ALJ Finans\u2019ta hedefledi\u011fim \u015fey bu oran\u0131n daha da y\u00fcksek seviyelere ula\u015fmas\u0131d\u0131r.<\/p>\r\n<h2>\u00d6n\u00fcm\u00fczdeki \u00fc\u00e7 y\u0131l i\u00e7inde t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcn\u00fcn beklentileri nelerdir?<\/h2>\r\n<p>Bu sekt\u00f6r\u00fcn, yeni finansman alanlar\u0131na girerek \u00f6n\u00fcm\u00fczdeki \u00fc\u00e7 y\u0131l i\u00e7inde \u00f6nemli \u00f6l\u00e7\u00fcde b\u00fcy\u00fcyece\u011fini tahmin ediyorum. Bu zaman aral\u0131\u011f\u0131nda %50\u2019nin \u00fczerinde bir k\u00fcm\u00fclatif b\u00fcy\u00fcme rakam\u0131na ula\u015fmak \u015fa\u015f\u0131rt\u0131c\u0131 olmayacakt\u0131r. Ara\u00e7 fiyatlar\u0131n\u0131n artmas\u0131 kredi talebini art\u0131racakt\u0131r. Faiz oranlar\u0131nda g\u00f6r\u00fclebilecek olas\u0131 bir d\u00fc\u015f\u00fc\u015f de benzer \u015fekilde talebin artmas\u0131n\u0131 sa\u011flayacakt\u0131r. Otomotiv d\u0131\u015f\u0131ndaki t\u00fcketici elektroni\u011fi ve ev e\u015fyalar\u0131 gibi \u00fcr\u00fcnlerin finansman \u00e7\u00f6z\u00fcmlerinde b\u00fcy\u00fcmenin yan\u0131 s\u0131ra toplam kredi hacimlerinde finansman \u015firketlerinin pay\u0131nda bir art\u0131\u015f g\u00f6rmeyi bekliyoruz. Sa\u011flam temellere dayanan bu dinamikler nedeniyle \u00f6zellikle otomotiv d\u0131\u015f\u0131 finansman taraf\u0131nda piyasaya daha fazla oyuncunun girmesini olas\u0131d\u0131r. Bu y\u00fczden rekabet de daha fazla olacakt\u0131r.<\/p>\r\n<h2>Otomotiv finansman\u0131n\u0131n, T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcne egemen olmaya devam etmesini bekliyor musunuz?<\/h2>\r\n<p><img class=\"alignleft  wp-image-97113\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-300x283.jpg\" alt=\"ALJ Finans brands\" width=\"210\" height=\"198\" \/>\u015eimdilik, evet. Ancak be\u015f y\u0131l i\u00e7inde, genel ama\u00e7l\u0131 kredilerdeki b\u00fcy\u00fcme ile bu dengenin de\u011fi\u015fmeye ba\u015flayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\r\n<p>Otomotiv finansman\u0131 kolay bir se\u00e7enektir, her ara\u00e7 belirli de\u011feri olan bir varl\u0131kt\u0131r. Bir \u015feyler ters giderse elinizde satabilece\u011finiz g\u00fczel ve b\u00fcy\u00fck bir varl\u0131k vard\u0131r. Finansman i\u015finin di\u011fer alanlar\u0131nda durum o kadar net de\u011fil. Ancak bunun de\u011fi\u015fti\u011fini d\u00fc\u015f\u00fcn\u00fcyorum ve ALJ Finans olarak bu de\u011fi\u015fimin bir par\u00e7as\u0131 olmay\u0131 hedefliyoruz. Finansman \u00e7\u00f6z\u00fcmlerinin cep telefonlar\u0131ndan mobilyalara ve beyaz e\u015fyalara kadar \u00e7ok \u00e7e\u015fitli varl\u0131klarda daha yayg\u0131n hale geldi\u011fini g\u00f6rece\u011fimizi d\u00fc\u015f\u00fcn\u00fcyorum. Odakland\u0131\u011f\u0131m\u0131z alanlardan biri de bu.<\/p>\r\n<h2>T\u00fcrkiye\u2019deki fintech ortam\u0131nda nas\u0131l bir gidi\u015fat var?<\/h2>\r\n<p><img class=\"alignright size-medium wp-image-97120\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo-300x126.jpg\" alt=\"\" width=\"300\" height=\"126\" \/>T\u00fcrkiye\u2019deki fintech ortam\u0131 olduk\u00e7a dinamik. Yakla\u015f\u0131k 250 fintech \u015firketi bulunuyor. Bu \u015firketlerin 50\u2019den fazlas\u0131, e-para veya \u00f6deme hizmetleri lisans\u0131na sahip. Bu \u015firketler aras\u0131nda bir adet \u201cdecacorn\u201d \u015firket (de\u011feri 10 milyar ABD dolar\u0131n\u0131 a\u015fan), d\u00f6rt adet unicorn \u015firket (de\u011feri 1 milyar ABD dolar\u0131n\u0131 a\u015fan) ve bir adet halka arz edilmi\u015f \u015firketin yan\u0131 s\u0131ra 680 milyon ABD dolar\u0131n\u0131n \u00fczerinde giri\u015fim sermayesini \u00e7ekmeyi ba\u015farm\u0131\u015f 127 oyun giri\u015fimi var.<\/p>\r\n<p>Bunlar\u0131n \u00e7o\u011fu hali haz\u0131rda e-para lisanslar\u0131na ba\u015fvurmu\u015f veya ba\u015fvuracak olan 250 fintech \u015firketidir. Peki, strateji nedir? E-para sistemi, \u00f6demeleri ve kartlar\u0131 i\u00e7erir; bu nedenle m\u00fc\u015fterilerin c\u00fczdan\u0131na veya daha \u00f6tesinde ak\u0131ll\u0131 telefonlar\u0131na girmenin harika bir yoludur. Kendinizi bu alanda konumland\u0131rd\u0131\u011f\u0131n\u0131zda daha fazla lisans i\u00e7in ba\u015fvurabilir, di\u011fer alanlara geni\u015fleyebilir ve daha fazla yat\u0131r\u0131m \u00e7ekebilirsiniz. Bir noktadan sonra bu \u015firketlerin, T\u00fcrk h\u00fck\u00fcmetinin de \u00e7ok fazla destekledi\u011fi bir alan olan, tam te\u015fekk\u00fcll\u00fc bir dijital banka olup olmamaya karar vermeleri gerekecek. Bu \u00e7ok heyecan verici ve h\u0131zla hareket eden bir piyasa.<\/p>\r\n<p><img class=\"aligncenter size-full wp-image-97099\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/KredimOL-App-scaled.jpg\" alt=\"KredimOL App\" width=\"2560\" height=\"856\" \/><\/p>\r\n<h2>Fintech pazar\u0131ndaki bu dinamizm, ALJ Finans gibi hizmet sa\u011flay\u0131c\u0131lar i\u00e7in ne anlama geliyor?<\/h2>\r\n<p>Bence do\u011fru yolda oldu\u011fumuzu g\u00f6steriyor. <em>Dijital d\u00fc\u015f\u00fcnmek<\/em> ve m\u00fc\u015fterileri dijital evreninin tam merkezine koymak zorundas\u0131n\u0131z. M\u00fc\u015fteri deneyimine yat\u0131r\u0131m yapmazsan\u0131z, s\u0131f\u0131r de\u011fere sahip olursunuz.<\/p>\r\n<p>ALJ Finans\u2019ta da zaten bunu yap\u0131yoruz. M\u00fc\u015fterilerimizi merkeze koyuyoruz ve ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in onlar\u0131 \u00e7evreleyen bir teknoloji in\u015fa ediyoruz. Teknoloji sistemimiz olan kredi platformumuzu, dijital \u00f6ncelikli \u00e7\u00f6z\u00fcmler olu\u015fturmam\u0131z\u0131 sa\u011flayacak \u015fekilde g\u00fcncelliyoruz ve gelecekte inovasyon kabiliyetlerimizi geli\u015ftirmek i\u00e7in \u015firket b\u00fcnyesinde teknoloji ekibimizi olu\u015fturuyoruz.<\/p>\r\n<h2>ALJ Finans i\u00e7in \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131ldaki planlar\u0131n\u0131z nelerdir?<\/h2>\r\n<p>Bu y\u0131l, 2022 bizim i\u00e7in bir b\u00fcy\u00fcme y\u0131l\u0131 olacak. 2021\u2019in sonuna geldik ve kredilerde bir \u00f6nceki y\u0131la oranla %64 art\u0131\u015f kaydettik. 2019 sonunda %3,5 olan pazar pay\u0131m\u0131z 2021 sonunda %5\u2019e \u00e7\u0131kt\u0131.<\/p>\r\n<p>\u015eimdiki hedefimiz 2022\u2019de bu rakam\u0131 en az 2 puan daha art\u0131rmak. 2021 y\u0131l\u0131nda m\u00fc\u015fteri hacmini %15 art\u0131rd\u0131k. Bu y\u0131l, bu rakam\u0131 %25 art\u0131rmak istiyoruz ve kredi portf\u00f6y\u00fcm\u00fcz\u00fcn %50\u2019den fazla b\u00fcy\u00fcmesini bekliyoruz.<\/p>\r\n<p>\u015eu anda ALJ Finans, daha \u00e7ok otomotiv finansman\u0131 i\u015fiyle ilgileniyor. \u00dc\u00e7 y\u0131l i\u00e7inde bu durum de\u011fi\u015fecektir. T\u00fcketicileri tek bir \u201cs\u00fcper uygulama\u201d ile otomotiv de dahil olmak \u00fczere \u00e7e\u015fitli sekt\u00f6rlerdeki finans \u00e7\u00f6z\u00fcmlerine ba\u011flayan dijital bir t\u00fcketici finans platformunu piyasaya sunaca\u011f\u0131z. Bunun i\u015fe yaramas\u0131 i\u00e7in daha fazla t\u00fcketiciyi platformumuza \u00e7ekmemiz gerekecek. \u00d6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l boyunca, t\u00fcketicileri \u00e7ekmek ve finans ekosistemimiz i\u00e7inde tutmak i\u00e7in ak\u0131ll\u0131 sistemleri devreye sokmak amac\u0131yla ortakl\u0131klar kurmaya ve B\u00fcy\u00fck Veri ve Yapay Zekadan faydalanmaya odaklanaca\u011f\u0131z.<\/p>\r\n<p>Amac\u0131m\u0131z T\u00fcrkiye\u2019nin en iyi dijital finans \u015firketi olmak. Bug\u00fcn, halihaz\u0131rda u\u00e7tan uca uygulamalar sunuyoruz ve krediler an\u0131nda onaylanarak ilgili hizmet noktalar\u0131nda kullan\u0131labiliyor. \u015eimdi hedefimiz bu s\u00fcre\u00e7leri yeniden yazmak ve uygulamay\u0131 tamamen yeniden tasarlamak. Bu yenili\u011fi 2022\u2019nin Eyl\u00fcl ay\u0131nda piyasaya sunmay\u0131 hedefliyoruz. \u00d6n\u00fcm\u00fczdeki y\u0131l i\u015flemlerin 4\u2019te 1\u2019ini dijital ortamda ger\u00e7ekle\u015ftirmeyi hedefliyoruz.<\/p>\r\n<h2>B\u00fcy\u00fck oyuncular\u0131n de\u011fi\u015fen pazar dinamiklerine nas\u0131l yan\u0131t vermesini bekliyorsunuz?<\/h2>\r\n<p>B\u00fcy\u00fck bankalar, bu alandaki pozisyonlar\u0131n\u0131 \u00e7oktan g\u00fcncellemeye ba\u015flad\u0131. Sadece \u201cbanka\u201d olarak g\u00f6r\u00fclen imajlar\u0131ndan uzakla\u015f\u0131yor ve kendilerini \u00e7ok daha geni\u015f bir finansal \u00fcr\u00fcn yelpazesi sa\u011flay\u0131c\u0131s\u0131 olarak konumland\u0131rmak i\u00e7in kendi platformlar\u0131n\u0131 kurmaya \u00e7al\u0131\u015f\u0131yorlar. Baz\u0131 bankalar bunu mevcut markalar\u0131n\u0131n i\u00e7inde yaparken baz\u0131lar\u0131 da kendi finansal teknoloji \u015firketlerini kuruyor. Bu devam edecek ve etmesi de iyi bir \u015fey. Piyasa bu t\u00fcr de\u011fi\u015fikliklere haz\u0131r.<\/p>\r\n\r\n[caption id=\"attachment_97092\" align=\"aligncenter\" width=\"2560\"]<img class=\"size-full wp-image-97092\" src=\"https:\/\/alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-scaled.jpg\" alt=\"The ALJ Finans team\" width=\"2560\" height=\"1153\" \/> ALJ Finans ekibi[\/caption]\r\n\r\n<h2>Pandeminin en k\u00f6t\u00fc d\u00f6nemini umuyoruz ki geride b\u0131rakmak \u00fczereyiz. 2022 i\u00e7in beklentileriniz neler?<\/h2>\r\n<p>Bu y\u0131l hem enflasyonist ortam\u0131n hem de otomotiv pazar\u0131ndaki hareketlili\u011fin deste\u011fiyle T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcnde \u00f6nemli bir b\u00fcy\u00fcme bekliyoruz. Yeni COVID-19 varyantlar\u0131n\u0131n ortaya \u00e7\u0131kmas\u0131 zaman zaman belirsizliklere neden olsa da pandeminin etkilerinin 2022 y\u0131l\u0131nda bir miktar azalaca\u011f\u0131n\u0131 tahmin ediyoruz. Y\u0131l\u0131n ortas\u0131ndan itibaren k\u00fcresel enflasyonla ilgili endi\u015felerin azalmas\u0131n\u0131 bekliyoruz. Normalle\u015fmeye y\u00f6nelik ad\u0131mlar atmaya ba\u015flayaca\u011f\u0131z.<\/p>\r\n<p>Ayn\u0131 \u015fekilde ALJ Finans i\u00e7in \u00f6nceli\u011fim b\u00fcy\u00fcme olacak. M\u00fc\u015fteri say\u0131s\u0131nda ve m\u00fc\u015fteri deneyimine yapt\u0131\u011f\u0131m\u0131z yat\u0131r\u0131mlarda b\u00fcy\u00fcme sa\u011flamak. Oldu\u011fumuz gibi devam edebilir ve hala daha \u00e7ok ba\u015far\u0131l\u0131 bir i\u015fletme olmaya devam edebiliriz; ancak hedeflerimiz bundan \u00e7ok daha b\u00fcy\u00fck.<\/p>\r\n<p>Bu; teknoloji, veri, analiz ve yapay zeka gibi dijital platformumuzdaki t\u00fcm alanlara yat\u0131r\u0131m yapmam\u0131z demek oluyor. 2023 y\u0131l\u0131n\u0131n sonuna kadar buna odaklanaca\u011f\u0131z. Bir di\u011fer \u00f6nceli\u011fimiz ise e-para lisans\u0131 almak. \u015eu anda bir finansal hizmetler i\u015fletmesiyiz ancak ula\u015fmak istedi\u011fimiz b\u00fcy\u00fcme hedeflerimiz i\u00e7in bu yeterli de\u011fil. E-para lisans\u0131 ile para transferi, banka kart\u0131, \u00f6deme ve t\u00fcketici kredisi gibi hizmetler de sunabilece\u011fiz. Bu, bize m\u00fc\u015fteri c\u00fczdan\u0131 pay\u0131nda \u00e7ok daha b\u00fcy\u00fck bir alan ve stratejik hedeflerimize ula\u015fmak i\u00e7in \u00e7ok daha fazla f\u0131rsat sunacakt\u0131r.<\/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\/tr\/wp-json\/wp\/v2\/perspectives\/15438","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\/15422"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/tr\/wp-json\/wp\/v2\/media?parent=15438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}