Publication: Bankacılık sektöründe teknolojik gelişmeler ve bu gelişmelerin alternatif dağıtım kanalları üzerine etkisi
Abstract
2000’li yıllardan itibaren bankacılık sektöründe, alternatif dağıtım kanalları sektörün en hızlı gelişim gösteren alanı olmuştur. Şube bankacılığının ve alternatif dağıtım kanallarının ortaya çıkışı, gelişimi ve günümüzdeki uygulamaları çalışmanın kapsamını oluşturmaktadır. Bu kapsamda Türkiye’de şubesiz bankacılık kanallarının yeri araştırılmış ve müşteriler nezdindeki algısı şube bankacılığıyla karşılaştırmalı olarak incelenmiştir. Araştırmada, ayrıca müşterilerin bankacılık kanalı kullanımları ve işlem bazında kanal tercihleri ile demografik değişkenler arasındaki ilişkiler araştırılmıştır.Araştırmada bankacılık faaliyetlerinin kullanımına yönelik olarak hazırlanan bir soru formu ile anket tekniği uygulanmıştır. Araştırma üç bölüm olarak planlanmıştır:Birinci bölümde; yeni nesil bankacılık kavramı, alternatif dağıtım kanalı bankacılığının ortaya çıkışı ve günümüze kadar olan tarihsel gelişimi incelenmiş. Kapsam ve faaliyet alanlarına göre teknolojileri açıklanmıştır.İkinci bölümde; Türkiye’de bankacılık sektörü kapsamındaki alternatif dağıtım kanalı hizmetlerinin geçmişten günümüze gelişimi incelenmiştir. Elektronik bankacılığın gelişimi ile alternatif dağıtım kanalı ürünleri olan ATM, kartlı sistemler, telefon ve internet bankacılıklarının genel durumları incelenmiştir. Üçüncü bölümde ise: sahadan toplanan verilerle bankacılık hizmetlerine ilişkin müşteri tercihleri ve bu tercihlere etki eden faktörler analiz edilmiştir.
During the 2000’s, digital channels have become the fastest growing field in the banking industry. Branch banking and the emergence and progression of digital channels and evaluation of the modern applications of digital channels in banking is the scope of this study. Within the scope, digital channels in banking was surveyed and compared with branch banking.The goal of this study is understanding the correlation of the customers demographic variables with customers use of banking channels (Branch, Internet, ATM, Card Systems, Telephone), distribution of their transactions to channels and their banking preferences.A survey was prepared as the data collection technique about the use of banking channels. The research is planned in third parts.In the first part, new generation banking concept, the emergence of the digital channels in banking and its historical development were examined and its types were explained according to their scope and activity area.In the second part, past to present evolution of the services of digital channels in Turkish banking industry was studied. With respect to development of electronic banking, general situation of the ATM, card systems, telephone and internet banking which are the product line of the digital channels were analyzed.In the third part, a survey was carried out about which were effective on the reasons of customers' banking services preferences and analysis and findings were included.
During the 2000’s, digital channels have become the fastest growing field in the banking industry. Branch banking and the emergence and progression of digital channels and evaluation of the modern applications of digital channels in banking is the scope of this study. Within the scope, digital channels in banking was surveyed and compared with branch banking.The goal of this study is understanding the correlation of the customers demographic variables with customers use of banking channels (Branch, Internet, ATM, Card Systems, Telephone), distribution of their transactions to channels and their banking preferences.A survey was prepared as the data collection technique about the use of banking channels. The research is planned in third parts.In the first part, new generation banking concept, the emergence of the digital channels in banking and its historical development were examined and its types were explained according to their scope and activity area.In the second part, past to present evolution of the services of digital channels in Turkish banking industry was studied. With respect to development of electronic banking, general situation of the ATM, card systems, telephone and internet banking which are the product line of the digital channels were analyzed.In the third part, a survey was carried out about which were effective on the reasons of customers' banking services preferences and analysis and findings were included.