Hakan BALKAN, Mustafa AYDIN

7727

Neobank: Kavram, Gelişim ve İş Modelleri

Bankacılıkta dijitalleşme artan ivmeyle devam etmektedir. Daha iyi hizmet deneyimi, genç neslin nüfustaki payının artması, akıllı telefonların çok yaygınlaşması, yükselen çevrimiçi işlem yapma kültürü ile yapay zekâ ve büyük veri teknolojileri dijitalleşmeyi sürekli gündemde tutmaktadır. İhtiyaç odaklı yaklaşımları ve özgünlükleri ile %100 dijital olan ve fiziki şubeleri olmayan neobanklar da dijital bankacılıkta yerini almakta ve yerleşik bankalara potansiyel rakipler olarak görülmektedirler. Bu çalışmada dijital bankacılık serüveni, güncel eğilimler ve dijital bankacılık kavramları incelendikten sonra geleneksel bankalarla etkileşim açısından neobanklar ele alınmıştır. Ardından neobank örnekleri incelenmiş ve geleceğin bankacılığında neobankların potansiyeli tartışılmıştır.

Neobank: Concept, Development and Business Models

Digitalization in banking continues with increasing momentum. With better service experience, the increase in the share of the young generation in the population, the widespread use of smart phones, and the rising culture of online transactions and also artificial intelligence and big data technologies keep digitalization on the agenda. With their needs-oriented approach and uniqueness, neobanks, which are 100% digital and do not have physical branches, also take their place in digital banking and are seen as potential competitors to incumbent banks. In this study, after analyzing the digital banking adventure, current trends and digital banking concepts, neobank is discussed in terms of interaction with traditional banks. Then, neobank examples are examined and the potential of neobank in future banking is discussed.
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Bankacılar-Cover
  • ISSN: 1300-0217
  • Başlangıç: 1990
  • Yayıncı: Türkiye Bankalar Birliği
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