Publication: Implementations and transformation activities in the field of digital banking : a comparative analysis of the United states of America, Germany, and Türkiye
Abstract
Dijital bankacılık alanındaki uygulamalar ve dönüşüm faaliyetleri : Amerika Birleşik Devletleri, Almanya ve Türkiye’nin karşılaştırmalı analiz Tezin amacı, dijital bankacılığın yasal durumu ve yapısı hakkında genel bir çerçeve çizmek, uluslararası (Almanya, Amerika Birleşik Devletleri (ABD)) dijital bankacılık düzenlemeleri ile karşılaştırmalı analiz ve değerlendirmeler yapmak ve Türkiye’deki dijital bankalara ve bu sektörde düzenleyici konumunda olan kamu kurum ve kuruluşlarına önerilerde bulunmaktır. Tez çalışmasının piyasa oyuncuları ve düzenleyiciler için bir öngörü oluşturacağı düşünülmektedir. Düzenlemelerin yeni olması nedeniyle düzenleyici kurum ve kuruluşlar tarafından yayınlanacak ek tebliğler gibi mevzuatın hazırlanma sürecinde de kaynak olması amaçlanmaktadır. Ayrıca, para alışverişinin yoğun olarak gerçekleştirildiği ana kuruluşlar olarak dijital bankacılık faaliyetleri, son dönemde popüler bir konu olan CBDC (Merkez Bankası Dijital Parası) ile ilgili literatürde yer alan akademik çalışmalar ve merkez bankaları tarafından yayınlanan raporlar incelenmiştir. Bu doğrultuda, entegrasyon süreçleri değerlendirilmiş olup tez kapsamında öneriler sunulmuştur. Bu kapsamda, yöntem olarak ilgili taraflar belirlenerek anket çalışmaları gerçekleştirilmiştir. Anket sonuçlarına ilişkin analizler ile birlikte, tezden yararlanacak taraflara piyasa yapısı ve uygulama alanları hakkında verilmesi beklenmektedir. Bilimsel olarak literatüre kazandırılan bu çalışma gelecekte ilgili alanda çalışmak isteyen araştırmacılara da kaynak olacaktır. Kültürel açıdan bakıldığında, uluslararası toplumlara sunulan hizmetlerde ne gibi değişimlerin olduğu, hizmetlerin farklılaştırılarak nasıl sunulması gerektiği gibi karşılaştırmalı analizler ile birlikte ilgili ekosistem unsurlarına fayda sağlayacağı düşünülmektedir.
Implementations and transformation activities in the field of digital banking : a comparative analysis of the united states of America, Germany, and Türkiye The aim of the thesis is to draw a general framework about the legal situation and structure of digital banking, to make comparative analyses and evaluations with international (Germany, and the United States (USA)) digital banking regulations, and to make suggestions to digital banks in Türkiye and public institutions and organizations that are in the regulatory position in this sector. It is thought that with the thesis study, a foresight will be created for market players and regulators. Since the regulations are new, it is aimed to be a source in the preparation process of the legislation, as well as the additional communiqués to be published by regulatory institutions and organizations. Additionally, as digital banking activities are the main establishments where monetary transactions are heavily conducted, the literature on CBDC (Central Bank Digital Currency/ Digital Money/ e-currency) has been reviewed, including academic studies and reports published by central banks. The integration processes have also been evaluated, and suggestions have been presented within the scope of the thesis. In this context, relevant parties have been identified as the method, and surveys have been conducted. Along with the analysis of the survey results, it is expected that the thesis will provide general information about the market to the parties who will benefit from it. This study, which has been brought to the literature scientifically, will also be a source for researchers who want to work in the related field in the future. From a cultural point of view, it is thought that it will benefit the relevant ecosystem elements together with comparative analyses such as what kind of changes are in the services offered to international societies and how the services should be presented by differentiating them.
Implementations and transformation activities in the field of digital banking : a comparative analysis of the united states of America, Germany, and Türkiye The aim of the thesis is to draw a general framework about the legal situation and structure of digital banking, to make comparative analyses and evaluations with international (Germany, and the United States (USA)) digital banking regulations, and to make suggestions to digital banks in Türkiye and public institutions and organizations that are in the regulatory position in this sector. It is thought that with the thesis study, a foresight will be created for market players and regulators. Since the regulations are new, it is aimed to be a source in the preparation process of the legislation, as well as the additional communiqués to be published by regulatory institutions and organizations. Additionally, as digital banking activities are the main establishments where monetary transactions are heavily conducted, the literature on CBDC (Central Bank Digital Currency/ Digital Money/ e-currency) has been reviewed, including academic studies and reports published by central banks. The integration processes have also been evaluated, and suggestions have been presented within the scope of the thesis. In this context, relevant parties have been identified as the method, and surveys have been conducted. Along with the analysis of the survey results, it is expected that the thesis will provide general information about the market to the parties who will benefit from it. This study, which has been brought to the literature scientifically, will also be a source for researchers who want to work in the related field in the future. From a cultural point of view, it is thought that it will benefit the relevant ecosystem elements together with comparative analyses such as what kind of changes are in the services offered to international societies and how the services should be presented by differentiating them.