ARTICLE · 05 MAY 2023

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Bir Fintek Hizmeti Olarak: Platform Bankacılığı (BaaP)

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Bankacılık sektörünün dijitalleşme serüveninde, bankacılık deneyimi, artan müşteri beklentileri sebebiyle teknolojiye daha uyumlu olmayı gerektiriyor.

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'Pazar yeri bankaciligi'

Bankacilik sektörünün dijitallesme serüveninde, bankacilik deneyimi, artan müsteri beklentileri sebebiyle teknolojiye daha uyumlu olmayi gerektiriyor. Platform bankaciligi modeli de dijitallesme sürecinde tasarlanan bankacilik ürün ve hizmetlerinden biri olarak karsimiza çikiyor. Bu yazimizda platform bankaciligi modelini tanimlayacak, kavrami daha anlasilir kilmak adina diger modellerle karsilastirma yapacak ve gerekli uyum süreçlerinden bahsedecegiz.

Platform bankaciligi bir banka veya banka disi bir kurulus tarafindan isletilen, bankacilik ve muhtemelen bankacilik disi hizmetlerin sunuldugu dijital bir pazar yeridir. Dolayisiyla geleneksel ve dijital bankacilik, fintek tabanli sirketler ile üçüncü taraflarin kombinasyonundan olusur. Bu modelde bankalar, sahip olduklari müsteri iliskilerini kendi ekosisteminde tutmaya devam ediyor; fintek sirketleri ise perde arkasindaki platformda bulunuyor. Bu noktada, fintek tabanli sirketler veya

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