Türkiye’deki Hukuki Altyapı ve Ödeme Hizmetleri Yönergesi 2 Bağlamında API Teknolojisi ve Açık Bankacılık

Bankacılığı etkileyen teknolojik gelişmeler sonucunda bankacılık faaliyetlerinin gerçekleştirildiği ortam ve hizmetler de değişmiştir. Finans uygulamalarıyla teknolojiyi birleştiren fintech kavramı bankacılık hizmetlerinin yeni bir konseptle sunulmasının önünü açmıştır. “Açık bankacılık” olarak adlandırılan bu yeni bankacılık konsepti, bankacılık sektöründe dijitalleşme ve şeffaflık kavramlarını öne çıkarmıştır. Çalışmada açık bankacılık kavramının tanımı, uygulaması, fırsat ve risklerine değinilmiş ve kavramın hukuki boyutu ele alınmıştır. Literatür incelemesi sonucunda açık bankacılığın bankaları uyumluluk, rekabetçilik, yayılmacılık ve dönüşümcülük olmak üzere dört temel stratejiye ittiği sonucuna ulaşılmıştır.

Anahtar Kelimeler:

API Teknolojisi, Fintek, Bankacılık, Açık Bankacılık

API Technology and Open Banking from the Perspective of Turkish Legal System and Payment Services Directive 2

As a result of technological developments which affecting banking, the banking environment and services have also changed. The concept of fintech, which combines technology with finance applications, enabled banking services to be introduced with a new concept. This new banking concept called “open banking” highlighted the concepts of digitalization and transparency in the banking sector. In this study, the definition, implementation, opportunities and risks and the legal dimension of open banking are discussed. As a result of the literature review, it is concluded that with open banking, banks implement four basic strategies: compatibility, competitiveness, expansionism and transformationalism.

Keywords:

API Technology, Fintech, Banking, Open Banking,

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