{"id":19174,"date":"2021-04-06T14:49:20","date_gmt":"2021-04-06T14:49:20","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=19174"},"modified":"2022-06-09T13:19:58","modified_gmt":"2022-06-09T13:19:58","slug":"subesiz-bankacilik-nihayet-geldi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2021\/04\/06\/subesiz-bankacilik-nihayet-geldi\/","title":{"rendered":"\u015eubesiz Bankac\u0131l\u0131k Nihayet Geldi"},"content":{"rendered":"

 <\/p>\n

\"\"Art\u0131k b\u00fcltenlerimizi sesli olarak da dinleyebilirsiniz!<\/strong><\/a><\/p>\n

Yeni Geli\u015fme<\/strong><\/p>\n

Bankalarca Kullan\u0131lacak Uzaktan Kimlik Tespiti Y\u00f6ntemlerine ve Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin Kurulmas\u0131na \u0130li\u015fkin Y\u00f6netmelik (\u201cY\u00f6netmelik<\/strong>\u201c) 1 May\u0131s 2021 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmek \u00fczere, 1 Nisan 2021 tarihinde 31441 say\u0131l\u0131 Resmi Gazete’de yay\u0131mland\u0131. Y\u00f6netmelik’in taslak metni olan Bankalarca Kullan\u0131lacak Uzaktan Kimlik Tespiti Y\u00f6ntemlerine \u0130li\u015fkin Tebli\u011f Tasla\u011f\u0131’na ili\u015fkin bilgi i\u00e7in 25 Eyl\u00fcl 2020 tarihli hukuk b\u00fcltenimizi<\/a> inceleyebilirsiniz.<\/p>\n

Y\u00f6netmelik Neleri \u00d6ng\u00f6r\u00fcyor?<\/strong><\/p>\n

Y\u00f6netmelik, bankalar i\u00e7in yeni m\u00fc\u015fteri kazan\u0131m\u0131nda ve m\u00fc\u015fteri kimli\u011finin do\u011frulanmas\u0131nda kullan\u0131labilecek uzaktan kimlik tespiti y\u00f6ntemlerine ili\u015fkin olarak, yukar\u0131da belirtilen taslak tebli\u011f metni ile b\u00fcy\u00fck oranda ayn\u0131 olan d\u00fczenlemeler i\u00e7eriyor. Bunun yan\u0131 s\u0131ra Y\u00f6netmelik’te, kimlik tespitini m\u00fcteakip s\u00f6zle\u015fme ili\u015fkisinin kurulmas\u0131 hususu da ayr\u0131ca d\u00fczenleniyor.<\/p>\n

Uzaktan Kimlik Tespiti Y\u00f6ntemleri<\/strong><\/p>\n

Uzaktan kimlik tespiti, banka personeli (\u201cM\u00fc\u015fteri Temsilcisi<\/strong>\u201c) ile m\u00fc\u015fterinin fiziksel olarak ayn\u0131 ortamda bulunmalar\u0131na gerek olmadan, \u00e7evrim i\u00e7i olarak g\u00f6r\u00fcnt\u00fcl\u00fc g\u00f6r\u00fc\u015fmeleri ve birbiriyle ileti\u015fim kurmalar\u0131 ile ger\u00e7ekle\u015fecek.<\/p>\n

Kimlik tespiti s\u00fcreci, m\u00fc\u015fteri taraf\u0131ndan banka uygulamas\u0131 \u00fczerinden elektronik bir formun doldurulmas\u0131 ile ba\u015flat\u0131lacak. G\u00f6r\u00fc\u015fme \u00f6ncesinde m\u00fc\u015fterinin 6698 say\u0131l\u0131 Ki\u015fisel Verilerin Korunmas\u0131 Kanunu uyar\u0131nca a\u00e7\u0131k r\u0131zas\u0131 al\u0131nacak ve biyometrik verisi haricinde herhangi bir \u00f6zel nitelikli ki\u015fisel verisi i\u015flenmeyecek.<\/p>\n

G\u00f6r\u00fcnt\u00fcl\u00fc g\u00f6r\u00fc\u015fme ile uzaktan kimlik tespiti ger\u00e7ek zamanl\u0131 ve kesintisiz \u015fekilde yap\u0131lacak ve g\u00f6r\u00fc\u015fme u\u00e7tan uca g\u00fcvenli ileti\u015fim ile ger\u00e7ekle\u015ftirilecek. Bu do\u011frultuda, belgelerin ger\u00e7ekli\u011finin tasdik edilebilmesine imkan sa\u011flayan \u0131\u015f\u0131k seviyesi ve m\u00fc\u015fterinin kimli\u011finin do\u011frulanabilmesi i\u00e7in telefonuna tek kullan\u0131ml\u0131k \u015fifre (SMS OTP) iletilmesi gibi g\u00fcvenlik \u00f6nlemleri g\u00f6zetilecek.<\/p>\n

Uzaktan kimlik tespitine ili\u015fkin s\u00fcre\u00e7ler ve sistemler, g\u00f6revler ayr\u0131l\u0131\u011f\u0131 prensibine uygun \u015fekilde kritik bir i\u015flem olarak de\u011ferlendirilecek, i\u015flemin tek bir ki\u015fi taraf\u0131ndan ba\u015flat\u0131lmas\u0131, onaylanmas\u0131 ve tamamlanmas\u0131na imk\u00e2n vermeyecek \u015fekilde i\u015fletilecek.<\/p>\n

Kimlik do\u011frulama ve ilgili belgeleri<\/u><\/em><\/p>\n

G\u00fcvenlik do\u011frulamas\u0131 i\u00e7in kimlik belgesi kullan\u0131lacak olmakla beraber kimlik belgesinin g\u00fcvenlik \u00f6gelerini (giyo\u015f, g\u00f6kku\u015fa\u011f\u0131 bask\u0131, optik de\u011fi\u015fken m\u00fcrekkep, gizli g\u00f6r\u00fcnt\u00fc, hologram, mikro yaz\u0131) haiz, foto\u011frafl\u0131 ve imzal\u0131 olmas\u0131 gerekecek. Bu kapsamda kimlik belgesinin yetkili makamca tan\u0131mlanan \u00f6zelliklere sahip oldu\u011fu, ge\u00e7erlilik s\u00fcresi, kimlik belgesinin de\u011fi\u015ftirilmedi\u011fi veya zarar g\u00f6rmedi\u011fi gibi hususlar da asgari olarak do\u011frulanacak.<\/p>\n

Belgelerin tespiti ile beraber, ki\u015finin do\u011frulanmas\u0131 i\u00e7in ki\u015finin g\u00f6r\u00fcnt\u00fcs\u00fc ve sa\u011flad\u0131\u011f\u0131 bilgilerin kimli\u011fe uygunlu\u011funun denetimi ve yukar\u0131da belirtilen yeterli \u0131\u015f\u0131k seviyesi ve tek kullan\u0131ml\u0131k \u015fifrenin aranmas\u0131n\u0131n yan\u0131 s\u0131ra, sahte y\u00fcz teknolojisine dair riskleri \u00f6nlemeye y\u00f6nelik ilave tedbirlerin bulunmas\u0131 da sa\u011flanacak.<\/p>\n

Uzaktan kimlik tespiti s\u00fcrecinin tamam\u0131, s\u00fcrecin t\u00fcm ad\u0131mlar\u0131n\u0131 i\u00e7erecek ve denetlenebilir olmas\u0131n\u0131 sa\u011flayacak \u015fekilde kay\u0131t alt\u0131na al\u0131nacak ve saklanacak. \u0130lgili veri saklama s\u00fcre\u00e7lerinin tespitinde 6698 say\u0131l\u0131 Kanun ve bankac\u0131l\u0131k sekt\u00f6r\u00fcndeki ilgili d\u00fczenleme h\u00fck\u00fcmleri g\u00f6z \u00f6n\u00fcnde bulundurulacak.<\/p>\n

Uzaktan kimlik tespitinde sorumluluk<\/u><\/em><\/p>\n

Uzaktan kimlik tespiti i\u00e7in kullan\u0131lan \u00e7\u00f6z\u00fcmlerin ki\u015fiyi yanl\u0131\u015f tespit riskini en aza indirecek \u015fekilde kullan\u0131lmas\u0131n\u0131 sa\u011flamak bankan\u0131n sorumlulu\u011funda olacak ve banka uzaktan kimlik tespiti ile kimlik tespiti ger\u00e7ekle\u015ftirdi\u011fi ki\u015fileri farkl\u0131 bir risk profilinde izleyecek. Bu ki\u015filerce yap\u0131lan i\u015flemin t\u00fcr\u00fcne ve tutar\u0131na ba\u011fl\u0131 olarak ilave g\u00fcvenlik ve kontrol y\u00f6ntemleri uygulanacak. Ki\u015filere ya da \u00fc\u00e7\u00fcnc\u00fc bir tarafa y\u00fck\u00fcml\u00fcl\u00fck getiren i\u015flemlerde itiraz halinde ispat y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bankada olacakt\u0131r.<\/p>\n

Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin Kurulmas\u0131<\/strong><\/p>\n

Y\u00f6netmelik’te d\u00fczenlenen y\u00f6ntemler uyar\u0131nca uzaktan kimlik tespiti yap\u0131lmas\u0131n\u0131 m\u00fcteakiben, (i) m\u00fc\u015fterinin s\u00f6zle\u015fmeyi kuran irade beyan\u0131n\u0131n uzaktan kimlik tespitinin g\u00f6r\u00fcnt\u00fcl\u00fc g\u00f6r\u00fc\u015fme a\u015famas\u0131nda al\u0131nmas\u0131 ya da (ii) s\u00f6zle\u015fmenin elektronik ortamda kurulmas\u0131 \u015fart\u0131yla, bankalar, resmi \u015fekle veya \u00f6zel merasime tabi olmayan her t\u00fcrl\u00fc s\u00f6zle\u015fmesel ili\u015fkiyi yaz\u0131l\u0131 \u015fekil \u015fart\u0131 yerine ge\u00e7ecek \u015fekilde elektronik olarak kurabilecekler.<\/p>\n

Elektronik ara\u00e7lar ile s\u00f6zle\u015fmenin elektronik ortamda kurulabilmesi i\u00e7in (i) elektronik s\u00f6zle\u015fmenin t\u00fcm h\u00fck\u00fcm ve \u015fartlar\u0131n\u0131n m\u00fc\u015fteriye okuyabilece\u011fi \u015fekilde internet bankac\u0131l\u0131\u011f\u0131 ve mobil bankac\u0131l\u0131k \u00fczerinden iletilmi\u015f olmas\u0131, (ii) m\u00fc\u015fteriye iletin s\u00f6zle\u015fme ve m\u00fc\u015fterinin bu s\u00f6zle\u015fmeyi kuran irade beyan\u0131n\u0131n m\u00fc\u015fteriye \u00f6zg\u00fc \u015fifreleme gizli anahtar\u0131 ile imzalanarak bankaya iletmesi ve (iii) m\u00fc\u015fteriye (i) paragraf\u0131 uyar\u0131nca iletilen s\u00f6zle\u015fme i\u00e7eri\u011fi ile m\u00fc\u015fterinin (ii) paragraf\u0131 uyar\u0131nca imzalad\u0131\u011f\u0131 s\u00f6zle\u015fmenin birebir ayn\u0131 olmas\u0131 gerekmektedir.<\/p>\n

Sonu\u00e7<\/strong><\/p>\n

Y\u00f6netmelik, m\u00fc\u015fterilerin banka \u015fubesine gitmeden bankac\u0131l\u0131k hizmetlerinden faydalanabilmesi ve bankac\u0131l\u0131k i\u015flemlerinin daha da b\u00fcy\u00fck bir k\u0131sm\u0131n\u0131 uzaktan tamamlayabilmesi y\u00f6n\u00fcnden b\u00fcy\u00fck bir ad\u0131m te\u015fkil ediyor. Bu geli\u015fmeler, \u015fubecilik faaliyetlerinin azalmas\u0131n\u0131 sa\u011flamas\u0131 ile beraber, veri koruma ve do\u011frulama alan\u0131ndaki teknolojik geli\u015fmelerin bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fc de gittik\u00e7e daha \u00e7ok etkileyece\u011fini i\u015faret etmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"

  Art\u0131k b\u00fcltenlerimizi sesli olarak da dinleyebilirsiniz! Yeni Geli\u015fme Bankalarca Kullan\u0131lacak Uzaktan Kimlik Tespiti Y\u00f6ntemlerine ve Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin […]<\/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":[90,93],"class_list":["post-19174","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr","tag-information-technology-communications-tr"],"acf":[],"yoast_head":"\n\u015eubesiz Bankac\u0131l\u0131k Nihayet Geldi<\/title>\n<meta name=\"description\" content=\"  Art\u0131k b\u00fcltenlerimizi sesli olarak da dinleyebilirsiniz! 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