{"id":97192,"date":"2022-03-24T05:01:09","date_gmt":"2022-03-24T05:01:09","guid":{"rendered":"https:\/\/alj.com\/?post_type=perspective&#038;p=97192"},"modified":"2022-06-07T07:01:48","modified_gmt":"2022-06-07T07:01:48","slug":"gelecegin-finansmani","status":"publish","type":"perspective","link":"https:\/\/alj.com\/tr\/perspective\/gelecegin-finansmani\/","title":{"rendered":"Gelece\u011fin finansman\u0131"},"content":{"rendered":"<p>T\u00fcrkiye\u2019deki <a href=\"https:\/\/www.toyota.com.tr\/\">Toyota<\/a> ve <a href=\"https:\/\/www.lexus.com.tr\/\">Lexus<\/a> bayilerinden bir araba sat\u0131n almak isteyen t\u00fcketicilere finansal hizmetler sunmak i\u00e7in 2011 y\u0131l\u0131nda Abdul Latif Jameel b\u00fcnyesinde kurulan <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>, T\u00fcrk t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcn\u00fcn \u00f6nemli bir akt\u00f6r\u00fc haline gelerek en h\u0131zl\u0131 b\u00fcy\u00fcyen finansman kurulu\u015flar\u0131ndan biri olmu\u015ftur.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft size-medium wp-image-97106\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-300x168.jpg\" alt=\"ALJ Finans logo\" width=\"300\" height=\"168\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-300x168.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-150x84.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-768x431.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo-226x126.jpg 226w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-logo.jpg 921w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Devrim niteli\u011finde hizmetler ve robotik s\u00fcre\u00e7 otomasyonu, karar destek otomasyonu, m\u00fc\u015fteri e-bak\u0131m\u0131, KredimOL mobil uygulamas\u0131 ve e-s\u00f6zle\u015fme gibi T\u00fcrk t\u00fcketici finans piyasas\u0131na getirdi\u011fi baz\u0131 \u201cilkler\u201d ile otomotiv finansman\u0131nda inovasyon lideri olarak son derece sayg\u0131n bir konum elde etmi\u015ftir.<\/p>\n<p>\u0130cra Kurulu Ba\u015fkan\u0131 Bet\u00fcg\u00fcl Toker, bu ba\u015far\u0131l\u0131 ilerleyi\u015fi s\u00fcrd\u00fcrmeyi ve ALJ Finans\u2019\u0131n geli\u015fimini bir sonraki b\u00fcy\u00fcme d\u00f6neminde de desteklemeyi hedeflemektedir. Betty ile T\u00fcrkiye\u2019deki t\u00fcketici finans piyasas\u0131n\u0131n mevcut dinamikleri ve ALJ Finans\u2019\u0131 gelece\u011fe ta\u015f\u0131yacak iddial\u0131 planlar\u0131 hakk\u0131nda konu\u015ftuk.<\/p>\n<p><iframe loading=\"lazy\" src=\"\/\/www.youtube.com\/embed\/46C25qdwabo\" width=\"560\" height=\"314\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>ALJ Finans\u2019a ne zaman kat\u0131ld\u0131n\u0131z?<\/h2>\n<p><a href=\"https:\/\/alj.com\">Abdul Latif Jameel<\/a> ailesine 2021\u2019in Eyl\u00fcl ay\u0131nda kat\u0131ld\u0131m. Esas uzmanl\u0131k alan\u0131m bireysel bankac\u0131l\u0131k. Kariyerime 2000 y\u0131l\u0131nda QNB Finansbank\u2019ta y\u00f6netici aday\u0131 olarak ba\u015flad\u0131m ve 8,5 y\u0131l bu g\u00f6revi icra ettim. Daha sonra, o d\u00f6nem T\u00fcrkiye\u2019nin ikinci b\u00fcy\u00fck bankas\u0131 olan Akbank\u2019a ge\u00e7tim. D\u00f6rt y\u0131l boyunca orada \u00e7al\u0131\u015ft\u0131m ancak oda\u011f\u0131mda hep perakende veya t\u00fcketici bankac\u0131l\u0131\u011f\u0131 \u00f6deme sistemleri vard\u0131. Bu alana ilk kez y\u00f6neldi\u011fimde, dijital bankac\u0131l\u0131k hen\u00fcz T\u00fcrkiye\u2019de ger\u00e7ek anlamda ilgi g\u00f6rm\u00fcyordu. Ayr\u0131 bir i\u015f kolu yerine sadece alternatif bir hizmet kanal\u0131 olarak g\u00f6r\u00fcl\u00fcyordu. \u00dcr\u00fcn geni\u015fletme, veri analizi, m\u00fc\u015fteri ili\u015fkileri y\u00f6netimi ve \u00fc\u00e7\u00fcnc\u00fc taraf i\u015f birlikleri gibi dijital teknolojinin muazzam bir potansiyele sahip oldu\u011funu alanlara odakland\u0131m.<\/p>\n<p>B\u00f6lgedeki en b\u00fcy\u00fck bankac\u0131l\u0131k gruplar\u0131ndan biri olan ve T\u00fcrkiye\u2019ye Odeabank ismiyle giren Bank Audi Group, bireysel bankac\u0131l\u0131k b\u00f6l\u00fcm\u00fcn\u00fcn y\u00f6netimi i\u00e7in benimle ileti\u015fime ge\u00e7ti. Bu, bir i\u015fi s\u0131f\u0131rdan al\u0131p b\u00fcy\u00fctebilece\u011fim bir \u015fanst\u0131. Hemen kabul ettim ve oda\u011f\u0131m\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc teknolojiye y\u00f6nlendirerek be\u015f y\u0131l boyunca orada g\u00f6rev yapt\u0131m. Daha sonra T\u00fcrkiye\u2019deki en b\u00fcy\u00fck yat\u0131r\u0131m bankas\u0131 olan Aktif Bank bana ula\u015ft\u0131 ve \u00f6deme sistemleri, kartlar, genel fintech ortam\u0131 dahil olmak \u00fczere dijital bankac\u0131l\u0131k i\u015flerini kurmalar\u0131na yard\u0131mc\u0131 olmam\u0131 istediler. Aktif Bank\u2019\u0131n ard\u0131ndan da <a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>\u2019a ge\u00e7tim.<\/p>\n<h2>Sizi ALJ Finans\u2019taki g\u00f6revinize \u00e7eken neydi?<\/h2>\n<p>ALJ Finans\u2019\u0131 halihaz\u0131rda biliyordum. Aktif Bank\u2019ta ge\u00e7irdi\u011fim s\u00fcre boyunca daha da dikkatimi \u00e7ekti. Abdul Latif Jameel\u2019in b\u00fcy\u00fck bir k\u00fcresel akt\u00f6r oldu\u011funu biliyordum ve ALJ Finans\u2019\u0131n, T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 taraf\u0131nda nispeten k\u00fc\u00e7\u00fck olmas\u0131na ra\u011fmen, b\u00fcy\u00fck planlar\u0131n\u0131n oldu\u011funu ve \u00f6zellikle dijital tarafta i\u015fleri b\u00fcy\u00fctmek ve geni\u015fletmek i\u00e7in \u00e7ok fazla yat\u0131r\u0131m yapt\u0131klar\u0131n\u0131 g\u00f6rebiliyordum. Burada, ALJ Finans\u2019\u0131n cesur hedeflerine ula\u015fmas\u0131na yard\u0131mc\u0131 olmak i\u00e7in liderlik deneyimimi ve dijital bankac\u0131l\u0131ktaki uzmanl\u0131\u011f\u0131m\u0131 bir araya getirebilece\u011fim harika bir f\u0131rsat g\u00f6rd\u00fcm.<\/p>\n<h2>T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 pazar\u0131 nas\u0131l de\u011fi\u015fiyor?<\/h2>\n<p>T\u00fcketici finansman\u0131 ve bankac\u0131l\u0131k ayr\u0131 iki sekt\u00f6rd\u00fcr. Bankac\u0131l\u0131k sekt\u00f6r\u00fc, 40 milyon aktif m\u00fc\u015fterisi ile son derece sa\u011flam ve belirli kurallara ba\u011fl\u0131 bir sekt\u00f6rd\u00fcr. T\u00fcketici finansman\u0131 yeni bir sekt\u00f6r ancak h\u0131zla geni\u015fliyor. \u00d6zellikle dijital ve fintech taraf\u0131nda daha fazla b\u00fcy\u00fcyebilece\u011fi hala \u00e7ok fazla alan var. Olduk\u00e7a rekabet\u00e7i bir yap\u0131ya sahiptir. Fintech \u015firketleri \u00f6nce i\u015flerini geli\u015ftirmeye odaklan\u0131yor. Sa\u011flam bir temel olu\u015fturarak t\u00fcketici finansman\u0131 lisans\u0131 veya \u00f6deme lisans\u0131 gibi di\u011fer finansal lisanslara ba\u015fvurmak i\u00e7in daha iyi bir konumda bulunuyorlar. Eskiden tam tersiydi; \u00f6nce lisans al\u0131n\u0131r, sonra i\u015f kurulur ve ard\u0131ndan di\u011fer lisanslar al\u0131n\u0131rd\u0131.<\/p>\n<p>Genel itibariyle b\u00fcy\u00fck bankalar, genel ama\u00e7l\u0131 krediler ve konut kredisi gibi alanlarda bask\u0131nd\u0131r; ancak t\u00fcketici finansman\u0131 sa\u011flayan kurulu\u015flar, otomotiv finansman\u0131 gibi baz\u0131 pazarlarda %35\u2019lik paylar\u0131yla g\u00fc\u00e7l\u00fc bir varl\u0131k g\u00f6stermektedir. ALJ Finans\u2019ta hedefledi\u011fim \u015fey bu oran\u0131n daha da y\u00fcksek seviyelere ula\u015fmas\u0131d\u0131r.<\/p>\n<h2>\u00d6n\u00fcm\u00fczdeki \u00fc\u00e7 y\u0131l i\u00e7inde t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcn\u00fcn beklentileri nelerdir?<\/h2>\n<p>Bu sekt\u00f6r\u00fcn, yeni finansman alanlar\u0131na girerek \u00f6n\u00fcm\u00fczdeki \u00fc\u00e7 y\u0131l i\u00e7inde \u00f6nemli \u00f6l\u00e7\u00fcde b\u00fcy\u00fcyece\u011fini tahmin ediyorum. Bu zaman aral\u0131\u011f\u0131nda %50\u2019nin \u00fczerinde bir k\u00fcm\u00fclatif b\u00fcy\u00fcme rakam\u0131na ula\u015fmak \u015fa\u015f\u0131rt\u0131c\u0131 olmayacakt\u0131r. Ara\u00e7 fiyatlar\u0131n\u0131n artmas\u0131 kredi talebini art\u0131racakt\u0131r. Faiz oranlar\u0131nda g\u00f6r\u00fclebilecek olas\u0131 bir d\u00fc\u015f\u00fc\u015f de benzer \u015fekilde talebin artmas\u0131n\u0131 sa\u011flayacakt\u0131r. Otomotiv d\u0131\u015f\u0131ndaki t\u00fcketici elektroni\u011fi ve ev e\u015fyalar\u0131 gibi \u00fcr\u00fcnlerin finansman \u00e7\u00f6z\u00fcmlerinde b\u00fcy\u00fcmenin yan\u0131 s\u0131ra toplam kredi hacimlerinde finansman \u015firketlerinin pay\u0131nda bir art\u0131\u015f g\u00f6rmeyi bekliyoruz. Sa\u011flam temellere dayanan bu dinamikler nedeniyle \u00f6zellikle otomotiv d\u0131\u015f\u0131 finansman taraf\u0131nda piyasaya daha fazla oyuncunun girmesini olas\u0131d\u0131r. Bu y\u00fczden rekabet de daha fazla olacakt\u0131r.<\/p>\n<h2>Otomotiv finansman\u0131n\u0131n, T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcne egemen olmaya devam etmesini bekliyor musunuz?<\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft  wp-image-97113\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-300x283.jpg\" alt=\"ALJ Finans brands\" width=\"210\" height=\"198\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-300x283.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-150x141.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-370x348.jpg 370w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-175x165.jpg 175w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands-253x239.jpg 253w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/ALJ-Finans-brands.jpg 749w\" sizes=\"(max-width: 210px) 100vw, 210px\" \/>\u015eimdilik, evet. Ancak be\u015f y\u0131l i\u00e7inde, genel ama\u00e7l\u0131 kredilerdeki b\u00fcy\u00fcme ile bu dengenin de\u011fi\u015fmeye ba\u015flayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n<p>Otomotiv finansman\u0131 kolay bir se\u00e7enektir, her ara\u00e7 belirli de\u011feri olan bir varl\u0131kt\u0131r. Bir \u015feyler ters giderse elinizde satabilece\u011finiz g\u00fczel ve b\u00fcy\u00fck bir varl\u0131k vard\u0131r. Finansman i\u015finin di\u011fer alanlar\u0131nda durum o kadar net de\u011fil. Ancak bunun de\u011fi\u015fti\u011fini d\u00fc\u015f\u00fcn\u00fcyorum ve ALJ Finans olarak bu de\u011fi\u015fimin bir par\u00e7as\u0131 olmay\u0131 hedefliyoruz. Finansman \u00e7\u00f6z\u00fcmlerinin cep telefonlar\u0131ndan mobilyalara ve beyaz e\u015fyalara kadar \u00e7ok \u00e7e\u015fitli varl\u0131klarda daha yayg\u0131n hale geldi\u011fini g\u00f6rece\u011fimizi d\u00fc\u015f\u00fcn\u00fcyorum. Odakland\u0131\u011f\u0131m\u0131z alanlardan biri de bu.<\/p>\n<h2>T\u00fcrkiye\u2019deki fintech ortam\u0131nda nas\u0131l bir gidi\u015fat var?<\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-97120\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo-300x126.jpg\" alt=\"\" width=\"300\" height=\"126\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo-300x126.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo-150x63.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-Logo.jpg 576w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>T\u00fcrkiye\u2019deki fintech ortam\u0131 olduk\u00e7a dinamik. Yakla\u015f\u0131k 250 fintech \u015firketi bulunuyor. Bu \u015firketlerin 50\u2019den fazlas\u0131, e-para veya \u00f6deme hizmetleri lisans\u0131na sahip. Bu \u015firketler aras\u0131nda bir adet \u201cdecacorn\u201d \u015firket (de\u011feri 10 milyar ABD dolar\u0131n\u0131 a\u015fan), d\u00f6rt adet unicorn \u015firket (de\u011feri 1 milyar ABD dolar\u0131n\u0131 a\u015fan) ve bir adet halka arz edilmi\u015f \u015firketin yan\u0131 s\u0131ra 680 milyon ABD dolar\u0131n\u0131n \u00fczerinde giri\u015fim sermayesini \u00e7ekmeyi ba\u015farm\u0131\u015f 127 oyun giri\u015fimi var.<\/p>\n<p>Bunlar\u0131n \u00e7o\u011fu hali haz\u0131rda e-para lisanslar\u0131na ba\u015fvurmu\u015f veya ba\u015fvuracak olan 250 fintech \u015firketidir. Peki, strateji nedir? E-para sistemi, \u00f6demeleri ve kartlar\u0131 i\u00e7erir; bu nedenle m\u00fc\u015fterilerin c\u00fczdan\u0131na veya daha \u00f6tesinde ak\u0131ll\u0131 telefonlar\u0131na girmenin harika bir yoludur. Kendinizi bu alanda konumland\u0131rd\u0131\u011f\u0131n\u0131zda daha fazla lisans i\u00e7in ba\u015fvurabilir, di\u011fer alanlara geni\u015fleyebilir ve daha fazla yat\u0131r\u0131m \u00e7ekebilirsiniz. Bir noktadan sonra bu \u015firketlerin, T\u00fcrk h\u00fck\u00fcmetinin de \u00e7ok fazla destekledi\u011fi bir alan olan, tam te\u015fekk\u00fcll\u00fc bir dijital banka olup olmamaya karar vermeleri gerekecek. Bu \u00e7ok heyecan verici ve h\u0131zla hareket eden bir piyasa.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-97099\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-scaled.jpg\" alt=\"KredimOL App\" width=\"2560\" height=\"856\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-300x100.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-1024x342.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-150x50.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-768x257.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-1536x514.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/KredimOL-App-2048x685.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<h2>Fintech pazar\u0131ndaki bu dinamizm, ALJ Finans gibi hizmet sa\u011flay\u0131c\u0131lar i\u00e7in ne anlama geliyor?<\/h2>\n<p>Bence do\u011fru yolda oldu\u011fumuzu g\u00f6steriyor. <em>Dijital d\u00fc\u015f\u00fcnmek<\/em> ve m\u00fc\u015fterileri dijital evreninin tam merkezine koymak zorundas\u0131n\u0131z. M\u00fc\u015fteri deneyimine yat\u0131r\u0131m yapmazsan\u0131z, s\u0131f\u0131r de\u011fere sahip olursunuz.<\/p>\n<p>ALJ Finans\u2019ta da zaten bunu yap\u0131yoruz. M\u00fc\u015fterilerimizi merkeze koyuyoruz ve ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in onlar\u0131 \u00e7evreleyen bir teknoloji in\u015fa ediyoruz. Teknoloji sistemimiz olan kredi platformumuzu, dijital \u00f6ncelikli \u00e7\u00f6z\u00fcmler olu\u015fturmam\u0131z\u0131 sa\u011flayacak \u015fekilde g\u00fcncelliyoruz ve gelecekte inovasyon kabiliyetlerimizi geli\u015ftirmek i\u00e7in \u015firket b\u00fcnyesinde teknoloji ekibimizi olu\u015fturuyoruz.<\/p>\n<h2>ALJ Finans i\u00e7in \u00f6n\u00fcm\u00fczdeki birka\u00e7 y\u0131ldaki planlar\u0131n\u0131z nelerdir?<\/h2>\n<p>Bu y\u0131l, 2022 bizim i\u00e7in bir b\u00fcy\u00fcme y\u0131l\u0131 olacak. 2021\u2019in sonuna geldik ve kredilerde bir \u00f6nceki y\u0131la oranla %64 art\u0131\u015f kaydettik. 2019 sonunda %3,5 olan pazar pay\u0131m\u0131z 2021 sonunda %5\u2019e \u00e7\u0131kt\u0131.<\/p>\n<p>\u015eimdiki hedefimiz 2022\u2019de bu rakam\u0131 en az 2 puan daha art\u0131rmak. 2021 y\u0131l\u0131nda m\u00fc\u015fteri hacmini %15 art\u0131rd\u0131k. Bu y\u0131l, bu rakam\u0131 %25 art\u0131rmak istiyoruz ve kredi portf\u00f6y\u00fcm\u00fcz\u00fcn %50\u2019den fazla b\u00fcy\u00fcmesini bekliyoruz.<\/p>\n<p>\u015eu anda ALJ Finans, daha \u00e7ok otomotiv finansman\u0131 i\u015fiyle ilgileniyor. \u00dc\u00e7 y\u0131l i\u00e7inde bu durum de\u011fi\u015fecektir. T\u00fcketicileri tek bir \u201cs\u00fcper uygulama\u201d ile otomotiv de dahil olmak \u00fczere \u00e7e\u015fitli sekt\u00f6rlerdeki finans \u00e7\u00f6z\u00fcmlerine ba\u011flayan dijital bir t\u00fcketici finans platformunu piyasaya sunaca\u011f\u0131z. Bunun i\u015fe yaramas\u0131 i\u00e7in daha fazla t\u00fcketiciyi platformumuza \u00e7ekmemiz gerekecek. \u00d6n\u00fcm\u00fczdeki birka\u00e7 y\u0131l boyunca, t\u00fcketicileri \u00e7ekmek ve finans ekosistemimiz i\u00e7inde tutmak i\u00e7in ak\u0131ll\u0131 sistemleri devreye sokmak amac\u0131yla ortakl\u0131klar kurmaya ve B\u00fcy\u00fck Veri ve Yapay Zekadan faydalanmaya odaklanaca\u011f\u0131z.<\/p>\n<p>Amac\u0131m\u0131z T\u00fcrkiye\u2019nin en iyi dijital finans \u015firketi olmak. Bug\u00fcn, halihaz\u0131rda u\u00e7tan uca uygulamalar sunuyoruz ve krediler an\u0131nda onaylanarak ilgili hizmet noktalar\u0131nda kullan\u0131labiliyor. \u015eimdi hedefimiz bu s\u00fcre\u00e7leri yeniden yazmak ve uygulamay\u0131 tamamen yeniden tasarlamak. Bu yenili\u011fi 2022\u2019nin Eyl\u00fcl ay\u0131nda piyasaya sunmay\u0131 hedefliyoruz. \u00d6n\u00fcm\u00fczdeki y\u0131l i\u015flemlerin 4\u2019te 1\u2019ini dijital ortamda ger\u00e7ekle\u015ftirmeyi hedefliyoruz.<\/p>\n<h2>B\u00fcy\u00fck oyuncular\u0131n de\u011fi\u015fen pazar dinamiklerine nas\u0131l yan\u0131t vermesini bekliyorsunuz?<\/h2>\n<p>B\u00fcy\u00fck bankalar, bu alandaki pozisyonlar\u0131n\u0131 \u00e7oktan g\u00fcncellemeye ba\u015flad\u0131. Sadece \u201cbanka\u201d olarak g\u00f6r\u00fclen imajlar\u0131ndan uzakla\u015f\u0131yor ve kendilerini \u00e7ok daha geni\u015f bir finansal \u00fcr\u00fcn yelpazesi sa\u011flay\u0131c\u0131s\u0131 olarak konumland\u0131rmak i\u00e7in kendi platformlar\u0131n\u0131 kurmaya \u00e7al\u0131\u015f\u0131yorlar. Baz\u0131 bankalar bunu mevcut markalar\u0131n\u0131n i\u00e7inde yaparken baz\u0131lar\u0131 da kendi finansal teknoloji \u015firketlerini kuruyor. Bu devam edecek ve etmesi de iyi bir \u015fey. Piyasa bu t\u00fcr de\u011fi\u015fikliklere haz\u0131r.<\/p>\n<figure id=\"attachment_97092\" aria-describedby=\"caption-attachment-97092\" style=\"width: 2560px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-97092\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-scaled.jpg\" alt=\"The ALJ Finans team\" width=\"2560\" height=\"1153\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-300x135.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-1024x461.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-150x68.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-768x346.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-1536x692.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2022\/03\/IMG_20220115_173959-2048x922.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><figcaption id=\"caption-attachment-97092\" class=\"wp-caption-text\">ALJ Finans ekibi<\/figcaption><\/figure>\n<h2>Pandeminin en k\u00f6t\u00fc d\u00f6nemini umuyoruz ki geride b\u0131rakmak \u00fczereyiz. 2022 i\u00e7in beklentileriniz neler?<\/h2>\n<p>Bu y\u0131l hem enflasyonist ortam\u0131n hem de otomotiv pazar\u0131ndaki hareketlili\u011fin deste\u011fiyle T\u00fcrkiye\u2019deki t\u00fcketici finansman\u0131 sekt\u00f6r\u00fcnde \u00f6nemli bir b\u00fcy\u00fcme bekliyoruz. Yeni COVID-19 varyantlar\u0131n\u0131n ortaya \u00e7\u0131kmas\u0131 zaman zaman belirsizliklere neden olsa da pandeminin etkilerinin 2022 y\u0131l\u0131nda bir miktar azalaca\u011f\u0131n\u0131 tahmin ediyoruz. Y\u0131l\u0131n ortas\u0131ndan itibaren k\u00fcresel enflasyonla ilgili endi\u015felerin azalmas\u0131n\u0131 bekliyoruz. Normalle\u015fmeye y\u00f6nelik ad\u0131mlar atmaya ba\u015flayaca\u011f\u0131z.<\/p>\n<p>Ayn\u0131 \u015fekilde ALJ Finans i\u00e7in \u00f6nceli\u011fim b\u00fcy\u00fcme olacak. M\u00fc\u015fteri say\u0131s\u0131nda ve m\u00fc\u015fteri deneyimine yapt\u0131\u011f\u0131m\u0131z yat\u0131r\u0131mlarda b\u00fcy\u00fcme sa\u011flamak. Oldu\u011fumuz gibi devam edebilir ve hala daha \u00e7ok ba\u015far\u0131l\u0131 bir i\u015fletme olmaya devam edebiliriz; ancak hedeflerimiz bundan \u00e7ok daha b\u00fcy\u00fck.<\/p>\n<p>Bu; teknoloji, veri, analiz ve yapay zeka gibi dijital platformumuzdaki t\u00fcm alanlara yat\u0131r\u0131m yapmam\u0131z demek oluyor. 2023 y\u0131l\u0131n\u0131n sonuna kadar buna odaklanaca\u011f\u0131z. Bir di\u011fer \u00f6nceli\u011fimiz ise e-para lisans\u0131 almak. \u015eu anda bir finansal hizmetler i\u015fletmesiyiz ancak ula\u015fmak istedi\u011fimiz b\u00fcy\u00fcme hedeflerimiz i\u00e7in bu yeterli de\u011fil. E-para lisans\u0131 ile para transferi, banka kart\u0131, \u00f6deme ve t\u00fcketici kredisi gibi hizmetler de sunabilece\u011fiz. Bu, bize m\u00fc\u015fteri c\u00fczdan\u0131 pay\u0131nda \u00e7ok daha b\u00fcy\u00fck bir alan ve stratejik hedeflerimize ula\u015fmak i\u00e7in \u00e7ok daha fazla f\u0131rsat sunacakt\u0131r.<\/p>\n","protected":false},"author":18,"featured_media":97085,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Soru-Cevap: Gelece\u011fin Finansman\u0131 | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"\u0130cra Kurulu Ba\u015fkan\u0131 Bet\u00fcg\u00fcl Toker ile, T\u00fcrkiye\u2019deki t\u00fcketici finans piyasas\u0131n\u0131n mevcut dinamikleri ve ALJ Finans\u2019\u0131 gelece\u011fe ta\u015f\u0131yacak iddial\u0131 planlar\u0131 hakk\u0131nda Soru-Cevap.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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