{"id":137705,"date":"2021-12-29T11:59:07","date_gmt":"2021-12-29T08:59:07","guid":{"rendered":"https:\/\/epochtimestr.com\/?p=137705"},"modified":"2021-12-29T11:59:09","modified_gmt":"2021-12-29T08:59:09","slug":"dijital-banka-donemi-basliyor","status":"publish","type":"post","link":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor","title":{"rendered":"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor"},"content":{"rendered":"\n
\"\"<\/figure><\/div>\n\n\n\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) \u015fubesiz faaliyet g\u00f6sterecek dijital bankalar i\u00e7in yeni d\u00fczenleme bug\u00fcnk\u00fc Resmi Gazete’de yay\u0131mland\u0131.<\/strong><\/h2>\n\n\n\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) “Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik”i Resmi Gazete’de yay\u0131mland\u0131.<\/p>\n\n\n\n

Y\u00f6netmeli\u011fin amac\u0131, sadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden hizmet veren \u015fubesiz bankalar\u0131n faaliyetlerine ve bankac\u0131l\u0131k hizmetlerinin finansal teknoloji \u015firketleri ve di\u011fer i\u015fletmelere bir servis modeli olarak sunulabilmesine ili\u015fkin usul ve esaslar\u0131n belirlenmesi olarak g\u00f6sterildi.<\/p>\n\n\n\n

Buna g\u00f6re, dijital bankalar, bu Y\u00f6netmelikte ya da ilgili alt d\u00fczenlemelerde aksi belirtilmedi\u011fi s\u00fcrece, mevduat ya da kat\u0131l\u0131m bankas\u0131 olmalar\u0131na g\u00f6re, kredi kurulu\u015flar\u0131n\u0131n ger\u00e7ekle\u015ftirebilece\u011fi t\u00fcm faaliyetleri yerine getirebilecekler. Dijital bankalar, Kanun ve ilgili d\u00fczenlemeler \u00e7er\u00e7evesinde kredi kurulu\u015flar\u0131n\u0131n uymakla y\u00fck\u00fcml\u00fc oldu\u011fu t\u00fcm mevzuat h\u00fck\u00fcmlerine ilave olarak bu Y\u00f6netmelikte yer verilen h\u00fck\u00fcmlere de uymakla y\u00fck\u00fcml\u00fc olacaklar.<\/p>\n\n\n\n

\u00a0Dijital bankalar\u0131n kredi m\u00fc\u015fterileri, yaln\u0131zca finansal t\u00fcketicilerden ve KOB\u0130\u2019lerden olu\u015fabilecek.<\/p>\n\n\n\n

Dijital bankalar\u0131n, bankalar aras\u0131 piyasalarda ya da para ve sermaye piyasalar\u0131nda faaliyet g\u00f6stermek suretiyle Kanunun 48 inci maddesinde kredi olarak say\u0131lan i\u015flemler ger\u00e7ekle\u015ftirmesi, di\u011fer bankalara kredi kulland\u0131rmas\u0131, KOB\u0130 boyutunu a\u015fan i\u015fletmeler i\u00e7in d\u00f6viz kredisi kulland\u0131rmas\u0131 birinci f\u0131kraya ayk\u0131r\u0131l\u0131k te\u015fkil etmez. Dijital bankalar, KOB\u0130 boyutunu a\u015fmayan i\u015fletmelere hizmet sunmaya ba\u015flad\u0131ktan sonra, s\u00f6z konusu i\u015fletmelerin KOB\u0130 boyutunu a\u015fmas\u0131 durumunda, s\u00f6z konusu i\u015fletmeler yeniden KOB\u0130 boyutu s\u0131n\u0131rlar\u0131na d\u00e2hil oluncaya kadar yaln\u0131zca, bu f\u0131krada KOB\u0130 boyutunu a\u015fan m\u00fc\u015fterilere sunulabilece\u011fi belirtilen hizmetleri sunabilecekler.<\/p>\n\n\n\n

Y\u00f6netmeli\u011fe g\u00f6re, di\u011fer faaliyet k\u0131s\u0131tlamalar\u0131 \u015fu \u015fekilde olacak:<\/p>\n\n\n\n

“Dijital bankalar genel m\u00fcd\u00fcrl\u00fck ile genel m\u00fcd\u00fcrl\u00fc\u011fe ba\u011fl\u0131 hizmet birimleri d\u0131\u015f\u0131nda muhabirlik, acentelik, temsilcilik gibi her ne ad alt\u0131nda olursa olsun te\u015fkilatlanmaya gidemez, fiziksel \u015fube a\u00e7amaz, genel m\u00fcd\u00fcrl\u00fc\u011fe ba\u011fl\u0131 hizmet birimlerini amac\u0131 d\u0131\u015f\u0131nda fiziksel \u015fube gibi kulland\u0131ramaz, dijital ortamda ger\u00e7ekle\u015ftirilecek olanlar hari\u00e7 kiral\u0131k kasa ve emanete alma i\u015flemleri ile saklama hizmetlerini sunamaz. Bir \u015fube gibi kullan\u0131lmad\u0131\u011f\u0131 m\u00fcddet\u00e7e 6 nc\u0131 madde uyar\u0131nca m\u00fc\u015fteri \u015fik\u00e2yetlerini ele almak amac\u0131yla fiziksel b\u00fcrolar olu\u015fturulmas\u0131, pazarlama hizmetleri kapsam\u0131nda al\u0131nan hizmetler de d\u00e2hil olmak \u00fczere Destek Hizmetleri Y\u00f6netmeli\u011fine uygun olarak destek hizmeti kurulu\u015flar\u0131ndan m\u00fc\u015fteri ile y\u00fcz y\u00fcze ileti\u015fim kurulacak \u015fekilde hizmet al\u0131nmas\u0131 ya da elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131nda ba\u015flay\u0131p bu kanallarda fiili imk\u00e2ns\u0131zl\u0131k nedeniyle tamamlanamayan ve 6 nc\u0131 maddede belirtilen fiziksel eri\u015fim noktalar\u0131ndan da ger\u00e7ekle\u015ftirilemeyen i\u015flemlerin dijital bankan\u0131n kendi personeli ya da destek hizmeti ald\u0131\u011f\u0131 kurulu\u015f personeli vas\u0131tas\u0131yla m\u00fc\u015fteri ile y\u00fcz y\u00fcze ileti\u015fim kurularak tamamlanmas\u0131, bu f\u0131kra h\u00fck\u00fcmlerine ayk\u0131r\u0131l\u0131k te\u015fkil etmez.<\/p>\n\n\n\n

Dijital bankalar\u0131n, bir m\u00fc\u015fterisine kulland\u0131rabilece\u011fi, kredi kartlar\u0131 ile ger\u00e7ekle\u015ftirilen harcamalar ve nakit \u00e7ekimleri ile kredili mevduat hesaplar\u0131 hari\u00e7 olmak \u00fczere, teminats\u0131z nakdi t\u00fcketici kredilerinin toplam\u0131, ilgili m\u00fc\u015fterinin beyan edilen ve dijital bankalarca teyit edilen ayl\u0131k ortalama net gelirinin d\u00f6rt kat\u0131n\u0131 ve m\u00fc\u015fterinin ayl\u0131k ortalama net gelirinin tespit edilememesi halinde on bin T\u00fcrk Liras\u0131n\u0131 a\u015famaz. Kurul bu h\u00fck\u00fcmde belirtilen oran ve tutar\u0131 de\u011fi\u015ftirmeye yetkilidir. Gelirle ba\u011flant\u0131l\u0131 s\u00f6z konusu tutar kontrolleri, dijital bankan\u0131n yaln\u0131zca kendi m\u00fc\u015fterilerine y\u00f6nelik kulland\u0131rd\u0131\u011f\u0131 krediler i\u00e7in ger\u00e7ekle\u015ftirilir. Dijital bankalar\u0131n, m\u00fc\u015fterileri hakk\u0131nda m\u00fc\u015fterinin kredi \u00f6deme performans\u0131, varl\u0131k ve y\u00fck\u00fcml\u00fcl\u00fckleri, di\u011fer bankalarca bu ki\u015filere tahsis edilen kredi kart\u0131 limiti, ekonomik ve sosyal stat\u00fcs\u00fc, e\u011fitim d\u00fczeyi, ya\u015f\u0131 ve benzeri \u00f6deme g\u00fcc\u00fcn\u00fcn de\u011ferlendirilmesinde etkili olabilecek hususlara ili\u015fkin alacaklar\u0131 beyan ve temin edecekleri belgeler \u00e7er\u00e7evesinde, objektif kriterlere dayanmak \u015fart\u0131yla kendi gelir tahmin modellerini kullanarak yapacaklar\u0131 de\u011ferlendirmeler neticesinde tespit edecekleri gelirler, bu f\u0131krada belirtilen gelir teyidi niteli\u011fi ta\u015f\u0131r. S\u00f6z konusu gelir tespitine dayanak te\u015fkil eden belge ve kay\u0131tlar\u0131n denetime haz\u0131r bulundurulmas\u0131 ve dijital bankan\u0131n kulland\u0131\u011f\u0131 gelir tahmin modellerinin bu belge ve kay\u0131tlara g\u00f6re makul ve tutarl\u0131 sonu\u00e7lar \u00fcretmesi \u015fartt\u0131r.<\/p>\n\n\n\n

23\/2\/2016 tarihli ve 29633 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan Sistemik \u00d6nemli Bankalar Hakk\u0131nda Y\u00f6netmeli\u011fe g\u00f6re ikinci grupta yer alan sistemik \u00f6nemli bankalara uygulanan sistemik \u00f6nemli banka tamponu, an\u0131lan Y\u00f6netmelikte d\u00fczenlenen usul ve esaslara g\u00f6re dijital bankalar i\u00e7in de k\u0131yasen uygulan\u0131r.<\/p>\n\n\n\n

Dijital bankan\u0131n, faaliyet izni s\u00fcrecinde ya da faaliyet izni ald\u0131ktan sonra 9 uncu maddede belirtilen faaliyet izni i\u00e7in gerekli asgari \u00f6denmi\u015f sermaye tutar\u0131n\u0131, nakden ve her t\u00fcrl\u00fc muvazaadan ari olarak \u00f6denmi\u015f olmak \u00fczere, iki milyar be\u015fy\u00fcz milyon T\u00fcrk Liras\u0131na \u00e7\u0131karmas\u0131 halinde, dijital bankan\u0131n yapaca\u011f\u0131 ba\u015fvuru \u00fczerine Kurul, yeni durumda risklerini y\u00f6netebilece\u011fine kanaat getirdi\u011fi dijital bankalar i\u00e7in bu maddede yer verilen faaliyet k\u0131s\u0131tlamalar\u0131n\u0131n tamamen ya da uygun g\u00f6rece\u011fi bir ge\u00e7i\u015f plan\u0131 \u00e7er\u00e7evesinde kademeli olarak kald\u0131r\u0131lmas\u0131na karar verebilir. Ba\u015fvurunun Kurulca uygun g\u00f6r\u00fclerek faaliyet k\u0131s\u0131tlar\u0131n\u0131n tamamen kald\u0131r\u0131lmas\u0131 sonras\u0131nda, dijital bankan\u0131n, bu maddede yer verilen faaliyet k\u0131s\u0131tlamalar\u0131na tabi olmaks\u0131z\u0131n, di\u011fer kredi kurulu\u015flar\u0131n\u0131n yapabilece\u011fi t\u00fcm bankac\u0131l\u0131k faaliyetlerini ilgili mevzuat \u00e7er\u00e7evesinde yerine getirmesi m\u00fcmk\u00fcn hale gelir. Kurul bu f\u0131krada yer verilen \u00f6denmi\u015f sermaye tutar\u0131n\u0131 art\u0131rmaya yetkilidir.<\/p>\n\n\n\n

Dijital bankalar\u0131n, m\u00fc\u015fteri \u015fik\u00e2yetlerini ele almak \u00fczere en az bir fiziksel b\u00fcro kurmas\u0131 zorunlu olacak.<\/p>\n\n\n\n

Dijital bankalar kendi kuracaklar\u0131 ATM a\u011flar\u0131 ya da di\u011fer ATM a\u011flar\u0131 \u00fczerinden m\u00fc\u015fterilerine hizmet sunabilecek.<\/p>\n\n\n\n

Dijital bankalar, 23\/2\/2006 tarihli ve 5464 say\u0131l\u0131 Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Kanunu ile 6493 say\u0131l\u0131 Kanun uyar\u0131nca ihra\u00e7 edecekleri \u00f6deme ara\u00e7lar\u0131n\u0131 kabul etmek \u00fczere kendileriyle anla\u015fma yapan i\u015fyerleri vas\u0131tas\u0131yla, m\u00fc\u015fterilerine nakit \u00e7ekim ya da \u00f6n \u00f6demeli \u00f6deme ara\u00e7lar\u0131na bakiye y\u00fckleme hizmeti verebilecek. S\u00f6z konusu hizmetlerin sunulmas\u0131 esnas\u0131nda, tutar bilgisini de i\u00e7ermek suretiyle i\u015flemin ger\u00e7ekle\u015ftirildi\u011finin teyit edildi\u011fini g\u00f6sterecek \u015fekilde, m\u00fc\u015fteriye \u00f6deme ara\u00e7lar\u0131n\u0131n kabul edildi\u011fi POS cihazlar\u0131 \u00fczerinden k\u00e2\u011f\u0131t ortam\u0131nda ya da internet ve mobil bankac\u0131l\u0131k da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden sorgulama ve g\u00f6r\u00fcnt\u00fcleme imk\u00e2n\u0131 verecek \u015fekilde elektronik ortamda, nakit \u00f6deme ya da bakiye y\u00fckleme belgesinin bir n\u00fcshas\u0131n\u0131n sunulmas\u0131 zorunlu olacak.<\/p>\n\n\n\n

Hizmet S\u00fcreklili\u011fi Taahh\u00fcd\u00fc<\/h3>\n\n\n\n

Dijital bankalar, sunmakta olduklar\u0131 elektronik bankac\u0131l\u0131k hizmetleri i\u00e7in, her bir da\u011f\u0131t\u0131m kanal\u0131 baz\u0131nda, taahh\u00fct edilen s\u00fcreklilik y\u00fczdesi de\u011ferlerini internet sitelerinin ana sayfas\u0131nda g\u00f6r\u00fcnecek \u015fekilde ilan edecekler. Dijital bankalar\u0131n internet bankac\u0131l\u0131\u011f\u0131 ve mobil bankac\u0131l\u0131k da\u011f\u0131t\u0131m kanallar\u0131 i\u00e7in taahh\u00fct edilen s\u00fcreklilik y\u00fczdesi %99,8\u2019den daha d\u00fc\u015f\u00fck bir de\u011fer olamayacak.<\/p>\n\n\n\n

Dijital bankalar, sunmakta olduklar\u0131 elektronik bankac\u0131l\u0131k hizmetleri i\u00e7in, her bir da\u011f\u0131t\u0131m kanal\u0131 baz\u0131nda, taahh\u00fct edilen ve ger\u00e7ekle\u015fen MTBF, MTTR ve s\u00fcreklilik y\u00fczdesi de\u011ferlerini Kurumun belirleyece\u011fi usul ve esaslara g\u00f6re raporlamakla y\u00fck\u00fcml\u00fc olacaklar.<\/p>\n\n\n\n

Kurulu\u015f ve Faaliyet \u0130zni Genel \u015eartlar\u0131<\/h3>\n\n\n\n

Dijital bankalar\u0131n kurulu\u015f ve faaliyet izni genel \u015fartlar\u0131, \u0130T\u0130Y\u2019de bankalar\u0131n kurulu\u015f ve faaliyet izni almalar\u0131na ili\u015fkin yer verilen \u015fartlar olacak. Bu Y\u00f6netmelikte dijital bankalar\u0131n kurulu\u015f ve faaliyet izni \u015fartlar\u0131na ili\u015fkin yer verilen h\u00fck\u00fcmler, \u0130T\u0130Y\u2019de yer alan h\u00fck\u00fcmler sakl\u0131 kalmak \u00fczere ilave h\u00fck\u00fcmler olarak uygulanacak.<\/p>\n\n\n\n

Ba\u015fvuru sahibinin h\u00e2kim ortaklar\u0131n\u0131n teknoloji, elektronik ticaret ya da telekom\u00fcnikasyon hizmetleri sunan t\u00fczel ki\u015filer olmas\u0131 durumunda, Kurul s\u00f6z konusu h\u00e2kim ortak t\u00fczel ki\u015filerin ya da bu t\u00fczel ki\u015filerin kontrol\u00fcn\u00fc elinde bulunduran ger\u00e7ek ve t\u00fczel ki\u015filerin T\u00fcrkiye\u2019de yerle\u015fik olmas\u0131n\u0131 ve T\u00fcrkiye\u2019de yerle\u015fik ki\u015filerin bor\u00e7luluk durumu ve mali g\u00fcc\u00fcne ili\u015fkin ellerinde bulundurduklar\u0131 risk verilerini payla\u015fmaya y\u00f6nelik olarak Risk Merkezi ile bilgi al\u0131\u015fveri\u015fi s\u00f6zle\u015fmesi imzalam\u0131\u015f olmalar\u0131n\u0131 \u015fart ko\u015fabilecek.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) \u015fubesiz faaliyet g\u00f6sterecek dijital bankalar i\u00e7in yeni d\u00fczenleme bug\u00fcnk\u00fc Resmi Gazete’de yay\u0131mland\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) “Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik”i Resmi Gazete’de yay\u0131mland\u0131. Y\u00f6netmeli\u011fin amac\u0131, sadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden hizmet veren \u015fubesiz bankalar\u0131n faaliyetlerine ve bankac\u0131l\u0131k hizmetlerinin finansal […]<\/p>\n","protected":false},"author":12791,"featured_media":133798,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"footnotes":"","_yoast_wpseo_focuskw_text_input":""},"categories":[1,37],"tags":[],"yoast_head":"\nDijital Banka D\u00f6nemi Ba\u015fl\u0131yor - The Epoch Times TR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor - The Epoch Times TR\" \/>\n<meta property=\"og:description\" content=\"Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) \u015fubesiz faaliyet g\u00f6sterecek dijital bankalar i\u00e7in yeni d\u00fczenleme bug\u00fcnk\u00fc Resmi Gazete’de yay\u0131mland\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) “Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik”i Resmi Gazete’de yay\u0131mland\u0131. Y\u00f6netmeli\u011fin amac\u0131, sadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden hizmet veren \u015fubesiz bankalar\u0131n faaliyetlerine ve bankac\u0131l\u0131k hizmetlerinin finansal […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\" \/>\n<meta property=\"og:site_name\" content=\"The Epoch Times TR\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/theepochtimestr\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-29T08:59:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-29T08:59:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Haber Merkezi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TheEpochTimesTR\" \/>\n<meta name=\"twitter:site\" content=\"@TheEpochTimesTR\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Haber Merkezi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#article\",\"isPartOf\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\"},\"author\":{\"name\":\"Haber Merkezi\",\"@id\":\"https:\/\/epochtimestr.com\/#\/schema\/person\/3dc5c3adeb9f43923c5aa85889172fdd\"},\"headline\":\"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor\",\"datePublished\":\"2021-12-29T08:59:07+00:00\",\"dateModified\":\"2021-12-29T08:59:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\"},\"wordCount\":1492,\"publisher\":{\"@id\":\"https:\/\/epochtimestr.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage\"},\"thumbnailUrl\":\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg\",\"articleSection\":[\"G\u00dcNDEM\",\"T\u00dcRK\u0130YE\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\",\"url\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\",\"name\":\"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor - The Epoch Times TR\",\"isPartOf\":{\"@id\":\"https:\/\/epochtimestr.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage\"},\"image\":{\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage\"},\"thumbnailUrl\":\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg\",\"datePublished\":\"2021-12-29T08:59:07+00:00\",\"dateModified\":\"2021-12-29T08:59:09+00:00\",\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage\",\"url\":\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg\",\"contentUrl\":\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg\",\"width\":640,\"height\":360},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/epochtimestr.com\/#website\",\"url\":\"https:\/\/epochtimestr.com\/\",\"name\":\"The Epoch Times TR\",\"description\":\"De\u011fi\u015fen D\u00fcnyam\u0131za Taze Bir Bak\u0131\u015f\",\"publisher\":{\"@id\":\"https:\/\/epochtimestr.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/epochtimestr.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/epochtimestr.com\/#organization\",\"name\":\"The EpochTimes T\u00fcrkiye\",\"url\":\"https:\/\/epochtimestr.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/epochtimestr.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/ET-Logo-YG.jpg\",\"contentUrl\":\"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/ET-Logo-YG.jpg\",\"width\":346,\"height\":29,\"caption\":\"The EpochTimes T\u00fcrkiye\"},\"image\":{\"@id\":\"https:\/\/epochtimestr.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/theepochtimestr\",\"https:\/\/x.com\/TheEpochTimesTR\",\"https:\/\/www.instagram.com\/epochtimestr\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/epochtimestr.com\/#\/schema\/person\/3dc5c3adeb9f43923c5aa85889172fdd\",\"name\":\"Haber Merkezi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/epochtimestr.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d73f772ba5a74f28601361e17c2f93e6?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d73f772ba5a74f28601361e17c2f93e6?s=96&d=mm&r=g\",\"caption\":\"Haber Merkezi\"},\"url\":\"https:\/\/epochtimestr.com\/index.php\/author\/sendag\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor - The Epoch Times TR","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor","og_locale":"tr_TR","og_type":"article","og_title":"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor - The Epoch Times TR","og_description":"Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) \u015fubesiz faaliyet g\u00f6sterecek dijital bankalar i\u00e7in yeni d\u00fczenleme bug\u00fcnk\u00fc Resmi Gazete’de yay\u0131mland\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun (BDDK) “Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik”i Resmi Gazete’de yay\u0131mland\u0131. Y\u00f6netmeli\u011fin amac\u0131, sadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 \u00fczerinden hizmet veren \u015fubesiz bankalar\u0131n faaliyetlerine ve bankac\u0131l\u0131k hizmetlerinin finansal […]","og_url":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor","og_site_name":"The Epoch Times TR","article_publisher":"https:\/\/www.facebook.com\/theepochtimestr","article_published_time":"2021-12-29T08:59:07+00:00","article_modified_time":"2021-12-29T08:59:09+00:00","og_image":[{"width":640,"height":360,"url":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg","type":"image\/jpeg"}],"author":"Haber Merkezi","twitter_card":"summary_large_image","twitter_creator":"@TheEpochTimesTR","twitter_site":"@TheEpochTimesTR","twitter_misc":{"Yazan:":"Haber Merkezi","Tahmini okuma s\u00fcresi":"5 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#article","isPartOf":{"@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor"},"author":{"name":"Haber Merkezi","@id":"https:\/\/epochtimestr.com\/#\/schema\/person\/3dc5c3adeb9f43923c5aa85889172fdd"},"headline":"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor","datePublished":"2021-12-29T08:59:07+00:00","dateModified":"2021-12-29T08:59:09+00:00","mainEntityOfPage":{"@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor"},"wordCount":1492,"publisher":{"@id":"https:\/\/epochtimestr.com\/#organization"},"image":{"@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage"},"thumbnailUrl":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg","articleSection":["G\u00dcNDEM","T\u00dcRK\u0130YE"],"inLanguage":"tr"},{"@type":"WebPage","@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor","url":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor","name":"Dijital Banka D\u00f6nemi Ba\u015fl\u0131yor - The Epoch Times TR","isPartOf":{"@id":"https:\/\/epochtimestr.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage"},"image":{"@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage"},"thumbnailUrl":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg","datePublished":"2021-12-29T08:59:07+00:00","dateModified":"2021-12-29T08:59:09+00:00","inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor"]}]},{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/epochtimestr.com\/index.php\/dijital-banka-donemi-basliyor#primaryimage","url":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg","contentUrl":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/dijital-insan-pixabay.jpg","width":640,"height":360},{"@type":"WebSite","@id":"https:\/\/epochtimestr.com\/#website","url":"https:\/\/epochtimestr.com\/","name":"The Epoch Times TR","description":"De\u011fi\u015fen D\u00fcnyam\u0131za Taze Bir Bak\u0131\u015f","publisher":{"@id":"https:\/\/epochtimestr.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/epochtimestr.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"tr"},{"@type":"Organization","@id":"https:\/\/epochtimestr.com\/#organization","name":"The EpochTimes T\u00fcrkiye","url":"https:\/\/epochtimestr.com\/","logo":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/epochtimestr.com\/#\/schema\/logo\/image\/","url":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/ET-Logo-YG.jpg","contentUrl":"https:\/\/epochtimestr.com\/wp-content\/uploads\/2011y\/ET-Logo-YG.jpg","width":346,"height":29,"caption":"The EpochTimes T\u00fcrkiye"},"image":{"@id":"https:\/\/epochtimestr.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/theepochtimestr","https:\/\/x.com\/TheEpochTimesTR","https:\/\/www.instagram.com\/epochtimestr"]},{"@type":"Person","@id":"https:\/\/epochtimestr.com\/#\/schema\/person\/3dc5c3adeb9f43923c5aa85889172fdd","name":"Haber Merkezi","image":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/epochtimestr.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d73f772ba5a74f28601361e17c2f93e6?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d73f772ba5a74f28601361e17c2f93e6?s=96&d=mm&r=g","caption":"Haber Merkezi"},"url":"https:\/\/epochtimestr.com\/index.php\/author\/sendag"}]}},"_links":{"self":[{"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/posts\/137705"}],"collection":[{"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/users\/12791"}],"replies":[{"embeddable":true,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/comments?post=137705"}],"version-history":[{"count":1,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/posts\/137705\/revisions"}],"predecessor-version":[{"id":137706,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/posts\/137705\/revisions\/137706"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/media\/133798"}],"wp:attachment":[{"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/media?parent=137705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/categories?post=137705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/epochtimestr.com\/index.php\/wp-json\/wp\/v2\/tags?post=137705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}