{"id":21389,"date":"2021-12-31T07:37:24","date_gmt":"2021-12-31T07:37:24","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=21389"},"modified":"2022-06-09T13:32:28","modified_gmt":"2022-06-09T13:32:28","slug":"devrim-basladi-uzun-suredir-beklenen-subesiz-dijital-bankacilik-yonetmeligi-resmi-gazetede-yayinlandi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2021\/12\/31\/devrim-basladi-uzun-suredir-beklenen-subesiz-dijital-bankacilik-yonetmeligi-resmi-gazetede-yayinlandi\/","title":{"rendered":"Devrim Ba\u015flad\u0131: Uzun S\u00fcredir Beklenen \u015eubesiz (Dijital) Bankac\u0131l\u0131k Y\u00f6netmeli\u011fi Resmi Gazete’de Yay\u0131nland\u0131!"},"content":{"rendered":"

Yeni Geli\u015fmeler<\/strong><\/h3>\n

Daha \u00f6nce Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun (”BDDK<\/strong>”) tasla\u011f\u0131n\u0131 yay\u0131mlad\u0131\u011f\u0131, \u015fubesiz bankac\u0131l\u0131k ve servis bankac\u0131l\u0131\u011f\u0131 esaslar\u0131n\u0131 belirleyecek olan Dijital Bankalar\u0131n Faaliyet Esaslar\u0131 ile Servis Modeli Bankac\u0131l\u0131\u011f\u0131 Hakk\u0131nda Y\u00f6netmelik (“Y\u00f6netmelik<\/strong>“), 1 Ocak 2022 tarihi itibariyle y\u00fcr\u00fcrl\u00fc\u011fe girecek \u015fekilde 29 Aral\u0131k 2021’de Resmi Gazete’de yay\u0131mland\u0131.<\/p>\n

Taslak Y\u00f6netmelik ile detayl\u0131 a\u00e7\u0131klamalar\u0131m\u0131z\u0131n yer ald\u0131\u011f\u0131 b\u00fcltenimize buradan<\/a>, Y\u00f6netmelik’e ise buradan <\/a>ula\u015fabilirsiniz.<\/p>\n

Y\u00f6netmelik ne getiriyor?<\/strong><\/h3>\n

Y\u00f6netmelik, fiziksel bir \u015fube olmaks\u0131z\u0131n sadece dijital kanallar \u00fczerinden hizmet verecek bankalar\u0131n faaliyette bulunmalar\u0131na imkan tan\u0131yacak \u015fubesiz bankalar\u0131n faaliyet esaslar\u0131n\u0131, \u015fartlar\u0131n\u0131 ve servis modeli bankac\u0131l\u0131\u011f\u0131 esaslar\u0131n\u0131 belirliyor.<\/p>\n

Dijital Bankac\u0131l\u0131k<\/u><\/strong><\/p>\n

Kurulu\u015f \/ Faaliyet \u0130zni \u015eartlar\u0131 <\/strong><\/p>\n

    \n
  • Dijital bankalar\u0131n asgari \u00f6denmi\u015f sermayesi bir milyar T\u00fcrk Liras\u0131 olacak.<\/li>\n
  • Dijital bankalar, genel m\u00fcd\u00fcrl\u00fck ile genel m\u00fcd\u00fcrl\u00fc\u011fe ba\u011fl\u0131 hizmet birimleri d\u0131\u015f\u0131nda te\u015fkilatlanmaya gidemeyecek, fiziki \u015fube a\u00e7amayacak ve genel m\u00fcd\u00fcrl\u00fckleri fiziki \u015fube olarak kullanamayacak. Bununla birlikte bu bankalar, m\u00fc\u015fteri \u015fikayetleri i\u00e7in en az bir fiziki ofis a\u00e7makla y\u00fck\u00fcml\u00fc olacak.<\/li>\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, BDDK s\u00f6z konusu h\u00e2kim ortak t\u00fczel ki\u015filerin veya bu t\u00fczel ki\u015filerin kontrol\u00fcn\u00fc elinde bulunduranlar\u0131n 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.<\/li>\n
  • Di\u011fer bankalar i\u00e7in ge\u00e7erli olan kurulu\u015f ve faaliyet izni \u015fartlar\u0131, dijital bankalar i\u00e7in de ge\u00e7erli olacak.<\/li>\n<\/ul>\n

    M\u00fc\u015fteri Portf\u00f6y\u00fc, Faaliyet K\u0131s\u0131tlamalar\u0131 ve BDDK G\u00f6zetimi<\/strong><\/p>\n

      \n
    • Yaln\u0131zca finansal t\u00fcketiciler ve KOB\u0130\u2019ler dijital banka m\u00fc\u015fterisi olabilecek. \u0130stisnai olarak, Dijital Bankalar, KOB\u0130 boyutunu a\u015fan i\u015fletmelere yaln\u0131zca d\u00f6viz kredisi kulland\u0131rmak \u00fczere hizmet verebilecek.<\/li>\n
    • Dijital bankalar\u0131n, herhangi bir finansal t\u00fcketici m\u00fc\u015fterisine kulland\u0131rabilece\u011fi,\u00a0 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 a\u015famayacak. M\u00fc\u015fterinin ayl\u0131k ortalama net gelirinin tespit edilememesi halinde, bu t\u00fcr m\u00fc\u015fteriler i\u00e7in kulland\u0131r\u0131labilecek teminats\u0131z nakdi kredilerin toplam\u0131 en fazla on bin T\u00fcrk Liras\u0131 olacak.<\/li>\n<\/ul>\n

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

        \n
      • 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 olamayacak ve dijital bankalar taahh\u00fct edilen s\u00fcreklilik y\u00fczdesi de\u011ferlerini internet sitelerinin ana sayfas\u0131nda g\u00f6r\u00fcnecek \u015fekilde ilan etmekle y\u00fck\u00fcml\u00fc olacaklar.<\/li>\n<\/ul>\n

        Servis Modeli Bankac\u0131l\u0131\u011f\u0131<\/u><\/strong><\/p>\n

          \n
        • Y\u00f6netmelik ile servis modeli bankac\u0131l\u0131\u011f\u0131 “aray\u00fcz sa\u011flay\u0131c\u0131lar\u0131n sunduklar\u0131 aray\u00fcz yoluyla m\u00fc\u015fterilerin, servis bankalar\u0131n\u0131n sistemleriyle do\u011frudan\u00a0 a\u00e7\u0131k bankac\u0131l\u0131k servisleri arac\u0131l\u0131\u011f\u0131yla ba\u011flant\u0131 kurarak servis bankas\u0131 \u00fczerinden bankac\u0131l\u0131k i\u015flemlerini ger\u00e7ekle\u015ftirebildikleri hizmet modeli” olarak tan\u0131mlan\u0131yor.<\/li>\n
        • Y\u00f6netmelik uyar\u0131nca bankalar\u0131n aray\u00fcz sa\u011flay\u0131c\u0131 olmas\u0131 yasaklan\u0131yor.<\/li>\n
        • Aray\u00fcz geli\u015ftiren s\u00f6z konusu finansal teknoloji \u015firketleri hi\u00e7bir surette faaliyetlerinde banka, \u00f6deme kurulu\u015fu, elektronik para kurulu\u015fu gibi adlar\u0131 ya da banka\/\u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 gibi faaliyet g\u00f6sterdiklerini ya da banka\/\u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 gibi mevduat, kat\u0131l\u0131m fonu ya da fon toplad\u0131klar\u0131 izlenimini uyand\u0131racak s\u00f6z ve deyimleri kullanamayacak.<\/li>\n
        • Servis bankalar\u0131, hizmet verdikleri t\u00fcm aray\u00fcz sa\u011flay\u0131c\u0131lar\u0131n listesi ve hangi bankac\u0131l\u0131k hizmetlerini kulland\u0131rd\u0131klar\u0131n\u0131 internet sitesi \u00fczerinden yay\u0131nlayacak ve aray\u00fcz sa\u011flay\u0131c\u0131lar ile imzalad\u0131klar\u0131 her hizmet s\u00f6zle\u015fmesini her s\u00f6zle\u015fme de\u011fi\u015fikli\u011finin bir \u00f6rne\u011fini BDDK’ya iletecek.<\/li>\n
        • Servis bankas\u0131n\u0131n aray\u00fcz sa\u011flay\u0131c\u0131yla yapt\u0131\u011f\u0131 s\u0131r niteli\u011findeki bilgi payla\u015f\u0131mlar\u0131 ile aray\u00fcz sa\u011flay\u0131c\u0131n\u0131n sistemlerinden m\u00fc\u015fterilerin ba\u015flatt\u0131\u011f\u0131 i\u015flemler, S\u0131r Niteli\u011findeki Bilgilerin Payla\u015f\u0131lmas\u0131 Hakk\u0131nda Y\u00f6netmelik kapsam\u0131nda olacak.<\/li>\n
        • Aray\u00fcz sa\u011flay\u0131c\u0131ya m\u00fc\u015fteri talebi do\u011frultusunda aktar\u0131lan s\u0131r niteli\u011findeki bilgiler ancak i\u015flemenin aray\u00fcz sa\u011flay\u0131c\u0131 ile m\u00fc\u015fteri aras\u0131ndaki s\u00f6zle\u015fmenin kurulmas\u0131 veya ifas\u0131 ile do\u011frudan ilgili ve gerekli oldu\u011fu; aray\u00fcz sa\u011flay\u0131c\u0131s\u0131n\u0131n hukuki y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc yerine getirebilmesi i\u00e7in zorunlu oldu\u011fu, veya aray\u00fcz sa\u011flay\u0131c\u0131 i\u00e7in hakk\u0131n tesisi, kullan\u0131lmas\u0131 veya korunmas\u0131 i\u00e7in zorunlu oldu\u011fu hallerde aray\u00fcz taraf\u0131ndan ya da aray\u00fcz sa\u011flay\u0131c\u0131 ad\u0131na aray\u00fcz sa\u011flay\u0131c\u0131s\u0131n\u0131n hizmet ald\u0131\u011f\u0131 taraflarca i\u015flenebilecek.<\/li>\n
        • Y\u00f6netmelik’te servis bankas\u0131yla aray\u00fcz sa\u011flay\u0131c\u0131 aras\u0131ndaki hizmet s\u00f6zle\u015fmesinde bulunmas\u0131 gereken unsurlar detayl\u0131 bir bi\u00e7imde d\u00fczenleniyor. Ayr\u0131ca, aray\u00fcz sa\u011flay\u0131c\u0131ya aktar\u0131lan s\u0131r niteli\u011findeki verilerin aray\u00fcz sa\u011flay\u0131c\u0131 ya da aray\u00fcz sa\u011flay\u0131c\u0131 ad\u0131na hizmet ald\u0131\u011f\u0131 taraflarca i\u015flendi\u011fi sistem ve yedeklerinin yurt i\u00e7inde bulundurulmas\u0131 zorunlu olacak.<\/li>\n
        • Aray\u00fcz sa\u011flay\u0131c\u0131n\u0131n sistem ve veri yedekleri kapsam\u0131nda bulut bili\u015fim hizmetini ancak (i) aray\u00fcz sa\u011flay\u0131c\u0131n\u0131n kendisine tahsis edilmi\u015f donan\u0131m ve yaz\u0131l\u0131m kaynaklar\u0131 \u00fczerinden \u00f6zel bulut hizmet modeliyle ya da (ii) BDDK’n\u0131n g\u00f6zetim ve denetimine tabi kurulu\u015flara tahsis edilmi\u015f donan\u0131m ve yaz\u0131l\u0131m kaynaklar\u0131n\u0131n fiziksel olarak payla\u015f\u0131ld\u0131\u011f\u0131 ancak mant\u0131ksal olarak her kurulu\u015fa \u00f6zg\u00fc ayr\u0131 kayna\u011f\u0131n atand\u0131\u011f\u0131 ve BDDK’n\u0131n izin verdi\u011fi topluluk bulutu modeliyle d\u0131\u015f hizmet alabilecek.<\/li>\n
        • Servis bankas\u0131, aray\u00fcz sa\u011flay\u0131c\u0131dan ald\u0131\u011f\u0131 destek hizmetleri ile aray\u00fcz sa\u011flay\u0131c\u0131ya sundu\u011fu hizmetlerle s\u0131n\u0131rl\u0131 olmak \u00fczere, m\u00fc\u015fteri s\u0131rr\u0131 niteli\u011findeki verilerin gizlili\u011finin ve g\u00fcvenli\u011finin sa\u011flanmas\u0131 ve aray\u00fcz sa\u011flay\u0131c\u0131n\u0131n hizmet kanallar\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilecek i\u015flemlerde kimlik do\u011frulama ve i\u015flem g\u00fcvenli\u011fi kriterlerine uyumun sa\u011flanmas\u0131 konusunda aray\u00fcz sa\u011flay\u0131c\u0131 nezdinde denetim yapabilecek ve ilgili bilgi, belge ve kay\u0131tlar\u0131 inceleyebilecek.<\/li>\n<\/ul>\n

          Mevcut Bankalar\u0131n Durumu<\/u><\/strong><\/p>\n

            \n
          • Halihaz\u0131rda faaliyet izni bulunan bankalar\u0131n faaliyetlerini dijitale ta\u015f\u0131mak i\u00e7in ayr\u0131ca bir ba\u015fvuru s\u00fcrecine girmelerine gerek olmayacak. Ancak, s\u00f6z konusu bankalar faaliyetlerini k\u0131smen ya da tamamen dijital bankac\u0131l\u0131\u011fa ta\u015f\u0131mak istemeleri halinde mevcut \u015fubelerini BDDK’n\u0131n uygun g\u00f6rece\u011fi bir plan dahilinde kapatmalar\u0131 gerekecek. Bununla birlikte, bankalar\u0131n faaliyetlerini sadece elektronik bankac\u0131l\u0131k hizmetleri da\u011f\u0131t\u0131m kanallar\u0131 ile ger\u00e7ekle\u015ftirmek istemeleri halinde, s\u00f6z konusu bankalar\u0131n bilgi sistemlerinin, BDDK Te\u015fkilat Y\u00f6netmeli\u011fine g\u00f6re\u00a0 yerinde denetime konu edilmesi ve BDDK’n\u0131n s\u00f6z konusu bankalar\u0131n bilgi sistemlerinin yeterlili\u011fi konusunda uygun g\u00f6r\u00fc\u015f\u00fcn\u00fcn al\u0131nmas\u0131 gerekecek.<\/li>\n<\/ul>\n

            Sonu\u00e7<\/strong><\/h3>\n

            Y\u00f6netmelik ile uzun s\u00fcredir merakla beklenen ve \u00fclkemizde yeni nesil bankac\u0131l\u0131k olarak y\u00fckselecek olan \u015fubesiz bankac\u0131l\u0131\u011f\u0131n genel hatlar\u0131n\u0131n belirlenmesi ve bankalar\u0131n, finansal teknoloji kurulu\u015flar\u0131na sa\u011flayacaklar\u0131 altyap\u0131 ile bu \u015firketlerin finansal \u00fcr\u00fcn ve hizmetler sunabilmesine olanak sa\u011flayan servis bankac\u0131l\u0131\u011f\u0131 modeli hayata ge\u00e7iriliyor.<\/p>\n

            Y\u00f6netmelik’in, 1 Ocak 2022 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle birlikte bankac\u0131l\u0131k faaliyetlerinde yeni bir d\u00f6nem ba\u015flayacak.<\/p>\n","protected":false},"excerpt":{"rendered":"

            Yeni Geli\u015fmeler Daha \u00f6nce Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun (”BDDK”) tasla\u011f\u0131n\u0131 yay\u0131mlad\u0131\u011f\u0131, \u015fubesiz bankac\u0131l\u0131k ve servis bankac\u0131l\u0131\u011f\u0131 esaslar\u0131n\u0131 belirleyecek olan […]<\/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":[90,94,160],"class_list":["post-21389","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr","tag-international-commercial-and-trade-tr","tag-finansal-teknolojiler-fintek"],"acf":[],"yoast_head":"\nDevrim Ba\u015flad\u0131: Uzun S\u00fcredir Beklenen \u015eubesiz (Dijital) Bankac\u0131l\u0131k Y\u00f6netmeli\u011fi Resmi Gazete'de Yay\u0131nland\u0131!<\/title>\n<meta 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