{"id":24426,"date":"2023-01-06T07:09:42","date_gmt":"2023-01-06T07:09:42","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=24426"},"modified":"2023-01-06T07:09:57","modified_gmt":"2023-01-06T07:09:57","slug":"tcmbden-acik-bankacilik-hizmetlerine-iliskin-rehber","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2023\/01\/06\/tcmbden-acik-bankacilik-hizmetlerine-iliskin-rehber\/","title":{"rendered":"TCMB&#8217;den A\u00e7\u0131k Bankac\u0131l\u0131k Hizmetlerine \u0130li\u015fkin Rehber"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>TCMB<\/strong>&#8220;), ge\u00e7ti\u011fimiz Ekim ay\u0131nda, 6493 say\u0131l\u0131 \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemler, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131nda Kanun (&#8220;<strong>Kanun<\/strong>&#8220;) ve \u00d6deme Hizmetleri ve Elektronik Para \u0130hrac\u0131 ile \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131lar\u0131 Hakk\u0131nda Y\u00f6netmelik (&#8220;<strong>Y\u00f6netmelik<\/strong>&#8220;) kapsam\u0131nda d\u00fczenlenen \u00f6deme hizmetlerini, \u00f6demeler alan\u0131nda kullan\u0131lan i\u015f modelleri ile ili\u015fkilendirilerek uygulamada d\u00fczenlemelere uyum ve TCMB taraf\u0131ndan verilecek faaliyet izinleri ile ilgili hususlarda yeknesakl\u0131k sa\u011flamay\u0131 ama\u00e7layan bir <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=Nm1iRWV6RG5lQkp0c3pJZmRZanBXUXFqbWlDdUJsdGU0Zkc4TjlCVENXejdIbHlHQ1l5VmVNaWxEK2hVT2RZcXRtWmZudlI1QjhBdkhtUWRiNC96cGM3VXdCQkdCcEY2cEF1Uy9mZ0t5RUxYdUlNaXNjZHExNS81TEJHSmZOd0Q5WTZBRnQwNUo0VFd1OGdsNUtKYmtsNlB6U3R3NXZCNFJUclU0RzZuUnpQY0Yzd3B6dVNrMG5NVWp4MGJ1VExSY3NnS0N5VFNHb0lWNWVHQU5oSElhMjRFL3VRZkdLV3hGVCtsMGNFRlBtaC91VVpjY3UveGZvVEpDTDBLTjZKU1kzZEFHc2YxSm40eGliNVN3d3czNWc9PQ==&amp;rh=ff00a1572008eb5db250b719b844b7b2b0a8b529__;!!Hj9Y_P0nvg!TCS097jlO0cvQOhsyEu_Vu6cnoAxWseBRvMl652QnSyeqYZkiDAbnXp4BtDYvQiOcn-5-90pDql1I_rQH1EV24fOPQ$\">rehber<\/a> (&#8220;<strong>Rehber<\/strong>&#8220;) yay\u0131mlam\u0131\u015ft\u0131. Rehber&#8217;e ili\u015fkin 10\u00a0Ekim 2022 tarihli b\u00fcltenimize <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=Nm1iRWV6RG5lQkp0c3pJZmRZanBXUXFqbWlDdUJsdGU0Zkc4TjlCVENXdzlEN1kzbHhLWUxkVnJFYXRlTVpPK05tendTNnRqekVzUWU4YzY0U3V1WU95bVZhVk94VDIrdUkwNzN4WVBrTHAxMmVpenRFZ3pyVmVvbzRTeDBEeElWZGZkMEVka2xYTUIxZ0g5cmovTDBnPT0=&amp;rh=ff00a1572008eb5db250b719b844b7b2b0a8b529__;!!Hj9Y_P0nvg!TCS097jlO0cvQOhsyEu_Vu6cnoAxWseBRvMl652QnSyeqYZkiDAbnXp4BtDYvQiOcn-5-90pDql1I_rQH1FyI10Y_w$\">buradan<\/a> ula\u015fabilirsiniz.<\/p>\n<p>TCMB, bu defa, 30 Aral\u0131k 2022&#8217;de, Kanun ve \u00d6deme ve Elektronik Para Kurulu\u015flar\u0131n\u0131n Bilgi Sistemleri ile \u00d6deme Hizmeti Sa\u011flay\u0131c\u0131lar\u0131n\u0131n \u00d6deme Hizmetleri Alan\u0131ndaki Veri Payla\u015f\u0131m Servislerine \u0130li\u015fkin Tebli\u011f&#8217;de (&#8220;<strong>Tebli\u011f<\/strong>&#8220;) d\u00fczenlenen, \u00d6deme Hizmetleri Veri Payla\u015f\u0131m Servisleri (&#8220;<strong>\u00d6HVPS<\/strong>&#8220;) olarak adland\u0131r\u0131lan (i) \u00d6deme Emri Ba\u015flatma Hizmeti ve (ii) Hesap Bilgisi Hizmeti hakk\u0131nda detayl\u0131 de\u011ferlendirmeler i\u00e7eren \u00d6deme Hizmetlerinde Veri Payla\u015f\u0131m Servisleri&#8217;ne ili\u015fkin Rehberi (&#8220;<strong>\u00d6HVPS Rehberi<\/strong>&#8220;) yay\u0131mlad\u0131.<\/p>\n<p>\u00d6HVPS Rehberi, \u00f6demeler alan\u0131nda s\u0131kl\u0131kla kar\u015f\u0131la\u015f\u0131lan baz\u0131 i\u015f modellerinin \u00f6deme emri ba\u015flatma ve hesap bilgisi hizmetleri a\u00e7\u0131s\u0131ndan faaliyet izni al\u0131nmas\u0131n\u0131 gerektirip gerektirmedi\u011fi ve lisans ve teknik sertifikasyon s\u00fcrecine ili\u015fkin detayl\u0131 a\u00e7\u0131klamalara yer veriyor. Bununla birlikte, \u00d6HVPS Rehberinde yap\u0131lan de\u011ferlendirmelerin yaln\u0131zca genel bir \u00e7er\u00e7eve olu\u015fturdu\u011fu ve nihai de\u011ferlendirmelerin, faaliyet izni ba\u015fvurular\u0131 a\u015famas\u0131nda TCMB&#8217;nin incelemesine tabi olaca\u011f\u0131 belirtiliyor. \u00d6HVPS Rehberine <a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=Nm1iRWV6RG5lQkp0c3pJZmRZanBXUXFqbWlDdUJsdGU0Zkc4TjlCVENXejdIbHlHQ1l5VmVNaWxEK2hVT2RZcXRtWmZudlI1QjhBdkhtUWRiNC96cFRuT1ZnZWs4aUh4NnIyQzNTQW9OeTVCK2UrSVpxSkFZSVBNYS84R2NtY29yZ29od1pqL1pDTG4zU1Z6Um03b2FIUWJpcWVPTjROL2pEZFZwTnZZQmdZNVpFekRleG1VQW5vdFVGVHlSYWpqeUhQVnNWR0wzV3ZHdFlVQXJLZnpITnRrSXdzV3ZUenY0bnZaczhzajVvcHMzNnRsTXdYY0FBPT0=&amp;rh=ff00a1572008eb5db250b719b844b7b2b0a8b529__;!!Hj9Y_P0nvg!TCS097jlO0cvQOhsyEu_Vu6cnoAxWseBRvMl652QnSyeqYZkiDAbnXp4BtDYvQiOcn-5-90pDql1I_rQH1GzvxckSA$\">buradan<\/a> ula\u015fabilirsiniz.<\/p>\n<p><strong>Rehber ne getiriyor?<\/strong><\/p>\n<p><strong>\u00d6HVPS Kapsam\u0131nda \u00d6rnek \u0130\u015f Modelleri ve De\u011ferlendirmeleri<\/strong><\/p>\n<p><strong>\u00a0 \u00a01. Hesap Bilgisi Hizmetleri<\/strong><\/p>\n<p>Tebli\u011f&#8217;de de a\u00e7\u0131kland\u0131\u011f\u0131 \u00fczere, Hesap Bilgisi Hizmeti, \u00f6deme hizmeti kapsam\u0131nda lisansl\u0131 olan Hesap Bilgisi Hizmeti Sa\u011flay\u0131c\u0131s\u0131n\u0131n, \u00f6deme hizmeti kullan\u0131c\u0131s\u0131n\u0131n farkl\u0131 Hesap Hizmeti Sa\u011flay\u0131c\u0131lar\u0131 nezdindeki hesaplar\u0131na ait bilgileri derleyerek \u00e7evrimi\u00e7i platformlarda toplu \u015fekilde m\u00fc\u015fterilerine sunmas\u0131 \u015feklinde tan\u0131mlan\u0131yor. S\u00f6z konusu hizmetleri sunan kurulu\u015flar\u0131n Kanunun 12. maddesinin birinci f\u0131kras\u0131n\u0131n (g) bendi \u00e7er\u00e7evesinde TCMB\u2019den faaliyet izni almas\u0131 gerekti\u011fi d\u00fczenleniyor.<\/p>\n<p>\u00d6HVPS Rehberi sekt\u00f6rde geli\u015fen farkl\u0131 i\u015f modelleri i\u00e7in faaliyet izni al\u0131nmas\u0131n\u0131n gerekip gerekmedi\u011fine \u0131\u015f\u0131k tutuyor. Bu kapsamda, bir hizmetin &#8220;Hesap Bilgisi Hizmeti&#8221; olarak de\u011ferlendirilmesinde a\u015fa\u011f\u0131daki \u00f6l\u00e7\u00fctler esas al\u0131n\u0131yor:<\/p>\n<ul>\n<li>Hesap bilgisi hizmeti verecek hizmet sa\u011flay\u0131c\u0131, m\u00fc\u015fterilerinin hesap hizmeti sa\u011flay\u0131c\u0131lar\u0131 ile kendi firma altyap\u0131s\u0131 \u00fczerinden belirli frekanslar ile yapt\u0131\u011f\u0131 sorgulara yan\u0131t almak amac\u0131yla s\u00f6zle\u015fmeler yap\u0131yor, hesap hizmeti sa\u011flay\u0131c\u0131lar\u0131 ile do\u011frudan muhatap ve bu taraflara kar\u015f\u0131 teknik\/idari\/hukuki sorumlu oluyor ve m\u00fc\u015fteri bilgileri do\u011frudan hesap hizmeti sa\u011flay\u0131c\u0131lar\u0131 taraf\u0131ndan hesap bilgisi hizmeti sa\u011flayana iletiliyor ise s\u00f6z konusu hizmetin Hesap Bilgisi Hizmeti oldu\u011fu ve Kanun kapsam\u0131nda faaliyet izni gerektirdi\u011fi de\u011ferlendiriliyor.<\/li>\n<li>Hizmet sa\u011flay\u0131c\u0131, do\u011frudan m\u00fc\u015fterisinin hesaplar\u0131n\u0131n bulundu\u011fu hesap hizmeti sa\u011flay\u0131c\u0131lar\u0131 ile hukuki ili\u015fki i\u00e7erisine girmiyor, bunun yerine m\u00fc\u015fteri, hesaplar\u0131n\u0131n bulundu\u011fu hesap hizmeti sa\u011flay\u0131c\u0131 ile web servisleri protokol\u00fc imzal\u0131yor ve hesap hareketlerini kendisi firma ile payla\u015f\u0131yor ise, hizmet sa\u011flay\u0131c\u0131n\u0131n temin etti\u011fi hizmet Hesap Bilgisi Hizmeti olarak de\u011ferlendirilmiyor.<\/li>\n<\/ul>\n<p>M\u00fc\u015fterinin kendisi veya yetkilendirdi\u011fi teknoloji firmas\u0131na ait IP ile Banka&#8217;ya eri\u015fim sa\u011flamas\u0131n\u0131n da de\u011ferlendirmeyi de\u011fi\u015ftirmedi\u011fi belirtiliyor. Bu durumun, m\u00fc\u015fterinin, teknoloji firmas\u0131ndan d\u0131\u015f hizmet al\u0131m\u0131 kapsam\u0131nda de\u011ferlendirilmesi gerekti\u011fi ve bankan\u0131n hukuki\/s\u00f6zle\u015fmesel muhatab\u0131n\u0131n halen m\u00fc\u015fteri olmaya devam etti\u011fi belirtiliyor.<\/p>\n<ul>\n<li>\u00d6HVPS Rehberi, bir teknoloji firmas\u0131n\u0131n, m\u00fc\u015fterilerine, m\u00fc\u015fterilerin hesap hizmeti sa\u011flay\u0131c\u0131lar nezdinde bulunan hesaplar\u0131na ili\u015fkin &#8220;Hesap Hareketleri ve Online Toplu Transfer Web Servisleri&#8221; sunulmas\u0131 amac\u0131yla, web servislerini konsolide edecek bir yaz\u0131l\u0131m\u0131 beyaz etiketli \u015fekilde satmas\u0131 veya lisans kiralamas\u0131 yapmas\u0131n\u0131 \u00f6deme hizmeti olarak de\u011ferlendirmiyor. S\u00f6z konusu hizmet, teknik hizmet olarak de\u011ferlendiriliyor.<\/li>\n<\/ul>\n<p>Ek olarak, m\u00fc\u015fterinin holding \u015firketi olmas\u0131 durumunda, holding b\u00fcnyesindeki \u015firketlerin tek IP ile eri\u015fiminin \u00d6HVPS kapsam\u0131nda oldu\u011fu ve ana \u015firket ile ba\u011fl\u0131 ortakl\u0131klar\u0131 veya ba\u011fl\u0131 ortakl\u0131klar\u0131n kendi aralar\u0131nda ger\u00e7ekle\u015fen ve ayn\u0131 gruba ait bir \u015firket d\u0131\u015f\u0131nda hi\u00e7bir \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131n\u0131n arac\u0131l\u0131k etmedi\u011fi \u00f6deme hizmetlerine ili\u015fkin Kanun&#8217;da yer alan istisnadan faydalanarak lisans al\u0131nmas\u0131na gerek olmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131kl\u0131\u011fa kavu\u015fturuyor.<\/p>\n<p><strong>\u00a0 \u00a0 \u00a02. \u00d6deme Emri Ba\u015flatma Hizmeti<\/strong><\/p>\n<p>\u00d6HVPS Rehberi, \u00f6deme emri ba\u015flatma hizmetini, lisansl\u0131 bir \u00d6deme Emri Ba\u015flatma Hizmeti Sa\u011flay\u0131c\u0131s\u0131n\u0131n, \u00f6deme hizmeti kullan\u0131c\u0131lar\u0131n\u0131n ba\u015fka bir \u00f6deme hizmeti sa\u011flay\u0131c\u0131s\u0131 nezdindeki \u00f6deme hesab\u0131ndan \u00f6deme yap\u0131labilmesi i\u00e7in \u00f6deme emri vermesine arac\u0131l\u0131k etmesi olarak tan\u0131ml\u0131yor.<\/p>\n<p>Bu do\u011frultuda, \u00d6HVPS Rehberi sekt\u00f6rden g\u00f6r\u00fclen farkl\u0131 i\u015f modelleri i\u00e7in faaliyet izni al\u0131nmas\u0131n\u0131n gerekip gerekmedi\u011fini a\u015fa\u011f\u0131daki gibi de\u011ferlendiriyor:<\/p>\n<ul>\n<li>\u00d6deme emri ba\u015flatma hizmeti verecek firmalar, m\u00fc\u015fterilerinin hesaplar\u0131n\u0131n bulundu\u011fu kurulu\u015flar ile s\u00f6zle\u015fmeler yap\u0131yor ve hesap hizmeti sa\u011flay\u0131c\u0131lar\u0131 ile do\u011frudan muhatap ve bu bunlara kar\u015f\u0131 teknik\/idari\/hukuki sorumlu oluyor ise s\u00f6z konusu hizmetin \u00d6deme Emri Ba\u015flatma Hizmeti oldu\u011fu ve Kanun kapsam\u0131nda faaliyet izni gerektirdi\u011fi de\u011ferlendiriliyor.<\/li>\n<\/ul>\n<p>Ek olarak, \u00f6deme kurulu\u015fu, m\u00fc\u015fterisinin ilgili Hesap Hizmeti Sa\u011flay\u0131c\u0131lar nezdindeki hesap bilgilerini (bakiye, hesap hareketleri, vb.) elde edip m\u00fc\u015fterisine sunuyor ise ayr\u0131ca Hesap Bilgisi Hizmeti kapsam\u0131nda da TCMB\u2019den faaliyet izni almas\u0131 gerekiyor.<\/p>\n<ul>\n<li>Bir \u00f6deme kurulu\u015funun, m\u00fc\u015fterilerinin banka kartlar\u0131n\u0131 \u00f6deme kurulu\u015funun sundu\u011fu dijital c\u00fczdanda saklamas\u0131 ve m\u00fc\u015fterilerin, \u00f6deme kurulu\u015funun uygulamas\u0131n\u0131 kullanarak bu dijital c\u00fczdandaki kartlar\u0131ndan (ba\u011fl\u0131 \u00f6deme hesab\u0131ndan) \u00f6deme kurulu\u015funun anla\u015fmal\u0131 i\u015fyerinin hesab\u0131na fon transferi yapmas\u0131na ili\u015fkin \u00f6deme kurulu\u015funun arac\u0131 oldu\u011fu bu \u00f6deme ak\u0131\u015f\u0131n\u0131n \u00f6deme emri ba\u015flatma hizmeti oldu\u011fu ve Kanun kapsam\u0131nda faaliyet izni gerektirdi\u011fi de\u011ferlendiriliyor.<\/li>\n<\/ul>\n<p><strong>S\u0131k\u00e7a Sorulan Sorulara Y\u00f6nelik De\u011ferlendirmeler<\/strong><\/p>\n<ul>\n<li>\u00d6HVPS Rehberi, halihaz\u0131rda, Hesap Bilgisi Hizmeti ve\/veya \u00d6deme Emri Ba\u015flatma Hizmeti kapsam\u0131nda \u00f6deme hizmeti sunan ancak TCMB\u2019ye bu hizmetler i\u00e7in faaliyet izni ba\u015fvurusunda bulunmayan hizmet sa\u011flay\u0131c\u0131lar\u0131n faaliyet izni alm\u0131\u015f bir kurulu\u015fun temsilcisi olarak temsilcilik mekanizmas\u0131 ile faaliyetlerini s\u00fcrd\u00fcrmesinde m\u00fc\u015fteriyle yap\u0131lacak s\u00f6zle\u015fmeler ba\u015fta olmak \u00fczere 13 Aral\u0131k 2021 tarih ve &#8220;S\u00f6zle\u015fmeler&#8221; konulu TCMB Talimat\u0131 ile bildirilen hususlara ve Y\u00f6netmelik ve Tebli\u011f&#8217;in temsilcilik ile ilgili h\u00fck\u00fcmlerine uyum sa\u011fland\u0131\u011f\u0131 s\u00fcrece bir sak\u0131nca bulunmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131kl\u0131\u011fa kavu\u015fturuyor.<\/li>\n<li>Bankalar\u0131n halihaz\u0131rda \u00e7evrimi\u00e7i hesap ekstre payla\u015f\u0131m\u0131 hizmetleri de hesap bilgisi hizmeti olarak de\u011ferlendiriliyor. S\u00f6z konusu hizmetin teknoloji \u015firketleri arac\u0131l\u0131\u011f\u0131yla sunulmas\u0131 halinde (bu \u015firketler ile do\u011frudan s\u00f6zle\u015fmelerinin oldu\u011fu varsay\u0131m\u0131yla), s\u00f6z konusu hizmeti veren teknoloji \u015firketlerinin de lisans almas\u0131 gerekti\u011fi de\u011ferlendiriliyor.<\/li>\n<li>Y\u00f6netmelik kapsam\u0131nda, \u00f6deme hizmeti sunan kurulu\u015flar t\u00fczel ki\u015filerin ve tacirlerin idari ve operasyonel s\u00fcre\u00e7lerine ili\u015fkin \u00f6deme hesab\u0131 olarak de\u011ferlendirilmeyen hesaplar\u0131 i\u00e7in bilgi hizmeti sunabiliyor. \u00d6HVPS Rehberi, m\u00fc\u015fterinin hesap bilgisinin i\u015flenmesi i\u00e7in r\u0131za s\u00fcresinin dolmas\u0131 veya m\u00fc\u015fterinin r\u0131zas\u0131n\u0131 iptal etmesi halinde verileri m\u00fc\u015fterinin onay\u0131 al\u0131narak saklanmaya devam edebilece\u011fini belirtiyor. Ancak, \u00d6HVPS Rehberi, m\u00fc\u015fteri ile kurulu\u015f aras\u0131ndaki ili\u015fkinin sona ermesi halinde denetim izleri verileri d\u0131\u015f\u0131ndaki verilerin silinmesi gerekti\u011finin alt\u0131n\u0131 \u00e7iziyor.<\/li>\n<li>\u00d6HVPS Rehberi, \u00d6HVPS hizmetleri kapsam\u0131nda listelenen fon transferinde fon g\u00f6ndericisi ve al\u0131c\u0131s\u0131na ait T.C. kimlik numaras\u0131, vergi kimlik numaras\u0131, IBAN, hesap numaras\u0131 gibi kar\u015f\u0131 taraf bilgilerinin sadece maskelenerek g\u00f6r\u00fcnt\u00fclenebilece\u011fini d\u00fczenliyor.<\/li>\n<li>\u00d6HVPS Rehberi, Hesap Bilgisi Hizmeti ve \u00d6deme Emri Ba\u015flatma Hizmetinin birbirinin \u00f6n \u015fart\u0131n\u0131 te\u015fkil etmedi\u011fini, bir di\u011fer deyi\u015fle, sadece Hesap Bilgisi Hizmeti veya sadece \u00d6deme Emri Ba\u015flatma Hizmeti i\u00e7in ayr\u0131 ayr\u0131 lisans bulunabilece\u011fi gibi her ikisi i\u00e7in ayn\u0131 anda da lisans ba\u015fvurusu yap\u0131labilece\u011fini a\u00e7\u0131kl\u0131\u011fa kavu\u015fturuyor.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;TCMB&#8220;), ge\u00e7ti\u011fimiz Ekim ay\u0131nda, 6493 say\u0131l\u0131 \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemler, \u00d6deme Hizmetleri [&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":[160],"class_list":["post-24426","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-finansal-teknolojiler-fintek"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>TCMB&#039;den A\u00e7\u0131k Bankac\u0131l\u0131k 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