Internet \u00fczerinde haberle\u015fme art\u0131k \u00f6yle bir noktaya vard\u0131 ki, ge\u00e7en y\u0131l olduk\u00e7a reva\u00e7ta olan di\u011fer ileti\u015fim ara\u00e7lar\u0131 ile Internet aras\u0131nda ara kap\u0131lar a\u00e7ma fikri bu y\u0131l gereksiz g\u00f6r\u00fclmeye ba\u015fland\u0131. Bunun anlam\u0131 \u015fu; art\u0131k Internet’ten ba\u015fka haberle\u015fme platformu \u00f6ng\u00f6r\u00fclm\u00fcyor. Uzmanlar birka\u00e7 y\u0131l i\u00e7inde Internet’in, g\u00fcndelik ya\u015fam\u0131m\u0131zda ger\u00e7ekle\u015ftirdi\u011fimiz faaliyetlerin y\u00fczde doksan\u0131n\u0131n \u00fczerinde yap\u0131laca\u011f\u0131 bir platform olaca\u011f\u0131n\u0131 s\u00f6yl\u00fcyorlar. Bunu kabul etmemek eldeki verilerle ger\u00e7ekten imkans\u0131z. Internet’in bu h\u0131zl\u0131 y\u00fckseli\u015fine finans sekt\u00f6r\u00fc de kay\u0131ts\u0131z kalamad\u0131. Yeni a\u00e7\u0131lan bu mecradaki pastadan b\u00fcy\u00fck bir dilim alabilmek i\u00e7in en k\u0131sa yoldan en etkin \u015fekide bu platforma ge\u00e7mek gerekiyor.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcde Internet \u00fczerinde ne gibi f\u0131rt\u0131nalar kopmu\u015f oldu\u011funu g\u00f6rm\u00fc\u015f olmal\u0131larki, internet \u00fczerinden para yat\u0131rma i\u015flemi hari\u00e7 her t\u00fcrl\u00fc faaliyeti ger\u00e7ekle\u015ftirebilen sanal \u015fubeleri geciktirmediler. Internet’in teknolojinin en son noktas\u0131na kadar kullan\u0131ld\u0131\u011f\u0131 bir platform olmas\u0131 y\u00fcz\u00fcnden para i\u015flemlerinin g\u00fcvenlili\u011fi olduk\u00e7a \u00f6nemli bir hal al\u0131yor. Para transferleri s\u0131ras\u0131nda baz\u0131 hayati bilgilerin Internet \u00fczerinde bunu k\u00f6t\u00fc ama\u00e7larla kullanabilecek insanlar\u0131n eline ge\u00e7memesi, ge\u00e7erse bile kullanamayaca\u011f\u0131 \u015fekilde olmas\u0131 bu g\u00fcvenli\u011fin en \u00f6nemli kural\u0131. Bu ama\u00e7la para ak\u0131\u015f\u0131 s\u0131ras\u0131nda kullan\u0131lacak olan bu t\u00fcr bilgilerin belli mant\u0131klarla \u015fifrelenmesi gerekiyor.<\/p>\n
Internet \u00fczerinde bu olduk\u00e7a \u00f6nemli bilgilerin bulundu\u011fu paketler bu sayede g\u00fcvenle dola\u015fabiliyorlar. Bu paketleri \u015fifreleme metodlar\u0131 olduk\u00e7a de\u011fi\u015fik. Bunlar\u0131n en eskisi ve en verimsizi kullan\u0131c\u0131da bulunan bir anahtar ile \u015fifrelenen bilgilerin, bankadaki anahtar taraf\u0131ndan a\u00e7\u0131lmas\u0131. PGP denilen bu sistemi kullanacak her kullan\u0131c\u0131n\u0131n \u015fifreli paketlerini a\u00e7mak i\u00e7in bankada bir \u00e7ift \u00e7\u00f6z\u00fcc\u00fc anahtar bulunmas\u0131 gerekiyor.<\/p>\n
\u0130kinci y\u00f6ntem ise kullan\u0131c\u0131n\u0131n bilgilerini formun \u00fczerinden direkt olarak \u015fifreleyerek almak. Asl\u0131ndan bu sistem olduk\u00e7a g\u00fcvenli olmas\u0131na ra\u011fmen biraz verimsiz. \u00c7\u00fcnk\u00fc kullan\u0131c\u0131n\u0131n hayati bilgilerinin yan\u0131nda \u015fifrelenmesi son derece gereksiz baz\u0131 bilgiler de \u015fifreleniyor. Bunlarin arasinda isim ve soyad gibi olduk\u00e7a gereksiz bilgiler de var. Internet bankac\u0131l\u0131\u011f\u0131 \u015fu an g\u00fcvenlik sistemi olarak bunu kullan\u0131yor. Bu \u015fifreleme y\u00f6ntemi i\u00e7inde de baz\u0131 seviyeler var. Bu seviyeler i\u00e7inde en etkin olan\u0131 128 Bit’lik g\u00fcvenlik sistemi. Amerika bu teknolojinin \u00fclke d\u0131\u015f\u0131na \u00e7\u0131kmamas\u0131 i\u00e7in elinden geleni yap\u0131yor. Fakat ge\u00e7en sene haziran ay\u0131nda al\u0131nan bir kararla bu teknolojinin uluslaras\u0131 hizmet veren bankalara da da\u011f\u0131t\u0131labilece\u011fi karar\u0131 al\u0131nd\u0131. Bunun i\u00e7in yerinde tespit yap\u0131yorlar . 128 Bit g\u00fcvenlik i\u00e7in ba\u015fvurdu\u011funuzda Amerikadan banka oldu\u011funuzu kontrol etmek i\u00e7in iki memur gelim sistemlerinizi kontrol ediyorlar. Bu kontroller yap\u0131lmas\u0131n\u0131n en yayg\u0131n sebebi g\u00fcvenli\u011fin, yanl\u0131\u015f bir kullan\u0131m oldu\u011funda \u00e7\u00f6z\u00fclemeyecek kadar g\u00fc\u00e7l\u00fc olmas\u0131. Y\u0131llar \u00f6nce sava\u015flarda devlet bilgilerinin d\u00fc\u015fmana ula\u015fmamas\u0131 i\u00e7in kullan\u0131lan \u015fifreleme metodlar\u0131 geli\u015ftirilerek bankalarda para transferi i\u00e7in kullan\u0131laca\u011f\u0131n\u0131 hatta bunun Internet \u00fczerinden da\u011f\u0131t\u0131laca\u011f\u0131n\u0131 kim tahmin edebilirdi ki?<\/p>\n
Internet bankac\u0131l\u0131\u011f\u0131n\u0131n ikinci \u00f6nemli dayana\u011f\u0131 ise, verdi\u011fi hizmete endeksli. Bu noktada bir Internet bankas\u0131n\u0131n hizmetini \u00fc\u00e7 seviyede toplamak m\u00fcmk\u00fcn.<\/p>\n
\u00b7 Sadece bilgi veren sistemler
\nGenel bilgi amac\u0131yla yap\u0131lm\u0131\u015f bu sistemler g\u00fcvenlik bile gerektirmezler. Internet bankac\u0131l\u0131\u011fn\u0131n en premat\u00fcre hali say\u0131l\u0131r. Ama\u00e7 bilgiyi en geni\u015f kitleye (b\u00fct\u00fcn internet kullan\u0131c\u0131lar\u0131na) ula\u015ft\u0131rmakt\u0131r.<\/p>\n
\u00b7 Elektronik bilgi transfer sistemleri
\nBu sistemler interaktif bankac\u0131l\u0131k i\u00e7inde yeral\u0131r. Ama\u00e7 kullan\u0131c\u0131n\u0131n ihtiyac\u0131na y\u00f6nelik, \u00f6zel mesajlar iletmektir. Buradaki mesaj kavram\u0131n\u0131n i\u00e7ine otomatik olu\u015fturulan, ki\u015fiye \u00f6zel e-postalar da girmektedir. Mesaj listeleri ve bilgiyi ihtiyaca g\u00f6re kullan\u0131c\u0131s\u0131na ula\u015ft\u0131ran her\u015fey bu yap\u0131n\u0131n bir par\u00e7as\u0131d\u0131r.<\/p>\n
\u00b7 Bilgiyi tam transfer eden sistemler
\nFiziksel i\u015flemler hari\u00e7 her t\u00fcrl\u00fc yap\u0131y\u0131 bankac\u0131l\u0131k sistemi i\u00e7ine eklemi\u015f yap\u0131lard\u0131r. T\u00fcrkiye’de Internet bankac\u0131l\u0131\u011f\u0131 yapan b\u00fct\u00fcn kurumlar neredeyse bu son yakla\u015f\u0131m\u0131n i\u00e7indedirler.<\/p>\n
Internet bankac\u0131l\u0131\u011f\u0131n\u0131 inceleyebilmek i\u00e7in devaml\u0131 de\u011fi\u015fen ve her ge\u00e7en g\u00fcn farkl\u0131 teknolojileri i\u00e7ine alan bu sekt\u00f6r\u00fc yak\u0131ndan tan\u0131mak gerekir. Yandaki kutuda bu konuyla ilgili uzun zamand\u0131r toplanm\u0131\u015f linkleri bulacaks\u0131n\u0131z.<\/p>\n
[kutu]<\/p>\n
http:\/\/www.aba.com American Bankers Association (ABA)<\/p>\n
http:\/\/www.bai.org Bank Administration Institute (BAI)<\/p>\n
http:\/\/www.wimsey.com\/~emandel\/BankCD.html Bank CD Rate Scanner<\/p>\n
http:\/\/www.bmanet.org Bank Marketing Association (BMA)<\/p>\n
http:\/\/www.census.gov\/ftp\/pub\/hhes\/www Census Bureau<\/p>\n
http:\/\/thomas.loc.gov\/ Congressional legislative information<\/p>\n
http:\/\/www.comsumerworld.org Consumer World<\/p>\n
Haber Kaynaklar\u0131:<\/p>\n
http:\/\/www.adage.com Advertising Age<\/p>\n
http:\/\/www.americanbanker.com American Banker<\/p>\n
http:\/\/www.bankrate.com Bank Rate Monitor<\/p>\n
http:\/\/www.barrons.com Barrons<\/p>\n
http:\/\/www.businessweek.com Business Week<\/p>\n
http:\/\/www.economist.com The Economist<\/p>\n
http:\/\/www.forbes.com Forbes Magazine<\/p>\n
http:\/\/www.pathfinder.com\/fortune Fortune 500 Online<\/p>\n
http:\/\/www.investors.com Investors Business Daily<\/p>\n
http:\/\/www.kiplinger.com Kiplinger Online<\/p>\n
http:\/\/www.pathfinder.com\/money Money Magazine<\/p>\n
http:\/\/www.newsweek-int.com Newsweek International<\/p>\n
http:\/\/www.nytimes.com New York Times<\/p>\n
http:\/\/www.sfgate.com San Francisco Chronicle\/Examiner ‘The Gate’<\/p>\n
http:\/\/pathfinder.com Time Warner<\/p>\n
http:\/\/www.usatoday.com USA Today<\/p>\n
http:\/\/www.usnews.com US News & World Report<\/p>\n
http:\/\/www.wsj.com Wall Street Journal<\/p>\n
http:\/\/www.washingtonpost.com Washington Post<\/p>\n
Internet Bankac\u0131l\u0131\u011f\u0131 hakk\u0131nda kaynaklar:<\/p>\n
http:\/\/kiwiclub.bus.utexas.edu\/banks.html D\u00fcnya bankalar\u0131<\/p>\n
http:\/\/www.bankweb.com\/bankweb.html BankWeb<\/p>\n
http:\/\/www.Bank-source.com Bank Source.com<\/p>\n
http:\/\/www.netbanker.com\/resources\/fullserv.html NETBanker – true internet banks<\/p>\n
http:\/\/www.omega-performance.com\/hotlist.html Omega Performance<\/p>\n
http:\/\/www.orcc.com\/banking.htm “Online Resources & Communications”<\/p>\n
http:\/\/www.qualisteam.com\/aconf.html Qualisteam<\/p>\n
http:\/\/www.aaadir.com D\u00fcnya Bankalari<\/p>\n
Kredi Kart\u0131 ve \u00f6zel kart merkezleri:<\/p>\n
http:\/\/www.americanexpress.com American Express<\/p>\n
http:\/\/www.discovercard.com Discover Card<\/p>\n
http:\/\/www.mastercard.com MasterCard<\/p>\n
http:\/\/www.smartcrd.com Smart Card Form alanlar\u0131<\/p>\n
http:\/\/www.smart-card.com Smart Card<\/p>\n
http:\/\/www.visa.com VISA<\/p>\n
Ara\u015ft\u0131rma ve dan\u0131\u015fmanl\u0131k kaynaklar\u0131:<\/p>\n
http:\/\/www.ac.com Andersen Consulting<\/p>\n
http:\/\/www.arthurandersen.com Arthur Andersen Worldwide<\/p>\n
http:\/\/www.bah.com Booz Allen & Hamilton<\/p>\n
http:\/\/www.cinfo.com\/home.htm Columbia Information Systems<\/p>\n
http:\/\/www.colybrand.com Coopers & Lybrand US<\/p>\n
http:\/\/www.dttus.com Deloitte & Touche<\/p>\n
http:\/\/www.edgardunn.com Edgar, Dunn & Company<\/p>\n
http:\/\/www.ey.com Ernst & Young<\/p>\n
http:\/\/www.forrester.com Forrester Research<\/p>\n
http:\/\/www.gallup.com Gallup Organization<\/p>\n
http:\/\/www.us.kpmg.com KPMG Peat Marwick<\/p>\n
http:\/\/www.nielsen.com Nielsen Company, AC<\/p>\n
Amerika’daki di\u011fer finans bilgi kaynaklar\u0131:<\/p>\n
http:\/\/www.sec.gov<\/p>\n
http:\/\/www.sba.gov<\/p>\n
http:\/\/www.ssa.gov\/<\/p>\n
http:\/\/www.law.cornell.edu\/ucc\/ucc.table.html<\/p>\n