{"id":1087,"date":"2020-01-07T10:56:29","date_gmt":"2020-01-07T07:56:29","guid":{"rendered":"https:\/\/www.paytr.com\/blog\/?p=1087"},"modified":"2025-04-07T16:34:28","modified_gmt":"2025-04-07T13:34:28","slug":"kuresel-fintech-raporu-q3","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3","title":{"rendered":"2019 Q3\u2019te K\u00fcresel Fintech Ekosisteminde Neler Oldu?"},"content":{"rendered":"<p>Finansal teknolojiler pazar\u0131 i\u00e7in 2019 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek raporunu a\u00e7\u0131klayan CBInsights, <strong>fintech d\u00fcnyas\u0131nda ge\u00e7ti\u011fimiz y\u0131lda ger\u00e7ekle\u015fen yat\u0131r\u0131m ve sat\u0131n almalar\u0131, 1 milyar dolar de\u011feri a\u015fan unicorn\u2019lar\u0131, sekt\u00f6rel ve b\u00f6lgesel trendleri<\/strong> g\u00f6z \u00f6n\u00fcne serdi.<\/p>\n<p><a href=\"https:\/\/www.paytr.com\/blog\/fintech-nedir\">Fintech<\/a> ekosisteminin \u00f6nem verdi\u011fi raporlardan <strong>CBInsights raporu, 2019 Q3<\/strong> i\u00e7in yay\u0131mland\u0131. Raporun t\u00fcm detaylar\u0131n\u0131 tek bir yaz\u0131ya s\u0131\u011fd\u0131rmak m\u00fcmk\u00fcn olmad\u0131\u011f\u0131ndan, dikkat \u00e7eken noktalar\u0131 \u00f6zetleyerek bir yaz\u0131 dizisi olarak sizlerle payla\u015faca\u011f\u0131z.<\/p>\n<h2 id=\"2019-q3te-kuresel-fintech-ekosisteminde-neler-oldu-%f0%9f%92%b8\"><strong>2019 Q3\u2019te k\u00fcresel fintech ekosisteminde neler oldu? \ud83d\udcb8<\/strong><\/h2>\n<p>\u00d6ncelikle sekt\u00f6re genel bir bak\u0131\u015f ad\u0131na, rapordaki bilgilerin \u00f6zetini ge\u00e7elim.<\/p>\n<p>2019 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde <strong>k\u00fcresel fintech yat\u0131r\u0131mlar\u0131 8,9 milyara ula\u015ft\u0131<\/strong>. Bu miktar, Ant Financial\u2019\u0131n 2018 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011findeki 14 milyar dolarl\u0131k yat\u0131r\u0131m\u0131n\u0131n ard\u0131ndan bir ba\u015fka \u00e7eyrek rekoru olarak dikkat \u00e7ekiyor.<\/p>\n<p><strong>2019 y\u0131l\u0131ndaki toplam fintech yat\u0131r\u0131mlar\u0131<\/strong> ise <strong>24,6 milyar dolara<\/strong> ula\u015farak, 2017 y\u0131l\u0131n\u0131n toplam yat\u0131r\u0131m miktar\u0131n\u0131 geride b\u0131rakmay\u0131 ba\u015fard\u0131.<\/p>\n<p>Bu rekor say\u0131labilecek yat\u0131r\u0131m, <strong>19 adet 100 milyon dolar\u0131n \u00fczerindeki yat\u0131r\u0131m<\/strong> turu ile ger\u00e7ekle\u015fti. Bu turlar<strong> toplama 4 milyar dolar katk\u0131 sa\u011flad\u0131.<\/strong><\/p>\n<h2 id=\"erken-asama-tohum-melek-ve-a-serisi-yatirimlar-azaliyor%f0%9f%91%8e\"><strong>Erken a\u015fama (tohum, melek ve A serisi) yat\u0131r\u0131mlar azal\u0131yor\ud83d\udc4e<\/strong><\/h2>\n<p>Yat\u0131r\u0131mlar y\u00fcksek g\u00f6z\u00fck\u00fcyor, ancak erken a\u015fama yat\u0131r\u0131mlar\u0131n azalmas\u0131 devam ediyor. Bu sebeple <strong>Q3 2019 i\u00e7in k\u00fcresel fintech yat\u0131r\u0131mlar\u0131 2018 toplam yat\u0131r\u0131mlar\u0131n\u0131 yakalayamayabilir<\/strong>. Fintech anla\u015fmalar\u0131 y\u00fczde 6 artsa da 2019 i\u00e7erisindeki her \u00e7eyrekte \u00f6nceki y\u0131la k\u0131yasla d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. <strong>Erken a\u015fama (tohum, melek ve A serisi) yat\u0131r\u0131mlar y\u00fczde 11 ile rekor bir \u00e7eyrek d\u00fc\u015f\u00fc\u015f\u00fc g\u00f6sterdi<\/strong>, yat\u0131r\u0131m ise \u00f6nceki senenin ayn\u0131 \u00e7eyre\u011fine k\u0131yasla y\u00fczde 7 d\u00fc\u015ft\u00fc.<\/p>\n<h2 id=\"asya-fintechin-kuresel-merkezi-olma-yolunda-%f0%9f%97%ba\"><strong>Asya, fintech\u2019in k\u00fcresel merkezi olma yolunda \ud83d\uddfa<\/strong><\/h2>\n<p><strong>ABD\u2019deki yat\u0131r\u0131mlar y\u00fczde 11 d\u00fc\u015ferken<\/strong>, Asya\u2019dakiler artt\u0131 ve neredeyse ABD\u2019deki fintech yat\u0131r\u0131mlar\u0131n\u0131n toplam mebla\u011f\u0131n\u0131 yakalad\u0131.<\/p>\n<p><strong>G\u00fcneydo\u011fu Asya fintech pazar\u0131 y\u0131ll\u0131k yat\u0131r\u0131mda zirve yapt\u0131<\/strong>. <strong>87 yat\u0131r\u0131mla 701 milyon dolar<\/strong> topland\u0131. Singapur merkezli Deskera\u2019n\u0131n ald\u0131\u011f\u0131 100 milyon dolarl\u0131k Seri B yat\u0131r\u0131m\u0131 ve Vietnam merkezli MoMo\u2019nun ald\u0131\u011f\u0131 100 milyon dolarl\u0131k Seri C yat\u0131r\u0131mlar\u0131, 2015\u2019ten bu yana ger\u00e7ekle\u015fen en b\u00fcy\u00fck iki yat\u0131r\u0131m oldu.<\/p>\n<h2 id=\"hindistan-ve-cin-asyanin-zirvesi-icin-kiyasiya-mucadele-ediyor\"><strong>Hindistan ve \u00c7in, Asya\u2019n\u0131n zirvesi i\u00e7in k\u0131yas\u0131ya m\u00fccadele ediyor<\/strong><\/h2>\n<p>Ge\u00e7en y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, Hindistan ve \u00c7in\u2019in Asya pazar\u0131n\u0131n zirvesi i\u00e7in s\u0131k\u0131 bir m\u00fccadeleye giri\u015fti\u011fini g\u00f6r\u00fcyoruz. <strong>\u00c7in\u2019deki fintech yat\u0131r\u0131mlar\u0131n\u0131n say\u0131s\u0131<\/strong> bu \u00e7eyrekte<strong> 55<\/strong> olurken, <strong>Hindistan 33<\/strong> yat\u0131r\u0131mla ikinci s\u0131ray\u0131 ald\u0131. Yat\u0131r\u0131m miktarlar\u0131nda ise <strong>Hindistan merkezli startup\u2019lar 674 milyon dolarla Asya\u2019n\u0131n lideri oldu<\/strong>. <strong>Onu, 661 milyon dolar fon elde eden \u00c7in merkezli startup\u2019lar izledi.<\/strong><\/p>\n<h2 id=\"yeni-nesil-bankacilik-parlamaya-devam-ediyor-%f0%9f%8f%a6\"><strong>Yeni nesil bankac\u0131l\u0131k parlamaya devam ediyor \ud83c\udfe6<\/strong><\/h2>\n<p><strong>Startup odakl\u0131 yeni nesil bankalar 2019 y\u0131l\u0131nda toplam 3 milyar dolar yat\u0131r\u0131m al\u0131rken, bu miktar Q3 i\u00e7in 1,3 milyar dolarla \u00e7eyrek rekoru k\u0131rd\u0131.<\/strong> Bunlar\u0131n aras\u0131nda <strong>NuBank\u2019in 400 milyon dolarl\u0131k F serisi yat\u0131r\u0131m\u0131<\/strong> dikkat \u00e7ekiyor. Zira bu miktar, Challenger Bank olarak adland\u0131r\u0131lan yeni nesil bankalara <strong>bug\u00fcne kadar yap\u0131lm\u0131\u015f en b\u00fcy\u00fck sermaye yat\u0131r\u0131m\u0131<\/strong>. NuBank bu yat\u0131r\u0131mla 10 milyar dolar de\u011ferlemeye ula\u015farak en y\u00fcksek de\u011ferlemeye sahip challenger banka oldu.<\/p>\n<p>Yeni nesil bankac\u0131l\u0131k hizmetleri sunan <strong>Ramp Financial, Mercury ve Stripe<\/strong> da kart basmaya ba\u015flayarak bir ayaklar\u0131n\u0131 geleneksel d\u00fcnyaya bast\u0131lar.<\/p>\n<h2 id=\"risk-sermayesi-fonlari-unicorn-yaratmaya-devam-ediyor-%f0%9f%8f%86\"><strong>Risk sermayesi fonlar\u0131, Unicorn yaratmaya devam ediyor \ud83c\udfc6<\/strong><\/h2>\n<p>Risk sermayesi fonlar\u0131 (venture capital) destekli unicorn\u2019lar, yani de\u011feri milyar dolar\u0131 a\u015fan giri\u015fimlerin fintech ekosistemindeki ayak izi<strong> 213,5 milyar dolar<\/strong> oldu. 2019\u2019un \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde <strong>6 yeni fintech unicorn<\/strong> do\u011fdu. Bunlar, <strong>Hippo, Judo, Deposit Solutions, QuintoAndar, Dave ve C2FO<\/strong>. Kas\u0131m ay\u0131 i\u00e7erisindeki geli\u015fmeler de d<strong>\u00f6rd\u00fcnc\u00fc \u00e7eyrekte \u00fc\u00e7 yeni fintech unicorn<\/strong> olaca\u011f\u0131n\u0131 m\u00fcjdeledi: <strong>Next Insurance, Ebanx ve Riskified.<\/strong><\/p>\n<p>Raporun detaylar\u0131n\u0131 payla\u015fmaya devam edece\u011fiz.<\/p>\n<p><strong>CBInsights raporu, 2019 Q3: <\/strong><a title=\"CBInsights raporu, 2019 Q3\" href=\"https:\/\/www.cbinsights.com\/reports\/CB-Insights_Fintech-Report-Q3-2019.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">https:\/\/www.cbinsights.com\/reports\/CB-Insights_Fintech-Report-Q3-2019.pdf<\/a><\/p>\n<p style=\"text-align: center;\"><strong>2 Saatte PayTR&#8217;l\u0131 Olun!<\/strong><br \/>\n<a href=\"https:\/\/www.paytr.com\/uye-isyeri-olun\">PayTR Sanal Pos&#8217;a Hemen Ba\u015fvurun<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finansal teknolojiler pazar\u0131 i\u00e7in 2019 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek raporunu a\u00e7\u0131klayan CBInsights, fintech d\u00fcnyas\u0131nda ge\u00e7ti\u011fimiz y\u0131lda ger\u00e7ekle\u015fen yat\u0131r\u0131m ve sat\u0131n almalar\u0131, 1 milyar dolar de\u011feri a\u015fan unicorn\u2019lar\u0131, sekt\u00f6rel ve b\u00f6lgesel trendleri g\u00f6z \u00f6n\u00fcne serdi. Fintech ekosisteminin \u00f6nem verdi\u011fi raporlardan CBInsights raporu, 2019 Q3 i\u00e7in yay\u0131mland\u0131. Raporun t\u00fcm detaylar\u0131n\u0131 tek bir yaz\u0131ya s\u0131\u011fd\u0131rmak m\u00fcmk\u00fcn olmad\u0131\u011f\u0131ndan, dikkat \u00e7eken [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4773,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[49],"tags":[],"class_list":["post-1087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haberler"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.3.1 (Yoast SEO v25.3.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2019 Q3\u2019te K\u00fcresel Fintech Ekosisteminde Neler Oldu? | PayTR<\/title>\n<meta name=\"description\" content=\"Fintech ekosisteminde \u00f6nemli olan raporlardan CBInsights raporuna g\u00f6re 2019 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde k\u00fcresel fintech yat\u0131r\u0131mlar\u0131 8,9 milyara ula\u015ft\u0131.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2019 Q3\u2019te K\u00fcresel Fintech Ekosisteminde Neler Oldu?\" \/>\n<meta property=\"og:description\" content=\"Fintech ekosisteminde \u00f6nemli olan raporlardan CBInsights raporuna g\u00f6re 2019 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde k\u00fcresel fintech yat\u0131r\u0131mlar\u0131 8,9 milyara ula\u015ft\u0131.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3\" \/>\n<meta property=\"og:site_name\" content=\"PayTR\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/tr-tr.facebook.com\/paytrcom\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-01-07T07:56:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-07T13:34:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paytr.com\/wp-content\/uploads\/kuresel-fintech-ekosistemi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"810\" \/>\n\t<meta property=\"og:image:height\" content=\"420\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@paytrcom\" \/>\n<meta name=\"twitter:site\" content=\"@paytrcom\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.paytr.com\/en#\/schema\/person\/5a772de23f3e0575d9cf18f46f907ae1\"},\"headline\":\"2019 Q3\u2019te K\u00fcresel Fintech Ekosisteminde Neler Oldu?\",\"datePublished\":\"2020-01-07T07:56:29+00:00\",\"dateModified\":\"2025-04-07T13:34:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3\"},\"wordCount\":745,\"publisher\":{\"@id\":\"https:\/\/www.paytr.com\/en#organization\"},\"image\":{\"@id\":\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paytr.com\/wp-content\/uploads\/kuresel-fintech-ekosistemi.jpg\",\"articleSection\":[\"Kurumsal Haberler\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3\",\"url\":\"https:\/\/www.paytr.com\/en\/blog\/kuresel-fintech-raporu-q3\",\"name\":\"2019 Q3\u2019te K\u00fcresel Fintech Ekosisteminde Neler Oldu? 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