{"id":13416,"date":"2016-08-05T13:38:24","date_gmt":"2016-08-05T13:38:24","guid":{"rendered":"http:\/\/atif.unaldi.org\/blog\/?p=13416"},"modified":"2016-08-05T13:38:24","modified_gmt":"2016-08-05T13:38:24","slug":"bankalarin-dijital-donusum-karnesi","status":"publish","type":"post","link":"https:\/\/atif.unaldi.org\/blog\/2016\/08\/05\/bankalarin-dijital-donusum-karnesi\/","title":{"rendered":"Bankalar\u0131n Dijital D\u00f6n\u00fc\u015f\u00fcm Karnesi"},"content":{"rendered":"<p>Ge\u00e7en uzun bayram d\u00f6neminde, bir dostumun cep telefonu kayboldu. Haliyle yeni bir telefon ve SIM kart ald\u0131. Birka\u00e7 g\u00fcn sonra g\u00f6rd\u00fc\u011f\u00fcmde s\u0131k\u0131nt\u0131l\u0131oldu\u011funu farkettim. SIM kartla birlikte b\u00fct\u00fcn\u00a0<span class=\"il\">bankalar<\/span>\u0131n sistemlerine eri\u015fiminde sorun olu\u015fmu\u015f. B\u00fct\u00fcn bankalara teker teker SIM kart\u0131m\u0131n de\u011fi\u015fti\u011fi bilgisini yollamam gerekiyor. Yetmiyor bir \u015fubesine gidip imza atmam gerekiyor dedi. Peki i\u015flemleri daha k\u0131saltan bir\u00a0<span class=\"il\">banka<\/span>\u00a0var m\u0131 dedim? Evet dedi, sadece bir\u00a0<span class=\"il\">banka<\/span>&#8230;. Ben de\u00a0<span class=\"il\">bankalar<\/span>\u0131n dijital taraflar\u0131n\u0131 incelemeye karar verdim.<br \/>\nDijital ve mobil\u00a0<span class=\"il\">bankalar<\/span>\u00a0o kadar yo\u011fun kullan\u0131l\u0131yor ki; eminim \u00e7o\u011funuz ne demek istedi\u011fimi anlayacakt\u0131r. Hani genel bir s\u00f6ylem vard\u0131r, &#8216;ya\u011fmursuz havada \u015femsiye da\u011f\u0131tan ve ya\u011fmur ya\u011fd\u0131\u011f\u0131nda gelip alana\u00a0<span class=\"il\">banka<\/span>\u00a0denir&#8217; diye. Bu yaz\u0131n\u0131n as\u0131l amac\u0131 dijital d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fc tamamlay\u0131p oda\u011f\u0131na m\u00fc\u015fterisini alan ve ya\u011fmur ya\u011fd\u0131\u011f\u0131nda ortadan kaybolmayan bir\u00a0<span class=\"il\">banka<\/span>\u00a0var m\u0131 anlamak.<br \/>\nHerkesin bir an\u0131s\u0131 vard\u0131r ya, ben de bundan 4-5 ay \u00f6nce Ankara&#8217;da c\u00fczdan\u0131m\u0131 d\u00fc\u015f\u00fcrd\u00fcm. \u0130\u00e7inde kredi kartlar\u0131m da vard\u0131. D\u00fc\u015f\u00fcrd\u00fcm diyorum zira nerede ne oldu\u011funu bilmedi\u011fim halde onun bana geri d\u00f6nece\u011fine \u00e7ok inan\u0131yordum. Kredi kartlar\u0131m\u0131 ge\u00e7ici bir s\u00fcre i\u00e7in kapatmak istedim. Biri haricinde hi\u00e7birinde bu \u00f6zelli\u011fin olmad\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fcm.<br \/>\nO zaman gelin birlikte bankalara \u015f\u00f6yle bir bakal\u0131m.<\/p>\n<h5>Garanti\u00a0<span class=\"il\">Bankas\u0131<\/span><\/h5>\n<p>Alt\u0131n \u00d6r\u00fcmcek&#8217;in ilk y\u0131l\u0131nda web sitesine \u00f6d\u00fcl vermi\u015ftik. \u0130kinci sene yine \u00f6d\u00fcl\u00fc Garanti B<span class=\"il\">ankas\u0131\u00a0<\/span>ald\u0131. Bunu y\u0131llar \u00f6nce Sabah Kitaplar\u0131 projesini de birlikte yapt\u0131\u011f\u0131m\u0131z ve Ali Fuat Erbil&#8217;in de i\u00e7inde bulundu\u011fu yenilik\u00e7i eticaret ekibinin ba\u015far\u0131s\u0131 olarak alg\u0131lam\u0131\u015ft\u0131m. Hatta kay\u0131tlar\u0131 a\u00e7\u0131p bakarlarsa o y\u0131l muhalefet \u015ferhi koyarak &#8216;Garanti gelecek y\u0131l da bu site ile gelirse oyumu vermeyece\u011fim dedim&#8217;. Garanti uzun y\u0131llar o site ile yar\u0131\u015fmaya kat\u0131ld\u0131. Ben de s\u00f6z\u00fcm\u00fc tutup bir s\u00fcre oyumu ona vermedim. Sitede flash ile a\u00e7\u0131lan bir k\u0131s\u0131m vard\u0131 ve benim gibi mobil kullanan \u00fc\u00e7, be\u015f ki\u015fi i\u00e7in sorun oluyordu. Sonra onu kald\u0131rd\u0131lar. Ama genel yakla\u015f\u0131m ve butonlar\u0131n yeri olarak\u00a0\u00a0ilk Alt\u0131n \u00d6r\u00fcmce\u011fi kazanan site ile \u015fu anki sitenin \u00e7ok benzer oldu\u011funu s\u00f6ylemeliyim. San\u0131yorum son Alt\u0131n \u00d6r\u00fcmcek&#8217;de de \u00e7o\u011fu \u00f6d\u00fcl\u00fc Garanti kapt\u0131. Sitede hala eksikler oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum ama genel g\u00f6r\u00fc\u015f ba\u015far\u0131l\u0131 olduklar\u0131 yolunda.<br \/>\nMobil uygulamas\u0131nda ise ilk \u00e7\u0131kt\u0131\u011f\u0131ndan bu yana san\u0131yorum bir\u00e7ok taraf\u0131 de\u011fi\u015fti. Son birka\u00e7 y\u0131ld\u0131r, ciddi yenilikler ve tasar\u0131m anlam\u0131nda ciddi iyile\u015ftirmeler g\u00f6r\u00fcyorum. Ula\u015f\u0131m\u0131 kolay ve geleneksel\u00a0<span class=\"il\">bankac\u0131l\u0131k<\/span>uygulamalar\u0131 a\u00e7\u0131s\u0131ndan son derece ba\u015far\u0131l\u0131. Garanti&#8217;nin iki farkl\u0131 uygulamas\u0131 da var. Birisi iGaranti. Daha ilk tasar\u0131m\u0131 ile birlikte beta testini yapt\u0131\u011f\u0131m ve be\u011fendi\u011fim bir uygulama. Ayr\u0131ca kart y\u00f6netimi ile iligli bir BonusFla\u015f uygulamas\u0131 var. Ba\u011flanmas\u0131 pek kolay de\u011fil. Uzun s\u00fcreli kullan\u0131mlarda da bence \u00e7ok iyi de\u011fil ama kredi kart\u0131 kontrol\u00fc hi\u00e7 fena de\u011fil.<\/p>\n<h5>Yap\u0131 Kredi\u00a0<span class=\"il\">Bankas\u0131<\/span><\/h5>\n<p>Yap\u0131 Kredi\u00a0<span class=\"il\">Bankas\u0131<\/span>, y\u0131llar \u00f6nce superonline ile ayn\u0131 grupta olman\u0131n avantaj\u0131n\u0131 kullanamad\u0131. E-ticarete \u00e7ok ge\u00e7 girdi. Ondan sonra da hep &#8216;follower&#8217; olarak konumlad\u0131 kendini. Hat\u0131rl\u0131yorum bir eticaret projemde Yap\u0131 Kredi vpos ba\u011flant\u0131s\u0131 i\u00e7in 15 g\u00fcn vpos yetkilisinin tatilden d\u00f6nmesini beklemi\u015ftim. Dijitali bir t\u00fcrl\u00fc i\u00e7ine sindiremedi. Ara ara bu oratama d\u00f6nmeye ve h\u0131zl\u0131 bir giri\u015f yapmaya \u00e7al\u0131\u015ft\u0131. \u0130lk yapt\u0131\u011f\u0131 sitesinde leylekler u\u00e7urmak olmu\u015ftu. Son d\u00f6nemde ise bilgisayar merakl\u0131lar\u0131 aras\u0131nda bir trend olan ama sokakta bir anlam\u0131 bulunmayan arama motoru sitili bir web sitesine giri\u015ftiler.<br \/>\nBen Yap\u0131 Kredi vesilesiyle b\u00fct\u00fcn bankalara s\u00f6yl\u00fcyorum, insan makine ileti\u015fiminin do\u011fal nsna s\u00fcre\u00e7lerine eri\u015fmesi i\u00e7in makinelerin \u00f6\u011frenmesi gereken daha \u00e7ok \u015fey var. Buraya ula\u015fmak i\u00e7in yapay zeka servislerinin daha \u00e7ok veri toplamas ve \u00f6\u011frenmesi laz\u0131m.<br \/>\nYap\u0131 Kredi&#8217;nin mobil uygulamas\u0131na gelince. G\u00fcvenlikten k\u0131sarak kolay kullan\u0131ma y\u00fcklenmi\u015fler. H\u0131zl\u0131 ve kolay kullan\u0131lan bir aray\u00fcz\u00fc var. Bu da kullanan\u0131 \u00e7ok mutlu ediyor. Ancak mobil uygulamadan yap\u0131lan i\u015flemlerin say\u0131s\u0131n\u0131n az oldu\u011funu g\u00f6rd\u00fcm. Bunun artt\u0131r\u0131lmas\u0131 gerekiyor diye d\u00fc\u015f\u00fcn\u00fcyorum.<\/p>\n<h5>\u0130\u015f B<span class=\"il\">ankas\u0131<\/span><\/h5>\n<p>Son d\u00f6nemde h\u0131zl\u0131 y\u00fckselen bir dijitali oldu\u011funu s\u00f6ylemek laz\u0131m. \u00d6zellikle anl\u0131k promosyonlar\u0131 dikkat \u00e7ekici. Al\u0131\u015fveri\u015finizi yaparken bir SMS ile size bir teklif geliyor. Buna ba\u015fka bankada rastlad\u0131\u011f\u0131m\u0131 sanm\u0131yorum. Yap\u0131lan harcamay\u0131 bir sonraki ekstreye atmak gibi konularda olduk\u00e7a iyi \u00e7al\u0131\u015f\u0131yor. Web sitesi bana \u00e7ok kurumsal geliyor. Sanki bireyseli hi\u00e7 d\u00fc\u015f\u00fcnmemi\u015fler. E\u011flenceli hi\u00e7bir \u015fey yok.<br \/>\nMobil uygulamas\u0131na gelince&#8230; \u00d6ncelikle \u0130\u015f B<span class=\"il\">ankas\u0131&#8217;<\/span>n\u0131n b\u00fcy\u00fck \u0130 harfi ile ba\u015flamas\u0131 uygulamalar\u0131 arama k\u0131sm\u0131ndan \u00e7a\u011f\u0131ranlar i\u00e7in \u00f6zellikle android cihazlarda sorun oluyor. Asl\u0131nda ba<span class=\"il\">nkalar\u0131n<\/span>\u00a0b\u00fcy\u00fck \u00e7o\u011funlu\u011fu uygulamalar\u0131na bu \u015fekilde eri\u015filebilece\u011fini hesaba katmam\u0131\u015f gibi geliyor. Aramadan uygulamaya eri\u015fmek m\u00fcmk\u00fcn de\u011fil. \u0130\u015f bankas\u0131n\u0131n uygulamas\u0131nda en sevdi\u011fim \u00f6zellik giri\u015f ekran\u0131n\u0131 h\u0131zland\u0131ran parmak izi okuyucuydu. San\u0131yorum ki\u015fisel bilgilerin korunmas\u0131 yasas\u0131 nedeniyle bunu uygulamadan kald\u0131rmak zorunda kald\u0131lar. Umar\u0131m mevzuat\u0131m\u0131z bu kolay kullan\u0131mlar\u0131 artt\u0131racak \u015fekilde yeniden d\u00fczenlenir.<br \/>\n\u0130\u015f Bankas\u0131n\u0131n uygulamas\u0131nda yeteri kadar fonksiyon olmad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum. Kredi kart\u0131 taraf\u0131nda o anda hesab\u0131ma nakit avans aktarma i\u015flmini bile bulamad\u0131m. Ancak \u0130\u015f Ba<span class=\"il\">nkas\u0131&#8217;n<\/span>\u0131n \u00f6zellikle u\u00e7ak bileti alma yap\u0131s\u0131 \u00e7ok g\u00fczel \u00e7al\u0131\u015f\u0131yor. Hi\u00e7 problem ya\u015fam\u0131yorsunuz. Puanlar garip bilet fiyat\u0131 art\u0131\u015flar\u0131 anlams\u0131z i\u015flemler yok. \u015e\u0131k\u0131r \u015f\u0131k\u0131r sonuca ula\u015f\u0131yorsunuz.<\/p>\n<h5>Akbank<\/h5>\n<p>Son d\u00f6nemde \u00f6zellikle kurumsal kimli\u011fini \u00e7ok g\u00fczel uyarlayan Akbank, ayn\u0131 zamanda reklamlara da \u00e7ok a\u011f\u0131r\u0131l\u0131k verdi. Web sitesini de bu noktada toparlad\u0131. \u00c7a\u011fr\u0131 merkezi en iyi \u00e7al\u0131\u015fan, en iyi otomotize edilmi\u015f\u00a0<span class=\"il\">banka<\/span>\u00a0oldu\u011funu s\u00f6ylemeliyim. Tasar\u0131m olarak flat yap\u0131y\u0131 Garanti\u00a0<span class=\"il\">bankas\u0131<\/span>\u00a0ile birlikte en iyi uygulayan\u00a0<span class=\"il\">banka<\/span>. Aray\u00fcz\u00fc kolay, h\u0131zl\u0131ca kullan\u0131ma ge\u00e7ebiliyorsunuz. Ancak mobil uygulamas\u0131nda i\u015flem miktar\u0131 pek de fazla de\u011fil. Bunu en k\u0131sa zamanda artt\u0131rmal\u0131lar.<\/p>\n<h5>Di\u011fer\u00a0<span class=\"il\">bankalar<\/span><\/h5>\n<p>\u00d6zellikle internetten hizmet veren \u015fubesiz\u00a0<span class=\"il\">bankalar<\/span>\u0131n uygulamalar\u0131nda kendinizii hi\u00e7 \u00f6zel hissetmiyorsunuz.\u0130nternet kullan\u0131c\u0131n\u0131n zaten i\u015fini kolayla\u015ft\u0131rd\u0131r\u0131yoruz \u00f6zel hissetmelerini sa\u011flamay\u0131z bak\u0131\u015f\u0131ndan h\u0131zl\u0131ca kurtulmal\u0131lar. Unutulmamal\u0131 ki her m\u00fc\u015fteri ayr\u0131 ve \u00f6zeldir. Bu anlay\u0131\u015fa da en yak\u0131n dijital b<span class=\"il\">anka\u00a0<\/span>Garanti olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ge\u00e7en uzun bayram d\u00f6neminde, bir dostumun cep telefonu kayboldu. Haliyle yeni bir telefon ve SIM kart ald\u0131. Birka\u00e7 g\u00fcn sonra g\u00f6rd\u00fc\u011f\u00fcmde s\u0131k\u0131nt\u0131l\u0131oldu\u011funu farkettim. SIM kartla birlikte b\u00fct\u00fcn\u00a0bankalar\u0131n sistemlerine eri\u015fiminde sorun olu\u015fmu\u015f. B\u00fct\u00fcn bankalara teker teker&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-13416","post","type-post","status-publish","format-standard","hentry","category-blogum"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bankalar\u0131n Dijital D\u00f6n\u00fc\u015f\u00fcm Karnesi - At\u0131f \u00dcnald\u0131 | Yaz\u0131lar ve Yay\u0131n Ar\u015fivi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atif.unaldi.org\/blog\/2016\/08\/05\/bankalarin-dijital-donusum-karnesi\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankalar\u0131n Dijital D\u00f6n\u00fc\u015f\u00fcm Karnesi - At\u0131f \u00dcnald\u0131 | Yaz\u0131lar ve Yay\u0131n Ar\u015fivi\" \/>\n<meta property=\"og:description\" content=\"Ge\u00e7en uzun bayram d\u00f6neminde, bir dostumun cep telefonu kayboldu. Haliyle yeni bir telefon ve SIM kart ald\u0131. Birka\u00e7 g\u00fcn sonra g\u00f6rd\u00fc\u011f\u00fcmde s\u0131k\u0131nt\u0131l\u0131oldu\u011funu farkettim. SIM kartla birlikte b\u00fct\u00fcn\u00a0bankalar\u0131n sistemlerine eri\u015fiminde sorun olu\u015fmu\u015f. B\u00fct\u00fcn bankalara teker teker...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/atif.unaldi.org\/blog\/2016\/08\/05\/bankalarin-dijital-donusum-karnesi\/\" \/>\n<meta property=\"og:site_name\" content=\"At\u0131f \u00dcnald\u0131 | Yaz\u0131lar ve Yay\u0131n Ar\u015fivi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/atifunaldi\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/atifunaldi\" \/>\n<meta property=\"article:published_time\" content=\"2016-08-05T13:38:24+00:00\" \/>\n<meta name=\"author\" content=\"Atif Unaldi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/atifunaldi\" \/>\n<meta name=\"twitter:site\" content=\"@atifunaldi\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"Atif Unaldi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/2016\\\/08\\\/05\\\/bankalarin-dijital-donusum-karnesi\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/2016\\\/08\\\/05\\\/bankalarin-dijital-donusum-karnesi\\\/\"},\"author\":{\"name\":\"Atif Unaldi\",\"@id\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/#\\\/schema\\\/person\\\/608ed42ecbda2bc5cfdb767ac1db479b\"},\"headline\":\"Bankalar\u0131n Dijital D\u00f6n\u00fc\u015f\u00fcm Karnesi\",\"datePublished\":\"2016-08-05T13:38:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/2016\\\/08\\\/05\\\/bankalarin-dijital-donusum-karnesi\\\/\"},\"wordCount\":1183,\"publisher\":{\"@id\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/#\\\/schema\\\/person\\\/608ed42ecbda2bc5cfdb767ac1db479b\"},\"articleSection\":[\"Blogum\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/2016\\\/08\\\/05\\\/bankalarin-dijital-donusum-karnesi\\\/\",\"url\":\"https:\\\/\\\/atif.unaldi.org\\\/blog\\\/2016\\\/08\\\/05\\\/bankalarin-dijital-donusum-karnesi\\\/\",\"name\":\"Bankalar\u0131n Dijital D\u00f6n\u00fc\u015f\u00fcm Karnesi - 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