{"id":98888,"date":"2022-05-18T02:26:26","date_gmt":"2022-05-18T02:26:26","guid":{"rendered":"https:\/\/alj.com\/?post_type=perspective&p=98888"},"modified":"2022-07-29T12:07:21","modified_gmt":"2022-07-29T12:07:21","slug":"orta-dogu-finansal-hizmetlerde-hizla-ilerliyor","status":"publish","type":"perspective","link":"https:\/\/alj.com\/tr\/perspective\/orta-dogu-finansal-hizmetlerde-hizla-ilerliyor\/","title":{"rendered":"Orta Do\u011fu: Finansal hizmetlerde h\u0131zla ilerliyor"},"content":{"rendered":"

Orta Do\u011fu\u2019daki finansal hizmetler sekt\u00f6r\u00fc, heyecan verici bir gelece\u011fin e\u015fi\u011finde. D\u00fcnyada geleneksel olarak \u201cb\u00fcrokratik\u201d ve \u201ck\u00fcresel rekabet g\u00fcc\u00fcnden yoksun\u201d gibi alg\u0131lanan bu b\u00f6lgedeki finansal hizmet piyasas\u0131 h\u0131zla geli\u015fiyor. \u201cDijitalle\u015fme\u201d son zamanlarda dillere pelesenk olan anahtar s\u00f6zc\u00fck. Orta Do\u011fu, m\u00fc\u015fteri odakl\u0131 ve veriye dayal\u0131 yap\u0131s\u0131yla yeni, canl\u0131, a\u00e7\u0131k fikirli ve daha kapsay\u0131c\u0131 bir finansal ekosisteme do\u011fru ilerliyor.<\/p>\n

Orta Do\u011fu n\u00fcfusunun yakla\u015f\u0131k %60\u2019\u0131 25 ya\u015f ve alt\u0131nda oldu\u011fundan dolay\u0131[1]<\/a>, b\u00f6lgedeki n\u00fcfus hem gen\u00e7 hem de dijital d\u00fcnyan\u0131n yerlisi ya da en az\u0131ndan dijitale olduk\u00e7a yatk\u0131n. Bu yeni nesil t\u00fcketiciler ve giri\u015fimciler, dijital ba\u011flant\u0131lar\u0131 sayesinde k\u00fcresel k\u00fclt\u00fcre giderek daha fazla ba\u011flan\u0131yor ve teknoloji destekli, geli\u015fmi\u015f ekonomilerden olu\u015fan uluslararas\u0131 bir toplulu\u011fa kat\u0131lmak i\u00e7in istek ve heves duyuyor.<\/p>\n

B\u00f6yle bir ortamda, bireysel finansal deste\u011fe y\u00f6nelik itici bir g\u00fc\u00e7, bankalar\u0131 ve di\u011fer finansal kurulu\u015flar\u0131 en az \u00fcr\u00fcnler kadar platformlara da odaklanmaya zorluyor[2]<\/a>. Bu geli\u015fmelerle e\u015f zamanl\u0131 olarak say\u0131lar\u0131 h\u0131zl\u0131 bir \u015fekilde artan finans teknolojileri alan\u0131ndaki giri\u015fimci yeni \u015firketlerin yaratt\u0131\u011f\u0131 ivme, daha faza sekt\u00f6rler aras\u0131 ortakl\u0131\u011fa imkan vererek b\u00fcy\u00fcmeyi daha fazla te\u015fvik ediyor ve pazara yeni yetenekleri \u00e7ekiyor. Bu b\u00fcy\u00fcyen potansiyelini g\u00f6rebilmek i\u00e7in, MENA b\u00f6lgesinde \u201c\u015fimdi al sonra \u00f6de\u201d tipi bir startup \u015firket olan ve 2021 y\u0131l\u0131ndaki lansman\u0131ndan sonra 110 milyon ABD dolar\u0131 gibi rekor seviyede bir fon toplayan[3]<\/a> Tamara\u2019ya ve Suudi Arabistan ile Birle\u015fik Arap Emirlikleri\u2019nde 1,1 milyondan fazla aktif m\u00fc\u015fterisi olan ve 2021 y\u0131l\u0131ndaki 150 milyon ABD dolar\u0131 da dahil toplam 180 milyon ABD dolar\u0131ndan fazla bor\u00e7 ve \u00f6z kaynak toplayan tabby<\/a>\u2019ye bakman\u0131z yeterlidir.<\/p>\n

Gerek di\u011fer kurulu\u015flar\u0131n finans kurulu\u015flar\u0131 ile etkile\u015fimini gerek finans kurulu\u015flar\u0131n\u0131n kendi aras\u0131ndaki etkile\u015fimini h\u0131zland\u0131ran son teknoloji yaz\u0131l\u0131mlar, sermayeyi daha \u00e7abuk ve daha hedefe y\u00f6nelik bir \u015fekilde hareket etmeye te\u015fvik ediyor.<\/p>\n

Piyasalar\u0131n bir araya gelmesiyle halihaz\u0131rda b\u00fcy\u00fck birle\u015fmeler de s\u00f6z konusu: 2021 y\u0131l\u0131nda Suudi Arabistanl\u0131 bireysel kredi sa\u011flay\u0131c\u0131s\u0131 NCB ile daha k\u00fc\u00e7\u00fck rakibi Samba\u2019n\u0131n birle\u015fmesi veya Saudi Arabian British Bank (SABB) ile Alawwal Bank\u2019in birle\u015fmesi gibi \u00f6rnekler mevcut.<\/p>\n

Toplumsal a\u00e7\u0131dan umut veren bu yeni d\u00fcnya, yeni bir araba i\u00e7in kredi arayan bir aileden tutun da b\u00fcy\u00fcme i\u00e7in uluslararas\u0131 fon aray\u0131\u015f\u0131nda olan b\u00fcy\u00fck \u00e7ok uluslu \u015firketlere kadar Orta Do\u011fu ekonomisinin her katman\u0131nda devrim yaratma potansiyeline sahip.<\/p>\n

Suudi Arabistan\u2019daki STC Pay ve Al Rajhi Bank\u2019in sundu\u011fu UrPay gibi piyasan\u0131n kurallar\u0131n\u0131 de\u011fi\u015ftiren finans teknolojileriyle kripto para birimleri ve merkez bankas\u0131 dijital para birimleri \u00f6n plana \u00e7\u0131k\u0131yor. Bu esnada IBM, Birle\u015fik Arap Emirlikleri ve Suudi Arabistan ile ortak olarak Project Aber adl\u0131 bir \u00f6deme y\u00f6netimi sistemi \u00fczerinde \u00e7al\u0131\u015f\u0131yor: Bu sistemde, tek bir b\u00f6lgesel para birimi kullan\u0131l\u0131yor ve JIMCO<\/a>\u2019nun Rain<\/a> platformu gibi t\u00fcketici taraf\u0131ndan benimsenmeyi art\u0131racak, kullan\u0131\u015fl\u0131 ve uygulama tabanl\u0131 ticaret platformlar\u0131ndan yararlan\u0131l\u0131yor.<\/p>\n

Bu t\u00fcr ara\u00e7lar ve kald\u0131ra\u00e7lar genel k\u00fcresel finansal sistemine daha fazla entegre olduk\u00e7a yapay zeka ve di\u011fer \u00f6ng\u00f6r\u00fcye dayal\u0131 analitik sistemler, anl\u0131k karar alma i\u00e7in ger\u00e7ek zamanl\u0131 veriler sa\u011flayarak Orta Do\u011fu finansal piyasalar\u0131n\u0131n dalgalanmalara ve f\u0131rsatlara kar\u015f\u0131 daha h\u0131zl\u0131 yan\u0131t vermesini sa\u011fl\u0131yor.<\/p>\n

Bu dijitalle\u015fme dalgas\u0131n\u0131n, paradigma de\u011fi\u015fimi ile beraber Hizmet Olarak Bankac\u0131l\u0131k (Banking as a Service – BaaS) ortam\u0131na ge\u00e7i\u015fin par\u00e7as\u0131 olarak bankac\u0131l\u0131k, varl\u0131k y\u00f6netimi ve sigorta sekt\u00f6rlerini de kapsamas\u0131 ka\u00e7\u0131n\u0131lmaz.<\/p>\n

Bu de\u011fi\u015fikliklere \u00f6nc\u00fcl\u00fck eden b\u00f6lgesel pazarlar aras\u0131nda M\u0131s\u0131r yer al\u0131yor. Bu pazar, kendi finansal hizmetler piyasas\u0131n\u0131 gelece\u011fe haz\u0131r hale getirmek i\u00e7in h\u0131zla geli\u015fen ortam\u0131n ivmesini yakalamaya son derece hevesli durumda.<\/p>\n

Eyl\u00fcl 2020\u2019de y\u00fcr\u00fcrl\u00fc\u011fe giren yeni bankac\u0131l\u0131k yasas\u0131 ile \u00f6deme sistemlerini, hizmetlerini ve finans teknolojilerini kapsayan kapsaml\u0131 bir d\u00fczenleyici rejim olu\u015fturuldu. Yeni yasa, s\u00f6z konusu \u00f6nemli alanlarda b\u00fcy\u00fcmeyi ve inovasyonu te\u015fvik etmeyi ve ayn\u0131 zamanda h\u00fck\u00fcmetin temel hedefi olan finansal kapsay\u0131c\u0131l\u0131\u011f\u0131 g\u00fc\u00e7lendirmeyi ama\u00e7l\u0131yor.<\/p>\n

Bankac\u0131l\u0131k reformu, \u00fclkenin devam eden ekonomik reform program\u0131n\u0131n hayati bir dayanak noktas\u0131 olarak g\u00f6r\u00fcl\u00fcyor ve ayn\u0131 zamanda bankac\u0131l\u0131k ve \u00f6deme sekt\u00f6r\u00fcn\u00fcn d\u00fczenlenmesini desteklemek i\u00e7in g\u00fc\u00e7l\u00fc bir \u00e7er\u00e7eve olu\u015fturuyor. Ayr\u0131ca sekt\u00f6r\u00fcn k\u00fcresel sahnedeki rekabet g\u00fcc\u00fcn\u00fc desteklemeyi ve M\u0131s\u0131r\u2019\u0131n ekonomik kalk\u0131nma ve \u00e7e\u015fitlendirme hedeflerine ula\u015fmas\u0131na yard\u0131mc\u0131 olmay\u0131 hedefliyor.<\/p>\n

H\u00fck\u00fcmet ayn\u0131 zamanda finansal hizmetleri modernle\u015ftirme program\u0131n\u0131n bir par\u00e7as\u0131 olarak inovasyonu te\u015fvik etmek i\u00e7in olumlu y\u00f6nde ad\u0131mlar at\u0131yor. Ba\u015fkan Abdel Fattah Al-Sisi\u2019nin geli\u015fmekte olan teknoloji alanlar\u0131nda b\u00fcy\u00fcmeyi destekleme iste\u011fi do\u011frultusunda Ulusal M\u0131s\u0131r Bankas\u0131, Banque du Caire ve Banque Misr, \u00fclkedeki finans teknolojileri end\u00fcstrisinin 85 milyon ABD dolar\u0131na ula\u015fmas\u0131n\u0131 sa\u011flamak i\u00e7in Mart 2022\u2019de NClude adl\u0131 ortak fonlar\u0131n\u0131 tan\u0131tt\u0131.[4]<\/a> Finansal kolayla\u015ft\u0131rma hizmetleri sa\u011flayan M\u0131s\u0131rl\u0131 finans teknolojileri \u015firketi Lucky de bu fon portf\u00f6y\u00fcnde yer alarak 25 milyon ABD dolar\u0131 tutar\u0131nda bir taahh\u00fcd\u00fc garanti alt\u0131na ald\u0131.<\/p>\n

Yapay zekan\u0131n, teknoloji odakl\u0131 d\u00f6n\u00fc\u015f\u00fcm\u00fcn kataliz\u00f6r\u00fc olarak belirli bir potansiyele sahip oldu\u011fu d\u00fc\u015f\u00fcn\u00fcl\u00fcyor. Bilgi ve Karar Destek Merkezi (Information and Decision Support Center – IDSC), 2030 y\u0131l\u0131na kadar GSY\u0130H\u2019nin en az %7,7\u2019sini yapay zekan\u0131n olu\u015fturmas\u0131n\u0131 sa\u011flamay\u0131 hedefliyor[5]<\/a>. \u00dclkenin \u201cKalk\u0131nmaya Giden Yol Vizyonlar\u0131\u201d (Visions on the Road to Development) stratejisinin bir par\u00e7as\u0131 olan bu de\u011fi\u015fimin, finansal hizmetler sekt\u00f6r\u00fcne yenilik\u00e7i teknolojilerin entegre edilmesine yard\u0131mc\u0131 olmas\u0131 planlan\u0131yor. IDSC, dijital c\u00fczdanlar ve elektronik \u00f6deme hizmetleri a\u00e7\u0131s\u0131ndan M\u0131s\u0131r\u2019\u0131n zaten dokuz Arap \u00fclkesi i\u00e7inde ilk s\u0131rada oldu\u011funu belirtiyor.<\/p>\n

M\u0131s\u0131r, finansal hizmetler sekt\u00f6r\u00fcne y\u00f6nelik iddial\u0131 planlar\u0131 ve sa\u011flam ekonomisi ile BAE ve K\u00f6rfez Arap \u00dclkeleri \u0130\u015f Birli\u011fi Konseyi (K\u0130K) \u00fcyelerinden gelecek yat\u0131r\u0131mlar i\u00e7in pop\u00fcler bir hedef oldu\u011funu halihaz\u0131rda ortaya koyuyor. Bu y\u0131l, First Abu Dhabi Bank (FAB), M\u0131s\u0131r\u2019\u0131n en b\u00fcy\u00fck yat\u0131r\u0131m bankas\u0131 olan EFG Hermes\u2019in hisselerinin \u00e7o\u011funlu\u011funu 1,18 milyar ABD dolar\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda almay\u0131 teklif etti[6]<\/a>. Bu sat\u0131n alma tamamlan\u0131rsa, ge\u00e7en y\u0131l L\u00fcbnanl\u0131 Bank Audi\u2019nin M\u0131s\u0131r\u2019daki i\u015flerinin sat\u0131n al\u0131nmas\u0131ndan sonra FAB\u2019\u0131n \u00fclkedeki ikinci b\u00fcy\u00fck anla\u015fmas\u0131 olacak.<\/p>\n

Abdul Latif Jameel Finance Egypt<\/a> \u0130cra Kurulu Ba\u015fkan\u0131 Mohamed El Gazzar ile, katlanarak b\u00fcy\u00fcme potansiyeline sahip hareketli M\u0131s\u0131r pazar\u0131ndaki finansal hizmetler alan\u0131nda g\u00f6zlemlenen geli\u015fmeler, \u015firketin \u015fimdiye kadarki ilerlemesi ve Gazzar\u2019\u0131n iddial\u0131 geni\u015fleme stratejisi hakk\u0131nda konu\u015ftuk.<\/p>\n

Abdul Latif Jameel Finance Egypt taraf\u0131ndan \u015fu anda ne t\u00fcr hizmetler sunuluyor?<\/h2>\n

MEG: <\/strong>\u0130nsanlar\u0131n ya\u015fam kalitesini art\u0131ran ve iyile\u015ftiren yenilik\u00e7i finansman \u00e7\u00f6z\u00fcmleri sunmay\u0131 ama\u00e7l\u0131yoruz. Abdul Latif Jameel<\/a>\u2019in bir par\u00e7as\u0131 olmaktan gurur duyuyoruz ve grubun 75 y\u0131l\u0131<\/a> a\u015fk\u0131n s\u00fcredir devam eden k\u00fcresel ba\u015far\u0131 miras\u0131ndan ve 21 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir M\u0131s\u0131r pazar\u0131ndaki derin bilgi birikiminden ve geni\u015f deneyiminden faydalan\u0131yoruz. Bu \u201cglobal-yerel\u201d form\u00fcl, i\u015fimize g\u00fc\u00e7 veren ve yenilik ruhumuzu tetikleyen bir hayat damar\u0131. Temel de\u011ferlerimiz<\/a> kurulu\u015fumuzun dayana\u011f\u0131n\u0131 olu\u015fturuyor ve bizi sayg\u0131 duymaya, iyile\u015fmeye, \u00f6nc\u00fcl\u00fck etmeye, destek olmaya ve d\u00fcr\u00fcst hareket etmeye y\u00f6nlendiriyor. M\u00fc\u015fterilerin artan ve s\u00fcrekli de\u011fi\u015fen ihtiya\u00e7lar\u0131n\u0131 \u00f6ng\u00f6rmemizi ve ele almam\u0131z\u0131 sa\u011flayan m\u00fc\u015fteri merkezli bir yakla\u015f\u0131m sergiliyoruz ve bu yakla\u015f\u0131ma kararl\u0131l\u0131kla ba\u011fl\u0131y\u0131z.<\/p>\n

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Abdul Latif Jameel Finance Egypt ekibinden baz\u0131 ki\u015filer (soldan sa\u011fa): \u00dcr\u00fcn Geli\u015ftirme Ekip Lideri Mohamed Ziada, K\u0131demli Vergi Muhasebecisi Mohamed Ghanem, Operasyonlar ve Teknoloji Ba\u015fkan\u0131 Ahmed El Ghandoukly, Y\u00f6netici ve Tedarik Uzman\u0131 Toka Hani, K\u0131demli \u0130K \u0130\u015f Orta\u011f\u0131 Amera Moawad.<\/figcaption><\/figure>\n

Abdul Latif Jameel\u2019in MENA b\u00f6lgesinde, Avrupa\u2019da ve Asya\u2019daki ula\u015f\u0131m sekt\u00f6r\u00fcnde sahip oldu\u011fu kapsaml\u0131 deneyimden ve g\u00fc\u00e7l\u00fc ortakl\u0131klardan faydalanan Abdul Latif Jameel Finance Egypt<\/a>, otomatik finansman \u00e7\u00f6z\u00fcmlerinden olu\u015fan bir portf\u00f6y sa\u011fl\u0131yor. Ayr\u0131ca, m\u00fc\u015fterilerimizin ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015f kapsaml\u0131 bir t\u00fcketici finans \u00fcr\u00fcnleri yelpazesi sunuyoruz. Finansman \u00e7\u00f6z\u00fcmlerimiz, m\u00fc\u015fterilerin ya\u015fam kalitelerini iyile\u015ftirmelerine yard\u0131mc\u0131 olan \u00e7e\u015fitli ama\u00e7lara hizmet ediyor. Hizmet yelpazemiz aras\u0131nda sigortan\u0131n yan\u0131 s\u0131ra ara\u00e7, seyahat ve e\u011fitim finansman\u0131 da yer al\u0131yor. \u0130nsanlar\u0131n hayatlar\u0131ndaki \u00f6nemli anlar i\u00e7in olanaklar sunarak ya\u015famlar\u0131 kolayla\u015ft\u0131rmaktan gurur duyuyoruz.<\/p>\n

\u015eirketin 2021 y\u0131l\u0131ndaki performans\u0131n\u0131 nas\u0131l de\u011ferlendiriyorsunuz?<\/h2>\n

MEG: <\/strong>Ge\u00e7en y\u0131l, 2021 bizim i\u00e7in ola\u011fan\u00fcst\u00fc bir y\u0131ld\u0131. M\u0131s\u0131r\u2019daki t\u00fcm sosyal segmentler i\u00e7in finansman \u00e7\u00f6z\u00fcmleri sa\u011flamak \u00fczere dijital d\u00f6n\u00fc\u015f\u00fcm stratejimize uygun yeni bir operasyon platformuna yat\u0131r\u0131m yapt\u0131k. Bunu ba\u015farmak i\u00e7in, s\u00fcre\u00e7leri basitle\u015ftiren ve m\u00fc\u015fteri memnuniyeti ile finansal kat\u0131l\u0131m\u0131 art\u0131ran geli\u015fmi\u015f yaz\u0131l\u0131mlar ve teknolojiler kullanarak hi\u00e7 durmadan yenilik\u00e7i finansal hizmetler yarat\u0131yoruz. Bu, sat\u0131\u015f performans\u0131m\u0131za olumlu bir \u015fekilde yans\u0131d\u0131 ve sat\u0131\u015flar ge\u00e7en y\u0131l %10 artt\u0131. 2022 y\u0131l\u0131nda bu y\u00fczdeyi iki kat\u0131na \u00e7\u0131kararak m\u00fc\u015fterilerimizin say\u0131s\u0131n\u0131 ikiye katlamay\u0131 sab\u0131rs\u0131zl\u0131kla bekliyoruz.<\/p>\n

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Abdul Latif Jameel Finance Egypt\u2019in k\u0131sa s\u00fcre \u00f6nce yenilenen merkez ofisi. Tasar\u0131m ve uygulama: Sherif Essam Designs. Foto\u011fraf sahibi \u00a9 Nour El Refai | www.nourelrefai.com<\/figcaption><\/figure>\n

2022 y\u0131l\u0131nda farkl\u0131 finansman \u00e7\u00f6z\u00fcmleri sunmay\u0131 planl\u0131yor musunuz?<\/h2>\n

MEG: <\/strong>Evet, verilebilecek toplam kredi miktar\u0131m\u0131z\u0131 2022 sonuna kadar iki kat\u0131na \u00e7\u0131karmay\u0131 planl\u0131yoruz. Bunu, Jameel Ailesinin vizyonunun \u00f6nemli bir bile\u015feni olan finansal kapsay\u0131c\u0131l\u0131\u011f\u0131 te\u015fvik etmek ve M\u0131s\u0131r genelinde \u00f6zellikle finansal hizmetlere eri\u015fimi olmayan \u00e7ok say\u0131da m\u00fc\u015fteriye ula\u015facak finansman \u00e7\u00f6z\u00fcmleri sa\u011flamak i\u00e7in en yeni finans teknolojilerinden yararlanarak yapmay\u0131 ama\u00e7l\u0131yoruz. Ayr\u0131ca, m\u00fc\u015fterilerin ev tipi g\u00fcne\u015f paneli sistemleri, m\u00fclk yenileme, mobilya, seyahat ve turizm, e\u011fitim ve sa\u011fl\u0131k hizmetleri gibi ihtiya\u00e7lar\u0131n\u0131 finanse etmelerini kolayla\u015ft\u0131ran yenilik\u00e7i finansman \u00e7\u00f6z\u00fcmleri ve programlar\u0131 sunuyoruz.<\/p>\n

\u015eirketin hisse senetlerini pazar geni\u015fleme planlar\u0131na uyacak \u015fekilde art\u0131rmay\u0131 d\u00fc\u015f\u00fcn\u00fcyor musunuz?<\/h2>\n

MEG: <\/strong>Stratejimiz, bir yandan \u00e7\u00f6z\u00fcm\u00fcm\u00fcz\u00fc s\u00fcrd\u00fcr\u00fcrken di\u011fer yandan piyasadaki de\u011fi\u015fimlerle ba\u015fa \u00e7\u0131kma yetene\u011fimize dayan\u0131yor. Toplam hisse de\u011ferimiz \u015fu anda yakla\u015f\u0131k 500 milyon EGP (27 milyon ABD dolar\u0131) tutar\u0131nda, bu da g\u00fc\u00e7l\u00fc bir pazara yay\u0131lma stratejisini desteklememize olanak tan\u0131yor.<\/p>\n

2022\u2019de pazar pay\u0131n\u0131z\u0131 art\u0131rmay\u0131 hedefliyor musunuz?<\/h2>\n

MEG: <\/strong>Evet, elbette sat\u0131\u015f hacimlerimizi art\u0131rmak istiyoruz. Mali D\u00fczenleme Kurumu (Financial Regulatory Authority – FRA) raporlar\u0131na g\u00f6re M\u0131s\u0131r pazar\u0131nda sat\u0131\u015f a\u00e7\u0131s\u0131ndan en b\u00fcy\u00fck t\u00fcketici finansman\u0131 \u015firketlerinden biriyiz. 2022 sonuna kadar ilk 4 i\u00e7erisinde yer almak istiyoruz. Bunu ba\u015farmam\u0131za yard\u0131mc\u0131 olmas\u0131 i\u00e7in y\u0131l sonuna kadar m\u00fc\u015fteri say\u0131s\u0131n\u0131 ikiye katlamay\u0131 hedefliyoruz.<\/p>\n

T\u00fcketici finansman\u0131 hizmetlerinin sunulmas\u0131 kapsam\u0131nda t\u00fcketici finansman\u0131 \u015firketleriyle bankalar aras\u0131ndaki rekabeti nas\u0131l de\u011ferlendiriyorsunuz?<\/h2>\n

MEG: <\/strong>M\u0131s\u0131r pazar\u0131 \u00e7ok b\u00fcy\u00fck ve b\u00fcy\u00fcme i\u00e7in hala b\u00fcy\u00fck bir potansiyele sahip. T\u00fcketici finansman\u0131 piyasas\u0131ndaki geni\u015flemeyi, bankalar taraf\u0131ndan sunulan daha geleneksel finansal hizmetlerin bir tamamlay\u0131c\u0131s\u0131 olarak g\u00f6r\u00fcyoruz. M\u00fc\u015fterilerimizin ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in \u00f6zel olarak tasarlanm\u0131\u015f, daha fazla yeni \u00fcr\u00fcn\u00fc i\u00e7eren yenilik\u00e7i ara\u00e7larla m\u00fc\u015fterilere ula\u015fmay\u0131 ama\u00e7l\u0131yoruz. Bu, daha b\u00fcy\u00fck m\u00fc\u015fteri segmentlerine ula\u015fmam\u0131z\u0131 kolayla\u015ft\u0131racak ve \u00fclkedeki finansal kapsay\u0131c\u0131l\u0131\u011f\u0131n \u00e7ok daha fazla geni\u015flemesine katk\u0131da bulunacakt\u0131r.<\/p>\n

Otomotiv finansman\u0131, ge\u00e7mi\u015ften bu yana her zaman i\u015flerinizin b\u00fcy\u00fck bir k\u0131sm\u0131n\u0131 olu\u015fturdu. Peki otomotiv piyasas\u0131n\u0131n son y\u0131llardaki performans\u0131 nas\u0131ld\u0131?<\/h2>\n

MEG: <\/strong>Ak\u0131ll\u0131 \u00e7iplerin \u00fcretimindeki d\u00fc\u015f\u00fc\u015ften kaynaklanan uluslararas\u0131 kriz, ara\u00e7 sat\u0131\u015flar\u0131n\u0131 olumsuz etkiledi ve akabinde fiyatlarda art\u0131\u015f ya\u015fand\u0131. Sat\u0131\u015f rakamlar\u0131, k\u00fcresel salg\u0131ndan da olumsuz etkilendi. Bu konuda hala tam bir iyile\u015fme s\u00f6z konusu de\u011fil ancak 2022\u2019nin ikinci yar\u0131s\u0131nda olumlu geli\u015fmeler g\u00f6rmeyi bekliyoruz. Hem arz\u0131n artmas\u0131 hem de faiz oranlar\u0131n\u0131n d\u00fc\u015fmesiyle birlikte, kullan\u0131lm\u0131\u015f ara\u00e7 sat\u0131\u015flar\u0131n\u0131n hacmi art\u0131yor.<\/p>\n

Sizce t\u00fcketici finansman\u0131, h\u00fck\u00fcmetin daha fazla finansal kapsay\u0131c\u0131l\u0131kla ilgili hedeflerine ula\u015fmas\u0131na yard\u0131mc\u0131 olacak m\u0131?<\/h2>\n

MEG: <\/strong>T\u00fcketici finansman\u0131, \u00fclkenin finansal kapsay\u0131c\u0131l\u0131k stratejisini uygulamak ve daha b\u00fcy\u00fck m\u00fc\u015fteri segmentlerine ula\u015fmak i\u00e7in kullan\u0131lan ana ara\u00e7lardan biri. T\u00fcketici finansman\u0131 \u015firketleri, Kahire ve \u0130skenderiye gibi b\u00fcy\u00fck \u015fehirlerin d\u0131\u015f\u0131nda ula\u015f\u0131lmas\u0131 daha zor m\u00fc\u015fterilerle ba\u011flant\u0131 kurmak i\u00e7in genellikle daha fazla esnekli\u011fe sahip. Bu, daha fazla finansal kapsay\u0131c\u0131l\u0131k i\u00e7in temellerin at\u0131lmas\u0131n\u0131 sa\u011fl\u0131yor ve kapsay\u0131c\u0131l\u0131\u011f\u0131 art\u0131rmaya yard\u0131mc\u0131 oluyor.<\/p>\n

B\u00fcy\u00fcme stratejinizin bir par\u00e7as\u0131 olarak yeni finansal lisanslara ba\u015fvurmay\u0131 planl\u0131yor musunuz?<\/h2>\n

MEG: <\/strong>Evet, FRA\u2019n\u0131n pazara girecek kurulu\u015flar i\u00e7in yeni ba\u015fvurular\u0131 a\u00e7mas\u0131n\u0131n ard\u0131ndan sigorta arac\u0131 lisans\u0131 almaya haz\u0131rlan\u0131yoruz. Yerel pazarda hen\u00fcz mevcut olmayan y\u00fcksek kaliteli sigorta \u00fcr\u00fcnlerinin nas\u0131l tan\u0131t\u0131labilece\u011fini ara\u015ft\u0131r\u0131yoruz.<\/p>\n

Amac\u0131m\u0131z, yerel sigorta \u015firketleri ile i\u015f birli\u011fi yaparken bu \u00fcr\u00fcnleri sa\u011flamak i\u00e7in son teknolojiden faydalanmak. Bu yakla\u015f\u0131m\u0131n, sa\u011fl\u0131k sigortas\u0131 hizmetleri sunman\u0131n yan\u0131 s\u0131ra gen\u00e7ler ve turistler gibi farkl\u0131 sosyal segmentlerin artan taleplerini kar\u015f\u0131lamam\u0131z\u0131 sa\u011flayaca\u011f\u0131na inan\u0131yoruz.<\/p>\n

Ayr\u0131ca, tacir ortaklar\u0131m\u0131za benzersiz \u00fcr\u00fcnler ve hizmetler sunmay\u0131 hedeflemenin yan\u0131 s\u0131ra, k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletme (KOB\u0130) arenas\u0131nda da b\u00fcy\u00fcmeyi planl\u0131yoruz.<\/p>\n

M\u0131s\u0131r\u2019daki t\u00fcketici finansman\u0131 piyasas\u0131nda kar\u015f\u0131la\u015ft\u0131\u011f\u0131n\u0131z ba\u015fl\u0131ca zorluklar neler? Ve bu zorluklar\u0131n \u00fcstesinden nas\u0131l gelinebilir?<\/h2>\n

MEG: <\/strong>Finansal kapsay\u0131c\u0131l\u0131k hala b\u00fcy\u00fck bir zorluk. H\u00fck\u00fcmetin finans teknolojilerinde b\u00fcy\u00fcmeyi ve inovasyonu te\u015fvik etmek i\u00e7in att\u0131\u011f\u0131 ad\u0131mlar bu a\u00e7\u0131dan olumlu. Bu ad\u0131mlar, finansal hizmet \u015firketlerinin performanslar\u0131n\u0131 iyile\u015ftirmelerine ve daha fazla m\u00fc\u015fteriye ula\u015fmak i\u00e7in dijital teknolojiyi kullanmalar\u0131na yard\u0131mc\u0131 olarak sat\u0131\u015flar\u0131 art\u0131rmaya ve mevcut zorluklar\u0131n baz\u0131lar\u0131n\u0131n \u00fcstesinden gelmeye yard\u0131mc\u0131 olacakt\u0131r. T\u00fcketici finansman\u0131 \u015firketleri i\u00e7in i\u015fletme maliyeti de bir zorluk te\u015fkil ediyor. Ancak, t\u00fcketici finansman\u0131 \u015firketlerinin rekabet g\u00fcc\u00fcn\u00fc art\u0131rmay\u0131 ve daha fazla b\u00fcy\u00fcmelerini kolayla\u015ft\u0131rmay\u0131 ama\u00e7layan dizi yasal de\u011fi\u015fiklikle ilgili g\u00f6r\u00fc\u015fmeler devam ediyor. M\u0131s\u0131r\u2019daki t\u00fcketici finansman\u0131 i\u015fletmeleri i\u00e7in umut vadeden bir gelecek oldu\u011funa kesinlikle inan\u0131yorum.<\/p>\n

\"\"
Abdul Latif Jameel Finance Egypt, 2022 Uluslararas\u0131 Kad\u0131nlar G\u00fcn\u00fc\u2019n\u00fc kutluyor.<\/figcaption><\/figure>\n

 <\/p>\n

[1]<\/a> https:\/\/www.youthpolicy.org\/mappings\/regionalyouthscenes\/mena\/facts\/#FN13<\/a><\/p>\n

[2]<\/a> https:\/\/www.talkwalker.com\/blog\/the-future-of-the-financial-industry-in-the-middle-east#<\/a><\/p>\n

[3]<\/a> https:\/\/www.oliverwyman.com\/middle-east\/media-center\/2022\/feb\/predicted-trends-for-the-middle-east-financial-services-sector-in-2022.html<\/a><\/p>\n

[4]<\/a> https:\/\/www.ecofinagency.com\/finance\/2203-43476-egypt-s-public-banks-launch-85mln-funds-in-support-to-the-fintech-industry<\/a><\/p>\n

[5]<\/a> https:\/\/www.egypttoday.com\/Article\/3\/113051\/Egypt-targets-increasing-AI-contribution-to-GDP-to-7-7<\/a><\/p>\n

[6]<\/a> https:\/\/www.pressreader.com\/uae\/gulf-news\/20220214\/282136409833462<\/a><\/p>\n","protected":false},"author":18,"featured_media":98859,"template":"","tags":[],"acf":[],"yoast_head":"\nOrta Do\u011fu: H\u0131zl\u0131 \u0130leri Finans | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"Orta Do\u011fu, m\u00fc\u015fteri odakl\u0131 & veriye dayal\u0131 yap\u0131s\u0131yla yeni, canl\u0131, a\u00e7\u0131k fikirli & daha kapsay\u0131c\u0131 bir finansal ekosisteme do\u011fru ilerliyor. 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