{"id":12947,"date":"2019-11-28T09:51:25","date_gmt":"2019-11-28T09:51:25","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=12947"},"modified":"2022-06-09T12:39:33","modified_gmt":"2022-06-09T12:39:33","slug":"turkiyenin-psd2si-acik-bankacilik-reformu-yasalasti-pazar-yeri-uygulamalarinin-izin-almasi-gerekebilecek","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/11\/28\/turkiyenin-psd2si-acik-bankacilik-reformu-yasalasti-pazar-yeri-uygulamalarinin-izin-almasi-gerekebilecek\/","title":{"rendered":"T\u00fcrkiye&#8217;nin PSD2&#8217;si: A\u00e7\u0131k Bankac\u0131l\u0131k Reformu Yasala\u015ft\u0131 \/ Pazar yeri uygulamalar\u0131n\u0131n izin almas\u0131 gerekebilecek"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>17 Ekim 2019 tarihinde payla\u015ft\u0131\u011f\u0131m\u0131z<strong> <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=jRYOrR8N39SQYHlrgvYYJIDKc59GPaipkFg8CbFsLCqGsTwqqkkTAFVrNvj*DnPpZwUVyhQXQBKZFJVjsQ7qUAmALd5aM9iRYnBrRuDpH3ILLWSdPVDAlg==&amp;rh=ff0055fac4fd32d60c01f36a3142b31c6f92a8c1__;Lw!L2-IAYVWw0s!ClB7GbL68a43I0qZ9HKwFYznXpe9qyFzdXyxE2Jyhc_x_RxKt3Zq0fsbVj7Qlauv5iFzxA$\">mevzuat de\u011fi\u015fikli\u011fi<\/a><\/strong> <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=jRYOrR8N39SQYHlrgvYYJIDKc59GPaipkFg8CbFsLCqGsTwqqkkTAFVrNvj*DnPpZwUVyhQXQBKZFJVjsQ7qUAmALd5aM9iRYnBrRuDpH3ILLWSdPVDAlg==&amp;rh=ff0055fac4fd32d60c01f36a3142b31c6f92a8c1__;Lw!L2-IAYVWw0s!ClB7GbL68a43I0qZ9HKwFYznXpe9qyFzdXyxE2Jyhc_x_RxKt3Zq0fsbVj7Qlauv5iFzxA$\">b\u00fclteninde<\/a> T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi Ba\u015fkanl\u0131\u011f\u0131&#8217;na sunulan \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemleri, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131ndaki Kanun (&#8220;<strong>Kanun Teklifi<\/strong>&#8220;) ile Baz\u0131 Kanunlarda De\u011fi\u015fiklik (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;) Yap\u0131lmas\u0131 Hakk\u0131nda Kanun Teklifi&#8217;ni payla\u015fm\u0131\u015ft\u0131k.<\/p>\n<p>T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi, Kanun&#8217;u 12 Kas\u0131m 2019 tarihinde kabul etti. Kanun 22 Kas\u0131m 2019 tarihli ve 30956 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131nland\u0131.<\/p>\n<p>Kanun 1 Ocak 2020 y\u00fcr\u00fcrl\u00fc\u011fe girecek. Kanun kapsam\u0131nda \u00f6deme hizmetleri i\u00e7in yeni kurallar ve a\u00e7\u0131k bankac\u0131l\u0131\u011fa ili\u015fkin yeni f\u0131rsatlar \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n<p><strong>De\u011fi\u015fiklikler ne getiriyor?<\/strong><\/p>\n<ul>\n<li>De\u011fi\u015fikle ile birlikte, \u00a0Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;) g\u00f6revlerinden biri olan e-para kurulu\u015flar\u0131n\u0131n ve \u00f6deme hizmetlerinin denetleme ve d\u00fczenleme sorumlulu\u011fu T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131&#8217;na (&#8220;<strong>TCMB<\/strong>&#8220;) devrediliyor. G\u00f6rev de\u011fi\u015fikli\u011fi uyar\u0131nca TCMB bu kurulu\u015flara destek hizmeti sa\u011flayan d\u0131\u015f hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131 da denetleme g\u00f6revini \u00fcstleniyor.<\/li>\n<li>De\u011fi\u015fiklik uyar\u0131nca, ge\u00e7mi\u015fte \u00f6deme hizmeti say\u0131lmayan baz\u0131 hizmetler TCMB taraf\u0131ndan belirlenecek b\u00fcy\u00fckl\u00fc\u011fe ula\u015fmalar\u0131 halinde \u00f6deme hizmeti kapsam\u0131nda de\u011ferlendirilecekler.<\/li>\n<\/ul>\n<p>Bu kapsamda, al\u0131c\u0131 ve sat\u0131c\u0131lar\u0131 bulu\u015fturan pazar yeri (marketplace) uygulamalar\u0131n\u0131n\u00a0 \u00a0faydaland\u0131\u011f\u0131 ticari temsilci istisnas\u0131, arac\u0131l\u0131k edilen i\u015flemlerin TCMB taraf\u0131ndan tespit edilecek\u00a0 \u00a0b\u00fcy\u00fckl\u00fc\u011fe ula\u015fmas\u0131 durumunda ge\u00e7erli olmayabilecek ve bu \u015fekilde \u00f6demelere arac\u0131l\u0131k eden\u00a0 \u00a0pazar yeri uygulamalar\u0131n\u0131n, \u00f6deme arac\u0131l\u0131\u011f\u0131 i\u00e7in \u00f6deme hizmeti izni olan \u00fc\u00e7\u00fcnc\u00fc ki\u015filerle\u00a0 \u00a0\u00e7al\u0131\u015fmas\u0131 gerekebilecek.<\/p>\n<p>Keza, \u00f6nceden \u00f6deme hizmeti say\u0131lmayan kapal\u0131 devre kullan\u0131lan \u00f6deme ara\u00e7lar\u0131 ile yap\u0131lan\u00a0 \u00a0i\u015flemler de TCMB taraf\u0131ndan belirlenecek b\u00fcy\u00fckl\u00fc\u011fe ula\u015fmalar\u0131 halinde \u00f6deme hizmeti say\u0131l\u0131p\u00a0 \u00a0izin gerektirecek.<\/p>\n<ul>\n<li>De\u011fi\u015fiklik ile TCMB&#8217;ye yeni bir d\u00fczenleme g\u00f6revi veriliyor. De\u011fi\u015fikli\u011fe g\u00f6re TCMB \u00f6deme hizmetlerine ili\u015fkin tahsil edilecek \u00fccretlerin \u00fcst s\u0131n\u0131r\u0131n\u0131 belirleme yetkisine sahip oluyor.<\/li>\n<li>De\u011fi\u015fikli\u011fe g\u00f6re a\u00e7\u0131k bankac\u0131l\u0131k \u00fcr\u00fcnleri aras\u0131nda say\u0131lan \u00f6deme emri ba\u015flatma (<em>PSIP<\/em>) ve hesap bilgileri sa\u011flama hizmetleri (<em>AISP<\/em>) \u00f6deme hizmetleri kapsam\u0131na al\u0131nacak. \u00a0Bu \u00e7er\u00e7evede s\u00f6z konusu hizmetler \u00f6deme hizmet sa\u011flay\u0131c\u0131lar\u0131 taraf\u0131ndan verilebilecek.<\/li>\n<li>De\u011fi\u015fiklik kapsam\u0131nda TCMB,\u00a0 \u00f6deme hizmetlerinin kesintisiz s\u00fcrd\u00fcr\u00fclebilmesi i\u00e7in \u00f6deme sistemi i\u015fleticilerine hissedar olabilecek.<\/li>\n<li>De\u011fi\u015fiklik ile BDDK&#8217;n\u0131n g\u00f6revi olan takas ve mahsup i\u015flemlerine ili\u015fkin d\u00fczenlenme ve denetlenme yapma yetkisi ile TCMB&#8217;ye devrediliyor.<\/li>\n<li>De\u011fi\u015fiklik kapsam\u0131nda T\u00fcrkiye \u00d6deme ve Elektronik Para Kurulu\u015flar\u0131 Birli\u011fi kurulup \u00f6deme ve elektronik para \u015firketleri ba\u011f\u0131ms\u0131z denetim kapsam\u0131na al\u0131n\u0131yor.<\/li>\n<li>De\u011fi\u015fiklik ile \u00d6deme Hizmetleri ve Elektronik Para Kanunu nezdinde uygulanan idari para cezalar\u0131n\u0131 da art\u0131yor.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>De\u011fi\u015fiklik ile a\u00e7\u0131k bankac\u0131l\u0131k ve \u00f6deme hizmetlerinde yeni bir d\u00f6nemin kap\u0131s\u0131n\u0131 a\u00e7\u0131lmaktad\u0131r.<\/p>\n<p>Yukar\u0131da say\u0131lan a\u00e7\u0131k bankac\u0131l\u0131k hizmetlerini veren ve \u00f6deme hizmeti kurulu\u015fu iznine sahip olmayan kurulu\u015flar\u0131n, De\u011fi\u015fikli\u011fin y\u00fcr\u00fcrl\u00fc\u011fe girmesinden itibaren bir y\u0131l i\u00e7inde TCMB&#8217;ye ba\u015fvurup gerekli izni almas\u0131 gerekecek.<\/p>\n<p>Keza, TCMB taraf\u0131ndan belirlenecek limitlere g\u00f6re, pazar yeri faaliyetin bulunan te\u015febb\u00fcslerin, \u00f6deme hizmeti faaliyeti iznine sahip i\u015ftiraklerini kurmalar\u0131 veya s\u00f6z konusu hizmetleri izinli kurulu\u015flar vas\u0131tas\u0131yla sa\u011flamalar\u0131 gerekebilecek.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme 17 Ekim 2019 tarihinde payla\u015ft\u0131\u011f\u0131m\u0131z mevzuat de\u011fi\u015fikli\u011fi b\u00fclteninde T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi Ba\u015fkanl\u0131\u011f\u0131&#8217;na sunulan \u00d6deme ve Menkul K\u0131ymet [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90],"class_list":["post-12947","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>T\u00fcrkiye&#039;nin PSD2&#039;si: A\u00e7\u0131k Bankac\u0131l\u0131k Reformu Yasala\u015ft\u0131 \/ Pazar yeri uygulamalar\u0131n\u0131n izin almas\u0131 gerekebilecek<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme 17 Ekim 2019 tarihinde payla\u015ft\u0131\u011f\u0131m\u0131z mevzuat de\u011fi\u015fikli\u011fi b\u00fclteninde T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi 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