{"id":16433,"date":"2020-05-22T12:04:52","date_gmt":"2020-05-22T12:04:52","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=16433"},"modified":"2022-06-09T13:06:49","modified_gmt":"2022-06-09T13:06:49","slug":"covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/","title":{"rendered":"COVID-19 Salg\u0131n\u0131 T\u00fcrkiye&#8217;nin A\u00e7\u0131k Bankac\u0131l\u0131k Yolculu\u011funu H\u0131zland\u0131r\u0131yor"},"content":{"rendered":"<p><strong>Giri\u015f<\/strong><\/p>\n<p>Finansal piyasalar, son birka\u00e7 y\u0131lda h\u0131zl\u0131 bir de\u011fi\u015fime ve d\u00f6n\u00fc\u015f\u00fcme sahne oluyor. Bu de\u011fi\u015fim s\u00fcrecinde, 21. y\u00fczy\u0131l\u0131n en \u00f6nemli dijital d\u00f6n\u00fc\u015f\u00fcm\u00fc ise a\u00e7\u0131k bankac\u0131l\u0131k kavram\u0131 ile kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor.<\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k kavram\u0131, 2016 y\u0131l\u0131nda \u00f6nce Birle\u015fik Krall\u0131k\u2019ta g\u00fcndeme gelmi\u015f sonras\u0131nda da h\u0131zl\u0131 bir \u015fekilde dijital finansal hizmetlerde d\u00f6n\u00fc\u015f\u00fcm\u00fcn kap\u0131lar\u0131n\u0131 aralamaya ba\u015flam\u0131\u015ft\u0131r.<\/p>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (&#8220;<strong>BDDK<\/strong>&#8220;), 15 Mart 2020&#8217;de yay\u0131mlad\u0131\u011f\u0131 Bankalar\u0131n Bilgi Sistemleri ve Elektronik Bankac\u0131l\u0131k Hizmetleri Hakk\u0131nda Y\u00f6netmelik (&#8220;<strong>Y\u00f6netmelik<\/strong>&#8220;) ile a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n kanuni altyap\u0131s\u0131n\u0131 haz\u0131rlad\u0131. Y\u00f6netmelik, 1 Temmuz 2020&#8217;de y\u00fcr\u00fcrl\u00fc\u011fe girecek.<\/p>\n<p>Dijital bankac\u0131l\u0131k hizmetleri aras\u0131nda d\u00fcnyada \u00f6nemli bir yere sahip olan T\u00fcrk bankalar\u0131, bu s\u00fcre\u00e7te a\u00e7\u0131k bankac\u0131l\u0131k kavram\u0131 ile birlikte al\u0131\u015f\u0131lm\u0131\u015f\u0131n d\u0131\u015f\u0131nda bir kullan\u0131c\u0131 deneyimi sunma konusunda bir\u00e7ok faaliyet y\u00fcr\u00fctmeye olana\u011f\u0131na sahip olacak.<\/p>\n<p>COVID-19 salg\u0131n\u0131 kapsam\u0131nda dijital bankac\u0131l\u0131k hizmetlerine olan ihtiya\u00e7 ve bu hizmetlerle ha\u015f\u0131r ne\u015firlik seviyemizin artmas\u0131, a\u00e7\u0131k bankac\u0131l\u0131\u011fa itici g\u00fc\u00e7 olacak gibi g\u00f6r\u00fcn\u00fcyor.<\/p>\n<p>Bu \u00e7al\u0131\u015fmam\u0131zda, a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n ne oldu\u011fu ve T\u00fcrkiye&#8217;nin a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n hukuki altyap\u0131s\u0131n\u0131 olu\u015fturma ser\u00fcveni \u00fczerinde durduk.<\/p>\n<p><strong>A\u00e7\u0131k Bankac\u0131l\u0131k Nedir?<\/strong><\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k, en temel haliyle m\u00fc\u015fterilerin bankalarda depolanan finansal verilerinin, m\u00fc\u015fterilerin izni ile \u00fc\u00e7\u00fcnc\u00fc ki\u015filere yani \u00fc\u00e7\u00fcnc\u00fc ki\u015fi hizmet sa\u011flay\u0131c\u0131lar\u0131na (third party provider &#8211; TPP) a\u00e7\u0131lmas\u0131 olarak ifade edilen bir modeldir. Di\u011fer bir deyi\u015fle, a\u00e7\u0131k bankac\u0131l\u0131k modeli sayesinde m\u00fc\u015fterilere ait olan finansal veriler, art\u0131k bankalar\u0131n tekelinde olmaktan \u00e7\u0131kmakta ve m\u00fc\u015fterinin talebi ile ortak bir platform \u00fczerinden finansal teknoloji \u015firketlerinin (fintech) eri\u015fimine a\u00e7\u0131lmaktad\u0131r.<\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k modelinde, ayl\u0131k yap\u0131lan kredi kart\u0131 harcamalar\u0131ndan tutun, yat\u0131r\u0131m hesaplar\u0131ndaki birikim al\u0131\u015fkanl\u0131klar\u0131na kadar t\u00fcm finansal veriler, t\u00fcm banka ve finansal teknoloji \u015firketleri ile veri analizi ama\u00e7l\u0131 payla\u015f\u0131l\u0131r.<\/p>\n<p>Finansal veriler, API (application programming interfaces) arac\u0131\u011f\u0131yla, t\u00fcm finansal kurulu\u015flar aras\u0131nda kolayl\u0131kla payla\u015f\u0131l\u0131r. API kavram\u0131 ise temelinde yaz\u0131l\u0131m\/uygulamalar\u0131n birbiri ile veri payla\u015fmas\u0131n\u0131 sa\u011flayan tek tip kurallar seti olarak ifade ediliyor.<\/p>\n<p><strong>A\u00e7\u0131k Bankac\u0131l\u0131k ne getiriyor?<\/strong><\/p>\n<p>Bankalar ve finansal teknoloji \u015firketleri, API \u00fczerinden eri\u015filen veriler sayesinde m\u00fc\u015fterinin harcama ve yat\u0131r\u0131m al\u0131\u015fkanl\u0131klar\u0131, mevcut finansal kapasitesi gibi bir\u00e7ok konuda analiz yap\u0131labilir. Bu analizler sonras\u0131nda m\u00fc\u015fteri ile payla\u015f\u0131larak kendisi i\u00e7in en uygun teklifleri g\u00f6rmesi ve \u00fcr\u00fcnleri se\u00e7mesi sa\u011flanabilir. \u00d6rne\u011fin, m\u00fc\u015fterinin uzun y\u0131llar boyunca d\u00fczenli olarak yapt\u0131\u011f\u0131 harcamalar de\u011ferlendirilip m\u00fc\u015fteriye \u00f6zel indirimler sa\u011flanmas\u0131 veya m\u00fc\u015fterinin mevcut harcama al\u0131\u015fkanl\u0131\u011f\u0131na kar\u015f\u0131l\u0131k m\u00fc\u015fteriye \u00f6zel teklifler sunulmas\u0131 s\u00f6z konusu olabilir. Ayn\u0131 zamanda m\u00fc\u015fteriler, yat\u0131r\u0131mlar\u0131 i\u00e7in kendilerine en uygun \u00fcr\u00fcnleri bulup kar\u015f\u0131la\u015ft\u0131rma f\u0131rsat\u0131na sahip olur.<\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k modeli sayesinde hem bankalar hem de finansal teknoloji \u015firketleri m\u00fc\u015fterilerin ihtiya\u00e7lar\u0131na g\u00f6re \u00f6zel \u00fcr\u00fcnler ve aray\u00fczler ger\u00e7ekle\u015ftirebilir ve m\u00fc\u015fterilerin t\u00fcm hesaplar\u0131na ve finans verilerine tek bir aray\u00fczden ula\u015fmas\u0131na olanak sa\u011flayacak sistemler tasarlayabilirler. Di\u011fer bir deyi\u015fle, m\u00fc\u015fteriler art\u0131k t\u00fcm bankac\u0131l\u0131k i\u015flemlerini veya yat\u0131r\u0131mlar\u0131n\u0131 tek bir uygulama veya internet sitesi arac\u0131l\u0131\u011f\u0131yla y\u00f6netebilir.<\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k sayesinde art\u0131k bir\u00e7ok m\u00fc\u015fteri belki de eski al\u0131\u015fkanl\u0131klar\u0131n\u0131 terk edecek ve her banka taraf\u0131ndan \u00f6zel olarak sunulan bankac\u0131l\u0131k uygulamalar\u0131 veya di\u011fer \u00e7evrimi\u00e7i (online) bankac\u0131l\u0131k sistemleri yerine do\u011frudan bir \u00fc\u00e7\u00fcnc\u00fc ki\u015fi hizmet sa\u011flay\u0131c\u0131n\u0131n ya da bankan\u0131n uygulamas\u0131n\u0131 veya internet sitesini kullan\u0131yor olacak.<\/p>\n<p><strong>T\u00fcrkiye ve A\u00e7\u0131k Bankac\u0131l\u0131k<\/strong><\/p>\n<p>T\u00fcrk hukukunda a\u00e7\u0131k bankac\u0131l\u0131k modeline ili\u015fkin ilk d\u00fczenleme tasla\u011f\u0131, BDDK taraf\u0131ndan 2018 y\u0131l\u0131n\u0131n sonunda kamuoyu ile payla\u015f\u0131lm\u0131\u015ft\u0131. Ancak ilk yasal d\u00fczenleme, T\u00fcrkiye B\u00fcy\u00fck Millet Meclisi taraf\u0131ndan 2019 y\u0131l\u0131n\u0131n sonunda \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemleri, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131ndaki Kanun\u2019da (&#8220;<strong>Kanun<\/strong>&#8220;) yap\u0131lan de\u011fi\u015fiklik ile y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k sistemlerine ili\u015fkin ilk ikincil d\u00fczenleme ise Y\u00f6netmelik ile hayat\u0131m\u0131za ge\u00e7ti\u011fimiz Mart ay\u0131nda d\u00e2hil oldu. Y\u00f6netmelik d\u00fczenlemesi ile birlikte T\u00fcrkiye, Avrupa Birli\u011fi\u2019nin \u0130kinci \u00d6deme Hizmetleri Direktifi (<em>Second Payment Services Directive 2-PSD2<\/em>) ile uyumlu olacak \u015fekilde mevzuat \u00e7al\u0131\u015fmalar\u0131n\u0131 s\u00fcrd\u00fcrmeye devam etti\u011finin alt\u0131n\u0131 \u00e7izdi.<\/p>\n<p>Kanun ile birlikte a\u00e7\u0131k bankac\u0131l\u0131k kavramlar\u0131ndan olan \u00f6deme emri ba\u015flatma (payment initiation service provider &#8211; PISP) ve hesap bilgileri sa\u011flama hizmetleri (account information service provider &#8211; AISP) tan\u0131mland\u0131 ve bu i\u015flemler yasal zemine oturtuldu. Kanun kapsam\u0131nda bu hizmetlerin sunulmas\u0131 i\u00e7in de T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019ndan (&#8220;<strong>TCMB<\/strong>&#8220;) faaliyet izni al\u0131nmas\u0131 zorunlu tutuldu.<\/p>\n<p>Y\u00f6netmelik ile birlikte a\u00e7\u0131k bankac\u0131l\u0131k kavram\u0131 mevzuat\u0131m\u0131zda ilk defa tan\u0131mlanm\u0131\u015f oldu.<\/p>\n<p>Kanun ve Y\u00f6netmelik kapsam\u0131nda yap\u0131lan d\u00fczenlemelerde a\u00e7\u0131k bankac\u0131l\u0131k i\u015flemlerine genel bir \u00e7er\u00e7eve \u00e7izildi. Ancak i\u015flemlere ili\u015fkin \u00f6nemli detaylar sonras\u0131nda \u00e7\u0131kar\u0131lacak ikincil d\u00fczenlemeler ile \u015fekillenecek. \u00d6zellikle, bankalar\u0131n finansal teknoloji \u015firketi gibi \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131s hizmet sa\u011flay\u0131c\u0131lar ile finansal verileri payla\u015fmas\u0131n\u0131n zorunlu tutulup tutulmayaca\u011f\u0131n\u0131n d\u00fczenlenmesi en \u00f6nemli ba\u015fl\u0131klar aras\u0131nda bulunuyor.<\/p>\n<p>Kanun ve Y\u00f6netmelik birlikte inceledi\u011finde ise a\u00e7\u0131k bankac\u0131l\u0131\u011fa ili\u015fkin ikincil d\u00fczenlemelerin bankac\u0131l\u0131k aya\u011f\u0131n\u0131n BDDK taraf\u0131ndan y\u00fcr\u00fct\u00fclece\u011fi, \u00f6deme kurulu\u015flar\u0131 aya\u011f\u0131n\u0131n ise TCMB taraf\u0131ndan y\u00fcr\u00fct\u00fclece\u011fi anla\u015f\u0131l\u0131yor.<\/p>\n<p><strong>A\u00e7\u0131k Bankac\u0131l\u0131k ve Veri Gizlili\u011fi<\/strong><\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n, bankac\u0131l\u0131k mevzuat\u0131 d\u0131\u015f\u0131nda en ilgili oldu\u011fu alanlardan biri ki\u015fisel verilerin korunmas\u0131 mevzuat\u0131 olacak. A\u00e7\u0131k bankac\u0131l\u0131k kapsam\u0131nda sunulmas\u0131 planlanan hizmetlerin temel dayana\u011f\u0131, m\u00fc\u015fterilere ait verilerin daha fazla akt\u00f6r\u00fcn kullan\u0131m\u0131na a\u00e7\u0131lmas\u0131. A\u00e7\u0131k bankac\u0131l\u0131k kapsam\u0131nda temel yenilik,\u00a0 al\u0131\u015fageldik bankac\u0131l\u0131k reflekslerinin aksine, m\u00fc\u015fterinin bankac\u0131l\u0131k hizmetleri kapsam\u0131nda ortaya \u00e7\u0131kan veya toplanan verilerinin AISP ve PISP gibi \u00fc\u00e7\u00fcnc\u00fc ki\u015fi hizmet sa\u011flay\u0131c\u0131larla bunlar\u0131n sundu\u011fu hizmetlerin sa\u011flanabilmesi i\u00e7in payla\u015f\u0131lmas\u0131. H\u00e2lihaz\u0131rda bankalar hem kendi mevzuatlar\u0131 kapsam\u0131nda m\u00fc\u015fteri verisi niteli\u011findeki verilerin hem de ki\u015fisel verilerin korunmas\u0131 mevzuat\u0131 kapsam\u0131nda ki\u015fisel verilerin (\u00e7o\u011fu zaman ayn\u0131 anda her iki mevzuat kapsam\u0131nda) korunmas\u0131, i\u015flenmesi ve payla\u015f\u0131lmas\u0131 konusunda detayl\u0131 y\u00fck\u00fcml\u00fcl\u00fcklere tabii durumdalar. A\u00e7\u0131k bankac\u0131l\u0131k i\u00e7in en \u00f6nemlisi; ku\u015fkusuz, bu t\u00fcr verilerin \u00fc\u00e7\u00fcnc\u00fc ki\u015filerle payla\u015f\u0131lmas\u0131 konusunda mevcut s\u0131n\u0131rlamalar.<\/p>\n<p>\u0130lk bak\u0131\u015fta m\u00fc\u015fterilerden al\u0131nacak onay kapsam\u0131nda bu payla\u015f\u0131mlar\u0131n ger\u00e7ekle\u015ftirilmesi ve sonras\u0131nda da a\u00e7\u0131k bankac\u0131l\u0131k hizmetleri i\u00e7in ki\u015fisel verilerin ayn\u0131 onaya istinaden i\u015flenebilece\u011fini d\u00fc\u015f\u00fcnmek m\u00fcmk\u00fcn. Ancak detaya girildi\u011finde a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131n prati\u011fe d\u00f6k\u00fclmesinde bir\u00e7ok zorlu soruya cevap vermek gerekecek:<\/p>\n<ul>\n<li>Bankac\u0131l\u0131k mevzuat\u0131 uyar\u0131nca m\u00fc\u015fteri verileri i\u00e7in gerekli m\u00fc\u015fteri talimat\u0131 ile ki\u015fisel veriler i\u00e7in gerekli a\u00e7\u0131k r\u0131za s\u00fcre\u00e7lerinin ne \u015fekilde olu\u015fturulaca\u011f\u0131 (tek bir talimat ve onay \u015feklinde mi yoksa ayr\u0131 talimat ve onay s\u00fcreci mi),<\/li>\n<li>Bu y\u00fck\u00fcml\u00fcl\u00fckleri kimin yerine getirece\u011fi (banka, AISP, PISP, TPP),<\/li>\n<li>Talimat\/r\u0131za kay\u0131tlar\u0131n\u0131n ne \u015fekilde saklanaca\u011f\u0131 ve kimin eri\u015fimine a\u00e7\u0131k olaca\u011f\u0131,<\/li>\n<li>M\u00fc\u015fterilerin\/ilgili ki\u015filerin talimat\u0131n\/r\u0131zan\u0131n geri al\u0131nmas\u0131 haklar\u0131n\u0131 ne \u015fekilde kullanacaklar\u0131,<\/li>\n<li>Akt\u00f6rler aras\u0131 veri aktar\u0131mlar\u0131nda verilerin do\u011frulu\u011fu konusunda sorumlulu\u011fun kimde olaca\u011f\u0131 ve<\/li>\n<li>K\u00f6t\u00fc niyetli akt\u00f6rlere kar\u015f\u0131 koruma sorumlulu\u011funun ne \u015fekilde payla\u015f\u0131laca\u011f\u0131 bu sorulardan yaln\u0131zca baz\u0131lar\u0131.<\/li>\n<\/ul>\n<p>Bu belirsizliklere ra\u011fmen a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131ndan beklenen menfaatler d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde, temel hak ve \u00f6zg\u00fcrl\u00fckler kapsam\u0131nda veri gizlili\u011finin sa\u011flanmas\u0131 ile ekonomik, sosyal ve teknolojik geli\u015fme i\u00e7in verilerin serbest dola\u015f\u0131m\u0131 ihtiyac\u0131n\u0131n dengelenmesi gerekti\u011fi a\u00e7\u0131k. Bu konuda hem Ki\u015fisel Verilerin Korunmas\u0131 Kurumu ve BDDK gibi d\u00fczenleyici kamu kurumlar\u0131n\u0131n hem de sekt\u00f6r\u00fc olu\u015fturan ve olu\u015fturacak \u00f6zel kurulu\u015flar\u0131n bu sorunlar\u0131 \u00e7\u00f6zmek i\u00e7in birlikte \u00e7aba sarf etmesi en etkili y\u00f6ntem olacakt\u0131r. Kimsenin tek ba\u015f\u0131na \u00e7\u00f6z\u00fcme ula\u015fma imk\u00e2n\u0131na sahip olmad\u0131\u011f\u0131 noktada, farkl\u0131 alanlardaki uzmanlar\u0131n ve uzmanl\u0131klar\u0131n birlikte hareket etmesi gerekecek.<\/p>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>A\u00e7\u0131k bankac\u0131l\u0131k, bankac\u0131l\u0131k hizmetlerine ili\u015fkin al\u0131\u015fkanlar\u0131 k\u00f6kten de\u011fi\u015ftirecek ve bankalar\u0131n ve finansal teknoloji \u015firketlerinin ataca\u011f\u0131 ad\u0131mlar yard\u0131m\u0131yla yeni bir finansal hizmet \u00e7a\u011f\u0131n\u0131n ba\u015flamas\u0131 i\u00e7in ilk ad\u0131m at\u0131lm\u0131\u015f olacak.<\/p>\n<p>T\u00fcrkiye\u2019de a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n hukuki yap\u0131s\u0131na ili\u015fkin detayl\u0131 hukuki b\u00fcltenlerimize &#8220;<u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=WnpxaGI0Ti80aThsZitGVmUyRUdGeWNQbU84YmNEdk52bUtCVmpNM09VSUhtT2l3NjlDNVZOa2s5WDZncXBjVm1jWWlLOXV0WW9aS0pQaWdsUm5mZkwxWWFRZ09QQXFBekthb1hSVStzMUhwYWNQVTZZR1Zrckk5TGxMM0F2NUpZZnVtYnY3N1huakU5anBWajZCUDZvZWdUem4wS0VablZBTkVVbEpQMkpBRUF3ZkRqMzkzdXRJTTlqVVRya0tQMUZuM01HcDliVlpUOXgxZmk3UXNFdjl2VlZUTUFPbHhtcFV1Q2QzVjJBST0=&amp;rh=ff0061ab5d2169fa703b281b1247a6a0c0d057d8__;!!Hj9Y_P0nvg!FwvWLorVylWaGkVgMF_PoeZyfzP9fNlgSP9ZsnoSVQzfQrVY9TAl52KGDjKAXqEXfjsajA$\"><strong>T\u00fcrkiye\u2019nin PSD2\u2019si: A\u00e7\u0131k Bankac\u0131l\u0131k Reformu Yasala\u015ft\u0131 \/ Pazar yeri uygulamalar\u0131n\u0131n izin almas\u0131 gerekebilecek<\/strong><\/a><\/u>&#8221; ve &#8220;<u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=WnpxaGI0Ti80aThsZitGVmUyRUdGeWNQbU84YmNEdk52bUtCVmpNM09VSUhtT2l3NjlDNVZOa2s5WDZncXBjVm1jWWlLOXV0WW9Zd3Qvcks4WUVhMGJ1VGlOSHExNktPMHJtZnkxYUxqeWJOaE5KWGl2ckRpRHFyNE5sOWlLY051dmwrVVMzQlh3TE9BZTk5SjNkclN6OUdnUTYzYTBZZmZJcFpmMXFqUVlCdHdQeUNDKzZ2dnVGRGFDQUN4bHNVZG1LZzIySnNjVWZ1OCsrUkVsaG0wUT09&amp;rh=ff0061ab5d2169fa703b281b1247a6a0c0d057d8__;!!Hj9Y_P0nvg!FwvWLorVylWaGkVgMF_PoeZyfzP9fNlgSP9ZsnoSVQzfQrVY9TAl52KGDjKAXqHgztfbfQ$\"><strong>Bankalar\u0131n Bilgi Sistemleri ve Elektronik Bankac\u0131l\u0131k Hizmetleri Hakk\u0131nda Yeni D\u00fczenleme<\/strong><\/a><\/u>&#8221; ula\u015fabilirsiniz.<\/p>\n<p><strong>COVID-19 salg\u0131n\u0131 ile ilgili hukuki d\u00fczenlemelerle ilgili bilgilere <\/strong><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=ZE9tY0p0YUNLTmt4TkhVeXF4UFNPUkgwV2ZmSlhhY2JReVpjY0xNbldLYmFoVllNV25zRHUzZnVhd0dTQS9sWGZKSHM4a0Rqc3R4V2d2Ym1FcmJpNVFCbWtmU05kTU5j&amp;rh=ff005f13e061a310c0e56622ef41bd806c46eb5c__;!!Hj9Y_P0nvg!AsO5e9VQh8Zoqx5O5JiylnO7xIep-89L7TO3OWYTi_MUr391q6BB5z8Xdqj7jUAaxerrcw$\"><strong>Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131 Coronavir\u00fcs Masas\u0131<\/strong><\/a><strong>&#8216;ndan ula\u015fabilirsiniz.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Giri\u015f Finansal piyasalar, son birka\u00e7 y\u0131lda h\u0131zl\u0131 bir de\u011fi\u015fime ve d\u00f6n\u00fc\u015f\u00fcme sahne oluyor. Bu de\u011fi\u015fim s\u00fcrecinde, 21. y\u00fczy\u0131l\u0131n en \u00f6nemli [&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":[120,149],"tags":[90,93],"class_list":["post-16433","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","category-covid-19-tr","tag-banking-finance-tr","tag-information-technology-communications-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>COVID-19 Salg\u0131n\u0131 T\u00fcrkiye&#039;nin A\u00e7\u0131k Bankac\u0131l\u0131k Yolculu\u011funu H\u0131zland\u0131r\u0131yor<\/title>\n<meta name=\"description\" content=\"Giri\u015f Finansal piyasalar, son birka\u00e7 y\u0131lda h\u0131zl\u0131 bir de\u011fi\u015fime ve d\u00f6n\u00fc\u015f\u00fcme sahne oluyor. Bu de\u011fi\u015fim s\u00fcrecinde, 21. y\u00fczy\u0131l\u0131n en \u00f6nemli dijital d\u00f6n\u00fc\u015f\u00fcm\u00fc ise\" \/>\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.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"COVID-19 Salg\u0131n\u0131 T\u00fcrkiye&#039;nin A\u00e7\u0131k Bankac\u0131l\u0131k Yolculu\u011funu H\u0131zland\u0131r\u0131yor\" \/>\n<meta property=\"og:description\" content=\"Giri\u015f Finansal piyasalar, son birka\u00e7 y\u0131lda h\u0131zl\u0131 bir de\u011fi\u015fime ve d\u00f6n\u00fc\u015f\u00fcme sahne oluyor. Bu de\u011fi\u015fim s\u00fcrecinde, 21. y\u00fczy\u0131l\u0131n en \u00f6nemli dijital d\u00f6n\u00fc\u015f\u00fcm\u00fc ise\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/\" \/>\n<meta property=\"og:site_name\" content=\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\" \/>\n<meta property=\"article:published_time\" content=\"2020-05-22T12:04:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-09T13:06:49+00:00\" \/>\n<meta name=\"author\" content=\"R\u0131dvan Konrat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"R\u0131dvan Konrat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/\"},\"author\":{\"name\":\"R\u0131dvan Konrat\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae\"},\"headline\":\"COVID-19 Salg\u0131n\u0131 T\u00fcrkiye&#8217;nin A\u00e7\u0131k Bankac\u0131l\u0131k Yolculu\u011funu H\u0131zland\u0131r\u0131yor\",\"datePublished\":\"2020-05-22T12:04:52+00:00\",\"dateModified\":\"2022-06-09T13:06:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/\"},\"wordCount\":1723,\"publisher\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\"},\"keywords\":[\"Bankac\u0131l\u0131k ve Finans\",\"Bilgi Teknolojileri ve Telekom\u00fcnikasyon\"],\"articleSection\":[\"Hukuk B\u00fcltenleri\",\"Covid-19\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/2020\/05\/22\/covid-19-salgini-turkiyenin-acik-bankacilik-yolculugunu-hizlandiriyor\/\",\"name\":\"COVID-19 Salg\u0131n\u0131 T\u00fcrkiye'nin A\u00e7\u0131k Bankac\u0131l\u0131k Yolculu\u011funu H\u0131zland\u0131r\u0131yor\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#website\"},\"datePublished\":\"2020-05-22T12:04:52+00:00\",\"dateModified\":\"2022-06-09T13:06:49+00:00\",\"description\":\"Giri\u015f Finansal piyasalar, son birka\u00e7 y\u0131lda h\u0131zl\u0131 bir de\u011fi\u015fime ve d\u00f6n\u00fc\u015f\u00fcme sahne oluyor. 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