Kartly ödeme sistemleri 1950'li yyllardan itibaren kullanylmaya ba?lanan ve çok kysa sürede dünya genelinde çok yaygyn kabul gören bir kredili ödeme aracydyr. Ylk kez 1968 yylynda ülkemizde kullanylmaya ba?layan kartly ödeme sistemleri, Türkiye Kredi Karty Endüstrisi gerçekle?tirdi?i pek çok yenilikle, Avrupa Kredi Karty sistemlerine öncülük eder konuma gelmi?tir. Bu çaly?mada kartly sistemlerin geli?imi, sistemin i?leyi? modelleri tanymlanarak, Elazy? ilinde kartly ödeme sistemlerini kullanan tüketicilerin kullanym tercihleri, bilinçleri ve temel beklentilerini yansytan bir alan çaly?masy sunulmaktadyr.

Card payment systems have started to use since 1950's and in a short period of time they have got wide acceptance troughout the world. Card systems were started to use in 1968 in our country and since then with many innovative applications Turkey's Credit Card Industry came to a position that leads European Card Industry in many respects. In this study development and operation models of the card systems are described and a study on attitudes, consciousness and user preferences of credit card users in Elazig are presented.