{"id":4500,"date":"2022-11-22T22:24:01","date_gmt":"2022-11-22T19:24:01","guid":{"rendered":"https:\/\/www.paytr.com\/blog\/?p=4500"},"modified":"2025-06-16T10:57:07","modified_gmt":"2025-06-16T07:57:07","slug":"acik-bankacilik","status":"publish","type":"post","link":"https:\/\/www.paytr.com\/en\/blog\/acik-bankacilik","title":{"rendered":"A\u00e7\u0131k Bankac\u0131l\u0131k Nedir?"},"content":{"rendered":"\n<p>A\u00e7\u0131k bankac\u0131l\u0131k, esasen bankac\u0131l\u0131k i\u015flemlerini daha kolay hale getiren bir sistemdir. Bireysel ve ticari ama\u00e7l\u0131 kullan\u0131lan bu sistem ile farkl\u0131 bankalardaki bilgileriniz, verileriniz ve hareketleriniz \u00fc\u00e7\u00fcnc\u00fc parti kurulu\u015flarla payla\u015f\u0131l\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k i\u015flemlerinin hem dezavantajlar\u0131 hem de avantajlar\u0131ndan bahsedilebilir. Ancak g\u00fcn\u00fcm\u00fczde zaman\u0131n verimli bir \u015fekilde kullan\u0131lmas\u0131n\u0131n zorunluluk haline gelmesi ile avantaj y\u00f6n\u00fcn\u00fcn a\u011f\u0131r bast\u0131\u011f\u0131n\u0131 s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr.&nbsp;<\/p>\n\n\n\n<p>A\u00e7\u0131k Bankac\u0131l\u0131k yurt d\u0131\u015f\u0131nda <strong>Open Bank Data<\/strong> olarak isimlendirilir. T\u00fcm bankac\u0131l\u0131k verileriniz r\u0131zan\u0131z d\u00e2hilinde farkl\u0131 bir firmaya ait bir sistemle payla\u015f\u0131l\u0131r. Bu payla\u015f\u0131m sayesinde ihtiyac\u0131n\u0131za uygun bankac\u0131l\u0131k \u00fcr\u00fcn ve hizmet teklifleri ile kar\u015f\u0131la\u015f\u0131rs\u0131n\u0131z. Ayn\u0131 zamanda h\u0131zl\u0131 bir \u015fekilde i\u015flem ge\u00e7mi\u015fini takip edebilme \u015fans\u0131n\u0131z da vard\u0131r.&nbsp;<\/p>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131k i\u00e7in onay vermeden \u00f6nce \u00fc\u00e7\u00fcnc\u00fc parti kurulu\u015fun g\u00fcvenilirli\u011finden emin olunmas\u0131 gerekir. \u00d6te yandan her ne kadar g\u00fcvenilir bir kurulu\u015fla verilerinizi payla\u015fsan\u0131z da olas\u0131 riskleri hesap etmenizde fayda vard\u0131r. Bu nedenle s\u00f6zle\u015fme ya da metinleri onaylamadan \u00f6nce okuman\u0131z da fayda vard\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acik-bankacilik-ilk-olarak-ne-zaman-ortaya-cikmistir\">A\u00e7\u0131k Bankac\u0131l\u0131k \u0130lk Olarak Ne Zaman Ortaya \u00c7\u0131km\u0131\u015ft\u0131r?<\/h2>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n ilk olarak ortaya \u00e7\u0131k\u0131\u015f\u0131 olarak farkl\u0131 uygulamalar\u0131 kabul etmek m\u00fcmk\u00fcnd\u00fcr. ImageNPay isimli dijital \u00f6deme platformu sahibi Michael Donald\u2019\u0131n yapt\u0131\u011f\u0131 a\u00e7\u0131klamaya g\u00f6re a\u00e7\u0131k bankac\u0131l\u0131k 2012-2013 tarihinde ortaya \u00e7\u0131kan bir terimdir. Brendan Jones ise bu terimin \u00f6ncesinde \u201cHesaplara Eri\u015fim\u201d olarak adland\u0131r\u0131ld\u0131\u011f\u0131n\u0131 ve ge\u00e7mi\u015finin \u00fc\u00e7-d\u00f6rt y\u0131ll\u0131k oldu\u011funu belirtir.<\/p>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n\u0131n temellerinin 1980\u2019de Alman Federal Postanesinin yapt\u0131\u011f\u0131 bir deneyde at\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yleyenler de vard\u0131r. Bu deneyde be\u015f bilgisayar kullan\u0131lm\u0131\u015f, 2000 kat\u0131l\u0131mc\u0131 bankac\u0131l\u0131k i\u015flemlerini ekran \u00fczerinden yapm\u0131\u015ft\u0131r.&nbsp;<\/p>\n\n\n\n<p>Genel kabul, a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n temelinin Birle\u015fik Krall\u0131k\u2019 ta at\u0131ld\u0131\u011f\u0131 y\u00f6n\u00fcndedir. \u0130lk olarak 2015 y\u0131l\u0131nda piyasadaki yerini alan Midata\u2019d\u0131r. Ard\u0131ndan 2016 y\u0131l\u0131nda kurulu\u015fu ger\u00e7ekle\u015ftirilen OBIE yani A\u00e7\u0131k Bankac\u0131l\u0131k Uygulama Kurulu\u015fu, ger\u00e7ek anlamda a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n ilk \u00f6rne\u011fidir.<\/p>\n\n\n\n<p>OBIE kurucusu olan Helen Child, ilk ba\u015flarda kurduklar\u0131 sistemin i\u015fleyi\u015finde baz\u0131 aksakl\u0131klar oldu\u011fundan bahseder. Bu aksakl\u0131klar\u0131n en b\u00fcy\u00fck nedeni, i\u015f birli\u011fi yapmaya yana\u015fmayan finans kurulu\u015flar\u0131d\u0131r. Hatta baz\u0131 bankalar\u0131n i\u015f birli\u011fi yapmaman\u0131n yan\u0131 s\u0131ra engelleyici tav\u0131rlar sergiledi\u011fi de belirtilir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acik-bankacilik-sistemi-nasil-calisir\">A\u00e7\u0131k Bankac\u0131l\u0131k Sistemi Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/h2>\n\n\n\n<p><strong>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n \u00e7al\u0131\u015fmas\u0131,<\/strong> uygulamalar arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015fir. Finans kurulu\u015flar\u0131, bankalar m\u00fc\u015fterilerinin hesaplar\u0131na ili\u015fkin bilgilerini uygulama ile payla\u015f\u0131r. Ayn\u0131 zamanda uygulamalar \u00fczerinden \u00f6deme de al\u0131r. Bunun anlam\u0131 m\u00fc\u015fterilerin rutin bankac\u0131l\u0131k i\u015flemlerinde kulland\u0131klar\u0131 kullan\u0131c\u0131 ad\u0131, \u015fifre gibi bilgilere ihtiyac\u0131 olmad\u0131\u011f\u0131d\u0131r.&nbsp;<\/p>\n\n\n\n<p>Uygulamalar\u0131n Ki\u015fisel Verileri Koruma Kanunu ve benzeri yasal y\u00f6netmeliklere ayk\u0131r\u0131 i\u015flem yapmamas\u0131 gerekir. Bunun yan\u0131 s\u0131ra t\u00fcketicilerin ki\u015fisel verilerin nas\u0131l i\u015flenece\u011fine dair kapsaml\u0131 bilgi edinmesi de \u00f6nemlidir. Yeterli bilgiye sahip olmadan verilerin kullan\u0131m\u0131na izin vermemek gerekir.&nbsp;<\/p>\n\n\n\n<p><strong>A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131<\/strong>, sizden sadece ilk a\u015famada banka oturum a\u00e7ma bilgilerinizi ister. Onay i\u015flemleri s\u0131ras\u0131nda bankac\u0131l\u0131k uygulaman\u0131za y\u00f6nlendirilirsiniz. Bu sayede g\u00fcvenli bir \u015fekilde uygulamalar\u0131 kullanmaya ba\u015flayabilirsiniz. Baz\u0131 a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131 sizden belirli aral\u0131klarla tekrar onay talep eder. B\u00f6ylece veri payla\u015f\u0131m\u0131ndan vazge\u00e7ti\u011finiz anda sistemden \u00e7\u0131kabilirsiniz.&nbsp;<\/p>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131k ile yapabilece\u011finiz i\u015flemlerin say\u0131s\u0131 fazlad\u0131r. Vadesiz banka hesaplar\u0131n\u0131 ve di\u011fer hesap bilgilerinizi tek ekran kullanarak y\u00f6netebilirsiniz. Para transferini de tek uygulama \u00fczerinden yapma olana\u011f\u0131n\u0131z vard\u0131r. Sunulan hizmet kapsam\u0131, uygulamadan uygulamaya farkl\u0131l\u0131k g\u00f6sterir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acik-bankacilik-uygulamalarinin-tuketiciler-icin-avantajlari-nelerdir\">A\u00e7\u0131k Bankac\u0131l\u0131k Uygulamalar\u0131n\u0131n T\u00fcketiciler \u0130\u00e7in Avantajlar\u0131 Nelerdir?<\/h2>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n t\u00fcketiciler i\u00e7in farkl\u0131 avantajlar\u0131 var. Bu avantajlardan ilki se\u00e7im yapma olana\u011f\u0131n\u0131n do\u011fmas\u0131d\u0131r. Bankalar\u0131n s\u0131n\u0131rl\u0131 i\u015flem imk\u00e2nlar\u0131ndan s\u0131k\u0131lanlar, farkl\u0131 uygulamalar \u00fczerinden daha kapsaml\u0131 hizmet alabilir.&nbsp;<\/p>\n\n\n\n<p>T\u00fcm hesaplar\u0131n\u0131 tek ekrandan kontrol alt\u0131na alan t\u00fcketiciler, harcamalar\u0131n\u0131 daha kontroll\u00fc \u015fekilde y\u00f6netebilir. A\u00e7\u0131k bankac\u0131l\u0131k sayesinde <strong>\u00f6demeler de daha kolay<\/strong> hale gelir. Sistem dijital c\u00fczdanlar\u0131n\u0131, kredi kart\u0131 bilgilerini saklayan altyap\u0131lar\u0131 da kapsar. Bu uygulamalar sayesinde fiziksel ma\u011fazalardan yap\u0131lacak \u00f6demeler de daha kolay hale gelir.<\/p>\n\n\n\n<p>K\u00fcreselle\u015fen d\u00fcnyada insanlar\u0131n mobilitesinin artmas\u0131, uluslararas\u0131 para transfer s\u0131kl\u0131\u011f\u0131n\u0131 da art\u0131r\u0131r. <strong>Uluslararas\u0131 para transferlerini<\/strong> bankalar \u00fczerinden ger\u00e7ekle\u015ftirmek isteyenler, y\u00fcksek i\u015flem \u00fccretleri ile kar\u015f\u0131la\u015f\u0131r. Ancak baz\u0131 a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131, daha uygun bir i\u015flem \u00fccreti ile para transferlerini ger\u00e7ekle\u015ftirir. Baz\u0131 uygulamalarda d\u00f6viz bozdurma hizmeti de vard\u0131r.&nbsp;<\/p>\n\n\n\n<p>Ki\u015fiye \u00f6zel \u00fcr\u00fcn teklifleri yap\u0131lmas\u0131 hem t\u00fcketiciler hem de bankalar a\u00e7\u0131s\u0131ndan avantajl\u0131d\u0131r. Bankalar, m\u00fc\u015fterilerin ihtiya\u00e7lar\u0131na g\u00f6re <strong>teklifler ve \u00f6deme planlar\u0131<\/strong> olu\u015fturur. T\u00fcketiciler kredi \u00e7ekme, hesap a\u00e7ma gibi s\u00fcre\u00e7lerde daha h\u0131zl\u0131 karar alabilir. Bankalar t\u00fcketicilerin bu avantajlar\u0131n\u0131n bilincinde olarak daha iyi teklifler haz\u0131rlamak zorunda kal\u0131r. Bu s\u00fcre\u00e7te m\u00fc\u015fteri memnuniyetini en \u00fcst seviyede tutan bankalar kazanacakt\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acik-bankacilik-uygulamalarinin-bankalar-icin-avantajlari-nelerdir\">A\u00e7\u0131k Bankac\u0131l\u0131k Uygulamalar\u0131n\u0131n Bankalar \u0130\u00e7in Avantajlar\u0131 Nelerdir?<\/h2>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131n bankalar i\u00e7in avantajlar\u0131ndan da bahsetmek m\u00fcmk\u00fcnd\u00fcr. Bankalar, s\u0131n\u0131rl\u0131 mobil uygulama ve internet \u015fubesi olanaklar\u0131 ile m\u00fc\u015fteri memnuniyeti sa\u011flamakta zorlan\u0131r. Dijitalle\u015fen d\u00fcnya ko\u015fullar\u0131nda gelen taleplere cevap vermek i\u00e7in a\u00e7\u0131k bankac\u0131l\u0131k sisteminden yararlanmak fayda sa\u011flar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acik-bankacilik-neden-onemlidir\">A\u00e7\u0131k Bankac\u0131l\u0131k Neden \u00d6nemlidir?<\/h2>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131k sisteminin \u00f6nemi, verilere ula\u015f\u0131m\u0131 kolayla\u015ft\u0131rmas\u0131ndan kaynaklan\u0131r. Bankalar i\u00e7in verilere eri\u015fim son derece \u00f6nemlidir. Bir banka m\u00fc\u015fterisinin yaln\u0131zca kendi bankas\u0131ndaki i\u015flem hareketlerine h\u00e2kimdir. Ancak farkl\u0131 bankalarda m\u00fc\u015fterilerinin neler yapt\u0131\u011f\u0131 hakk\u0131nda da bilgi sahibi olmak ister. Bu nedenle \u00fc\u00e7\u00fcnc\u00fc parti kurulu\u015flar \u00fczerinden bu bilgilere eri\u015fmek \u00f6nemlidir.&nbsp;<\/p>\n\n\n\n<p>\u00dc\u00e7\u00fcnc\u00fc parti kurulu\u015flar ise farkl\u0131 bankalara ait bilgilere ula\u015farak kullan\u0131c\u0131lar\u0131n\u0131n hesap y\u00f6netim s\u00fcrecini kolayla\u015ft\u0131r\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131 \u00fczerinden i\u015flemler \u00e7ok daha h\u0131zl\u0131 bir \u015fekilde ger\u00e7ekle\u015ftirilir. Kredi ba\u015fvurular\u0131, para transferleri, fatura \u00f6deme gibi i\u015flemler son derece h\u0131zl\u0131 bir \u015fekilde yap\u0131l\u0131r.&nbsp;<\/p>\n\n\n\n<p><strong>A\u00e7\u0131k bankac\u0131l\u0131k tasarruf <\/strong>y\u00f6n\u00fcyle de avantajl\u0131d\u0131r. Bu tasarruf hem t\u00fcketiciler hem de i\u015fletmeler a\u00e7\u0131s\u0131ndan sa\u011flan\u0131r. \u0130ngiltere i\u00e7in sistemin yak\u0131n zamanda sa\u011flayaca\u011f\u0131 tasarruf miktar\u0131n\u0131n 18 milyar sterlin seviyesinde olaca\u011f\u0131 tahmin edilmektedir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-acik-bankacilikta-veri-transferi\">A\u00e7\u0131k Bankac\u0131l\u0131kta Veri Transferi<\/h2>\n\n\n\n<p><strong>A\u00e7\u0131k bankac\u0131l\u0131kta veri transferi,<\/strong> \u00fc\u00e7 a\u015famal\u0131 bir s\u00fcre\u00e7te ger\u00e7ekle\u015fir. Bankalar m\u00fc\u015fterilerine ait verileri uygulamalar \u00fczerinden payla\u015f\u0131r. Burada payla\u015f\u0131m\u0131n ne kadar s\u00fcre yap\u0131laca\u011f\u0131 t\u00fcketici talebine g\u00f6re belirlenir. Hangi uygulama ile payla\u015f\u0131m yap\u0131laca\u011f\u0131 da yine t\u00fcketicinin karar\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>A\u00e7\u0131k bankac\u0131l\u0131k firmalar\u0131<\/strong> izne ba\u011fl\u0131 olarak m\u00fc\u015fterilerinin bankalardan bilgilerini al\u0131r. Hangi bankalardan hangi bilgilerin al\u0131naca\u011f\u0131na da yine m\u00fc\u015fteriler karar verir. A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131 kullananlar, kendi izinleri d\u00e2hilinde hangi hizmetlere eri\u015feceklerini belirler.&nbsp;<\/p>\n\n\n\n<p>Baz\u0131 \u00fclkelerde a\u00e7\u0131k bankac\u0131l\u0131k kullan\u0131m\u0131 daha yayg\u0131nd\u0131r. Birle\u015fik Krall\u0131k\u2019ta bulunan b\u00fcy\u00fck bankalar\u0131n \u00e7o\u011fu bu sistemi kullan\u0131r. <strong>A\u00e7\u0131k bankac\u0131l\u0131k platformlar\u0131 <\/strong>ise belirli lisanslar\u0131 ve resmi izinleri alarak sisteme d\u00e2hil olur.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-geleneksel-ve-acik-bankacilik-farklari-nelerdir\">Geleneksel ve A\u00e7\u0131k Bankac\u0131l\u0131k Farklar\u0131 Nelerdir?<\/h2>\n\n\n\n<p>Geleneksel ve a\u00e7\u0131k bankac\u0131l\u0131k sistemleri aras\u0131nda net farkl\u0131l\u0131klar vard\u0131r. Geleneksel bankac\u0131l\u0131k sisteminde sadece bir banka ve o bankaya ba\u011fl\u0131 \u00fcr\u00fcn ve hizmetler i\u00e7in i\u015flem yapars\u0131n\u0131z. Farkl\u0131 bankalarda yap\u0131lan i\u015flemleri kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in manuel olarak pek \u00e7ok i\u015flem yap\u0131lmas\u0131 gerekir. Bu da hem zaman kayb\u0131na yol a\u00e7ar hem de sa\u011fl\u0131kl\u0131 bir hesap y\u00f6netimini engeller.&nbsp;<\/p>\n\n\n\n<p>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n geleneksel sistemle kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda pek \u00e7ok avantaj\u0131ndan bahsetmek m\u00fcmk\u00fcnd\u00fcr. Sisteme d\u00e2hil olan bankalar, m\u00fc\u015fterilerini kendi sunamad\u0131\u011f\u0131 kaliteli hizmetlere ula\u015ft\u0131r\u0131r. Ayn\u0131 zamanda bankalar kendi hizmetlerini de daha iyi tan\u0131t\u0131r.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-turkiye-de-acik-bankacilik-uygulamalari\">T\u00fcrkiye\u2019de A\u00e7\u0131k Bankac\u0131l\u0131k Uygulamalar\u0131<\/h2>\n\n\n\n<p>T\u00fcm d\u00fcnyada oldu\u011fu gibi T\u00fcrkiye\u2019de de a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131n ge\u00e7mi\u015fi \u00e7ok eski de\u011fildir. 2013 y\u0131l\u0131nda yap\u0131lan yasal d\u00fczenleme ile a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n kanuni zemini olu\u015fturulmu\u015ftur. Ancak a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n tamamen yasal mevzuatla desteklenmesi 2020 y\u0131l\u0131nda olmu\u015ftur. T\u00fcrkiye\u2019de a\u00e7\u0131k bankac\u0131l\u0131k hizmetlerini sa\u011flamak isteyenler, Merkez Bankas\u0131ndan izin almakla y\u00fck\u00fcml\u00fcd\u00fcr.&nbsp;<\/p>\n\n\n\n<p>T\u00fcrkiye\u2019de do\u011frudan bankalar taraf\u0131ndan sunulan a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131 vard\u0131r. Ayn\u0131 zamanda \u00e7e\u015fitli finans kurulu\u015flar\u0131n\u0131n uygulamalar\u0131ndan da bahsetmek m\u00fcmk\u00fcnd\u00fcr. Finans kurulu\u015flar\u0131 genellikle ticari faaliyet s\u00fcrd\u00fcren firmalar y\u00f6nelik uygulamalar geli\u015ftirir.<\/p>\n\n\n\n<p>T\u00fcrkiye\u2019de a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131ndan yararlanan firma say\u0131s\u0131 her ge\u00e7en g\u00fcn artmaktad\u0131r. Finans kurulu\u015flar\u0131n\u0131n gerekli g\u00fcveni sa\u011flamas\u0131 neticesinde firmalar, g\u00f6n\u00fcl rahatl\u0131\u011f\u0131yla a\u00e7\u0131k bankac\u0131l\u0131ktan yararlan\u0131r. Uygulamalar yasal mevzuata uygun yap\u0131ld\u0131\u011f\u0131 s\u00fcrece kullan\u0131c\u0131lar\u0131n herhangi bir sorunla kar\u015f\u0131la\u015fmas\u0131 s\u00f6z konusu olmaz.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-bankasi-tekcep\">\u0130\u015f Bankas\u0131 TekCep<\/h3>\n\n\n\n<p>\u0130\u015f Bankas\u0131, T\u00fcrkiye\u2019deki en b\u00fcy\u00fck bankalardan biridir. Bu durumun sa\u011flad\u0131\u011f\u0131 g\u00fcvenden yararlanan kurulu\u015f, m\u00fc\u015fterilerine a\u00e7\u0131k bankac\u0131l\u0131k sistemini de sunar. B\u00f6ylece farkl\u0131 bankalara ait i\u015flemler de \u0130\u015f Bankas\u0131 TekCep uygulamas\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilir.<\/p>\n\n\n\n<p>\u0130\u015f Bankas\u0131 TekCep uygulamas\u0131, a\u00e7\u0131k bankac\u0131l\u0131k sistemine \u00f6rnek olarak g\u00f6sterilebilir. Bu uygulama yaln\u0131zca ticari hesaplar i\u00e7in kullan\u0131l\u0131r. Ki\u015fisel hesaplar i\u00e7in uygulamadan yararlanmak m\u00fcmk\u00fcn de\u011fildir. Uygulama kapsam\u0131nda hem hesaplar\u0131n\u0131z\u0131 hem de POS i\u015flemlerini kontrol alt\u0131nda tutabilirsiniz. Ayn\u0131 zamanda personel ve zaman y\u00f6n\u00fcnden tasarruf elde edersiniz.&nbsp;<\/p>\n\n\n\n<p>TekCep \u0130\u015f Bankas\u0131 taraf\u0131ndan geli\u015ftirilen bir uygulamad\u0131r. Bu uygulamay\u0131 kullanmak i\u00e7in \u0130\u015f Bankas\u0131 internet \u015fubesinden birtak\u0131m i\u015flemler yap\u0131lmal\u0131d\u0131r. Bu i\u015flemler \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ticari \u0130nternet \u015eubesinden Finansal Durumum men\u00fcs\u00fcne girmelisiniz.<\/li>\n\n\n\n<li>Di\u011fer Varl\u0131klar k\u0131sm\u0131ndan Banka Ekle yazan yere t\u0131klamal\u0131s\u0131n\u0131z.&nbsp;<\/li>\n\n\n\n<li>\u0130\u015flemlerinizi \u0130\u015fCep Ticari \u00fczerinden yapacaksan\u0131z Durumum, Di\u011fer Varl\u0131klar, Banka Ekle ad\u0131mlar\u0131n\u0131 takip etmelisiniz.<\/li>\n\n\n\n<li>Gerekli ad\u0131mlar\u0131 tamamlad\u0131ktan sonra TekCep s\u00f6zle\u015fmesini imzalamal\u0131s\u0131n\u0131z.<\/li>\n\n\n\n<li>Banka se\u00e7imi yapmal\u0131s\u0131n\u0131z.<\/li>\n\n\n\n<li>Olu\u015fturulan ki\u015fiye \u00f6zel IP adresi ile a\u00e7\u0131k bankac\u0131l\u0131k sistemine dahil etmek istedi\u011finiz bankalara online ekstre talebinde bulunmal\u0131s\u0131n\u0131z.<\/li>\n\n\n\n<li>Bankadan ald\u0131\u011f\u0131n\u0131z \u015fifre ve kullan\u0131c\u0131 ad\u0131n\u0131 kullanarak TekCep avantajlar\u0131ndan faydalanmaya ba\u015flayabilirsiniz.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-finstant\">Finstant<\/h3>\n\n\n\n<p>Finstant, T\u00fcrkiye\u2019de faaliyet g\u00f6steren a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131ndan biridir. TekCep gibi Finstant\u2019\u0131 da ticari faaliyet g\u00f6steren firmalar kullan\u0131r. Uygulama \u00fczerinden hesap, POS hareketleri kolayca takip edilir. Ayn\u0131 zamanda muhasebe uygulamalar\u0131 ile entegre olarak da Finstant sisteminden yararlan\u0131labilir.&nbsp;<\/p>\n\n\n\n<p>Finstant i\u015f y\u00fck\u00fcn\u00fcn azalt\u0131lmas\u0131 y\u00f6n\u00fcyle son derece avantajl\u0131d\u0131r. Uygulaman\u0131n kullan\u0131lmas\u0131 halinde i\u015f y\u00fck\u00fcnde %92\u2019ye varan bir azalma sa\u011flamak m\u00fcmk\u00fcnd\u00fcr. PCI DSS standartlar\u0131na sahip olan Finstant g\u00fcvenli bir kullan\u0131m olana\u011f\u0131 sundu\u011funu vadeder. Finstant ile \u015fu i\u015flemleri yapma \u015fans\u0131n\u0131z vard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Farkl\u0131 bankalarda yer alan bakiyelerinizi g\u00f6r\u00fcnt\u00fcleyebilirsiniz.&nbsp;<\/li>\n\n\n\n<li>Hesap hareketlerinizi anl\u0131k olarak takip edebilirsiniz.<\/li>\n\n\n\n<li>POS hareketlerini filtreleyerek g\u00f6rebilir ya da Excel\u2019e aktarabilirsiniz.&nbsp;<\/li>\n\n\n\n<li>Muhasebe program\u0131n\u0131za verileri aktarabilirsiniz.&nbsp;<\/li>\n\n\n\n<li>API ve DLL entegrasyonunuzu kendi sisteminiz \u00fczerinden kullanabilirsiniz.&nbsp;<\/li>\n\n\n\n<li>App Store ve Play Store \u00fczerinden Finstant uygulamas\u0131n\u0131 kolayca indirebilirsiniz.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-finmaks\">Finmaks<\/h3>\n\n\n\n<p>Finmaks, 2018 y\u0131l\u0131nda Alper Uncuo\u011flu taraf\u0131ndan kurulan bir sistemdir. 2019 y\u0131l\u0131nda Ak\u0131n Abdullaho\u011flu\u2019nun da y\u00f6netime d\u00e2hil oldu\u011fu Finmaks uzun s\u00fcreli bir deneyimin \u00fcr\u00fcn\u00fcd\u00fcr. Kurucular\u0131n\u0131n yurt d\u0131\u015f\u0131nda a\u00e7\u0131k bankac\u0131l\u0131k konusunda edindi\u011fi deneyimler, Finmaks\u2019\u0131n ba\u015far\u0131l\u0131 bir \u015fekilde ortaya \u00e7\u0131kmas\u0131n\u0131 sa\u011flam\u0131\u015ft\u0131r.&nbsp;<\/p>\n\n\n\n<p>Firmalar\u0131n hesap y\u00f6netimini kolayca ger\u00e7ekle\u015ftirece\u011fi bir platformdur. Hesaplara ili\u015fkin detaylar, POS i\u015flemleri ve di\u011fer para transferleri; Finmaks \u00fczerinden takip edilebilir.<\/p>\n\n\n\n<p>Finmaks uygulamas\u0131 en \u00e7ok tercih edilen muhasebe programlar\u0131na entegre olarak da kullan\u0131labilir. Hesaplardan edinilen bilgilerin muhasebele\u015ftirilmesi s\u00fcrecinde Finmaks ciddi anlamda fayda sa\u011flar. Ayn\u0131 zamanda sistemin raporlama \u00f6zelli\u011fi de vard\u0131r. Diledi\u011finiz gibi raporlar olu\u015fturarak kazanc\u0131n\u0131za y\u00f6nelik yeni stratejiler geli\u015ftirebilirsiniz.&nbsp;<\/p>\n\n\n\n<p>Finmaks uygulamas\u0131 \u00fczerinden <a href=\"https:\/\/www.paytr.com\/blog\/online-odeme-sistemleri\">online \u00f6deme<\/a>leri ve tahsilatlar\u0131 ger\u00e7ekle\u015ftirebilirsiniz. Ekran de\u011fi\u015fikli\u011fi yapmadan farkl\u0131 hesaplara para aktar\u0131m\u0131 yapma \u015fans\u0131n\u0131z vard\u0131r. Tahsilatlar\u0131n\u0131z i\u00e7in de Finmaks\u2019\u0131 kullanabilirsiniz. Tek seferde \u00e7ok say\u0131da \u00f6demeye onay verebilirsiniz.<\/p>\n\n\n\n<p>Finmaks POS \u00fczerinden yap\u0131lan i\u015flemler s\u0131ras\u0131nda verimlili\u011fi %100\u2019e \u00e7\u0131kar\u0131r. Vade tarihleri belli oldu\u011fu i\u00e7in \u00f6demelerinizi s\u00fcresi ge\u00e7meden yapabilirsiniz. Sistem sayesinde hatal\u0131 i\u015flemler de kolayl\u0131kla tespit edilir. Hatal\u0131 yap\u0131lan e\u015fle\u015ftirmeler kolayca d\u00fczeltilir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-finteo\">Finteo<\/h3>\n\n\n\n<p>Finteo, 20 y\u0131l\u0131k bir tecr\u00fcbenin \u00fcr\u00fcn\u00fcd\u00fcr. Kurucular\u0131n\u0131n 20 y\u0131l boyunca mali i\u015fler departmanlar\u0131nda edindi\u011fi tecr\u00fcbeler, bu giri\u015fimin do\u011fmas\u0131n\u0131 sa\u011flam\u0131\u015ft\u0131r. Uygulama sade bir tasar\u0131m \u00fczerinden geni\u015f kapsaml\u0131 bir hizmet sunmay\u0131 ama\u00e7lar. \u0130\u015flemlerin g\u00f6r\u00fcnt\u00fclenmesi, y\u00f6netilmesi ve raporlanmas\u0131 gibi s\u00fcre\u00e7ler, Finteo \u00fczerinden y\u00fcr\u00fct\u00fclebilir.<\/p>\n\n\n\n<p>Finteo; sistem, sunucu ve veri g\u00fcvenli\u011fini ayn\u0131 anda sa\u011flar. Sistem g\u00fcvenli\u011fi i\u00e7in \u00e7e\u015fitli s\u0131zma testleri yap\u0131l\u0131r. Ayn\u0131 zamanda Finteo \u00e7e\u015fitli yetkinlik belgelerine de sahip bir kurulu\u015ftur. Bu belgeler \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ICSI<\/li>\n\n\n\n<li>CEH<\/li>\n\n\n\n<li>ISO 27001<\/li>\n\n\n\n<li>ISO 9001<\/li>\n<\/ul>\n\n\n\n<p>Sistem g\u00fcvenli\u011fi SSL sertifikas\u0131 ile de korunur. Kullan\u0131c\u0131lar taraf\u0131ndan belirlenen \u015fifreler Finteo veri taban\u0131nda saklanmaz. Bu nedenle sisteme giri\u015f bilgilerinin ele ge\u00e7irilmesi gibi bir durum s\u00f6z konusu olmaz. G\u00fcnl\u00fck olarak sunucu yedekleme, g\u00fcvenlik ayarlar\u0131n\u0131n g\u00fcncellenmesi, daha y\u00fcksek koruma i\u00e7in Firewall kullan\u0131m\u0131 da sistemin avantajlar\u0131ndand\u0131r.&nbsp;<\/p>\n\n\n\n<p>Kullan\u0131c\u0131lar \u00fc\u00e7 fakt\u00f6rl\u00fc kimlik do\u011frulamas\u0131 neticesinde sisteme eri\u015fir. \u00d6ncelikle kimlik numaran\u0131z\u0131 do\u011frulaman\u0131z gerekir. Daha sonra sizden SMS do\u011frulama istenir. Sistemde \u00e7al\u0131\u015f\u0131rken 20 dakika i\u015flem yapmaman\u0131z halinde sizden tekrar \u015fifre istenir.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-garanti-bbva-tek-ekran\">Garanti BBVA Tek Ekran<\/h3>\n\n\n\n<p>Garanti BBVA Tek Ekran, Garanti Bankas\u0131 taraf\u0131ndan ticari m\u00fc\u015fterilere sunulan bir hizmettir. Bu sistemden yararlanmak i\u00e7in bankalara online hesap hareketi talimat\u0131 verilmesi gerekir. Ard\u0131ndan kullan\u0131c\u0131 ad\u0131 ve \u015fifre bilgilerinin Garanti BBVA internet \u015fubesi \u00fczerinden tan\u0131mlanmas\u0131 gerekir.<\/p>\n\n\n\n<p>Garanti \u0130nternet Bankac\u0131l\u0131\u011f\u0131 kullanarak tek ekranda tan\u0131mlad\u0131\u011f\u0131n\u0131z di\u011fer bankalar\u0131n bilgilerine de ula\u015fabilirsiniz. Ula\u015f\u0131lan bilgilerin Excel \u00fczerinden indirilmesi de m\u00fcmk\u00fcnd\u00fcr. Tek Ekran sistemini kulland\u0131\u011f\u0131n\u0131z takdirde tek giri\u015f bilgisi ile farkl\u0131 bankalar\u0131n hesaplar\u0131na eri\u015fmek m\u00fcmk\u00fcn hale gelir. Verilerin Excel olarak indirilmesi sayesinde raporlama s\u00fcre\u00e7leri daha kolay hale gelir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-vomsis\">Vomsis<\/h2>\n\n\n\n<p>Vomsis, T\u00fcrkiye\u2019de kullanabilece\u011finiz a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131ndan biridir. Vomsis sisteminin bir\u00e7ok \u00f6zelli\u011fi vard\u0131r. Bu \u00f6zellikler \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Firmalar, \u00e7al\u0131\u015fanlar\u0131n\u0131n hangi hesaplar \u00fczerinde i\u015flem yapmaya yetkili oldu\u011funu belirleyebilir.<\/li>\n\n\n\n<li>Vomsis sistemine belirlenen s\u00fcre sonunda i\u015flem yap\u0131lmad\u0131\u011f\u0131 takdirde ekran kilitleme \u00f6zelli\u011fi koyabilirsiniz.<\/li>\n\n\n\n<li>Vomsis, d\u00fczenli ISO denetimlerine tabidir.&nbsp;<\/li>\n\n\n\n<li>Yetkisiz eri\u015fimleri engellemek i\u00e7in IP ve saat k\u0131s\u0131tlamas\u0131 yap\u0131labilir.<\/li>\n<\/ul>\n\n\n\n<p>Hangi a\u00e7\u0131k bankac\u0131l\u0131k sistemine dahil olaca\u011f\u0131n\u0131za, sunduklar\u0131 olanaklara bakarak karar verebilirsiniz. Bu noktada g\u00fcvenilirlik, yasal denetim ve kullan\u0131c\u0131 aray\u00fcz\u00fc gibi detaylara dikkat etmeniz gerekir. Herhangi bir sisteme d\u00e2hil olmadan \u00f6nce veri i\u015fleme ve saklama politikalar\u0131n\u0131 da incelemelisiniz.&nbsp;<\/p>\n\n\n\n<p>Dikkatli bir se\u00e7im yapt\u0131\u011f\u0131n\u0131z takdirde a\u00e7\u0131k bankac\u0131l\u0131k sisteminin \u00e7ok say\u0131da avantaj\u0131ndan yararlanabilirsiniz. B\u00f6ylece daha h\u0131zl\u0131 \u015fekilde mali s\u00fcre\u00e7lerinizi y\u00f6netme f\u0131rsat\u0131n\u0131z olur. Ayn\u0131 zamanda firman\u0131z\u0131n k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 da b\u00fcy\u00fck oranda art\u0131r\u0131rs\u0131n\u0131z.&nbsp;<\/p>\n\n\n<section class=\"faq section-container\">\n\n    \n    <div class=\"faq-content-section\">\n        <div class=\"faq-tabs-container\">\n                                \n                    <div>\n                        <button\n                            onclick=\"openFaqTab(event, 's\u0131k\u00e7asorulansorular')\" \n                            class=\"faq-tab-links\"\n                            id=\"defaultOpenFaq\">\n                            S\u0131k\u00e7a Sorulan Sorular                        <\/button>\n\n                        <div id=\"s\u0131k\u00e7asorulansorular\" class=\"faq-tab-content\">\n                            \n                                                                \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    A\u00e7\u0131k bankac\u0131l\u0131k g\u00fcvenilir midir?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>A\u00e7\u0131k bankac\u0131l\u0131k hizmeti yasal ve denetime tabi kurulu\u015flardan al\u0131nd\u0131\u011f\u0131 takdirde son derece g\u00fcvenilirdir.\u00a0<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    A\u00e7\u0131k bankac\u0131l\u0131k \u00e7al\u0131\u015fma sistemi nas\u0131ld\u0131r?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>A\u00e7\u0131k bankac\u0131l\u0131k sisteminde kullan\u0131c\u0131 verileri izne ba\u011fl\u0131 olarak i\u015flenir. Bankalarla yap\u0131lan anla\u015fmalar neticesinde uygulama \u00fczerinden \u00e7e\u015fitli i\u015flemler ger\u00e7ekle\u015ftirilir.\u00a0<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    T\u00fcrkiye\u2019de a\u00e7\u0131k bankac\u0131l\u0131k \u00f6rnekleri var m\u0131d\u0131r?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>T\u00fcrkiye\u2019de bankalar ve finans kurulu\u015flar\u0131 taraf\u0131ndan piyasaya s\u00fcr\u00fcnen bir\u00e7ok a\u00e7\u0131k bankac\u0131l\u0131k uygulamas\u0131 vard\u0131r.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    A\u00e7\u0131k bankac\u0131l\u0131k nas\u0131l kullan\u0131l\u0131r?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>A\u00e7\u0131k bankac\u0131l\u0131k, bir uygulama \u00fczerinden kullan\u0131l\u0131r.\u00a0<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                    \n                                    <div class=\"accordion-container\">\n                                        <div class=\"faq-accordion\">\n                                            <h3>\n                                                <button class=\"accordion-trigger\">\n                                                    A\u00e7\u0131k bankac\u0131l\u0131kta veriler \u00e7al\u0131nabilir mi?                                                    <span><\/span>\n                                                <\/button>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"panel\">\n                                            <p>A\u00e7\u0131k bankac\u0131l\u0131kta verilerin \u00e7al\u0131nmas\u0131 al\u0131nan g\u00fcvenlik tedbirleri ile engellenir.<\/p>\n                                        <\/div>\n                                    <\/div>\n                                    \n                                                                \n                                \n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n    <\/div>\n<\/section>\n\n<script>\n    document.addEventListener(\"DOMContentLoaded\", function() {\n        \n        const parentContainer = document.querySelector('.faq.section-container');\n        const contentWrapper = document.querySelector('.faq-content-section');\n        const headerSection = document.querySelector('.payment-channel-head');\n\n        \/\/ Y\u00fcksekli\u011fi hesaplayan ana fonksiyon\n        function updateHeight() {\n            if (!parentContainer || !contentWrapper) return;\n\n            \/\/ 1. 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Bireysel ve ticari ama\u00e7l\u0131 kullan\u0131lan bu sistem ile farkl\u0131 bankalardaki bilgileriniz, verileriniz ve hareketleriniz \u00fc\u00e7\u00fcnc\u00fc parti kurulu\u015flarla payla\u015f\u0131l\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k i\u015flemlerinin hem dezavantajlar\u0131 hem de avantajlar\u0131ndan bahsedilebilir. Ancak g\u00fcn\u00fcm\u00fczde zaman\u0131n verimli bir \u015fekilde kullan\u0131lmas\u0131n\u0131n zorunluluk haline gelmesi ile avantaj y\u00f6n\u00fcn\u00fcn a\u011f\u0131r bast\u0131\u011f\u0131n\u0131 s\u00f6ylemek m\u00fcmk\u00fcnd\u00fcr.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"class_list":["post-4500","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>A\u00e7\u0131k Bankac\u0131l\u0131k Nedir? | PayTR<\/title>\n<meta name=\"description\" content=\"A\u00e7\u0131k bankac\u0131l\u0131k, esasen bankac\u0131l\u0131k i\u015flemlerini daha kolay hale getiren bir sistemdir. 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