{"id":19098,"date":"2021-01-06T12:34:00","date_gmt":"2021-01-06T12:34:00","guid":{"rendered":"http:\/\/v3.aysegulzengin.av.tr\/?p=19098"},"modified":"2023-11-06T07:25:51","modified_gmt":"2023-11-06T07:25:51","slug":"acik-bankacilik-ve-kisisel-veriler","status":"publish","type":"post","link":"https:\/\/aysegulzengin.av.tr\/tr\/acik-bankacilik-ve-kisisel-veriler\/","title":{"rendered":"A\u00e7\u0131k Bankac\u0131l\u0131k ve Ki\u015fisel Veriler"},"content":{"rendered":"\t\t
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<\/strong><\/p>\n

A<\/span><\/p>\n

\u00e7\u0131k bankac\u0131l\u0131k(Open Banking), k\u0131saca bankac\u0131l\u0131k i\u015flemleri i\u00e7in toplanan finansal verilerin bankalar taraf\u0131ndan \u00fc\u00e7\u00fcnc\u00fc parti programlarla payla\u015f\u0131larak kullan\u0131c\u0131lar i\u00e7in yenilik\u00e7i bir dijital deneyim ihtiyac\u0131 ile do\u011fan fintech alan\u0131 olarak tan\u0131mlanabilir. Bankac\u0131l\u0131k i\u015flemlerimiz i\u00e7in toplanan ki\u015fisel verilerimizi 3. Parti uygulamalarda da g\u00f6rebilmek, t\u00fcm bankac\u0131l\u0131k i\u015flemlerimizi tek bir uygulama \u00fczerinden y\u00fcr\u00fctmek ya da fintech alan\u0131nda kulland\u0131\u011f\u0131m\u0131z di\u011fer \u00f6deme y\u00f6ntemleri ile bankac\u0131l\u0131k i\u015flemlerimizi entegre edebilmek a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n hedefleri aras\u0131nda say\u0131labilir.<\/p>\n

Bizlerden toplanan ki\u015fisel verileri bizim i\u00e7in kullanmay\u0131 hedefleyen a\u00e7\u0131k bankac\u0131l\u0131k sisteminin dayana\u011f\u0131 API( Application Programming Interfaces) ad\u0131 verilen ve yaz\u0131l\u0131m ve uygulamalar aras\u0131 i\u015flevsel ba\u011flant\u0131 g\u00f6revi g\u00f6ren\u00a0 aray\u00fczler ile sa\u011flan\u0131yor. A\u00e7\u0131k API lar ile bankalar ve fintech uygulamalar\u0131 ve hatta di\u011fer t\u00fcm yaz\u0131l\u0131m ve uygulamalar aras\u0131nda kurulmak istenen a\u011f, kullan\u0131c\u0131 deneyimi i\u00e7in yeni bir sayfa a\u00e7sa da finansal verilerin payla\u015f\u0131m\u0131 noktas\u0131nda yeni soru i\u015faretleri olu\u015fturuyor. Ancak bu soru i\u015faretlerine bakmadan \u00f6nce gelin a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n d\u00fcnyada ve \u00fclkemizdeki geli\u015fimine bakal\u0131m.<\/p>\n

D\u00fcnyada A\u00e7\u0131k Bankac\u0131l\u0131k<\/h5>\n

A\u00e7\u0131k bankac\u0131l\u0131k fikrinin d\u00fcnyadaki \u00f6nc\u00fcs\u00fc Birle\u015fik Krall\u0131k olarak belirtiliyor. Avrupa Birli\u011fi i\u00e7inde ilk tohumlar ise 2007 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren PSD(Payment Services Directive) ile at\u0131l\u0131yor. 2009 y\u0131l\u0131nda yap\u0131lan g\u00fcncellemeler ile PSD1 ad\u0131n\u0131 alan d\u00fczenleme ile \u00d6deme Hizmetleri Sa\u011flay\u0131c\u0131s\u0131 ad\u0131 alt\u0131nda bankalar \u00f6zelinde y\u00fcr\u00fct\u00fclen \u00f6deme sistemlerine yeni bir oyuncu daha ekleniyor. Bu d\u00fczenlemenin a\u00e7\u0131k bankac\u0131l\u0131k i\u00e7in hedeflenen \u00e7oklu oyuncu ortam\u0131na izin verdi\u011fi gibi fintech alan\u0131nda ilerleyen startuplar i\u00e7in olduk\u00e7a \u00f6nemli bir geli\u015fme oldu\u011funu da belirtmemiz gerekiyor.<\/p>\n

PSD1 in daha geli\u015fmi\u015f hali olarak lanse edilen ve 2016 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren PSD2 ise hesap bilgileri hizmet sa\u011flay\u0131c\u0131lar\u0131(account information service providers) ve \u00f6deme ba\u015flatma hizmet sa\u011flay\u0131c\u0131lar\u0131(payment initation service providers) ad\u0131nda iki yeni kavram\u0131 daha a\u00e7\u0131k bankac\u0131l\u0131k sistemine dahil ediyor. Ancak PSD2 nin getirdi\u011fi as\u0131l \u00f6nemli yenilik bankalar\u0131n \u00f6deme hizmetlerini API lar ile\u00a0 yoluyla 3. Parti hizmet sa\u011flay\u0131c\u0131lara a\u00e7mas\u0131 y\u00f6n\u00fcnde yap\u0131lan d\u00fczenleme ile oluyor.<\/p>\n

Bug\u00fcn d\u00fcnyada Avrupa Birli\u011fi \u00fclkeleri, Japonya ve Meksika\u2019da bankalar\u0131n a\u00e7\u0131k bankac\u0131l\u0131k sistemine dahil olmas\u0131 zorunlu. \u00c7in, Hong Kong, Arjantin ve Singapur ise a\u00e7\u0131k bankac\u0131l\u0131k sistemini te\u015fvik eden \u00fclkeler.<\/p>\n

T\u00fcrkiye\u2019de A\u00e7\u0131k Bankac\u0131l\u0131k<\/h5>\n

\u00dclkemizde 2013 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren \u00d6deme ve Menkul K\u0131ymet Mutabakat Sistemleri, \u00d6deme Hizmetleri ve Elektronik Para Kurulu\u015flar\u0131 Hakk\u0131nda Kanun\u2019da 2019 y\u0131l\u0131nda yap\u0131lan de\u011fi\u015fiklik ile \u00f6deme kurulu\u015flar\u0131 da sisteme dahil edilerek a\u00e7\u0131k bankac\u0131l\u0131k d\u00fczenlemelerinin \u00f6n\u00fc a\u00e7\u0131l\u0131yor.<\/p>\n

15.03.2020 tarihinde yay\u0131nlanan Bankalar\u0131n Bilgi Sistemleri \u00a0ve Elektronik Bankac\u0131l\u0131k Hizmetleri Y\u00f6netmeli\u011fi ise a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131n\u0131 detayland\u0131r\u0131yor. Bu detayland\u0131rman\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc veri g\u00fcvenli\u011fine ili\u015fkin hususlar olu\u015fturuyor. Yine Avrupa Parlamentosu\u2019nda 2019 y\u0131l\u0131nda kabul edilen Regulatory Tecnic Standards da a\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n getirdi\u011fi veri g\u00fcvenli\u011fi risklerini azaltmak \u00fczere olduk\u00e7a titiz bir \u00e7al\u0131\u015fma oldu\u011funu belirtmemiz gerekiyor.<\/p>\n

A\u00e7\u0131k bankac\u0131l\u0131\u011f\u0131n kullan\u0131c\u0131lar i\u00e7in getirece\u011fi kolayl\u0131k, dijitalle\u015fme yolunda at\u0131lan \u00f6nemli bir ad\u0131m ve giri\u015fimcilik i\u00e7in \u00f6nemli bir fayda olmas\u0131n\u0131n yan\u0131nda ki\u015fisel verilerimizin payla\u015f\u0131lmas\u0131 ve korunmas\u0131 yolunda da bir tak\u0131m riskler do\u011furdu\u011fu a\u00e7\u0131k. Bankac\u0131l\u0131k i\u015flemlerimiz s\u0131ras\u0131nda toplanan ki\u015fisel verilerimizin 3. Parti uygulamalar, di\u011fer \u00f6deme kurulu\u015flar\u0131 ya da di\u011fer bankalar ile payla\u015f\u0131lmas\u0131 elbetteki a\u00e7\u0131k r\u0131zam\u0131za ba\u011fl\u0131 olacakt\u0131r.<\/p>\n

Peki Ki\u015fisel Verilerimizin A\u00e7\u0131k Bankac\u0131l\u0131k Uygulamalar\u0131 \u0130\u00e7in Payla\u015f\u0131lmas\u0131n\u0131 \u0130stiyor muyuz?<\/h5>\n

Ki\u015fisel verilerin aktar\u0131m\u0131 ve g\u00fcvenli\u011fi konusunda toplum nezdinde olu\u015fan hassasiyetin yan\u0131nda toplanan ki\u015fisel verilerimiz bize fayda sa\u011flayacak uygulamalara d\u00f6n\u00fc\u015febilir. Ancak ki\u015fisel verilerimizin bankalar taraf\u0131ndan 3. Parti uygulamalara ya da di\u011fer bankalara aktar\u0131m\u0131na izin verdi\u011fimizde olu\u015fabilecek g\u00fcvenlik zafiyetleri de a\u00e7\u0131k bankac\u0131l\u0131k sisteminin riskli y\u00f6n\u00fcn\u00fc olu\u015fturuyor.<\/p>\n

Fintech \u0130stanbul taraf\u0131ndan 2019 y\u0131l\u0131nda haz\u0131rlanan rapora g\u00f6re<\/a> Hollanda, Almanya ve Kanada\u2019da a\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131nda t\u00fcketici g\u00fcveninin \u00fcst d\u00fczeyde oldu\u011fu g\u00f6r\u00fcl\u00fcyor. 2019 y\u0131l\u0131ndan bug\u00fcne pandeminin etkisi ile artan dijitalle\u015fme ve ayn\u0131 oranda artan siber g\u00fcvenlik riskinin t\u00fcketici g\u00fcvenine etkisini de \u00f6l\u00e7\u00fcmlemek gerekiyor. Ancak toplanan ki\u015fisel verilerimizin API lar yard\u0131m\u0131 ile kullan\u0131c\u0131 yarar\u0131na uygulama ve \u00e7\u00f6z\u00fcmlere d\u00f6n\u00fc\u015fmesi de beklenen faydalar aras\u0131nda oldu\u011funu belirtmemiz gerekir.<\/p>\n

A\u00e7\u0131k Bankac\u0131l\u0131k ve Hizmet \u015eart\u0131na Ba\u011flanamayan A\u00e7\u0131k R\u0131za\u00a0<\/h5>\n

A\u00e7\u0131k bankac\u0131l\u0131k, ki\u015fisel verilerimizin bizim i\u00e7in daha i\u015flevsel uygulamalarda kullan\u0131lmas\u0131n\u0131 yukar\u0131da da bahsetti\u011fimiz \u00fczere API lar yolu ile 3. Parti uygulamalara aktararak sa\u011fl\u0131yor. Bu aktar\u0131m i\u00e7in ise ilgili ki\u015filerin a\u00e7\u0131k r\u0131zas\u0131n\u0131n bulunmas\u0131 gerekiyor. \u0130lgili ki\u015filerden al\u0131nan a\u00e7\u0131k r\u0131zan\u0131n ge\u00e7erli olabilmesi i\u00e7in belirli bir konuya ili\u015fkin, bilgilendirmeye dayal\u0131 ve \u00f6zg\u00fcr irade ile al\u0131nm\u0131\u015f olmas\u0131 gerekiyor. A\u00e7\u0131k bankac\u0131l\u0131k uygulamalar\u0131nda a\u00e7\u0131k r\u0131za al\u0131nmas\u0131 i\u00e7in bu \u015fartlar sa\u011flanabilse bile Ki\u015fisel Verileri Koruma Kurulu taraf\u0131ndan a\u00e7\u0131k r\u0131zan\u0131n hizmet \u015fart\u0131na ba\u011flanamayaca\u011f\u0131 y\u00f6n\u00fcndeki karar\u0131n\u0131n bu konuya ne derece etki edece\u011fi ise yeni bir tart\u0131\u015fma do\u011furacak gibi g\u00f6r\u00fcn\u00fcyor.<\/p>\n

T\u00fcm bu de\u011ferlendirmeler neticesinde, ki\u015fisel veri toplaman\u0131n yaln\u0131zca \u00f6zel hayat\u0131n gizlili\u011fine dair bir tehdit olarak de\u011fil ki\u015filer i\u00e7in avantaja d\u00f6n\u00fc\u015febilecek i\u015flevsel uygulamalar i\u00e7in de kullan\u0131labilece\u011fini g\u00f6r\u00fcyoruz. Teknolojinin geli\u015fimi ve yeni i\u015f modellerinin olu\u015fumu ile ki\u015fisel verilerin i\u015flenmesi y\u00f6n\u00fcnde al\u0131nan kararlar\u0131n da bu do\u011frultuda de\u011ferlendirilmesi gerekiyor.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

A \u00e7\u0131k bankac\u0131l\u0131k(Open Banking), k\u0131saca bankac\u0131l\u0131k i\u015flemleri i\u00e7in toplanan finansal verilerin bankalar taraf\u0131ndan \u00fc\u00e7\u00fcnc\u00fc parti programlarla payla\u015f\u0131larak kullan\u0131c\u0131lar i\u00e7in yenilik\u00e7i bir dijital deneyim ihtiyac\u0131 ile do\u011fan fintech alan\u0131 olarak tan\u0131mlanabilir.…<\/p>\n","protected":false},"author":1,"featured_media":19292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[189],"tags":[],"class_list":["post-19098","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makaleler"],"_links":{"self":[{"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/19098","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/comments?post=19098"}],"version-history":[{"count":5,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/19098\/revisions"}],"predecessor-version":[{"id":19184,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/19098\/revisions\/19184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/media\/19292"}],"wp:attachment":[{"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/media?parent=19098"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/categories?post=19098"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aysegulzengin.av.tr\/tr\/wp-json\/wp\/v2\/tags?post=19098"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}