G\u00f6m\u00fcl\u00fc finansman (embedded finance), finansal hizmetlerin\u2014\u00f6demeler, kredilendirme, sigorta, bankac\u0131l\u0131k, yat\u0131r\u0131mlar\u2014API’ler arac\u0131l\u0131\u011f\u0131yla do\u011frudan finansal olmayan \u00fcr\u00fcnlere ve platformlara entegrasyonudur, kullan\u0131c\u0131lar\u0131n ana uygulamadan ayr\u0131lmadan finansal i\u015flevselli\u011fe eri\u015fmesini sa\u011flar. Model fintech’teki en \u00f6nemli trendlerden biri haline geldi, 2030’a kadar i\u015flem hacminde trilyonlara ula\u015fmas\u0131 bekleniyor.<\/p>\n
B\u00fcy\u00fck kategoriler \u015funlar\u0131 i\u00e7erir: g\u00f6m\u00fcl\u00fc \u00f6demeler (Stripe, Adyen, PayPal\u2014herhangi bir uygulama i\u00e7inde \u00f6deme kabul\u00fc), g\u00f6m\u00fcl\u00fc kredilendirme (Affirm, Klarna, Block BNPL; Shopify Capital, Amazon Lending arac\u0131l\u0131\u011f\u0131yla KOB\u0130 kredilendirme), g\u00f6m\u00fcl\u00fc sigorta (ihtiya\u00e7 noktas\u0131nda kapsam sunma\u2014u\u00e7u\u015f rezervasyonu s\u0131ras\u0131nda seyahat sigortas\u0131, \u00fcr\u00fcn sat\u0131n alma s\u0131ras\u0131nda garanti), g\u00f6m\u00fcl\u00fc bankac\u0131l\u0131k \/ Hizmet Olarak Bankac\u0131l\u0131k<\/a> (\u00e7ek hesaplar\u0131, banka kartlar\u0131n\u0131 \u00f6zellikler olarak sunma\u2014startup’lar i\u00e7in Mercury, Stripe Treasury) ve g\u00f6m\u00fcl\u00fc yat\u0131r\u0131m (Cash App, Revolut gibi uygulamalarda arac\u0131l\u0131k entegrasyonu).<\/p>\n Ekonomik yap\u0131 tipik olarak \u015funlar\u0131 i\u00e7erir: altta yatan finansal hizmeti sa\u011flayan lisansl\u0131 finansal altyap\u0131 sa\u011flay\u0131c\u0131lar\u0131 (d\u00fczenlenmi\u015f bankalar, \u00f6deme kurulu\u015flar\u0131); API arac\u0131l\u0131\u011f\u0131yla entegre olan ve t\u00fcketiciye d\u00f6n\u00fck deneyim ekleyen ana platform (finansal olmayan \u00fcr\u00fcn) ve gelir payla\u015f\u0131m d\u00fczenlemeleri\u2014i\u015flem de\u011ferinin y\u00fczdesi, ayl\u0131k platform \u00fccretleri veya finansal hizmet karlar\u0131nda gelir pay\u0131.<\/p>\n G\u00f6m\u00fcl\u00fc finansman birden \u00e7ok d\u00fczenlemede gezinmek zorundad\u0131r: \u00f6deme hizmetleri d\u00fczenlemesi (AB’de PSD2, her yarg\u0131 yetkisinde \u00f6demeler lisanslama), altta yatan hizmet bankac\u0131l\u0131k oldu\u011funda bankac\u0131l\u0131k d\u00fczenlemesi, sigorta da\u011f\u0131t\u0131m kurallar\u0131, t\u00fcketici kredi korumalar\u0131 dahil kredilendirme d\u00fczenlemesi, kara para aklama ve KYC y\u00fck\u00fcml\u00fcl\u00fckleri ve t\u00fcketici koruma kurallar\u0131. T\u00fcrkiye’nin BDDK’s\u0131 bankalar\u0131 ve \u00f6deme kurulu\u015flar\u0131n\u0131 d\u00fczenler; \u00f6deme kurulu\u015fu lisans\u0131 \u00f6deme hizmetlerini m\u00fcmk\u00fcn k\u0131lar.<\/p>\n","protected":false},"excerpt":{"rendered":" TLDR: G\u00f6m\u00fcl\u00fc finansman (embedded finance), finansal hizmetlerin\u2014\u00f6demeler, kredilendirme, sigorta, bankac\u0131l\u0131k, yat\u0131r\u0131mlar\u2014API’ler arac\u0131l\u0131\u011f\u0131yla do\u011frudan finansal olmayan \u00fcr\u00fcnlere ve platformlara entegrasyonudur, kullan\u0131c\u0131lar\u0131n ana uygulamadan ayr\u0131lmadan finansal i\u015flevselli\u011fe eri\u015fmesini sa\u011flar. Model fintech’teki en \u00f6nemli trendlerden biri haline geldi, 2030’a kadar i\u015flem hacminde trilyonlara ula\u015fmas\u0131 bekleniyor. G\u00f6m\u00fcl\u00fc Finansman Kategorileri B\u00fcy\u00fck kategoriler \u015funlar\u0131 i\u00e7erir: g\u00f6m\u00fcl\u00fc \u00f6demeler (Stripe, Adyen, PayPal\u2014herhangi bir […]<\/p>\n","protected":false},"author":4,"featured_media":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","meta":{"footnotes":""},"categories":[],"class_list":["post-11981","term","type-term","status-publish","format-standard","hentry"],"_links":{"self":[{"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/term\/11981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/term"}],"about":[{"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/types\/term"}],"author":[{"embeddable":true,"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/comments?post=11981"}],"version-history":[{"count":1,"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/term\/11981\/revisions"}],"predecessor-version":[{"id":12294,"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/term\/11981\/revisions\/12294"}],"wp:attachment":[{"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/media?parent=11981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/virconlegal.com\/tr\/wp-json\/wp\/v2\/categories?post=11981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u0130\u015f Modelleri<\/h3>\n
D\u00fczenleyici \u00c7er\u00e7eve<\/h3>\n