Ana sayfa IT FİNANS HABERLERİ Mobil ödeme, kredi kartlarının tahtını salladı

Mobil ödeme, kredi kartlarının tahtını salladı

– Aktifbank Dijital Bankacılık ve Ödeme Sistemleri Genel Müdür Yardımcısı Betügül Toker:
– “Müşterilerimizin yüzde 70’i mobilden, yüzde 30’u bilgisayarlardan internet bankacılık hizmeti alıyor”
– “Bankalar, teknoloji kurumları, hatta finansal teknoloji platformları akıllı cihazların üzerinde teknoloji ve çözüm geliştirmeye kaydı. Aktif Bank olarak toplam bütçemizin yüzde 20-25 bandını teknolojiye yatırıyoruz” 
– “5 yıl önce ödeme sistemlerinin kralı ya da kraliçesi kredi kartlarıydı. Son 5 yıldır ödeme sistemlerinde mobille ilgili yapıları konuşuyoruz”
– “Passo Mobil uygulaması üzerinden kredi alan müşteri oldukça fazla. Halihazırda bankacılık müşterisi olanların yüzde 30’u, Passo Mobil uygulaması üzerinden kredi başvurusu yapıyor”

Aktif Bank Dijital Bankacılık ve Ödeme Sistemleri Genel Müdür Yardımcısı Betügül Toker, müşterilerinin yüzde 70’inin mobilden, yüzde 30’unun da bilgisayarlardan internet bankacılık hizmeti aldığını belirterek, “Bankalar, teknoloji kurumları, hatta finansal teknoloji platformları akıllı cihazların üzerinde teknoloji ve çözüm geliştirmeye kaydı. Aktif Bank olarak toplam bütçemizin yüzde 20-25 bandını teknolojiye yatırıyoruz.” dedi.

Toker, AA muhabirine yaptığı açıklamada, Aktif Bank’ın daha çok finansal teknoloji vizyonu üzerinden ilerlediğine işaret ederek, şu anda 8 milyon müşteriye hizmet verdiklerini, herkesin hayatına bir şekilde kolaylık sunduklarını ifade etti. 

Yatırım bankası olarak kendilerine birçok alanda yeni ligler oluşturduklarını belirten Toker, şunları kaydetti:

“Önümüzdeki 5 yıl içinde Aktif Bank olarak dijitalleşme ve müşteri yönetiminde analitik kurgular sağlayan, yaptığı birçok yatırım ile farklı sektörlerde hizmet veren, varlıklarının kalite yapısını belli ölçekte tutmaya devam eden, yatırım bankası profilini Türkiye’de sürdürmeye devam edeceğiz. 

Ödeme sistemleri son 5 yıldır mobili çağrıştırsa da 5 yıl önce ödeme sistemlerinin kralı ya da kraliçesi kredi kartlarıydı. Son 5 yıldır ödeme sistemlerinde mobille ilgili yapıları daha çok konuşuyoruz. 5 yıl önce kredi kartının baskın olduğu bir yapıyı konuşuyorduk. Artık mobil ve kart dünyası iç içe geçti ve daha kullanıcı dostu teklifler ile tüketicinin karşısına çıkmaya başladı. Türkiye, banka kartlarıyla tüketicinin harcama yaptığı bir yapıya da zemin sağladı ancak Avrupa pazarı gibi olması için daha zaman var.”

– “Türk insanı ortalama 2,5 saatini akıllı cihazında geçiriyor”

Betügül Toker, müşterilerin mobil kullanım alışkanlıklarındaki değişimlere değinirken, “Aktif Bank olarak yaptığımız analizlerde müşterilerimizin yüzde 70’i mobilden, yüzde 30’u bilgisayarlardan internet bankacılık hizmeti alıyor. Türk insanı ortalama 2,5 saatini akıllı cihazıyla geçiriyor. Bunun içinde sosyal medya da, bankacılık işlemi de var. Durum böyle olunca bankalar, teknoloji kurumları, hatta finansal teknoloji platformları akıllı cihazların üzerinde bir şey geliştirmeye kaydı. Dijitali artık mobille birbirine geçirir olduk. Aktif Bank olarak toplam bütçemizin yüzde 20-25 bandını teknolojiye yatırıyoruz. Türkiye’de piyasa ortalaması yüzde 12 ila 15 arasında değişiyor.” şeklinde konuştu. 

– “N Kolay Bono’yla işlem hacmimizi ve müşteri sayımızı 10 katına yakın büyüttük”

Tasarruf teşviki için hayata geçirdikleri N Kolay Bono hakkında bilgi veren Toker, “Bono kampanyamızın sonuçları bizi tatmin etti. Daha öncesine oranla işlem hacmimizi ve müşteri sayımızı 10 katına yakın büyüttük.” dedi.

Toker, kolay kullanımın verimi artırdığına işaret ederek, Aktif Bank’a gelen yeni kredi başvuruları incelendiğinde, kredi başvurularının yaklaşık yüzde 30’unun Passo Mobil uygulamadan geldiğinin ortaya çıktığını kaydetti. 

Toker, “Passolig’de 4,5 milyon müşterimiz var. Passo App, 3 milyon defa yüklenmiş ve yaklaşık 1,5 milyon insanın en az bir defa giriş yaptığı bir uygulama. Passo üzerinden kredi alan müşteri oldukça fazla. Halihazırda bankacılık müşterisi olanların yüzde 30’u Passo üzerinden kredi başvurusu yapıyor.” diye konuştu. 

 – “Ankara Mobil uygulaması içindeki sanal kartımız dahil 100 bine ulaştık”

Aktif Bank Dijital Bankacılık ve Ödeme Sistemleri Genel Müdür Yardımcısı Toker, Ankara’da hem Ankara Mobil’den hem de ulaşım ve alışverişi bir arada sağlayan N Kolay Ankara kart ile oldukça büyük ilgi aldıklarını belirterek, “Ankara Mobil uygulaması içindeki sanal kartımız dahil 100 bine ulaştık.” ifadesini kullandı. 

Aktif Bank’ın ulaşım çözümlerine yönelik 6 kentte yoğun çalışmaları bulunduğunu aktaran Toker, Passolig kartları da dahil edildiğinde Türkiye nüfusunun 5’te birine biletleme operasyonu yaptıklarını söyledi.

Toker, “Yılda 1 milyar akıllı ulaşım işlemine imza atıyoruz ve bir kıyaslama yaptığımızda, Türkiye’de bir yılda tüm kredi kartlarıyla gerçekleştirilen işlem adedinin neredeyse yarısına denk gelen bir hacmimizin olduğunu görüyoruz. N Kolay Ankara Kart, ‘hayatı kolaylaştırma’ iddiamızı gerçekleştirebilecek bir ürün. N Kolay Ankara Kart ile ulaşım, alışveriş ve kampanya yönetimini tek bir kartta buluşturduk. N Kolay Ankara Kart, Ankara’da yaşayan binlerce insanın cüzdanına girdi.” diye konuştu.

– Ankara Kart ile market alışverişi yapan Ankaralılar, bedava biniş hakkı kazanıyor

Betügül Toker, ulaşımda kullanılabilen bu kartın, “yetersiz bakiye” sorununu çözdüğüne işaret ederek, şunları kaydetti: 

“Ağustos 2018’de Türkiye’nin hem alışveriş yaptıran hem de ulaşım sağlayan kartını hayata geçirdik. Bu kartla sadece toplu taşımaya binip inmiyorsunuz. Alırken 2 biniş içine bedava koyuyoruz. ATM’lerden, App’lerden içine para yükleyip alışveriş yapabiliyorsunuz, alışveriş yaptıkça bedava biniş hakkı kazanıyorsunuz. Temassız alışveriş sağlıyor, dileyen hızlıca kahvesini alıyor, alışverişini yapıyor. Ulaşımda kullanılabiliyor. Visa-Master üyesi her yerde kullanılabiliyor. Şu an Ankara’daki CarrefourSA’larla anlaştık. Ankaralılar, buradan 50 TL’lik alışveriş yaptığında bir biniş bedava kazanacak.”

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