{"id":21632,"date":"2022-01-17T12:28:14","date_gmt":"2022-01-17T12:28:14","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=21632"},"modified":"2022-06-09T13:38:54","modified_gmt":"2022-06-09T13:38:54","slug":"finansal-kiralama-faktoring-finansman-ve-tasarruf-finansman-sirketleri-icin-uzaktan-kimlik-tespiti-yonetmeligi-yayimlandi","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2022\/01\/17\/finansal-kiralama-faktoring-finansman-ve-tasarruf-finansman-sirketleri-icin-uzaktan-kimlik-tespiti-yonetmeligi-yayimlandi\/","title":{"rendered":"Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri i\u00e7in Uzaktan Kimlik Tespiti Y\u00f6netmeli\u011fi Yay\u0131mland\u0131"},"content":{"rendered":"

Yeni Geli\u015fme <\/strong><\/h3>\n

Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketlerince Kullan\u0131lacak Uzaktan Kimlik Tespiti Y\u00f6ntemlerine ve Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin Kurulmas\u0131na \u0130li\u015fkin Y\u00f6netmelik (“Y\u00f6netmelik<\/strong>“) 11 Ocak 2022 tarihinde 31716 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mland\u0131. Y\u00f6netmelik, Resmi Gazete’de yay\u0131m\u0131 tarihinden bir ay sonra, 11 \u015eubat 2022 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girecek. Y\u00f6netmelik’e buradan <\/a>ula\u015fabilirsiniz.<\/p>\n

Y\u00f6netmelik Neler Getiriyor?<\/strong><\/h3>\n

Y\u00f6netmelik, finansal kiralama, faktoring, finansman ve tasarruf finansman \u015firketleri (“\u015firket<\/strong>“) taraf\u0131ndan yeni m\u00fc\u015fteri kazan\u0131m\u0131 ve uzaktan kimlik tespitine ili\u015fkin d\u00fczenlemeler ve elektronik ortamda s\u00f6zle\u015fme kurulmas\u0131na ili\u015fkin h\u00fck\u00fcmler i\u00e7eriyor. Dolay\u0131s\u0131yla Y\u00f6netmelik, banka d\u0131\u015f\u0131 finansal kurulu\u015flar\u0131n da uzaktan m\u00fc\u015fteri edinmesine imk\u00e2n sa\u011fl\u0131yor.<\/p>\n

Uzaktan Kimlik Tespiti Y\u00f6ntemleri<\/strong><\/h3>\n

Uzaktan kimlik tespiti, \u015eirket personeli (“M\u00fc\u015fteri Temsilcisi<\/strong>“) 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. M\u00fc\u015fteri Temsilcisi’nin g\u00f6revi kapsam\u0131nda gerekli e\u011fitimleri almas\u0131 sa\u011flanacak ve d\u0131\u015far\u0131dan hizmet al\u0131m\u0131 ile M\u00fc\u015fteri Temsilcisi istihdam edildi\u011fi takdirde bu ki\u015filerin \u015eirket’e \u00f6zel eri\u015fimi s\u0131n\u0131rland\u0131r\u0131lm\u0131\u015f bir alanda \u00e7al\u0131\u015fmas\u0131 Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumunun izni do\u011frultusunda m\u00fcmk\u00fcn olacak.<\/p>\n

Kimlik tespiti s\u00fcreci, m\u00fc\u015fteri taraf\u0131ndan \u015eirket 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 imk\u00e2n 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

Y\u00f6netmelik ile baz\u0131 lokalizasyon h\u00fck\u00fcmleri getirilmi\u015ftir. Bu kapsamda uzaktan kimlik tespitine y\u00f6nelik kullan\u0131lacak s\u00fcre\u00e7, sistem, \u00fcr\u00fcn ve hizmetlerin T\u00fcrkiye’de \u00fcretilmesi ya da ARGE merkezlerinin T\u00fcrkiye’de bulunmas\u0131 i\u00e7in \u00f6zen g\u00f6sterilecek ve bu t\u00fcr hizmet sa\u011flay\u0131c\u0131 ve \u00fcreticilerinin T\u00fcrkiye’de m\u00fcdahale ekiplerinin bulundurulmas\u0131 sa\u011flanacak.<\/p>\n

Kimlik do\u011frulama ve ilgili belgeleri<\/u><\/em><\/h3>\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 \u0131slak 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><\/h3>\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 \u015eirket’in sorumlulu\u011funda olacak ve \u015eirket 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 \u015eirket’te olacak.<\/p>\n

Elektronik Ortamda S\u00f6zle\u015fme \u0130li\u015fkisinin Kurulmas\u0131<\/strong><\/h3>\n

Y\u00f6netmelik\u2019te d\u00fczenlenen y\u00f6ntemler uyar\u0131nca uzaktan kimlik tespiti yap\u0131lmas\u0131n\u0131 m\u00fcteakiben, m\u00fc\u015fterinin s\u00f6zle\u015fmeyi kuran irade beyan\u0131 birbirinden ba\u011f\u0131ms\u0131z en az iki bile\u015fenden olu\u015fan bir kimlik do\u011frulama mekanizmas\u0131 ile kimlik do\u011frulamas\u0131 ger\u00e7ekle\u015ftirildikten sonra al\u0131nacakt\u0131r. Bu iki bile\u015fen; “m\u00fc\u015fterinin bildi\u011fi\u201d, \u201cm\u00fc\u015fterinin sahip oldu\u011fu\u201d veya \u201cbiyometrik bir karakteristi\u011fi olan\u201d unsur s\u0131n\u0131flar\u0131ndan farkl\u0131 ikisine ait olacak \u015fekilde se\u00e7ilecektir.<\/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 veya mobil hizmet kanallar\u0131 \u00fczerinden iletilmi\u015f olmas\u0131, (ii) m\u00fc\u015fterinin bu s\u00f6zle\u015fmeyi kuran irade beyan\u0131n\u0131n ve s\u00f6zle\u015fmenin m\u00fc\u015fteriye \u00f6zg\u00fc gizli \u015fifreleme anahtar\u0131 ile imzalanarak \u015eirket’e 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

Yapay Zek\u00e2 Temelli Uygulamalar<\/strong><\/h3>\n

Y\u00f6netmelik\u2019te yapay zek\u00e2 temelli uygulamalara ili\u015fkin bir h\u00fckme de yer verilmi\u015ftir. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, 7.500 TL tutar\u0131n\u0131 a\u015fmayan i\u015flemlerin, m\u00fc\u015fteri temsilcisi yerine yapay zek\u00e2 temelli y\u00f6ntemler arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilmesine ili\u015fkin uygulama esaslar\u0131n\u0131 belirlemeye yetkili k\u0131l\u0131nm\u0131\u015ft\u0131r.<\/p>\n

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

\u015eubesiz bankac\u0131l\u0131k d\u00fczenlemelerinden sonra \u015fimdi de finansal kiralama, faktoring, finansman ve tasarruf finansman \u015firketlerinin uzaktan kimlik tespiti yapmas\u0131 ve s\u00f6zle\u015fme ili\u015fkisine girmesinin \u00f6n\u00fc a\u00e7\u0131lm\u0131\u015ft\u0131r. Uzaktan m\u00fc\u015fteri edinimi imk\u00e2n\u0131 ve yaz\u0131l\u0131 \u015fekil \u015fart\u0131 aranmadan, yeni nesil teknolojiler arac\u0131l\u0131\u011f\u0131yla s\u00f6zle\u015fme ili\u015fkisi kurma olana\u011f\u0131, banka d\u0131\u015f\u0131 mali kurulu\u015flara da sa\u011flanm\u0131\u015ft\u0131r. Bu do\u011frultuda teknolojik geli\u015fmelerin finans ve bankac\u0131l\u0131k sekt\u00f6rlerine etkisi devam etmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"

Yeni Geli\u015fme Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketlerince 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":[160],"class_list":["post-21632","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-finansal-teknolojiler-fintek"],"acf":[],"yoast_head":"\nFinansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketleri i\u00e7in Uzaktan Kimlik Tespiti Y\u00f6netmeli\u011fi Yay\u0131mland\u0131<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme Finansal Kiralama, Faktoring, Finansman ve Tasarruf Finansman \u015eirketlerince Kullan\u0131lacak 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