{"id":42787,"date":"2024-07-09T19:14:41","date_gmt":"2024-07-09T16:14:41","guid":{"rendered":"https:\/\/wisetv.verimay.com\/?p=42787"},"modified":"2026-03-25T21:04:00","modified_gmt":"2026-03-25T18:04:00","slug":"bkmnin-ekosisteme-katkisi-nedir","status":"publish","type":"post","link":"https:\/\/wise.tv\/tr\/bkmnin-ekosisteme-katkisi-nedir\/","title":{"rendered":"BKM’nin ekosisteme katk\u0131s\u0131 nedir?"},"content":{"rendered":"

Ozan Deniz, BKM Genel M\u00fcd\u00fcr\u00fc olarak, BKM\u2019nin ekosisteme sa\u011flad\u0131\u011f\u0131 katk\u0131lara dair yapt\u0131\u011f\u0131 de\u011ferlendirmede \u015funlar\u0131 s\u00f6yledi:<\/p>\n

BKM, 1990 senesinde kurulmu\u015f, \u00f6demeler ekosistemine katk\u0131s\u0131 \u00e7ok muazzam olan bir kurulu\u015fumuzdur. \u0130lk kurulu\u015f amac\u0131 bankalararas\u0131 kart transferlerini y\u00f6nlendirme ve takas i\u015flemlerini ger\u00e7ekle\u015ftirmekti. 2000 senesinde Merkez Bankas\u0131’n\u0131n hakim ortak olmas\u0131yla birlikte hem g\u00f6revleri hem de kimli\u011fi biraz daha de\u011fi\u015fti ve geli\u015fti. Art\u0131k sadece kart transferleri de\u011fil, ayn\u0131 zamanda perakende \u00f6demeler taraf\u0131nda da bir altyap\u0131 sa\u011flay\u0131c\u0131 olarak \u00fclkemiz ekosistemine b\u00fcy\u00fck katk\u0131 sa\u011flamaktad\u0131r. \u00d6zellikle FAST \u00fczerine in\u015fa etti\u011fimiz katma de\u011ferli servisler, cep telefonuyla \u00f6deme yapmam\u0131z\u0131 sa\u011flayan Kolay Adresleme veya kare kod okutarak h\u0131zl\u0131 bir \u015fekilde \u00f6deme yapmam\u0131z\u0131 sa\u011flayan FAST TR Karekod ve ak\u0131\u015flar\u0131 gibi hizmetlerdir. Ulusal karekod standard\u0131n\u0131n belirlenmesi, \u00f6deme iste\u011fi kapman servisi gibi hizmetler de BKM taraf\u0131ndan geli\u015ftirilmekte ve devreye al\u0131nmaktad\u0131r. Dolay\u0131s\u0131yla \u00fclkemiz ekosisteminde FAST’\u0131n yayg\u0131nla\u015fmas\u0131 ve sadece para transferi de\u011fil, al\u0131\u015fveri\u015flerde ve \u00f6demelerde kullan\u0131lacak bir \u00f6deme y\u00f6ntemi olarak \u015fekillenmesinde \u00e7ok \u00f6nemli ve kritik rol oynamaktad\u0131r. Bunun yan\u0131nda, FAST’\u0131n daha da yayg\u0131nl\u0131\u011f\u0131n\u0131 art\u0131rmak ad\u0131na a\u00e7\u0131k bankac\u0131l\u0131k servisleri sa\u011flad\u0131\u011f\u0131 ge\u00e7it altyap\u0131s\u0131yla \u00e7ok kritik bir \u00f6neme sahiptir ve bu anlamda \u00e7al\u0131\u015fmalar\u0131m\u0131z\u0131 s\u00fcrd\u00fcrmekteyiz. \u00d6te yandan, yerli milli kart markam\u0131z Troy \u00fczerinde \u00f6nemle \u00e7al\u0131\u015fmalar\u0131m\u0131z\u0131 y\u00fcr\u00fct\u00fcyoruz. \u015eu anda pazar pay\u0131m\u0131z %12, fakat geldi\u011fimiz yol ve att\u0131\u011f\u0131m\u0131z ad\u0131mlar ile pazar pay\u0131m\u0131z\u0131 \u00e7ok daha \u00f6teye ta\u015f\u0131mak istiyoruz.<\/p><\/blockquote>\n

BKM’nin Kurulu\u015fu ve \u0130lk Y\u0131llar\u0131<\/h2>\n

1990 y\u0131l\u0131nda kurulan Bankalararas\u0131 Kart Merkezi (BKM), T\u00fcrkiye’nin finansal altyap\u0131s\u0131nda \u00f6nemli bir rol oynamaktad\u0131r. \u0130lk kurulu\u015f amac\u0131, bankalararas\u0131 kart transferlerini y\u00f6nlendirmek ve takas i\u015flemlerini ger\u00e7ekle\u015ftirmek olan BKM, zamanla g\u00f6rev ve kimli\u011fini geni\u015fleterek \u00fclkemizin \u00f6demeler ekosistemine b\u00fcy\u00fck katk\u0131lar sa\u011flam\u0131\u015ft\u0131r.<\/p>\n

Merkez Bankas\u0131’n\u0131n Katk\u0131s\u0131 ve Geli\u015fim S\u00fcreci<\/h2>\n

2000 y\u0131l\u0131nda Merkez Bankas\u0131’n\u0131n hakim ortak olmas\u0131yla birlikte BKM’nin g\u00f6revleri ve kimli\u011fi daha da geli\u015fmi\u015ftir. Bu de\u011fi\u015fim, BKM’nin sadece kart transferleri de\u011fil, ayn\u0131 zamanda perakende \u00f6demeler taraf\u0131nda da bir altyap\u0131 sa\u011flay\u0131c\u0131 olarak hizmet vermesine olanak tan\u0131m\u0131\u015ft\u0131r. Bu geli\u015fim, BKM’nin finansal teknolojilerdeki yenilik\u00e7i yakla\u015f\u0131m\u0131n\u0131 ve sekt\u00f6re olan katk\u0131s\u0131n\u0131 art\u0131rm\u0131\u015ft\u0131r.<\/p>\n

FAST ve Katma De\u011ferli Servisler<\/h2>\n

BKM, FAST (Fonlar\u0131n Anl\u0131k ve S\u00fcrekli Transferi) sistemi \u00fczerine in\u015fa etti\u011fi katma de\u011ferli servislerle dikkat \u00e7ekmektedir. Cep telefonuyla \u00f6deme yapmay\u0131 sa\u011flayan Kolay Adresleme ve kare kod okutarak h\u0131zl\u0131 \u00f6deme yapmay\u0131 m\u00fcmk\u00fcn k\u0131lan FAST TR Karekod gibi hizmetler, BKM’nin yenilik\u00e7i \u00e7\u00f6z\u00fcmlerinden sadece birka\u00e7\u0131d\u0131r. Bu servisler, ulusal karekod standard\u0131n\u0131n belirlenmesi gibi \u00f6nemli ad\u0131mlarla desteklenmektedir.<\/p>\n

G\u00fcvenlik ve \u00d6deme \u0130stek Servisleri<\/h2>\n

BKM, \u00f6deme i\u015flemlerinin g\u00fcvenli bir \u015fekilde ger\u00e7ekle\u015ftirilmesi i\u00e7in \u00e7e\u015fitli g\u00fcvenlik katman servisleri geli\u015ftirmi\u015ftir. \u00d6deme iste\u011fi kapman servisi gibi hizmetler, kullan\u0131c\u0131lar\u0131n g\u00fcvenli bir \u015fekilde \u00f6deme yapmalar\u0131n\u0131 sa\u011flamaktad\u0131r. Bu servisler, BKM’nin g\u00fcvenlik konusundaki hassasiyetini ve sekt\u00f6re olan katk\u0131s\u0131n\u0131 g\u00f6stermektedir.<\/p>\n

A\u00e7\u0131k Bankac\u0131l\u0131k ve Ge\u00e7it Altyap\u0131s\u0131<\/h2>\n

BKM, FAST’\u0131n yayg\u0131nl\u0131\u011f\u0131n\u0131 art\u0131rmak ad\u0131na a\u00e7\u0131k bankac\u0131l\u0131k servisleri ve ge\u00e7it altyap\u0131s\u0131 \u00fczerinde \u00e7al\u0131\u015fmalar\u0131n\u0131 s\u00fcrd\u00fcrmektedir. Bu altyap\u0131, finansal hizmetlerin daha eri\u015filebilir ve kullan\u0131c\u0131 dostu olmas\u0131n\u0131 sa\u011flamaktad\u0131r. BKM’nin bu alandaki \u00e7al\u0131\u015fmalar\u0131, T\u00fcrkiye’nin finansal teknolojilerdeki geli\u015fimine \u00f6nemli katk\u0131lar sunmaktad\u0131r.<\/p>\n

Yerli ve Milli Kart Markas\u0131: Troy<\/h2>\n

BKM, yerli ve milli kart markas\u0131 Troy \u00fczerinde de \u00f6nemli \u00e7al\u0131\u015fmalar y\u00fcr\u00fctmektedir. Troy, T\u00fcrkiye’nin kendi \u00f6deme sistemine sahip olmas\u0131n\u0131 sa\u011flayarak, finansal ba\u011f\u0131ms\u0131zl\u0131k ve g\u00fcvenli\u011fi art\u0131rmaktad\u0131r. BKM, Troy’un pazar pay\u0131n\u0131 art\u0131rmak i\u00e7in stratejik ad\u0131mlar atmaktad\u0131r.<\/p>\n

Sonu\u00e7<\/h2>\n

BKM, T\u00fcrkiye’nin finansal ekosistemine yapt\u0131\u011f\u0131 katk\u0131larla dikkat \u00e7eken bir kurulu\u015ftur. Kurulu\u015fundan bu yana, bankalararas\u0131 kart transferlerinden perakende \u00f6demelere kadar geni\u015f bir yelpazede hizmet sunmaktad\u0131r. Merkez Bankas\u0131’n\u0131n katk\u0131s\u0131yla geli\u015fen BKM, FAST ve Troy gibi yenilik\u00e7i \u00e7\u00f6z\u00fcmlerle sekt\u00f6rde \u00f6nc\u00fc bir rol oynamaktad\u0131r. G\u00fcvenlik, a\u00e7\u0131k bankac\u0131l\u0131k ve yerli kart markas\u0131 gibi alanlarda yapt\u0131\u011f\u0131 \u00e7al\u0131\u015fmalar, BKM’nin T\u00fcrkiye’nin finansal teknolojilerdeki geli\u015fimine olan katk\u0131s\u0131n\u0131 g\u00f6stermektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"Ozan Deniz, BKM Genel M\u00fcd\u00fcr\u00fc olarak, BKM\u2019nin ekosisteme sa\u011flad\u0131\u011f\u0131 katk\u0131lara dair yapt\u0131\u011f\u0131 de\u011ferlendirmede \u015funlar\u0131 s\u00f6yledi: BKM, 1990 senesinde […]\n","protected":false},"author":1654,"featured_media":48783,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7020,6948,6543,6935,7004,1580,1579],"tags":[7022],"class_list":["post-42787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cozum-videolari","category-fintech-odeme-sistemleri","category-acik-bankacilik","category-security","category-fraud-prevention-suistimalin-onlenmesi","category-teknoloji","category-fintech","tag-bkm"],"acf":[],"_links":{"self":[{"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/posts\/42787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/users\/1654"}],"replies":[{"embeddable":true,"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/comments?post=42787"}],"version-history":[{"count":0,"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/posts\/42787\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/media\/48783"}],"wp:attachment":[{"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/media?parent=42787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/categories?post=42787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wise.tv\/tr\/wp-json\/wp\/v2\/tags?post=42787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}