Mastercard\u2019\u0131n \u201cDijital \u00d6demelerin T\u00fcrkiye\u2019de Ekonomik Kalk\u0131nmaya Katk\u0131lar\u0131\u201d raporu, dijital \u00f6demelerin T\u00fcrkiye ekonomisine sa\u011flad\u0131\u011f\u0131 katk\u0131y\u0131 verilerle ortaya koydu. T\u00fcrkiye, 142 milyon kredi kart\u0131 ve \u00f6n \u00f6demeli kartlar dahil 319 milyon banka kart\u0131yla g\u00fc\u00e7l\u00fc bir \u00f6deme ekosistemine sahip. Avrupa Merkez Bankas\u0131\u2019n\u0131n 2025 Haziran sonu verilerine g\u00f6re T\u00fcrkiye, kredi kart\u0131 say\u0131s\u0131nda \u0130spanya\u2019y\u0131 geride b\u0131rakarak Avrupa\u2019n\u0131n en b\u00fcy\u00fck pazar\u0131 oldu. Kartlarla yap\u0131lan y\u0131ll\u0131k \u00f6demeler ise 2025\u2019te 24,1 trilyon TL\u2019ye ula\u015ft\u0131.<\/p>\n
Mastercard T\u00fcrkiye Dan\u0131\u015fmanl\u0131k Hizmetleri taraf\u0131ndan haz\u0131rlanan rapor, dijital \u00f6demelerin ekonomik etkisini \u00fc\u00e7 ana ba\u015fl\u0131kta inceliyor: kay\u0131t d\u0131\u015f\u0131l\u0131\u011f\u0131n azalmas\u0131yla artan vergi gelirleri, hanehalk\u0131 t\u00fcketimine katk\u0131 ve turizm gelirlerini destekleyen hizmet ihracat\u0131. \u00c7al\u0131\u015fma ayr\u0131ca nakit kullan\u0131m\u0131n\u0131n kamu, banka, \u015firket ve t\u00fcketiciler \u00fczerindeki maliyetini de inceliyor.<\/p>\n
Rapora g\u00f6re T\u00fcrkiye\u2019de y\u00fczde 69 seviyesindeki dijital \u00f6deme penetrasyonunun olgun pazarlardaki y\u00fczde 95 seviyesine yakla\u015fmas\u0131, ekonomik katk\u0131y\u0131 daha da art\u0131rma potansiyeli ta\u015f\u0131yor. Bu hedef i\u00e7in kamu, bankalar, \u00f6deme kurulu\u015flar\u0131, \u00f6deme \u015femalar\u0131 ve fintekler dahil t\u00fcm ekosistem payda\u015flar\u0131n\u0131n i\u015f birli\u011fi \u00f6nem ta\u015f\u0131yor.<\/p>\n
Onur Faydac\u0131: \u201cDijital \u00f6demeler ekonomik kalk\u0131nman\u0131n itici g\u00fcc\u00fc\u201d<\/strong><\/p>\n Raporu de\u011ferlendiren Mastercard T\u00fcrkiye ve Azerbaycan Genel M\u00fcd\u00fcr\u00fc Onur Faydac\u0131, \u201cT\u00fcrkiye, son 30 y\u0131lda dijital \u00f6demelerde d\u00fcnyada \u00f6rnek g\u00f6sterilen bir d\u00f6n\u00fc\u015f\u00fcm ger\u00e7ekle\u015ftirdi. G\u00fcvenli, yenilik\u00e7i ve kapsay\u0131c\u0131 \u00e7\u00f6z\u00fcmlerimizle bu ekosistemin geli\u015fimine katk\u0131 sunmaktan gurur duyuyoruz. Rapor, dijital \u00f6demelerin yaln\u0131zca bir \u00f6deme y\u00f6ntemi olmad\u0131\u011f\u0131n\u0131; ekonomik b\u00fcy\u00fcmeden kay\u0131tl\u0131 ekonominin g\u00fc\u00e7lenmesine, turizm gelirlerinden i\u015fletme verimlili\u011fine kadar kalk\u0131nman\u0131n \u00f6nemli bir itici g\u00fcc\u00fc oldu\u011funu g\u00f6steriyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde de dijital \u00f6deme ekosistemini daha kapsay\u0131c\u0131 hale getirmek ve yapay zek\u00e2 destekli ticaret gibi yeni nesil alanlarda T\u00fcrkiye\u2019nin \u00f6nc\u00fc konumunu g\u00fc\u00e7lendirmek i\u00e7in \u00e7al\u0131\u015faca\u011f\u0131z\u201d dedi.<\/p>\n Hanehalk\u0131 t\u00fcketimine yakla\u015f\u0131k 1,5 trilyon TL etki<\/strong><\/p>\n Rapora g\u00f6re dijital \u00f6demeler, h\u0131zl\u0131 ve alternatif \u00f6deme deneyimiyle hanehalk\u0131 t\u00fcketimini destekliyor. T\u00fcrkiye verilerine uyarlanan hesaplamaya g\u00f6re dijital \u00f6demelerin 2025\u2019te hanehalk\u0131 t\u00fcketimine etkisi yakla\u015f\u0131k 1,5 trilyon TL oldu. En y\u00fcksek katk\u0131 546 milyar TL ile seyahatte g\u00f6r\u00fcl\u00fcrken restoran sekt\u00f6r\u00fc 427 milyar TL ile ikinci s\u0131rada. Mobilya ve elektronik, giyim ve konaklama katk\u0131 sa\u011flanan alanlar aras\u0131nda yer ald\u0131. Kartl\u0131 \u00f6demelerin hanehalk\u0131 \u00f6demelerindeki pay\u0131 2025\u2019te bireysel kartlarda y\u00fczde 54\u2019e, ticari kartlar dahil y\u00fczde 69\u2019a ula\u015ft\u0131.<\/p>\n Turizm gelirlerine 388 milyar TL destek<\/strong><\/p>\n Kartl\u0131 \u00f6deme altyap\u0131s\u0131n\u0131n yayg\u0131nl\u0131\u011f\u0131, T\u00fcrkiye\u2019yi yabanc\u0131 turistler i\u00e7in daha cazip hale getirirken harcamalar\u0131 da kolayla\u015ft\u0131r\u0131yor. Turizm gelirleri 2000\u2019de 7,6 milyar dolardan, 2025\u2019te yakla\u015f\u0131k 8,5 kat\u0131na \u00e7\u0131karak 65 milyar dolara yakla\u015f\u0131rken, kartl\u0131 \u00f6demelerin turizm gelirlerindeki pay\u0131 y\u00fczde 15\u2019ten yakla\u015f\u0131k y\u00fczde 38\u2019e \u00e7\u0131kt\u0131. Rapora g\u00f6re\u00a0dijital \u00f6demelerin 2025 y\u0131l\u0131nda\u00a0turizm gelirlerine 388 milyar TL, yani 9,8 milyar dolar katk\u0131 sa\u011flad\u0131.<\/p>\n Nakit kullan\u0131m\u0131n\u0131n maliyeti \u00f6ne \u00e7\u0131k\u0131yor<\/strong><\/p>\n Rapor, nakit kullan\u0131m\u0131n\u0131n ekonomiye y\u00fckledi\u011fi maliyetleri de hesapl\u0131yor. 2025\u2019te banknot bas\u0131m\u0131n\u0131n TCMB\u2019ye do\u011frudan maliyeti 4,4 milyar TL olarak tahmin edilirken, nakit dola\u015f\u0131m\u0131n\u0131n bankalara maliyeti 65 milyar TL\u2019yi a\u015ft\u0131. \u015eirketler i\u00e7in nakit i\u015fletme maliyeti 34 milyar TL\u2019ye yakla\u015f\u0131rken, t\u00fcketicilere yans\u0131yan toplam maliyetin 8,1 milyar TL\u2019yi ge\u00e7ti\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor. Dijital \u00f6demelerin yayg\u0131nla\u015fmas\u0131, bu maliyetleri azaltarak verimlili\u011fi art\u0131rabilir.<\/p>\n Vergi gelirlerine 574 milyar TL katk\u0131<\/strong><\/p>\n Dijital \u00f6demeler sat\u0131\u015flar\u0131n kay\u0131t alt\u0131na al\u0131nmas\u0131n\u0131 sa\u011flayarak \u015feffafl\u0131\u011f\u0131 art\u0131r\u0131yor ve vergi tahsilat\u0131n\u0131 destekliyor. Rapora g\u00f6re dijital \u00f6demelerin 2025\u2019te KDV, \u00d6TV, Kurumlar Vergisi veve Gelir Vergisi kalemlerine toplam katk\u0131s\u0131 574 milyar TL\u2019ye ula\u015ft\u0131. Bu tutar, T\u00fcrkiye\u2019nin toplam vergi gelirlerinin yakla\u015f\u0131k y\u00fczde 5\u2019ine denk geliyor. Kay\u0131t d\u0131\u015f\u0131l\u0131\u011f\u0131 azalt\u0131c\u0131 etki \u00f6zellikle mikro, k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmelerde \u00f6ne \u00e7\u0131k\u0131yor. Bu i\u015fletmelerde yap\u0131lan kartl\u0131 \u00f6demeler, T\u00fcrkiye\u2019deki toplam kartl\u0131 \u00f6demelerin yakla\u015f\u0131k y\u00fczde 40\u2019\u0131n\u0131 olu\u015fturuyor.<\/p>\n Yeni b\u00fcy\u00fcme alan\u0131: Yapay zek\u00e2 asistanl\u0131 ticeret<\/strong><\/p>\n Rapor, \u00f6deme ekosistemindeki yeni d\u00f6n\u00fc\u015f\u00fcm alanlar\u0131ndan biri olarak yapay zek\u00e2 asistanl\u0131 ticarete dikkat \u00e7ekiyor. \u00dcr\u00fcn arama, kar\u015f\u0131la\u015ft\u0131rma, sat\u0131n alma ve sonras\u0131 s\u00fcre\u00e7leri y\u00fcr\u00fcten yapay zek\u00e2 temsilcileri, ticarete yeni bir karar alma katman\u0131 ekliyor. Mastercard; tokenizasyon, g\u00fcvenilir temsilci do\u011frulama mekanizmalar\u0131 ve yapay zek\u00e2 platformlar\u0131n\u0131 bir araya getiren \u00e7\u00f6z\u00fcmleriyle bu i\u015flemlerin g\u00fcvenli ve \u00f6l\u00e7eklenebilir \u015fekilde ger\u00e7ekle\u015fmesini hedefliyor. T\u00fcrkiye\u2019de finans kurulu\u015flar\u0131yla yapay zek\u00e2 destekli al\u0131\u015fveri\u015f asistan\u0131 \u00e7\u00f6z\u00fcmleri geli\u015ftiren Mastercard, T\u00fcrkiye\u2019yi bu alanda stratejik \u00f6ncelik olarak g\u00f6r\u00fcyor.<\/p>\n Mastercard\u2019dan 30 y\u0131ld\u0131r dijital d\u00f6n\u00fc\u015f\u00fcme destek<\/strong><\/p>\n T\u00fcrkiye\u2019de 30 y\u0131ld\u0131r faaliyet g\u00f6steren Mastercard, kart \u00fcr\u00fcnlerinden dijital \u00f6deme \u00e7\u00f6z\u00fcmlerine ve katma de\u011ferli servislere uzanan portf\u00f6y\u00fcyle d\u00f6n\u00fc\u015f\u00fcm\u00fc destekliyor. Masterpass, T\u00fcrkiye\u2019de 45 milyon kullan\u0131c\u0131ya ula\u015f\u0131rken Mastercard, kart \u00fcr\u00fcnleri ile Priceless ve MTR platformlar\u0131 arac\u0131l\u0131\u011f\u0131yla kart sahiplerine \u00f6zel fayda ve deneyimler sunuyor. Tap on Phone ise T\u00fcrkiye genelinde toplam 200 binden fazla terminale ula\u015farak ayl\u0131k 10 milyonun \u00fczerinde i\u015fleme arac\u0131l\u0131k ediyor. \u015eirket; MasterKOB\u0130, toplu ta\u015f\u0131mada temass\u0131z ve mobil \u00f6deme altyap\u0131s\u0131, Mastercard Send ve siber g\u00fcvenlik \u00e7\u00f6z\u00fcmleriyle \u00f6deme ekosisteminin g\u00fcvenli ve s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcmesine katk\u0131 sa\u011fl\u0131yor.<\/p>\n \u00a0<\/p>\n \u00a0<\/p>\n Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":" Mastercard\u2019\u0131n \u201cDijital \u00d6demelerin T\u00fcrkiye\u2019de Ekonomik Kalk\u0131nmaya Katk\u0131lar\u0131\u201d raporu, dijital \u00f6demelerin T\u00fcrkiye ekonomisine sa\u011flad\u0131\u011f\u0131 katk\u0131y\u0131 verilerle ortaya koydu.<\/p>\n","protected":false},"author":1,"featured_media":32938,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-32937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/32937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=32937"}],"version-history":[{"count":1,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/32937\/revisions"}],"predecessor-version":[{"id":32939,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/32937\/revisions\/32939"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/media\/32938"}],"wp:attachment":[{"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=32937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=32937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/akdenizolay.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=32937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}