Bankacılık sektöründe finansal teknoloji (FinTek) uygulamaları: Türkiye ve Azerbaycan karşılaştırması
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Tarih
2024
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Hitit Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Finansal teknolojinin bankacılık sektörüne girişi, dünya çapında yeni hizmetler, yeni ürünler ve müşteriye yeni bir teslimat yöntemi sunan yeni dijital teknoloji platformlarının doğuşuna tanık olmuştur. Finansal teknoloji, maliyet kazanımının azaltılmasına ve uygulamada zamandan ve emekten tasarruf edilmesine yardımcı olduğundan, yeni iş, teknolojik ilerlemelerle mevcut işlere meydan okumaktadır. Bu finansal teknoloji platformları (FinTek'ler) kitlesel fonlama, ödemeler, varlık yönetimi, borç verme, sermaye piyasaları ve sigorta hizmetleri gibi birçok biçimde ortaya çıkmıştır. Geleneksel bankalar müşterilerine daha iyi ürün ve hizmetler sunabilmek için yeni teknolojiye ayak uyduramamaktadır. Tez çalışmasında yapay zeka, blok zinciri ve nesnelerin interneti gibi teknolojilerden faydalanarak kripto para, açık bankacılık, kitlesel fonlama, eşler arası borçlanma, robot danışmanlık uygulamaları geliştiren finansal teknoloji inovasyonu, ulusal ve uluslararası örneklerle açıklanmıştır. Tez çalışmasının son bölümünde Türkiye ve Azerbaycan finansal teknoloji (FinTek) ekosistemi karşılaştırmalı analiz edilmiştir. Küresel Finans Merkezi İndeksi ve Küresel İnovasyon İndeksi gibi önemli indikatör verilerinden çıkarılan bulgulara göre Türkiye ve Azerbaycan finansal teknoloji ekosistemi dönemsel eğilimler açısından belirgin farklılıklar ve kendine yönelik jeopolitik avantajlar sağladıkları belirlenmişdir. Araştırmaların diğer önemli küresel indekslerle yapılmamasının nedeni Azerbaycan`ın genç ekonomisi ve daha gelişim aşamasında olduğu finansal teknoloji ekosistemidir. Bu nedenle ülke sadece söz konusu iki indeksle karşılaştırmaya dahil edilmiştir. Diğer tarafdan çalışmanın karşılaştırma bölümünde Azerbaycan`ın dijital bankacılık ve finansal teknoloji sistemi ile ilgili bilgilerin kısıtlılığı ve kamu kuruluşların, özel kurumların, derneklerin daha az kapsamlı bilgilerle yetinmesinden dolayı gelmektedir. Karşılaştırmalardan edinilen sonuçlara göre Azerbaycan finansal teknoloji ekosisteminde Türkiye`den geri kalmaktadır. Azerbaycan`ın kardeş ülke Türkiye`den bu konuda daha öğreneceği çok şey vardır. Azerbaycan Güney Kafkasya`nın finansal teknoloji ve dijitalleşme alanında merkez olması için daha çok çalışma yapması gerekmektedir.
The introduction of financial technology into the banking sector has witnessed the emergence of new digital technology platforms that offer new services, new products and a new delivery method to the customer worldwide. As financial technology helps in reducing cost gains and saving time and effort in implementation, new business challenges the existing business with technological advancements. These financial technology platforms (FinTechs) have emerged in many forms such as crowdfunding, payments, asset management, lending, capital markets and insurance services. Traditional banks are unable to keep up with new technology to provide better products and services to their customers. In the thesis study, financial technology innovation that develops cryptocurrency, open banking, crowdfunding, peer-to-peer lending, robot consulting applications by utilizing technologies such as artificial intelligence, blockchain and internet of things is explained with national and international examples. In the last section of the thesis, the financial technology (FinTech) ecosystem of Turkey and Azerbaijan is analyzed comparatively. According to the findings obtained from important indicator data such as the Global Financial Center Index and the Global Innovation Index, it has been determined that Turkey and Azerbaijan have significant differences in terms of periodic trends and geopolitical advantages for their financial technology ecosystems. The reason why the research was not conducted with other important global indexes is Azerbaijan's young economy and its financial technology ecosystem, which is still in the development stage. Therefore, the country was included in the comparison with only these two indexes. On the other hand, the comparison section of the study is due to the limited information on Azerbaijan's digital banking and financial technology system and the fact that public institutions, private institutions and associations are content with less comprehensive information. According to the results obtained from the comparisons, Azerbaijan lags behind Turkey in the financial technology ecosystem. Azerbaijan has a lot to learn from its brother country Turkey in this regard. Azerbaijan needs to do more work to become the center of the South Caucasus in the financial technology and digitalization field.
The introduction of financial technology into the banking sector has witnessed the emergence of new digital technology platforms that offer new services, new products and a new delivery method to the customer worldwide. As financial technology helps in reducing cost gains and saving time and effort in implementation, new business challenges the existing business with technological advancements. These financial technology platforms (FinTechs) have emerged in many forms such as crowdfunding, payments, asset management, lending, capital markets and insurance services. Traditional banks are unable to keep up with new technology to provide better products and services to their customers. In the thesis study, financial technology innovation that develops cryptocurrency, open banking, crowdfunding, peer-to-peer lending, robot consulting applications by utilizing technologies such as artificial intelligence, blockchain and internet of things is explained with national and international examples. In the last section of the thesis, the financial technology (FinTech) ecosystem of Turkey and Azerbaijan is analyzed comparatively. According to the findings obtained from important indicator data such as the Global Financial Center Index and the Global Innovation Index, it has been determined that Turkey and Azerbaijan have significant differences in terms of periodic trends and geopolitical advantages for their financial technology ecosystems. The reason why the research was not conducted with other important global indexes is Azerbaijan's young economy and its financial technology ecosystem, which is still in the development stage. Therefore, the country was included in the comparison with only these two indexes. On the other hand, the comparison section of the study is due to the limited information on Azerbaijan's digital banking and financial technology system and the fact that public institutions, private institutions and associations are content with less comprehensive information. According to the results obtained from the comparisons, Azerbaijan lags behind Turkey in the financial technology ecosystem. Azerbaijan has a lot to learn from its brother country Turkey in this regard. Azerbaijan needs to do more work to become the center of the South Caucasus in the financial technology and digitalization field.
Açıklama
Hitit Üniversitesi, Lisansüstü Eğitim Enstitüsü
