BKM, T\u00fcrkiye’deki kart kullan\u0131m al\u0131\u015fkanl\u0131klar\u0131n\u0131 \u00f6l\u00e7mek i\u00e7in bu y\u0131l 8’incisini T\u00fcrkiye’nin \u00d6deme Y\u00f6ntemi’nin (TROY) katk\u0131lar\u0131yla Ipsos taraf\u0131ndan yapt\u0131\u011f\u0131 “Kart Monit\u00f6r Ara\u015ft\u0131rmas\u0131” sonu\u00e7lar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n
Ara\u015ft\u0131rmaya g\u00f6re, kart kullan\u0131m bilinci h\u0131zla art\u0131yor. Kredi kart\u0131, \u00f6deme anlay\u0131\u015f\u0131n\u0131n dijital d\u00f6n\u00fc\u015f\u00fcm\u00fcnde en etkili \u00f6deme y\u00f6ntemlerinin ba\u015f\u0131nda geliyor. Verilere g\u00f6re, 2015’te “Al\u0131\u015fveri\u015f yaparken en \u00e7ok tercih etti\u011finiz \u00f6deme y\u00f6ntemi nedir?” sorusuna y\u00fczde 61 ile kredi kart\u0131 yan\u0131t\u0131 verilirken, 2017’de bu oran\u0131n y\u00fczde 68’e y\u00fckseldi\u011fi g\u00f6ze \u00e7arp\u0131yor.<\/p>\n
Kredi kart\u0131 tercihindeki bu y\u00fckseli\u015f, nakit para kullan\u0131m\u0131n\u0131n azal\u0131\u015f\u0131yla da paralellik g\u00f6steriyor. 2015’te al\u0131\u015fveri\u015f yaparken en \u00e7ok tercih edilen \u00f6deme y\u00f6ntemi olarak nakdi g\u00f6renlerin oran\u0131 y\u00fczde 35 iken, 2017’de bu oran\u0131n y\u00fczde 27\u2019ye d\u00fc\u015ft\u00fc\u011f\u00fc g\u00f6r\u00fcl\u00fcyor. B\u00f6ylece her 10 ki\u015fiden 7’sinin \u00f6deme arac\u0131 olarak kredi kart\u0131 kullanmay\u0131 tercih etti\u011fi ortaya \u00e7\u0131k\u0131yor.<\/p>\n
20 milyondan fazla ki\u015finin kart\u0131 yok<\/strong><\/p>\n T\u00fcrkiye’de bir banka hesab\u0131 ya da kredi kart\u0131 olmayan 20 milyondan fazla t\u00fcketici bulunuyor. Kredi kart\u0131 almay\u0131 d\u00fc\u015f\u00fcnen t\u00fcketicilerin say\u0131s\u0131nda 2015’e k\u0131yasla ciddi bir art\u0131\u015f var. 2015’te hi\u00e7 kart\u0131 olmayan ve kart almay\u0131 d\u00fc\u015f\u00fcnenlerin oran\u0131n\u0131n y\u00fczde 11 d\u00fczeyinden, 2017’de y\u00fczde 37’ye y\u00fckseldi\u011fi g\u00f6zleniyor.<\/p>\n Banka kartlar\u0131 \u00f6deme arac\u0131na d\u00f6n\u00fcyor<\/strong><\/p>\n Ara\u015ft\u0131rmaya g\u00f6re, ATM kart\u0131 ya da maa\u015f kart\u0131 olarak bilinen banka kartlar\u0131, bu yerle\u015fik alg\u0131lar\u0131n\u0131 yitiriyor. Bu kartlar birer \u00f6deme arac\u0131 olarak daha fazla tercih ediliyor. Bir banka kart\u0131na sahip oldu\u011funu ve onu kulland\u0131\u011f\u0131n\u0131 s\u00f6yleyenlerin oran\u0131 y\u00fczde 58 olarak \u00f6l\u00e7\u00fcl\u00fcrken, bu kesimin y\u00fczde 19’u banka kart\u0131n\u0131 al\u0131\u015fveri\u015f ama\u00e7l\u0131 kullan\u0131yor.<\/p>\n Banka kart\u0131n\u0131 al\u0131\u015fveri\u015flerinde kullanmayanlar\u0131n gerek\u00e7elerinde, kredi kart\u0131n\u0131n taksit ve puan gibi avantajlar\u0131 g\u00f6ze \u00e7arp\u0131yor. “Kredi kart\u0131yla taksit kullanarak \u00f6deme yapmay\u0131 tercih ediyorum” diyenlerin oran\u0131 2015’te y\u00fczde 6 iken 2017’de y\u00fczde 26’ya y\u00fckseldi.<\/p>\n Temass\u0131z \u00f6demede memnuniyet art\u0131yor<\/strong><\/p>\n Kart kabul eden i\u015f yerlerine soruldu\u011funda, kredi kart\u0131 ya da banka kart\u0131yla sat\u0131\u015f yapmalar\u0131ndaki en \u00f6nemli gerek\u00e7enin m\u00fc\u015fteri memnuniyeti sa\u011flamak oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Kart kabul eden i\u015f yerlerinin y\u00fczde 44’\u00fc m\u00fc\u015fteri memnuniyetini en \u00f6nemli gerek\u00e7e olarak g\u00f6sterirken, y\u00fczde 14’\u00fc kredi ve banka kartlar\u0131n\u0131n pratik ve h\u0131zl\u0131 bir \u00f6deme y\u00f6ntemi olmas\u0131n\u0131 \u00f6n plana \u00e7\u0131kar\u0131yor.<\/p>\n Kart kabul etmeyen i\u015f yerleri ise, kart kabul etmeleri durumunda g\u00f6recekleri en \u00f6nemli faydan\u0131n m\u00fc\u015fteri say\u0131lar\u0131n\u0131n artmas\u0131 oldu\u011funu belirtiyor.<\/p>\n Ara\u015ft\u0131rmaya g\u00f6re, mikro \u00f6demelerde kredi kart\u0131 \u015fifresi girme gereklili\u011fini ortadan kald\u0131ran, kart\u0131 elden \u00e7\u0131kmadan saniyeler i\u00e7erisinde \u00f6deme yapmay\u0131 sa\u011flayan “Temass\u0131z \u00d6deme” teknolojisinin kullan\u0131m\u0131 da giderek art\u0131yor.<\/p>\n Son iki y\u0131lda temass\u0131z kullanan kart sahiplerinin oran\u0131 yakla\u015f\u0131k 3 kat\u0131na \u00e7\u0131karken, temass\u0131z \u00f6demeden memnun kalanlar\u0131n oran\u0131n\u0131n da y\u00fczde 64’ten y\u00fczde 77’ye y\u00fckseldi\u011fi g\u00f6zleniyor.<\/p>\n \u0130nternette en \u00e7ok giyim ve aksesuar al\u0131\u015fveri\u015fi yap\u0131yoruz<\/strong><\/p>\n Ara\u015ft\u0131rmaya g\u00f6re POS cihazlar\u0131, e-ticaret siteleri ve cep telefonu uygulamas\u0131 gibi \u00f6deme y\u00f6ntemi olarak kartlar\u0131n kullan\u0131m alanlar\u0131n\u0131n say\u0131s\u0131, geli\u015fen teknoloji ve de\u011fi\u015fen m\u00fc\u015fteri talepleriyle her ge\u00e7en g\u00fcn art\u0131yor.<\/p>\n “Gelecekte \u00f6demenizi hangi ara\u00e7la yapmak istersiniz?” sorusuna 2015’te “cep telefonu” yan\u0131t\u0131n\u0131 verenlerin oran\u0131 y\u00fczde 42 iken, bu oran ge\u00e7en y\u0131l itibariyle y\u00fczde 67’ye y\u00fckseldi.<\/p>\n 2015’te kredi kart\u0131 kullan\u0131c\u0131lar\u0131 aras\u0131nda internetten al\u0131\u015fveri\u015f yapma s\u0131kl\u0131\u011f\u0131 ayda ortalama 1,5 d\u00fczeyindeydi. Ge\u00e7en y\u0131l bu oran y\u00fczde 2,1’e ula\u015ft\u0131. Rakamlar internetten al\u0131\u015fveri\u015f yapma al\u0131\u015fkanl\u0131\u011f\u0131n\u0131n ne kadar b\u00fcy\u00fck bir h\u0131zla artt\u0131\u011f\u0131n\u0131 ortaya koyuyor.<\/p>\n Kredi kart\u0131 sahiplerinin y\u00fczde 32’si internetten giyim ve aksesuar \u00fcr\u00fcnlerini sat\u0131n ald\u0131klar\u0131n\u0131 belirtiyor. Bu kategorileri y\u00fczde 14 ile yemek sipari\u015fi, y\u00fczde 10 ile market, elektronik ve g\u0131da, y\u00fczde 8 ile havayolu\/seyahat harcamalar\u0131 takip ediyor.<\/p>\n “T\u00fcrkiye \u00f6deme teknolojilerinde d\u00fcnyaya ilham vermeyi s\u00fcrd\u00fcrecek”<\/strong><\/p>\n A\u00e7\u0131klamada g\u00f6r\u00fc\u015flerine yer verilen BKM Genel M\u00fcd\u00fcr\u00fc Soner Canko, \u00f6deme teknolojilerinin, t\u00fcm d\u00fcnyay\u0131 etkisi alt\u0131na alan dijital d\u00f6n\u00fc\u015f\u00fcm \u00e7a\u011f\u0131na en h\u0131zl\u0131 uyum sa\u011flayan sekt\u00f6rlerin ba\u015f\u0131nda geldi\u011fini belirtti.<\/p>\n 2008’den bu yana yay\u0131mlad\u0131klar\u0131 Kart Monit\u00f6r Ara\u015ft\u0131rmas\u0131’n\u0131n ilk g\u00fcnden bug\u00fcne incelendi\u011finde \u00e7ok \u00e7arp\u0131c\u0131 bir ger\u00e7e\u011fi ortaya koydu\u011funu ifade eden Canko, \u015funlar\u0131 kaydetti:<\/p>\n “\u00dclkemizde her y\u0131l \u00f6demelerde nakit kullan\u0131m oran\u0131 d\u00fc\u015ferken ba\u015fta kredi kart\u0131 olmak \u00fczere yenilik\u00e7i \u00f6deme y\u00f6ntemlerinin kullan\u0131m oran\u0131 h\u0131zla art\u0131yor. Bu sonu\u00e7lar bize g\u00f6steriyor ki \u00f6demelerin dijital d\u00f6n\u00fc\u015f\u00fcm\u00fc ve bunun nihai sonucu olan ‘nakitsiz \u00f6demeler toplumu’ bir\u00e7ok \u00fclke i\u00e7in hen\u00fcz hayalken, \u00fclkemiz i\u00e7in art\u0131k sa\u011flam bir ekosistemin destekledi\u011fi, ula\u015f\u0131labilir ve somut bir hedef haline gelmi\u015f durumda. Ara\u015ft\u0131rman\u0131n da ortaya koydu\u011fu \u00fczere, T\u00fcrkiye’nin bu geli\u015fmelerle y\u00f6n verdi\u011fi \u00f6deme sistemlerinin dijital d\u00f6n\u00fc\u015f\u00fcm s\u00fcreci 2018’de de devam edecek ve T\u00fcrkiye \u00f6deme teknolojilerinde d\u00fcnyaya ilham vermeyi s\u00fcrd\u00fcrecek.”<\/p>\n Kaynak: AA<\/p>\n","protected":false},"excerpt":{"rendered":" Bankalararas\u0131 Kart Merkezi’nin (BKM) Kart Monit\u00f6r Ara\u015ft\u0131rmas\u0131’na g\u00f6re, her 10 ki\u015fiden 7’si \u00f6deme arac\u0131 olarak kredi kart\u0131 kullanmay\u0131 tercih ediyor.<\/p>\n","protected":false},"author":1000097,"featured_media":2895,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"_links":{"self":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/2894"}],"collection":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1000097"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=2894"}],"version-history":[{"count":0,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/2894\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/media\/2895"}],"wp:attachment":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=2894"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=2894"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=2894"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}