{"id":1130,"date":"2020-01-23T08:55:37","date_gmt":"2020-01-23T05:55:37","guid":{"rendered":"https:\/\/www.paytr.com\/blog\/?p=1130"},"modified":"2025-06-23T09:54:21","modified_gmt":"2025-06-23T06:54:21","slug":"psd2-ve-apiler-odeme-sektorunu-degistiriyor","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/psd2-ve-apiler-odeme-sektorunu-degistiriyor","title":{"rendered":"PSD2 ve API\u2019ler \u00d6deme Sekt\u00f6r\u00fcn\u00fc De\u011fi\u015ftiriyor"},"content":{"rendered":"<p><strong>PSD2 ve API\u2019ler \u00d6deme Sekt\u00f6r\u00fcn\u00fc De\u011fi\u015ftiriyor<\/strong><\/p>\n<p>Mobil uygulama, QR Code, kripto para birimleri, <a title=\"Sanal C\u00fczdan\" href=\"https:\/\/www.paytr.com\/blog\/online-odeme-ve-fintek-sozlugu-paytr-online-odeme-cozumleri-734\">sanal c\u00fczdan<\/a>, ve biyometrik \u00f6demeler birka\u00e7 y\u0131l \u00f6nce hayal etmesi g\u00fc\u00e7 konulard\u0131. Bug\u00fcn, finans sekt\u00f6r\u00fcnde dijital devrim hissedilir etkilere sahip ve a\u00e7\u0131k modeller de giderek yayg\u0131nla\u015f\u0131yor. Bunda da <strong>PSD2<\/strong> ve <strong>API bankac\u0131l\u0131\u011f\u0131<\/strong> ba\u015fta olmak \u00fczere, yeni geli\u015fmelerin \u00f6nemli bir pay\u0131 olacak.<\/p>\n<p>Bir <strong><em>Accenture<\/em><\/strong> ara\u015ft\u0131rmas\u0131na g\u00f6re k\u00fcresel \u00f6deme sistemlerinin gelirlerinin y\u0131ll\u0131k %5,5 oran\u0131nda artaca\u011f\u0131n\u0131 g\u00f6steriyor: <strong>2019&#8217;daki 1,5 trilyon dolarl\u0131k b\u00fcy\u00fckl\u00fck 2025 y\u0131l\u0131na kadar 2 trilyon dolar\u0131 a\u015facak.<\/strong><\/p>\n<h2 id=\"psd2-nedir\"><strong>PSD2 Nedir?<\/strong><\/h2>\n<p><strong>PSD2<\/strong>, Avrupa Parlamentosu ve Konseyinin 25 Kas\u0131m 2015 tarihli Geni\u015fletilmi\u015f \u00d6deme Hizmetleri Direktifi&#8217;ni ifade etmek i\u00e7in kullan\u0131lan bir k\u0131saltmad\u0131r.<\/p>\n<p><strong>PSD2, 13 Ocak 2018&#8217;den itibaren y\u00fcr\u00fcrl\u00fc\u011fe girmi\u015ftir ve 13 Kas\u0131m 2007 tarihinde devreye giren \u00d6deme Hizmetleri Direktifi\u2019nin (PSD) yerini alm\u0131\u015ft\u0131r.<\/strong><\/p>\n<p>\u00d6deme Hizmetleri Direktifi 2 (PSD2 veya PSD II) yeni ve geni\u015fletilmi\u015f kapsamdad\u0131r ve yeni finansal hizmetlerin pazara giri\u015fini de tan\u0131mlar. \u00dc\u00e7\u00fcnc\u00fc taraf sa\u011flay\u0131c\u0131lar, ya da yeni nesil <a title=\"Fintech\" href=\"https:\/\/www.paytr.com\/blog\/online-odeme-ve-fintek-sozlugu-paytr-online-odeme-cozumleri-734\">fintech<\/a>\u2019ler m\u00fc\u015fterilerinin bankadaki hesaplar\u0131na yaz\u0131l\u0131m programlama aray\u00fczleri (API) arac\u0131l\u0131\u011f\u0131yla eri\u015febilen finansal hizmet sa\u011flay\u0131c\u0131lar\u0131d\u0131r. \u00dc\u00e7\u00fcnc\u00fc taraf sa\u011flay\u0131c\u0131lar iki gruba ayr\u0131l\u0131r: AISP&#8217;ler (Hesap Bilgi Servis Sa\u011flay\u0131c\u0131lar\u0131) ve PISP&#8217;ler (\u00d6deme Ba\u015flatma Servis Sa\u011flay\u0131c\u0131lar\u0131).<\/p>\n<p>Avrupa Birli\u011fi, PSD2 ile inovasyon ve rekabeti te\u015fvik etmek i\u00e7in yeni nesil finans uygulamalar\u0131na (yani \u00fc\u00e7\u00fcnc\u00fc taraflara) \u00f6deme i\u015flemlerini a\u00e7\u0131yor. Ayn\u0131 zamanda, t\u00fcketicinin korunmas\u0131n\u0131 sa\u011flayan yeni \u00f6nlemleri tan\u0131t\u0131yor. Yeni y\u00f6nerge, genel olarak \u00f6deme i\u015flemlerinin maliyetlerini d\u00fc\u015f\u00fcrme ve yeni sa\u011flay\u0131c\u0131lar, yeni \u00e7\u00f6z\u00fcmler ile rekabeti art\u0131rmay\u0131 hedefliyor.<\/p>\n<h2 id=\"api-bankacilik-nedir-ne-anlama-geliyor\"><strong>API Bankac\u0131l\u0131k Nedir, Ne Anlama Geliyor?<\/strong><\/h2>\n<p>\u00dc\u00e7\u00fcnc\u00fc taraflardan mevcut uygulamalar\u0131n (\u00f6r. \u0130nternet bankac\u0131l\u0131\u011f\u0131 platformlar\u0131) verileri ve i\u015flevleri API&#8217;ler arac\u0131l\u0131\u011f\u0131yla kullan\u0131labilir.<strong> API&#8217;ler, veri veya bankac\u0131l\u0131k i\u015flevlerini \u00fc\u00e7\u00fcnc\u00fc taraf uygulamalara ve hizmetlere entegre etmeyi kolay ve h\u0131zl\u0131 hale getirir.<\/strong> Benzer \u015fekilde banka gibi geleneksel finans kurumlar\u0131 da <a title=\"Fintech\" href=\"https:\/\/www.paytr.com\/blog\/fintech-nedir-917\">fintech<\/a>\u2019lerin hizmetlerine eri\u015fim sa\u011flayabilir.<\/p>\n<p>Bu geli\u015fme finansal uygulamalar\u0131n herkes i\u00e7in daha rahat, \u00e7ok y\u00f6nl\u00fc, basit ve dolay\u0131s\u0131yla daha kullan\u0131c\u0131 dostu hale gelmesi i\u00e7in yeni f\u0131rsatlar sunar. \u00c7\u00fcnk\u00fc, \u00f6rne\u011fin, A Bankas\u0131\u2019n\u0131n mobil bankac\u0131l\u0131k uygulamas\u0131ndan B Bankas\u0131\u2019ndaki hesap bilgilerine ve hizmetlere de eri\u015fmek m\u00fcmk\u00fcn olur.<\/p>\n<p>API bankac\u0131l\u0131\u011f\u0131 y\u00fckselen bir e\u011filim olmakla kalmay\u0131p, bankalar\u0131n ve geleneksel finans kurulu\u015flar\u0131n\u0131n i\u015f modelleri, yap\u0131lar\u0131 ve konumlar\u0131 \u00fczerinde derin etkisi olacak bir geli\u015fmedir.<\/p>\n<h2 id=\"odeme-sektorunun-gelecegi\"><strong>\u00d6deme Sekt\u00f6r\u00fcn\u00fcn Gelece\u011fi<\/strong><\/h2>\n<p>QR Kodu, <a title=\"Sosyal Medya\" href=\"https:\/\/www.paytr.com\/blog\/e-ticaret-siteleri-sosyal-medyada-nasil-davranmali-426\">sosyal medya<\/a>, mesajla\u015fma uygulamalar\u0131, mobil cihazlarla <a title=\"Temass\u0131z \u00d6deme\" href=\"https:\/\/www.paytr.com\/blog\/apple-ve-google-pay-teknolojilerine-alternatif-yerli-uygulama-owallet-686\">temass\u0131z \u00f6deme<\/a>, mobil POS gibi teknolojiler API&#8217;lerin nas\u0131l yeni teknolojilere \u00f6n ayak oldu\u011funu g\u00f6stermektedir.<\/p>\n<p>Yak\u0131n zamana kadar, ma\u011fazalardaki al\u0131\u015fveri\u015fleriniz i\u00e7in \u00f6deme yapmak bir kart ve \u015fifre kullan\u0131m\u0131 ile s\u0131n\u0131rl\u0131yd\u0131. Bug\u00fcn, bir\u00e7ok POS cihaz\u0131 ya da kasada QR kodla \u00f6deme, mobil uygulamadan \u00f6deme ya da <a title=\"E-C\u00fczdan\" href=\"https:\/\/www.paytr.com\/blog\/apple-ve-google-pay-teknolojilerine-alternatif-yerli-uygulama-owallet-686\">e-c\u00fczdanla<\/a> \u00f6deme gibi se\u00e7enekler destekleniyor.<\/p>\n<p>Bu yeni \u00f6deme bi\u00e7imleri, API&#8217;ler arac\u0131l\u0131\u011f\u0131yla etkinle\u015ftirilen (ilgili kurumlara) a\u00e7\u0131k bir ekosistem \u00fczerinden ger\u00e7ekle\u015ftirilir.<\/p>\n<p>Di\u011fer yandan piyasada ortaya \u00e7\u0131kan yeni \u00f6deme \u015fekillerinin say\u0131s\u0131 gelecekte sorun haline gelebilir. Herkesin kendi \u00f6deme metodunu olu\u015fturmaya \u00e7al\u0131\u015ft\u0131\u011f\u0131 bir ortamda rekabet g\u00fc\u00e7leniyor, ancak her bir ara\u00e7 farkl\u0131 oldu\u011fundan b\u00fcy\u00fck say\u0131da kullan\u0131c\u0131ya ula\u015fmak da g\u00fc\u00e7le\u015fiyor. Belirli standartlar ise \u015fu anki durumun aksine, t\u00fcm taraflar\u0131n i\u015fini kolayla\u015ft\u0131raca\u011f\u0131ndan daha faydal\u0131 olabilir.<\/p>\n<p>Kanunun y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle bir ge\u00e7i\u015f ve lisanslama d\u00f6nemi olacak. TCMB taraf\u0131ndan yay\u0131mlanacak y\u00f6netmelik ve tebli\u011fler do\u011frultusunda biz de <a title=\"PayTR\" href=\"https:\/\/www.paytr.com\/\">PayTR<\/a> olarak haz\u0131rl\u0131k \u00e7al\u0131\u015fmalar\u0131m\u0131z\u0131 \u015fekillendirece\u011fiz.<\/p>\n<p>Accenture raporun detaylar\u0131na buradan ula\u015fabilirsiniz\u00a0 <a title=\"Accenture raporu\" href=\"https:\/\/www.accenture.com\/us-en\/insights\/banking\/open-banking-instant-payments-go-time-europe\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">https:\/\/www.accenture.com\/us-en\/insights\/banking\/open-banking-instant-payments-go-time-europe<\/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>PSD2 ve API\u2019ler \u00d6deme Sekt\u00f6r\u00fcn\u00fc De\u011fi\u015ftiriyor Mobil uygulama, QR Code, kripto para birimleri, sanal c\u00fczdan, ve biyometrik \u00f6demeler birka\u00e7 y\u0131l \u00f6nce hayal etmesi g\u00fc\u00e7 konulard\u0131. Bug\u00fcn, finans sekt\u00f6r\u00fcnde dijital devrim hissedilir etkilere sahip ve a\u00e7\u0131k modeller de giderek yayg\u0131nla\u015f\u0131yor. Bunda da PSD2 ve API bankac\u0131l\u0131\u011f\u0131 ba\u015fta olmak \u00fczere, yeni geli\u015fmelerin \u00f6nemli bir pay\u0131 olacak. Bir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1723,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"class_list":["post-1130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-odeme-sistemleri"],"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>PSD2 ve API\u2019ler \u00d6deme Sekt\u00f6r\u00fcn\u00fc De\u011fi\u015ftiriyor | PayTR<\/title>\n<meta name=\"description\" content=\"Bug\u00fcn,finans sekt\u00f6r\u00fcnde dijital devrim hissedilir etkilere sahip, PSD2 ve API bankac\u0131l\u0131\u011f\u0131 gibi yeni geli\u015fmelerin \u00f6nemli bir pay\u0131 olacak.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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