urkish Banks and Digitalization: Policy Recommendations from a Qualitative Study

Digitalization, as a popular issue in banking, is changing the way of doing business with new business models resulting in a change in employment structure, business development and sales/marketing. Digital platforms utilize operational efficiency, data intensive and even artificial intelligence driven risk management and decision making processes. This change has led to repercussions in organizational structures of banks, sectoral regulations and policy development perspectives. With respect to that, in this study, structured interviews are conducted with seven Turkish top bank managers to provide feedbacks and policy recommendations from the field that support the aforementioned change in banking.

Türk Bankaları ve Dijitalleşme: Nitel Bir Çalışmadan Elde Edilen Politika Önerileri

Bankacılıkta popüler bir konu olan dijitalleşme yeni iş modelleriyle iş yapma biçimini değiştirmekte, bu yeni iş modelleri istihdam yapısında, iş geliştirme ve satış/pazarlamada değişimlere neden olmaktadır. Dijital platformlar, operasyonel verimlilik, veri yoğun ve hatta yapay zeka odaklı risk yönetimi ve karar verme süreçlerini kullanırlar. Bu değişiklik, bankaların örgütsel yapılarında, sektörel düzenlemelerde ve politika geliştirme perspektiflerinde yankı uyandırmıştır. Bununla ilgili olarak, bu çalışmada, yedi adet bankanın tepe yöneticileri ile yapılandırılmış görüşmeler gerçekleştirilmiş olup, bu görüşmelerle bankacılıkta söz konusu değişimi destekler nitelikte sahadan geri bildirimler ve politika önerileri almak amaçlanmıştır.

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