D\u00fcnya genelinde 15 \u00fclkede cep telefonu sahibi toplam 607 milyon ki\u015finin banka hesab\u0131 bulunmuyor. Bu ki\u015filer finansal kat\u0131l\u0131m\u0131 olmayan toplam n\u00fcfusun y\u00fczde 60\u2019\u0131n\u0131 te\u015fkil ediyor. Bu endekse g\u00f6re, \u00f6zellikle Hindistan ve \u00c7in\u2019de cep telefonu sahipli\u011finin banka hesab\u0131 sahipli\u011finden olduk\u00e7a fazla oldu\u011fu g\u00f6r\u00fcl\u00fcyor. T\u00fcrkiye bu endekste 10. s\u0131rada yer al\u0131yor. Sonuca g\u00f6re, T\u00fcrkiye\u2019de banka hesab\u0131 ve mobil cihaz sahipli\u011fi benzer oranlarda g\u00f6r\u00fcl\u00fcyor.<\/p>\n
Bir \u00f6deme platformunun \u201cEri\u015fim D\u00fc\u011f\u00fcm\u00fcn\u00fc \u00c7\u00f6zmek\u201d ad\u0131yla yapt\u0131\u011f\u0131 ara\u015ft\u0131rma dikkat \u00e7eken sonu\u00e7lar verdi. Finansal sisteme kat\u0131l\u0131m\u0131n\u0131n art\u0131raca\u011f\u0131n\u0131n bildirildi\u011fi ara\u015ft\u0131rmada, banka hesab\u0131 olmayan ancak finansal hizmetlere mobil ara\u00e7larla eri\u015febilecek ki\u015filerin sisteme kat\u0131l\u0131m\u0131n\u0131n kritik rol oynad\u0131\u011f\u0131 belirtildi.<\/p>\n
Raporda yer alan \u201cStratejik Eri\u015fim Endeksi\u201dne g\u00f6re, d\u00fcnya genelinde 15 \u00fclkede cep telefonu sahibi toplam 607 milyon ki\u015finin banka hesab\u0131 bulunmuyor. Bu ki\u015filer finansal kat\u0131l\u0131m\u0131 olmayan toplam n\u00fcfusun y\u00fczde 60\u2019\u0131n\u0131 te\u015fkil ediyor. Bu endekse g\u00f6re, \u00f6zellikle Hindistan ve \u00c7in\u2019de cep telefonu sahipli\u011finin banka hesab\u0131 sahipli\u011finden olduk\u00e7a fazla oldu\u011fu g\u00f6r\u00fcl\u00fcyor. T\u00fcrkiye bu endekste 10. s\u0131rada yer al\u0131yor. Sonuca g\u00f6re, T\u00fcrkiye\u2019de banka hesab\u0131 ve mobil cihaz sahipli\u011fi benzer oranlarda g\u00f6r\u00fcl\u00fcyor.<\/p>\n
Banka hesab\u0131 ya da mobil para hesab\u0131 olan ki\u015filerin y\u00fczde 20\u2019si son bir y\u0131ld\u0131r bu hesaplar\u0131n\u0131 kullanm\u0131yorlar<\/p>\n
Ara\u015ft\u0131rma ile finansal eri\u015fimin sa\u011flanmas\u0131n\u0131n tek ba\u015f\u0131na yeterli olmad\u0131\u011f\u0131n\u0131 vurgulayan bahsi ge\u00e7en platform, eri\u015fimi olan ki\u015filerin finansal ara\u00e7lar\u0131 pratik \u015fekilde kullanabilmesinin \u00f6nemli oldu\u011funun alt\u0131n\u0131 \u00e7izdi. Ara\u015ft\u0131rma sonu\u00e7lar\u0131na g\u00f6re d\u00fcnya genelinde banka hesab\u0131 ya da mobil para hesab\u0131 olan ki\u015filerin y\u00fczde 20\u2019si son bir y\u0131ld\u0131r bu hesaplar\u0131n\u0131 kullanm\u0131yorlar. Kay\u0131t d\u0131\u015f\u0131 sistemde birikimin ise 4.2 trilyon dolar seviyesinde oldu\u011fu tahmin ediliyor. Buna kar\u015f\u0131l\u0131k kay\u0131t d\u0131\u015f\u0131 i\u015flem ger\u00e7ekle\u015ftirmek zorunda kalan ki\u015filer hi\u00e7bir yasal g\u00fcvenceleri olmad\u0131\u011f\u0131 i\u00e7in finansal riskle kar\u015f\u0131 kar\u015f\u0131ya geliyor ve resmi finansal sistemin sundu\u011fu bir \u00fcr\u00fcn i\u00e7in resmi finansal kanallara oranla 4 kat daha fazla \u00f6deme yap\u0131l\u0131yor.<\/p>\n
Ara\u015ft\u0131rma sonu\u00e7lar\u0131nda di\u011fer bir \u00f6nemli nokta ise mobil ve dijital finansal hizmetlerin kullan\u0131m\u0131nda dahi cinsiyet ayr\u0131m\u0131n\u0131n s\u00f6z konusu oldu\u011fu. Geli\u015fmekte olan \u00fclkelerde, erkeklerin banka hesab\u0131 sahipli\u011fi kad\u0131nlar\u0131nkinden y\u00fczde 8 daha y\u00fcksek ve erkekler kad\u0131nlardan y\u00fczde 20 daha fazla dijital \u00f6deme yap\u0131yor.<\/p>\n
Bu tablo kar\u015f\u0131s\u0131nda yay\u0131nlanan raporda finansal kurulu\u015flar\u0131n \u00fcst\u00fcne d\u00fc\u015fen sorumluluklar\u0131n alt\u0131n\u0131 \u00e7iziyor. D\u00fcnya genelinde 5 hesap sahibinden biri banka hesab\u0131n\u0131 kullanm\u0131yor. Daha geni\u015f kitleleri finansal sisteme dahil etmek ve haz\u0131r banka hesab\u0131 bulunan ki\u015filerin daha \u00e7ok kullanmalar\u0131n\u0131 sa\u011flamak i\u00e7in, finansal kurulu\u015flar\u0131n d\u00fc\u015f\u00fck maliyetli, kolay anla\u015f\u0131l\u0131r, k\u00fclt\u00fcrel farkl\u0131l\u0131klar\u0131 ve beklentileri dikkate alan hizmetler sunmalar\u0131 gerekiyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00dcRK\u0130YE\u2019DE BANKA HESABI VE MOB\u0130L C\u0130HAZ SAH\u0130PL\u0130\u011e\u0130 BENZER ORANLARDA<\/p>\n","protected":false},"author":1,"featured_media":133839,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[19],"tags":[1208,18611,10588,29522,2183,30866,3797,2383],"class_list":["post-133838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-benzer","tag-cihaz","tag-hesabi","tag-mobil","tag-oranlarda","tag-sahipligi","tag-turkiyede"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/04\/turkiyede-banka-hesabi-ve-mobil-cihaz-sahipligi-benzer-oranlarda_c7143c1.jpg?fit=1000%2C666","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-yOG","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/133838","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=133838"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/133838\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/133839"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=133838"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=133838"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=133838"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}