Finansal teknoloji girişimlerinin yenilikleri ve geleceğin finansal ekosistem öngörüsü-nitel bir durum analizi
Küçük Resim Yok
Tarih
2022
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
İstanbul Beykent Üniversitesi
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Araştırmanın amacı; Türk finans sektöründeki geleneksel finansal kuruluşların üst düzey yöneticilerinin, finansal teknoloji girişimlerinin farkları, yeniliklerinin nitelikleri ve yıkıcı yenilik ile örtüşen özelliklerini, geleneksel aktörlerin geliştirdikleri cevap stratejilerini nasıl değerlendirdiklerini ve finansal ekosistemin nasıl evrileceğini öngördüklerini, Yıkıcı Yenilik Teorisi çerçevesinde incelemek ve benimsenebilecek önermeler ortaya koymaktır. Çok durumlu nitel çalışma deseni ve çapraz durum senteziyle gerçekleştirilen araştırmanın bulguları, geleneksel aktörlerin stratejilerinin oluşturulmasına rehberlik etmesi ve literatürdeki eksikliklerin giderilmesine katkı sunması nedenleriyle önem taşımaktadır. Ayrıca bu araştırma, literatürde katılımcılar özelinde Türk finans sektörünün bakış açısını yansıtması yönüyle farklı bir yer alacaktır. Yapılan çalışmada öne çıkan bulgular, fintek girişimlerinin spesifik bir alana odaklanması, hızlı, esnek ve çevik olması özellikleridir. Ayrıca fintek girişimlerinin yeniliklerinin "yıkıcı yenilik özellikleri" ile örtüşen özellikleri olarak, yeni müşteriye ulaşan, yeni pazar yaratan ve pazarın alt ucunu hedefleyen, ucuz, kullanımı kolay ve basit, yeni işlev getiren, yeni iş modelleri yaratan, yeni teknoloji kullanan, mevduatta ana akım müşterinin beğenisine ulaşamayan, pazardan pay almaya başlayan özellikleri, diğer öne çıkan bulgulardır. Açık bankacılık ve servis bankacılığı ile oluşturulabilecek iş modelleri, dijital banka, ödemeler iş modeli, yapay zeka, blokzincir teknolojilerinin yıkıcı potansiyeline ilişkin değerlendirmelerin yanı sıra, fintek girişimlerinin yıkıcı olmayacağı öngörüsü ortaya konulmuştur. Geleneksel finansal kuruluşların, fintek girişimi kurma, satın alma, yapay zeka ve robotik otomasyon teknolojilerini kullanma, fintek girişimleriyle işbirliği, yatırım yapma ve ortak olma, hızlandırma ve inovasyon merkezi kurma stratejilerine sahip oldukları belirlenmiştir. Geleceğin finansal ekosistem öngörüsünde, hizmet bankacılığı, platform bankacılığı, gömülü bankacılık, görünmez bankacılık olarak belirtilen hibrit iş modelleri, bankacılığın devamı, merkezi olmayan finansta dağıtık yapı uygulamaları temel bulgulardır.
This study aims to examine how the senior managers of Turkish traditional financial institutions evaluate the differences in financial technology initiatives, the characteristics of innovations and the features overlapping with disruptive innovation, how these executives assess the response strategies developed by traditional actors, and their envision on how the financial ecosystem will evolve, within the framework of the Disruptive Innovation Theory, and to put forward propositions that can be adopted. The research findings, carried out with a multi-case qualitative study design and cross-case synthesis, are significant as they guide the formation of strategies of traditional actors and contribute to eliminating deficiencies in the literature. In addition, this research will take a different place in the literature in terms of reflecting the perspective of the Turkish financial sector specific to the participants. The prominent findings of the study revealed the features of fintech start-ups focusing on a particular area, being fast, flexible, and agile. Moreover, the features of fintech initiatives innovations that overlap with "disruptive innovation" are those that reach new customers, create a new market, and target the lower end of the market, besides being cheap, easy to use, and simple, bringing new functions, creating new business models, using new technology and starting to have a market share in the sector. However, the innovations of fintech initiatives cannot reach the appreciation of the mainstream customer in deposits. Digital banks, payments business models, the future hybrid business models such as open banking and service banking, and artificial intelligence, blockchain technologies have disruptive potential. In addition, it is predicted that fintech initiatives will not be destructive to banking. It has been revealed that traditional financial institutions have strategies to establish and purchase fintech start-ups, use artificial intelligence and robotic automation technologies, cooperate with fintech start-ups, invest and be partners, and establish acceleration and innovation centers. Forecasts regarding hybrid business models expressed as service banking, platform banking, embedded banking, invisible banking, and distributed structure applications in decentralized finance are prominent findings among the predictions of the future financial ecosystem. In addition, the projection of the continuation of banking has been put forward.
This study aims to examine how the senior managers of Turkish traditional financial institutions evaluate the differences in financial technology initiatives, the characteristics of innovations and the features overlapping with disruptive innovation, how these executives assess the response strategies developed by traditional actors, and their envision on how the financial ecosystem will evolve, within the framework of the Disruptive Innovation Theory, and to put forward propositions that can be adopted. The research findings, carried out with a multi-case qualitative study design and cross-case synthesis, are significant as they guide the formation of strategies of traditional actors and contribute to eliminating deficiencies in the literature. In addition, this research will take a different place in the literature in terms of reflecting the perspective of the Turkish financial sector specific to the participants. The prominent findings of the study revealed the features of fintech start-ups focusing on a particular area, being fast, flexible, and agile. Moreover, the features of fintech initiatives innovations that overlap with "disruptive innovation" are those that reach new customers, create a new market, and target the lower end of the market, besides being cheap, easy to use, and simple, bringing new functions, creating new business models, using new technology and starting to have a market share in the sector. However, the innovations of fintech initiatives cannot reach the appreciation of the mainstream customer in deposits. Digital banks, payments business models, the future hybrid business models such as open banking and service banking, and artificial intelligence, blockchain technologies have disruptive potential. In addition, it is predicted that fintech initiatives will not be destructive to banking. It has been revealed that traditional financial institutions have strategies to establish and purchase fintech start-ups, use artificial intelligence and robotic automation technologies, cooperate with fintech start-ups, invest and be partners, and establish acceleration and innovation centers. Forecasts regarding hybrid business models expressed as service banking, platform banking, embedded banking, invisible banking, and distributed structure applications in decentralized finance are prominent findings among the predictions of the future financial ecosystem. In addition, the projection of the continuation of banking has been put forward.
Açıklama
Anahtar Kelimeler
İşletme, Business Administration
