{"id":100614,"date":"2022-07-07T05:24:08","date_gmt":"2022-07-07T05:24:08","guid":{"rendered":"https:\/\/alj.com\/perspective\/digital-future-for-saudi-financial-services\/"},"modified":"2022-09-12T08:18:07","modified_gmt":"2022-09-12T08:18:07","slug":"digital-future-for-saudi-financial-services","status":"publish","type":"perspective","link":"https:\/\/alj.com\/tr\/perspective\/digital-future-for-saudi-financial-services\/","title":{"rendered":"Suudi finansal hizmetlerinin dijital gelece\u011fi"},"content":{"rendered":"

\"\"Suudi Arabistan\u2019daki finansal hizmetler sekt\u00f6r\u00fc ciddi bir d\u00f6n\u00fc\u015f\u00fcm ge\u00e7iriyor. Vizyon 2030<\/a> ulusal kalk\u0131nma stratejisinin 12 \u201cger\u00e7ekle\u015ftirme program\u0131\u201dndan biri olarak, \u00fclkenin iddial\u0131 hedeflerine do\u011fru ilerlerken finans sekt\u00f6r\u00fc, desteklemede \u00f6ncelikli sekt\u00f6r olarak belirlenmi\u015ftir.<\/p>\n

\"\"Vizyon 2030\u2019a g\u00f6re, Finansal Hizmetler Geli\u015ftirme Program\u0131n\u0131n (FHGP<\/a>) amac\u0131, \u201culusal ekonominin geli\u015fimini desteklemek, gelir kaynaklar\u0131n\u0131 \u00e7e\u015fitlendirmek ve tasarruf, finans ve yat\u0131r\u0131mlar\u0131 te\u015fvik etmek i\u00e7in farkl\u0131 alanlarda faaliyet g\u00f6steren, etkili bir finans sekt\u00f6r\u00fc olu\u015fturmakt\u0131r.\u201d<\/p>\n

Abdul Latif Jameel Finance<\/a>, Suudi Arabistan\u2019da 1979 y\u0131l\u0131ndan beri 43 y\u0131ldan uzun s\u00fcredir faaliyet g\u00f6stermektedir ve bu dinamik pazarda de\u011fi\u015fimin desteklenmesine yard\u0131mc\u0131 olan \u015firketlerden biridir.<\/p>\n

Suudi Arabistan\u2019da Abdul Latif Jameel Finance CEO\u2019su olan Dr. Khalid Al Karimy<\/a> ile Suudi finansal hizmetler sekt\u00f6r\u00fcn\u00fcn geli\u015fimi, i\u015f planlar\u0131 ve b\u00fcy\u00fcme f\u0131rsatlar\u0131 hakk\u0131nda konu\u015ftuk.<\/p>\n

\"\"
Dr. Khalid Al Karimy
\n\u0130cra Kurulu Ba\u015fkan\u0131
\nAbdul Latif Jameel Finance, Suudi Arabistan<\/figcaption><\/figure>\n

Abdul Latif Jameel\u2019de ne kadar s\u00fcredir \u00e7al\u0131\u015f\u0131yorsunuz?<\/h2>\n

KK: <\/strong>Abdul Latif Jameel Finance\u2019e 2009 y\u0131l\u0131nda kat\u0131ld\u0131m. \u015eirkete kat\u0131ld\u0131\u011f\u0131m tarihten bu yana \u0130K, BT ve idari hizmetler dahil olmak \u00fczere \u0130K Direkt\u00f6rl\u00fc\u011f\u00fcnden Y\u00f6netici Direkt\u00f6rl\u00fc\u011fe kadar farkl\u0131 g\u00f6revler \u00fcstlendim. \u0130ki y\u0131l sonras\u0131nda Operasyondan Sorumlu Y\u00f6netici oldum. Bu y\u0131l Ocak ay\u0131nda \u0130cra Kurulu Ba\u015fkan\u0131 rol\u00fcn\u00fc \u00fcstlendim.<\/p>\n

\u0130\u015fe ba\u015flamadan \u00f6nce Abdul Latif Jameel Finance\u2019i ne kadar tan\u0131yordunuz?<\/h2>\n

KK: <\/strong>Abdul Latif Jameel, Suudi Arabistan\u2019daki en \u00fcnl\u00fc aile \u015firketi markalar\u0131ndan biridir. Bu nedenle ismini ve sayg\u0131n konumunu zaten biliyordum ama i\u015flerinin tam olarak hangi boyutlarda oldu\u011funu bilmiyordum.<\/p>\n

Toyota distrib\u00fct\u00f6rl\u00fc\u011f\u00fc i\u015fi ve Bab Rizq Jameel gibi baz\u0131 sosyal ve toplumsal faaliyetlerini duymu\u015ftum.<\/p>\n

Finans alan\u0131ndaki i\u015fleri hakk\u0131nda da biraz bilgim vard\u0131, ancak bunun ayr\u0131 ve kendi ba\u015f\u0131na b\u00f6ylesine b\u00fcy\u00fck bir \u015firket oldu\u011funu fark etmemi\u015ftim.<\/p>\n

Sizi bu f\u0131rsata \u00e7eken neydi?<\/h2>\n

KK: <\/strong>Asl\u0131nda, iki nedeni vard\u0131: Genel anlamda Abdul Latif Jameel markas\u0131n\u0131n prestiji ve daha spesifik olarak \u00f6zellikle IDB\u2019deki \u00f6nceki deneyimim g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda kariyerimi h\u0131zla b\u00fcy\u00fcyen finansal hizmetler sekt\u00f6r\u00fcnde geli\u015ftirme f\u0131rsat\u0131 beni buraya \u00e7ekti.<\/p>\n

Suudi Arabistan\u2019daki t\u00fcketici finansman\u0131 pazar\u0131 son y\u0131llarda nas\u0131l geli\u015fti?<\/h2>\n

KK: <\/strong>Suudi Arabistan\u2019daki t\u00fcketici finansman\u0131 pazar\u0131 son birka\u00e7 y\u0131lda \u00e7ok h\u0131zl\u0131 bir \u015fekilde b\u00fcy\u00fcd\u00fc. Eskiden \u00e7ok geleneksel bir piyasayd\u0131. Bankalar en b\u00fcy\u00fck oyunculard\u0131 ve pazara hakimlerdi. Abdul Latif Jameel Finance dahil olmak \u00fczere birka\u00e7 yeni oyuncu kademeli olarak pazara girmeye ba\u015flad\u0131. Bu de\u011fi\u015fim, son be\u015f y\u0131lda \u00e7ok daha fazla ivme kazand\u0131. Vizyon 2030, \u00fclkenin finansal hizmetler sekt\u00f6r\u00fcndeki geni\u015fleme i\u00e7in iddial\u0131 bir vizyon ortaya koyuyor ve bu d\u00f6n\u00fc\u015f\u00fcm ger\u00e7ekle\u015fmeye \u00e7oktan ba\u015flad\u0131. Pek \u00e7ok k\u00fc\u00e7\u00fck finansal teknoloji \u015firketi ortaya \u00e7\u0131kt\u0131 ve pazar pay\u0131 elde etti. Bankalar buna kendi dijital tekliflerine yat\u0131r\u0131m yaparak yan\u0131t verdi. Bu piyasa \u00e7ok dinamik bir yap\u0131ya sahip. Son birka\u00e7 y\u0131lda b\u00fcy\u00fck bir de\u011fi\u015fime tan\u0131kl\u0131k etti ve giderek daha da h\u0131zlan\u0131yor.<\/p>\n

Potansiyeli en fazla b\u00fcy\u00fcme alanlar\u0131 nelerdir?<\/h2>\n

KK: <\/strong>Pazarda b\u00fcy\u00fcmeyi sa\u011flayan iki \u00f6nemli alan g\u00f6r\u00fcyorum. \u201cNakit finansman\u0131\u201d bunlardan biridir. \u015eimdi t\u00fcketicilere finansal \u00e7\u00f6z\u00fcmler sunan birden fazla finansal teknoloji \u015firketi var. Finans hizmetlerine bu \u015fekilde eri\u015fen, \u00f6zellikle bankac\u0131l\u0131\u011f\u0131 kullanmayan insanlar\u0131n say\u0131s\u0131nda \u00f6nemli bir art\u0131\u015f g\u00f6rd\u00fck.<\/p>\n

\u0130kinci b\u00fcy\u00fck geni\u015fleme alan\u0131, Abdul Latif Jameel Finance\u2019in \u00f6zellikle aktif oldu\u011fu bir alan olan KOB\u0130 (k\u00fc\u00e7\u00fck ve orta b\u00fcy\u00fckl\u00fckteki i\u015fletmeler) finansman\u0131d\u0131r. Bu alandaki b\u00fcy\u00fcme, muhtemelen t\u00fcketici finansman\u0131ndaki b\u00fcy\u00fcmeyi geride b\u0131rak\u0131yor. Herkesin bildi\u011fi gibi KOB\u0130 finansman\u0131 Suudi Arabistan\u2019da yeterince geli\u015fmemi\u015f bir aland\u0131. B\u00fcy\u00fck bankalar\u0131n birtak\u0131m b\u00fcrokratik uygulama s\u00fcre\u00e7leri vard\u0131 ve KOB\u0130\u2019lerin finansmana bu \u015fekilde eri\u015fmesi zordu. KOB\u0130 finansman kaynaklar\u0131n\u0131n \u00e7o\u011fu arkada\u015flardan ve aileden sa\u011flan\u0131yordu, ancak bu durum h\u0131zla de\u011fi\u015fiyor.<\/p>\n

\"\"H\u00fck\u00fcmet, piyasay\u0131 modernize etmek i\u00e7in ad\u0131mlar att\u0131. KOB\u0130\u2019lerin finansal performans\u0131n\u0131 kontrol etmeyi kolayla\u015ft\u0131rd\u0131 ve fon sa\u011flamak i\u00e7in bir banka da dahil olmak \u00fczere \u00e7e\u015fitli kurulu\u015flar\u0131n temelini att\u0131. Ayr\u0131ca, kredi geri \u00f6demeleri konusunda belirlili\u011fi ve esnekli\u011fi g\u00fc\u00e7lendirmek i\u00e7in \u0130ngilizcede \u201cgaranti\u201d anlam\u0131na gelen \u201cKefil program\u0131<\/a>\u201dn\u0131 da g\u00fcncellediler.<\/p>\n

B\u00fcy\u00fck bir potansiyele sahip oldu\u011fu i\u00e7in bu pazarla \u00e7ok ilgileniyoruz. Buras\u0131, en b\u00fcy\u00fck b\u00fcy\u00fcme pay\u0131m\u0131z\u0131 elde etmeyi d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcm\u00fcz alan. Finansal teknoloji \u015firketlerinin \u00e7o\u011fu t\u00fcketici taraf\u0131nda. KOB\u0130\u2019lerle pek ilgilenmiyorlar. Tamamen otomatikle\u015ftirilmi\u015f, KOB\u0130\u2019ler i\u00e7in bir risk y\u00f6netimi mod\u00fcl\u00fcn\u00fc pazara ilk sunan biz olduk. Otomatik bir al\u0131\u015fma s\u00fcreci \u00fczerinde de \u00e7al\u0131\u015f\u0131yoruz. Bunu ba\u015flatt\u0131\u011f\u0131m\u0131zda, KOB\u0130\u2019lerin finansa eri\u015fmeleri i\u00e7in eksiksiz ve sorunsuz bir dijital deneyim sunan ilk \u015firket olabiliriz.<\/p>\n

Finansal teknoloji \u015firketleri d\u00fcnya genelinde finansal hizmetler pazar\u0131nda kurallar\u0131 de\u011fi\u015ftiriyor. Suudi Finansal Teknoloji pazar\u0131 ne kadar canl\u0131?<\/h2>\n

KK: <\/strong>Finansal teknoloji \u015firketleri Suudi pazar\u0131na de\u011fi\u015fim getirdi. \u015eu anda finansal teknoloji \u015firketleri bireysel krediler, \u00f6deme i\u015flemleri, sigorta vb. olmak \u00fczere neredeyse her alanda var. E-c\u00fczdan, kredi kartlar\u0131 ve bunlara benzer hizmetler sunan telekom\u00fcnikasyon \u015firketleri gibi daha b\u00fcy\u00fck oyuncular da pazara girdi. Bankalar, kendi dijital uygulamalar\u0131n\u0131 ve platformlar\u0131n\u0131 piyasaya sunarak benzer bir ad\u0131m att\u0131lar.<\/p>\n

Abdul Latif Jameel Finance\u2019de, yak\u0131nda t\u00fcm s\u00fcreci otomatikle\u015ftiren yeni dijital nakit kredi uygulamam\u0131z\u0131 ba\u015flataca\u011f\u0131z. T\u00fcketici uygulamay\u0131 indirip krediye ba\u015fvurabilir ve birka\u00e7 dakika i\u00e7inde kredisini alabilir. Ayr\u0131ca, t\u00fcketicilerin ortaklar\u0131m\u0131zdan birinden sat\u0131n alma yapabilmesi i\u00e7in bir sat\u0131\u015f noktas\u0131 \u201c\u015fimdi al sonra \u00f6de\u201d (BNPL) \u00fcr\u00fcn\u00fcn\u00fc de sat\u0131\u015fa sunuyoruz. Bu da m\u00fc\u015fterilerimizi memnun edece\u011fimizi umdu\u011fumuz kesintisiz, sorunsuz, dost\u00e7a bir deneyim olacakt\u0131r.<\/p>\n

Suudi Arabistan\u2019da Finansal Teknolojiler ve genel olarak dijital hizmetler ne kadar pop\u00fcler?<\/h2>\n

KK: <\/strong>Dijital teknolojinin finansal hizmetlerde kullan\u0131lmas\u0131, bunun \u00e7ok pop\u00fcler oldu\u011funu kan\u0131tl\u0131yor. Bence bu Suudi Arabistan\u2019daki n\u00fcfusun yap\u0131s\u0131 ile ilgili. \u00c7ok gen\u00e7 bir n\u00fcfusa sahibiz; hepsi de teknoloji merakl\u0131s\u0131. \u00d6rne\u011fin Twitter i\u00e7in Suudi Arabistan d\u00fcnyadaki en b\u00fcy\u00fck pazarlardan biri. Suudiler teknolojiyi seviyor. Sadece mobil uygulama \u00fczerinden bir \u015feyler alma fikrini seviyorlar. Fiziksel ma\u011faza deneyimini yorucu buluyorlar. Bu finansal teknoloji \u015firketleri i\u00e7in a\u00e7\u0131k\u00e7a g\u00f6r\u00fclebilen b\u00fcy\u00fck bir avantajd\u0131r.<\/p>\n

\"\"<\/p>\n

Bir di\u011fer avantaj da d\u00fczenleyici kurulu\u015flar\u0131n tavr\u0131d\u0131r. Suudi Arabistan Merkez Bankas\u0131<\/a> finansal teknolojilere \u00e7ok destek veriyor. Finansal teknoloji \u015firketlerinin operasyonlar\u0131n\u0131 denemesi i\u00e7in bir \u201csanal pazar deneme platformu\u201d var. Bu, finansal teknoloji \u015firketleri i\u00e7in d\u00fczenlemelerin ve b\u00fcrokrasinin daha zahmetsiz oldu\u011fu bir kulu\u00e7ka merkezi gibi olduk\u00e7a \u00e7ekici bir i\u015f ortam\u0131 sunuyor.<\/p>\n

Abdul Latif Jameel Finance\u2019in Suudi Arabistan\u2019daki geleneksel konumu neydi ve bu nas\u0131l de\u011fi\u015fiyor?<\/h2>\n

KK: <\/strong>Eskiden geleneksel bir sat\u0131\u015f noktas\u0131 otomotiv finansman\u0131 \u015firketinden ba\u015fka bir \u015fey de\u011fildik. Yakla\u015f\u0131k 20 y\u0131l \u00f6nce, ev aletleri gibi t\u00fcketici \u00fcr\u00fcnleri i\u00e7in de finansman sa\u011flamaya ba\u015flad\u0131k, ancak daha fazla ilerlemedik. Ge\u00e7ti\u011fimiz birka\u00e7 y\u0131ld\u0131r KOB\u0130 pazar\u0131na odaklan\u0131yor ve nakit finansman\u0131, sat\u0131\u015f noktas\u0131 finansman\u0131, s\u00f6zle\u015fme ve fatura finansman\u0131 gibi tekliflerimize yat\u0131r\u0131m yap\u0131yor ve gelecekte daha da \u00e7e\u015fitlendirmeyi hedefliyoruz.<\/p>\n

\"\"
Pictured left-to-right: Mohammed Abduljabbar \u2013 Director of Compliance, Fahad Krimli \u2013 Head of Associate Care and Administrative Services, Dr. Khalid Al Karimy \u2013 Chief Executive Officer, Medhat Abdrabboh \u2013 Director of Operations, Badr Basouki \u2013 Director of Operations<\/figcaption><\/figure>\n

Ayr\u0131ca, pazardaki konumumuzu g\u00fc\u00e7lendirmek i\u00e7in birle\u015fme ve sat\u0131n alma f\u0131rsatlar\u0131n\u0131 ara\u015ft\u0131r\u0131yoruz. Bunlar\u0131n ilki, konut kredisi sa\u011flayan Abdul Latif Jameel Real Estate Finance<\/a> ve yeni kurulan \u015firketler ve KOB\u0130\u2019ler aras\u0131nda g\u00fc\u00e7l\u00fc bir m\u00fc\u015fteri taban\u0131na sahip Bab Rizq Jameel Microfinance<\/a>\u2019dir. Bunlar mevcut i\u015fimizi b\u00fcy\u00fctecek ve gelece\u011fe do\u011fru at\u0131l\u0131m yapmam\u0131z\u0131 sa\u011flayacakt\u0131r. Sundu\u011fumuz hizmetleri geni\u015fletmemizi, farkl\u0131 \u00fcr\u00fcnlerin \u00e7apraz sat\u0131\u015f\u0131n\u0131 yapmam\u0131z\u0131 ve teknolojideki deneyimimizi art\u0131rmam\u0131z\u0131 sa\u011flaman\u0131n yan\u0131 s\u0131ra finans i\u00e7in tek durak noktas\u0131 olma yolunda ilerlememizi sa\u011flayacakt\u0131r. Ayr\u0131ca, haz\u0131rl\u0131k a\u015famas\u0131nda ba\u015fka f\u0131rsatlar\u0131m\u0131z da var.<\/p>\n

Dijitalle\u015fme ve teknoloji, b\u00fcy\u00fcme hedeflerinize ula\u015fman\u0131za yard\u0131mc\u0131 olmada ne kadar \u00f6nemli?<\/h2>\n

KK: <\/strong>Dijitalle\u015fme olmadan bunlar\u0131n hi\u00e7birini yapamay\u0131z. Elbette, bu sadece teknolojiden daha fazlas\u0131d\u0131r. Ayn\u0131 zamanda insanlar\u0131n zihniyetiyle de ilgilidir. Bu \u00fc\u00e7 \u015firketin ve \u00e7al\u0131\u015fanlar\u0131n\u0131n, dijital d\u00fc\u015f\u00fcnceyi ger\u00e7ek anlamda benimsemeleri i\u00e7in bir d\u00f6n\u00fc\u015f\u00fcm yaratmaya \u00e7abal\u0131yoruz. Bu, hem kendi s\u00fcre\u00e7lerimiz a\u00e7\u0131s\u0131ndan \u015firket i\u00e7inde hem de m\u00fc\u015fteri deneyimi a\u00e7\u0131s\u0131ndan \u015firket d\u0131\u015f\u0131nda ge\u00e7erli bir olgudur. Teknoloji ve dijitalle\u015fmeyi baz\u0131 y\u00f6nlerden finans i\u015flerimizden daha fazla \u00f6ncelik verdi\u011fimiz temel i\u015fimiz olarak g\u00f6r\u00fcyorum. Dijital bizim i\u00e7in bir \u00f6nceliktir ve i\u015f modelimizde yapmak istedi\u011fimiz \u015fey ondan sonra gelir.<\/p>\n

\u00d6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l i\u00e7inde finansal hizmetler pazar\u0131nda ne gibi de\u011fi\u015fiklikler g\u00f6rmeyi bekliyorsunuz ve Abdul Latif Jameel Finance i\u00e7in bu ne anlama geliyor?<\/h2>\n

KK: <\/strong>Suudi Arabistan\u2019daki finans sekt\u00f6r\u00fcn\u00fcn katlanarak artan bir b\u00fcy\u00fcme sergilemesi bekleniyor. \u0130lk olarak, ekonomi zaten b\u00fcy\u00fcyor ve finansal hizmetler ekonominin bel kemi\u011fidir. \u0130kinci olarak, t\u00fcketicilerin hala \u00e7ok b\u00fcy\u00fck bir b\u00f6l\u00fcm\u00fcn\u00fc banka kullanmayan insanlar olu\u015fturuyor. \u015eimdiye kadar bankalar bu t\u00fcketicilerle ba\u011flant\u0131 kurmakta zorlanm\u0131\u015ft\u0131r. Ancak finansal teknoloji \u015firketleri ve bizimki gibi yeni dijital platformlar, bu insanlara ula\u015fmay\u0131 ve onlar\u0131 m\u00fc\u015fterilere d\u00f6n\u00fc\u015ft\u00fcrmeyi kolayla\u015ft\u0131r\u0131yor.<\/p>\n

\"\"
Dr. Khalid Al Karimy, Chief Executive Officer, Abdul Latif Jameel Finance, at his office in Jeddah, Saudi Arabia<\/figcaption><\/figure>\n

Son olarak, bu y\u0131l\u0131n sonuna do\u011fru veya bir sonraki y\u0131l\u0131n ba\u015f\u0131nda h\u00fck\u00fcmet, bir m\u00fc\u015fterinin t\u00fcm finansal verilerini i\u00e7erecek yeni bir \u201ca\u00e7\u0131k bankac\u0131l\u0131k\u201d platformunu hizmete sunacak. Daha \u00f6ncesinde bu bilgiler bankalara aitti ve yaln\u0131zca onlar bu bilgilere eri\u015febilirlerdi, ancak \u015fimdi t\u00fcm finans sa\u011flay\u0131c\u0131lar\u0131 bu bilgilere eri\u015febilecek. Bu, b\u00fcy\u00fck ve daha k\u00fc\u00e7\u00fck \u015firketlerin piyasada daha e\u015fit bir konumda olmas\u0131n\u0131 sa\u011flayacak, daha h\u0131zl\u0131 aksiyon alabilen hizmet sa\u011flay\u0131c\u0131lar\u0131n piyasada yer almas\u0131yla t\u00fcketicilere sunulan se\u00e7enekler artacak ve en iyi, en kapsaml\u0131 ve en uygun hizmetleri sunanlara ticari bir avantaj getirerek m\u00fc\u015fteri ile ger\u00e7ek bir ili\u015fki olu\u015fmas\u0131n\u0131 sa\u011flayacakt\u0131r.<\/p>\n

Bankalar da oturup bekleyerek pazar paylar\u0131n\u0131n erimesini izlemeyecektir. Abdul Latif Jameel Finance gibi k\u00fc\u00e7\u00fck oyuncular b\u00fcy\u00fck bankalara kar\u015f\u0131 rekabet edebilir mi?<\/h2>\n

KK: <\/strong>Bu g\u00fczel bir soru. \u0130ki ana nedenden dolay\u0131 bankalar\u0131n dijital d\u00fcnyada g\u00fc\u00e7l\u00fc bir \u015fekilde rekabet edemeyece\u011fine inan\u0131yorum. Birinci sebep h\u0131zl\u0131 hareket edememeleri, \u00e7\u00fcnk\u00fc dikkate almalar\u0131 gereken \u00e7ok b\u00fcy\u00fck ge\u00e7mi\u015ften gelen sistemlere ve i\u015f modellerine sahipler. Sadece bir gecede y\u00f6nlerini de\u011fi\u015ftiremezler. S\u00fcpertanker gemileri gibidirler. Y\u00f6n de\u011fi\u015ftirmek isteseler bile, bu onlar\u0131n \u00e7ok zaman\u0131n\u0131 alacakt\u0131r. \u0130kincisi, Suudi Arabistan\u2019daki bankalar\u0131n finansal teknoloji \u015firketlerinin kendileri i\u00e7in ne kadar \u201ctehlikeli\u201d oldu\u011funu tam olarak anlad\u0131klar\u0131na inanm\u0131yorum. Pazarda son derece ayr\u0131cal\u0131kl\u0131 bir konumda olman\u0131n avantaj\u0131n\u0131 ya\u015f\u0131yorlar ve bu durum devam ediyor. \u00dclkedeki t\u00fcm maa\u015fl\u0131 \u00e7al\u0131\u015fanlar\u0131n, \u00f6rne\u011fin maa\u015flar\u0131n\u0131n \u00f6denmesi i\u00e7in bir banka hesab\u0131na sahip olmas\u0131 gerekir. Bu nedenle, bankalar sahip olduklar\u0131 bu b\u00fcy\u00fck m\u00fc\u015fteri taban\u0131n\u0131 ellerindeki di\u011fer \u00fcr\u00fcnleri satabilmek i\u00e7in kullan\u0131l\u0131r. A\u00e7\u0131k bankac\u0131l\u0131k t\u00fcm bunlar\u0131 de\u011fi\u015ftirecek. T\u00fcketicilerin bir bankadan di\u011ferine, bir hizmet sa\u011flay\u0131c\u0131dan di\u011ferine ge\u00e7mesi \u00e7ok kolay olacak.<\/p>\n

Unutmamam\u0131z gerekir ki bankalar de\u011fi\u015fiyor. Dijitale yat\u0131r\u0131m yap\u0131yorlar ve daha iyi hizmetler sunuyorlar, ancak en az\u0131ndan orta vadede finansal teknoloji \u015firketlerinin ve Abdul Latif Jameel Finance gibi daha k\u00fc\u00e7\u00fck ve daha h\u0131zl\u0131 hareket eden hizmet sa\u011flay\u0131c\u0131lar\u0131n dijital yeteneklerine, odaklanm\u0131\u015f \u00e7al\u0131\u015fmalar\u0131na veya esnekli\u011fine ayak uydurabileceklerini d\u00fc\u015f\u00fcnm\u00fcyorum.<\/p>\n

\"ALJ<\/p>\n

Abdul Latif Jameel Finance i\u00e7in hedefleriniz nelerdir?<\/h2>\n

KK: <\/strong>\u00d6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l boyunca, \u00f6zellikle dijital tarafta agresif bir b\u00fcy\u00fcme stratejimiz var. Yapt\u0131\u011f\u0131m\u0131z temel \u015feylerden biri, Abdul Latif Jameel Finance b\u00fcnyesinde \u00f6zel bir dijital inovasyon i\u015fletmesi yaratmak oldu. Bu, yaln\u0131zca sundu\u011fumuz hizmetleri geli\u015ftirmek ve daha fazla m\u00fc\u015fteri \u00e7ekmek i\u00e7in teknolojiyi nas\u0131l kullanabilece\u011fimize odaklanan; kendi hedefleri, stratejileri ve k\u00e2r\u0131-zarar\u0131 olan bir \u201ci\u015fletme i\u00e7inde i\u015fletme\u201d anlam\u0131na geliyor. Bizim i\u00e7in can al\u0131c\u0131 nokta, KOB\u0130\u2019ler ve onlar\u0131n t\u00fcm<\/u> finansal ihtiya\u00e7lar\u0131n\u0131 tek bir ba\u011flant\u0131da nas\u0131l kar\u015f\u0131layabilece\u011fimiz olacakt\u0131r.<\/p>\n

Ayr\u0131ca, \u015fimdi yapt\u0131\u011f\u0131m\u0131z baz\u0131 faaliyetleri yapmaya devam edece\u011fiz, ancak tamamen \u00e7evrimi\u00e7iyiz; bu da \u015fubelerdeki fiziksel varl\u0131\u011f\u0131m\u0131z\u0131 konsolide etmemiz gerekti\u011fi anlam\u0131na gelebilir. Ne yaparsak yapal\u0131m, ama\u00e7 ayn\u0131d\u0131r; m\u00fc\u015fterilerimizin hizmetlerimizi kullanmas\u0131n\u0131 ve \u00fcr\u00fcnlerimize eri\u015fmesini m\u00fcmk\u00fcn oldu\u011funca basit, h\u0131zl\u0131 ve tatmin edici hale getirmek. Bu asla durmayacak ve tamamen kendimizi adad\u0131\u011f\u0131m\u0131z bir yolculuktur.<\/p>\n","protected":false},"author":18,"featured_media":100314,"template":"","tags":[],"acf":[],"yoast_head":"\nSuudi Finansal Hizmetlerinin Dijital Gelece\u011fi | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"Suudi Arabistan\u2019daki finansal sekt\u00f6r\u00fc \u00e7ok h\u0131zl\u0131 bir \u015fekilde b\u00fcy\u00fcyor. 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