Katılım Bankacılığında İnovatif ve Dijital Çözümler: Türkiye İçin Bir Model Önerisi

Abstract

Digitalization, a means of making life easier for banks to provide innovative and fast services to their customers, is also closely related to participation banking, an actor of the interest-free finance sector in the era of Industry 4.0. API markets, cyber security, data analytics and big data solutions, artificial intelligencebased chatbots and blockchain applications, cloud technologies, augmented and virtual reality are among the most important issues in this digitalization journey for participation banks. Therefore, the aim of this study is to determine which technology applications the innovative digital solutions are based on in participation banking and to determine what advantages they provide to participation banks and their customers in Turkey. For this purpose, the news published in the national press in 2019 were searched in the Google search engine and 150 news stories which includes the words "Innovation in Interest-free Financial Banking" and "Participation Banking and Digitalization" were framed according to the purpose of the study and the websites of 6 banks (Albaraka Türk, Kuveyt Türk, Türkiye Emlak Katılım, Ziraat Katılım, Vakıf Katılım, Türkiye Finans Katılım) in Turkey that are the most mentioned in the news content and carry their technological infrastructure to digital channels by investing in innovative / digital products, services and platforms were examined and content analysis which is a qualitative research method was carried out. In the literature part of the study, articles related to innovative digital applications in participation banking were used; current situation analysis / checkup was made and innovative-digital examples of the best practices of participation banks in Turkey are given. A model called Digital Banking habitat has been established in Turkey's participation banking based on the findings obtained from the content analysis and starting from the suggestions that will be beneficial for our country in terms of digitalization in the field of participation banking. The results of the study showed that the innovative digital applications of participation banks included technology use such as Artificial Intelligence and Cloud Technology, and increased internet/mobile/digital banking operations. It has been observed that these applications have created brand value, better communication with customers, meeting customer expectations, leading to an increase in performance and efficiency, providing a fast response to customers, saving time, increasing their competitive power and number of customers with different-qualityinnovative-fast service.

Katılım Bankacılığı ve Sürdürülebilirlik: Finansal Dönüşümde İkili Etki

“…Ayrıca katılım bankacılığının dijitalleşmesi, çevre dostu finansal ürünlerin geliştirilmesini kolaylaştırmakta ve yeşil yatırımları teşvik etmektedir. Ayrıca müşteriler arasında sürdürülebilirlik konusunda farkındalık oluşturma ve sürdürülebilirlikle ilgili konularda eğitim sağlama potansiyeline de sahiptir (Tekin, 2020).…”

“…Şendurur ve Temelli (2018) ise çalışmalarında Türkiye'de faaliyet gösteren geleneksel bankalar ve katılım bankalarını sürdürülebilirlik açısından karşılaştırmaktadır. Tekin (2020) çalışmasında, katılım bankalarının yenilikçi dijital uygulamalarının Yapay Zekâ ve Bulut Teknolojisi gibi teknoloji kullanımını içerdiğini ve bankacılık operasyonlarını artırdığı sonucuna ulaşmıştır. Galletta (2021)'nın ise finansal kuruluşların uyguladığı çevre politikaları ile mevduat sahiplerinin tercihleri arasındaki ilişkiyi incelediği bir çalışması bulunmaktadır.…”