{"status":true,"post":{"id":30893,"user_id":2,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-24 16:37:47","created_at":"2022-01-27T21:00:00.000000Z","updated_at":"2022-10-24T13:37:47.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":30893,"is_featured":0,"title":"\u00c7in\u2019de bildi\u011fimiz paran\u0131n sonu mu?","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p style=\"text-align: right;\"><span class=\"large\"><strong>FAT\u0130H OKTAY<\/strong><\/span><br><span class=\"large\"> <strong><\/strong><\/span><\/p>  <p><span class=\"large\">\u00c7in\u2019de dilenciler ve sokak sat\u0131c\u0131lar\u0131n\u0131, tahsilatlar\u0131n\u0131 QR kodu ile cep telefonlar\u0131 \u00fczerinden yaparken g\u00f6steren foto\u011fraflarla hemen herkes kar\u015f\u0131la\u015fm\u0131\u015ft\u0131r. Bunlar\u0131n yans\u0131tt\u0131\u011f\u0131 gibi nakit, \u00c7inlilerin ya\u015fam\u0131ndan h\u0131zla \u00e7\u0131k\u0131yor; ne t\u00fcketiciler ne de sat\u0131c\u0131lar nakit ile u\u011fra\u015fmak istemiyor, \u00f6demelerinin elektronik olarak, b\u00fcy\u00fck \u00f6l\u00e7\u00fcde cep telefonlar\u0131yla ger\u00e7ekle\u015ftirilmesini tercih ediyor. \u00d6yle ki, 2020 sonlar\u0131nda \u00fclke merkez bankas\u0131, herkesin \u00fclke paras\u0131n\u0131 fiziksel olarak kabul etmek zorunda oldu\u011fu ve buna uymayan baz\u0131 kurulu\u015flara ceza verildi\u011fi y\u00f6n\u00fcnde bir a\u00e7\u0131klama yapmak zorunda kald\u0131.<\/span><br><span class=\"large\"> <strong><\/strong><\/span><br><span class=\"large\"> <strong>SATI\u015eLARIN Y\u00dcZDE 30\u2019U \u0130NTERNETTEN<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00d6deme al\u0131\u015fkanl\u0131k ve tercihlerindeki bu de\u011fi\u015fimin k\u00f6keninde internet ve e-ticaret yat\u0131yor. \u00dclkedeki internet kullan\u0131c\u0131lar\u0131n\u0131n say\u0131s\u0131, ge\u00e7ti\u011fimiz y\u0131l\u0131n ortas\u0131 itibariyle 1 milyar\u0131 a\u015ft\u0131. Bu kullan\u0131c\u0131lar\u0131n say\u0131lar\u0131 800 milyonu a\u015fan bir b\u00f6l\u00fcm\u00fc internet \u00fczerinden al\u0131\u015fveri\u015f yap\u0131yor. \u00dclkenin merkez bankas\u0131n\u0131n verilerine g\u00f6re, internet \u00fczerinden yap\u0131lan perakende al\u0131\u015fveri\u015flerin tutar\u0131 2 trilyon ABD dolar\u0131n\u0131 buluyor. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Bu, \u00fclkedeki toplam perakende sat\u0131\u015flar\u0131n y\u00fczde 30\u2019unu olu\u015fturuyor. Kar\u015f\u0131la\u015ft\u0131r\u0131l\u0131rsa, d\u00fcnyan\u0131n ikinci b\u00fcy\u00fck e-ticaret pazar\u0131 ABD\u2019de internet \u00fczerinden yap\u0131lan sat\u0131\u015flar 1 milyar dolar\u0131 bulmuyor ve toplam perakende sat\u0131\u015flar\u0131n ancak y\u00fczde 13\u2019\u00fcn\u00fc olu\u015fturuyor. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>NAK\u0130T \u00d6DEME DI\u015eLANIYOR<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00c7in\u2019de internet \u00fczerinden sat\u0131\u015flar, a\u011f\u0131rl\u0131kl\u0131 olarak kredi kart\u0131 de\u011fil, banka hesaplar\u0131 \u00fczerinden \u00e7al\u0131\u015fan cep telefonu uygulamalar\u0131 ile ger\u00e7ekle\u015ftiriliyor. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Bu \u00f6demelerin \u00e7ok b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc, Alibaba\u2019n\u0131n AliPay ve \u00c7in\u2019in Facebook ve WhatsApp uygulamalar\u0131ndakiler yan\u0131nda bir\u00e7ok di\u011fer i\u015flevi bir araya getiren WeChat uygulamas\u0131 b\u00fcnyesindeki WeChat Pay ile ger\u00e7ekle\u015ftiriliyor. Bu \u015fekilde geli\u015fen \u00f6deme uygulamalar\u0131n\u0131n fiziksel al\u0131\u015fveri\u015flere de ge\u00e7i\u015f yapmas\u0131yla \u00c7in, belirtti\u011fimiz gibi nakit \u00f6demenin d\u0131\u015flanmaya ba\u015flad\u0131\u011f\u0131 bir d\u00fcnya haline geldi.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Nakit d\u0131\u015flansa da bu geli\u015fmeler \u00c7in\u2019de para sisteminin de\u011fi\u015fmesi anlam\u0131na gelmiyor; yeni \u00f6deme uygulamalar\u0131 nakit ile olmasa da bankalardaki mevduat hesaplar\u0131 \u00fczerinden \u00e7al\u0131\u015f\u0131yor. \u00dclke merkez bankas\u0131n\u0131n \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131 dijital para ise bundan farkl\u0131 olarak paran\u0131n k\u00f6kten de\u011fi\u015fmesi anlam\u0131na geliyor. <\/span><br><span class=\"large\"> <strong><\/strong><\/span><br><span class=\"large\"> <strong>MERKEZ BANKASI D\u0130J\u0130TAL PARASI<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Merkez Bankas\u0131 Dijital Paras\u0131, fiziki olarak ka\u011f\u0131t \u00fczerine bas\u0131l\u0131 bilgi de\u011fil, \u015fifreleme teknikleri ile korunan dijital bilgi dizilerinden olu\u015fuyor. Bu bilgilerin bilgisayarlar, cep telefonlar\u0131, ak\u0131ll\u0131 kartlarda saklanmas\u0131, i\u015flenmesi ve ileti\u015fimiyle, tasar\u0131ma g\u00f6re bir banka hesab\u0131na da gerek olmadan, al\u0131\u015fveri\u015f yapmak, ba\u015fkalar\u0131na kaynak aktarmak olanakl\u0131 hale geliyor. Bu, \u00f6deme i\u015flemlerinin daha etkili ve g\u00fcvenli yap\u0131lmas\u0131, bankac\u0131l\u0131k sistemine eri\u015fimi olmayanlara ula\u015fabilmenin sa\u011flanmas\u0131 gibi yararlar yan\u0131nda, merkez bankalar\u0131na ekonomideki para ak\u0131\u015f\u0131n\u0131 izleme, yasa d\u0131\u015f\u0131 i\u015flemleri belirleme, hatta para politikalar\u0131n\u0131n etkisini art\u0131rma y\u00f6n\u00fcnde olanaklar getiriyor. Bu nedenle g\u00fcn\u00fcm\u00fczde 80\u2019den fazla \u00fclkenin merkez bankas\u0131 bu konuda \u00e7al\u0131\u015fma s\u00fcrd\u00fcr\u00fcyor. \u00c7in merkez bankas\u0131 da bu konuda ara\u015ft\u0131rmalara 2014 y\u0131l\u0131nda ba\u015flad\u0131. Bu ara\u015ft\u0131rmalara dayan\u0131larak 2017 y\u0131l\u0131nda sistem geli\u015ftirme faaliyetlerine ba\u015fland\u0131 ve sistem, 2019 y\u0131l\u0131nda birka\u00e7 kent ile ba\u015flay\u0131p giderek geni\u015fleyen bir alanda pilot uygulamaya girdi. Bu, \u00c7in\u2019i bu alanda b\u00fcy\u00fck ekonomiler aras\u0131nda \u00f6nc\u00fc konuma getirdi. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Merkez bankalar\u0131 dijital para sistemleri geli\u015ftirebilirler ama bu sistemlerin \u00fclke insanlar\u0131nca benimsenmesini sa\u011flayamazlar. \u00c7in, halihaz\u0131rda n\u00fcfusunun b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn elektronik \u00f6demeleri benimsemi\u015f olmas\u0131yla bu konuda \u015fansl\u0131 bir konumda bulunuyor. \u00dclkenin etkili bir dijital para sistemi kurmas\u0131, bir\u00e7ok alanda avantaj elde etmesini sa\u011flayabilir. Bu nedenle ba\u015fta ABD olmak \u00fczere di\u011fer \u00fclkeler geli\u015fmeleri dikkatle izliyor.<\/span><\/p>  \t\t\t\t","slug":"cinde-bildigimiz-paranin-sonu-mu","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"\u00c7in\u2019de bildi\u011fimiz paran\u0131n sonu mu?","meta_description":"FAT\u0130H OKTAY","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":1282,"cropped_1200x675":null,"user":{"id":2,"name":"FAT\u0130H","surname":"OKTAY","email":"ozansoy.tuna@akay.com","slug":"fatih-oktay","avatar":"\/front\/uploads\/avatar\/1733691600qSRn7kb3ZZVHU3t.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-09-15T09:39:41.000000Z","updated_at":"2024-12-18T14:51:22.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":30992,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":30893,"locale":"tr","category_id":73,"title":"\u00c7in\u2019de bildi\u011fimiz paran\u0131n sonu mu?","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":null,"content":"  \t\t\t\t\t  \t\t\t\t\t<p style=\"text-align: right;\"><span class=\"large\"><strong>FAT\u0130H OKTAY<\/strong><\/span><br><span class=\"large\"> <strong><\/strong><\/span><\/p>  <p><span class=\"large\">\u00c7in\u2019de dilenciler ve sokak sat\u0131c\u0131lar\u0131n\u0131, tahsilatlar\u0131n\u0131 QR kodu ile cep telefonlar\u0131 \u00fczerinden yaparken g\u00f6steren foto\u011fraflarla hemen herkes kar\u015f\u0131la\u015fm\u0131\u015ft\u0131r. Bunlar\u0131n yans\u0131tt\u0131\u011f\u0131 gibi nakit, \u00c7inlilerin ya\u015fam\u0131ndan h\u0131zla \u00e7\u0131k\u0131yor; ne t\u00fcketiciler ne de sat\u0131c\u0131lar nakit ile u\u011fra\u015fmak istemiyor, \u00f6demelerinin elektronik olarak, b\u00fcy\u00fck \u00f6l\u00e7\u00fcde cep telefonlar\u0131yla ger\u00e7ekle\u015ftirilmesini tercih ediyor. \u00d6yle ki, 2020 sonlar\u0131nda \u00fclke merkez bankas\u0131, herkesin \u00fclke paras\u0131n\u0131 fiziksel olarak kabul etmek zorunda oldu\u011fu ve buna uymayan baz\u0131 kurulu\u015flara ceza verildi\u011fi y\u00f6n\u00fcnde bir a\u00e7\u0131klama yapmak zorunda kald\u0131.<\/span><br><span class=\"large\"> <strong><\/strong><\/span><br><span class=\"large\"> <strong>SATI\u015eLARIN Y\u00dcZDE 30\u2019U \u0130NTERNETTEN<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00d6deme al\u0131\u015fkanl\u0131k ve tercihlerindeki bu de\u011fi\u015fimin k\u00f6keninde internet ve e-ticaret yat\u0131yor. \u00dclkedeki internet kullan\u0131c\u0131lar\u0131n\u0131n say\u0131s\u0131, ge\u00e7ti\u011fimiz y\u0131l\u0131n ortas\u0131 itibariyle 1 milyar\u0131 a\u015ft\u0131. Bu kullan\u0131c\u0131lar\u0131n say\u0131lar\u0131 800 milyonu a\u015fan bir b\u00f6l\u00fcm\u00fc internet \u00fczerinden al\u0131\u015fveri\u015f yap\u0131yor. \u00dclkenin merkez bankas\u0131n\u0131n verilerine g\u00f6re, internet \u00fczerinden yap\u0131lan perakende al\u0131\u015fveri\u015flerin tutar\u0131 2 trilyon ABD dolar\u0131n\u0131 buluyor. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Bu, \u00fclkedeki toplam perakende sat\u0131\u015flar\u0131n y\u00fczde 30\u2019unu olu\u015fturuyor. Kar\u015f\u0131la\u015ft\u0131r\u0131l\u0131rsa, d\u00fcnyan\u0131n ikinci b\u00fcy\u00fck e-ticaret pazar\u0131 ABD\u2019de internet \u00fczerinden yap\u0131lan sat\u0131\u015flar 1 milyar dolar\u0131 bulmuyor ve toplam perakende sat\u0131\u015flar\u0131n ancak y\u00fczde 13\u2019\u00fcn\u00fc olu\u015fturuyor. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> <strong>NAK\u0130T \u00d6DEME DI\u015eLANIYOR<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> \u00c7in\u2019de internet \u00fczerinden sat\u0131\u015flar, a\u011f\u0131rl\u0131kl\u0131 olarak kredi kart\u0131 de\u011fil, banka hesaplar\u0131 \u00fczerinden \u00e7al\u0131\u015fan cep telefonu uygulamalar\u0131 ile ger\u00e7ekle\u015ftiriliyor. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Bu \u00f6demelerin \u00e7ok b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc, Alibaba\u2019n\u0131n AliPay ve \u00c7in\u2019in Facebook ve WhatsApp uygulamalar\u0131ndakiler yan\u0131nda bir\u00e7ok di\u011fer i\u015flevi bir araya getiren WeChat uygulamas\u0131 b\u00fcnyesindeki WeChat Pay ile ger\u00e7ekle\u015ftiriliyor. Bu \u015fekilde geli\u015fen \u00f6deme uygulamalar\u0131n\u0131n fiziksel al\u0131\u015fveri\u015flere de ge\u00e7i\u015f yapmas\u0131yla \u00c7in, belirtti\u011fimiz gibi nakit \u00f6demenin d\u0131\u015flanmaya ba\u015flad\u0131\u011f\u0131 bir d\u00fcnya haline geldi.<\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Nakit d\u0131\u015flansa da bu geli\u015fmeler \u00c7in\u2019de para sisteminin de\u011fi\u015fmesi anlam\u0131na gelmiyor; yeni \u00f6deme uygulamalar\u0131 nakit ile olmasa da bankalardaki mevduat hesaplar\u0131 \u00fczerinden \u00e7al\u0131\u015f\u0131yor. \u00dclke merkez bankas\u0131n\u0131n \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131 dijital para ise bundan farkl\u0131 olarak paran\u0131n k\u00f6kten de\u011fi\u015fmesi anlam\u0131na geliyor. <\/span><br><span class=\"large\"> <strong><\/strong><\/span><br><span class=\"large\"> <strong>MERKEZ BANKASI D\u0130J\u0130TAL PARASI<\/strong><\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Merkez Bankas\u0131 Dijital Paras\u0131, fiziki olarak ka\u011f\u0131t \u00fczerine bas\u0131l\u0131 bilgi de\u011fil, \u015fifreleme teknikleri ile korunan dijital bilgi dizilerinden olu\u015fuyor. Bu bilgilerin bilgisayarlar, cep telefonlar\u0131, ak\u0131ll\u0131 kartlarda saklanmas\u0131, i\u015flenmesi ve ileti\u015fimiyle, tasar\u0131ma g\u00f6re bir banka hesab\u0131na da gerek olmadan, al\u0131\u015fveri\u015f yapmak, ba\u015fkalar\u0131na kaynak aktarmak olanakl\u0131 hale geliyor. Bu, \u00f6deme i\u015flemlerinin daha etkili ve g\u00fcvenli yap\u0131lmas\u0131, bankac\u0131l\u0131k sistemine eri\u015fimi olmayanlara ula\u015fabilmenin sa\u011flanmas\u0131 gibi yararlar yan\u0131nda, merkez bankalar\u0131na ekonomideki para ak\u0131\u015f\u0131n\u0131 izleme, yasa d\u0131\u015f\u0131 i\u015flemleri belirleme, hatta para politikalar\u0131n\u0131n etkisini art\u0131rma y\u00f6n\u00fcnde olanaklar getiriyor. Bu nedenle g\u00fcn\u00fcm\u00fczde 80\u2019den fazla \u00fclkenin merkez bankas\u0131 bu konuda \u00e7al\u0131\u015fma s\u00fcrd\u00fcr\u00fcyor. \u00c7in merkez bankas\u0131 da bu konuda ara\u015ft\u0131rmalara 2014 y\u0131l\u0131nda ba\u015flad\u0131. Bu ara\u015ft\u0131rmalara dayan\u0131larak 2017 y\u0131l\u0131nda sistem geli\u015ftirme faaliyetlerine ba\u015fland\u0131 ve sistem, 2019 y\u0131l\u0131nda birka\u00e7 kent ile ba\u015flay\u0131p giderek geni\u015fleyen bir alanda pilot uygulamaya girdi. Bu, \u00c7in\u2019i bu alanda b\u00fcy\u00fck ekonomiler aras\u0131nda \u00f6nc\u00fc konuma getirdi. <\/span><br><span class=\"large\"><\/span><br><span class=\"large\"> Merkez bankalar\u0131 dijital para sistemleri geli\u015ftirebilirler ama bu sistemlerin \u00fclke insanlar\u0131nca benimsenmesini sa\u011flayamazlar. \u00c7in, halihaz\u0131rda n\u00fcfusunun b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fcn elektronik \u00f6demeleri benimsemi\u015f olmas\u0131yla bu konuda \u015fansl\u0131 bir konumda bulunuyor. \u00dclkenin etkili bir dijital para sistemi kurmas\u0131, bir\u00e7ok alanda avantaj elde etmesini sa\u011flayabilir. Bu nedenle ba\u015fta ABD olmak \u00fczere di\u011fer \u00fclkeler geli\u015fmeleri dikkatle izliyor.<\/span><\/p>  \t\t\t\t","slug":"cinde-bildigimiz-paranin-sonu-mu","orjinalimage":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"\u00c7in\u2019de bildi\u011fimiz paran\u0131n sonu mu?","meta_description":"FAT\u0130H OKTAY","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":1282,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}