{"id":67011,"date":"2018-07-05T15:34:04","date_gmt":"2018-07-05T12:34:04","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=67011"},"modified":"2020-05-14T18:25:10","modified_gmt":"2020-05-14T15:25:10","slug":"bu-5-bankadan-para-cekmek-ucretsiz","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=67011","title":{"rendered":"Bu 5 bankadan para \u00e7ekmek \u00fccretsiz"},"content":{"rendered":"<p style=\"text-align: justify;\"><a href=\"http:\/\/www.korhanyilmaz.com\/wp-content\/uploads\/2018\/07\/sf895264.jpg\"  class=\"lightview\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-67012\" src=\"http:\/\/www.korhanyilmaz.com\/wp-content\/uploads\/2018\/07\/sf895264.jpg\" alt=\"\" width=\"400\" height=\"239\" \/><\/a><\/p>\n<p style=\"text-align: justify;\">Ziraat Bankas\u0131, Halkbank, Vak\u0131fbank, Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m m\u00fc\u015fterileri imzalanan protokol ile bu bankalar\u0131n t\u00fcm ATM\u2019lerini i\u015flem limitleri d\u00e2hilinde hi\u00e7bir \u00fccret \u00f6demeden kullanabilecek.<\/p>\n<div id=\"news-body-wrapper\">\n<div id=\"news-body\" class=\"formatted news-content\">\n<p style=\"text-align: justify;\">Ziraat Bankas\u0131, Halkbank,\u00a0Vak\u0131fBank\u00a0, Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m m\u00fc\u015fterileri, bu bankalar\u0131n t\u00fcm ATM\u2019lerini i\u015flem limitleri dahilinde hi\u00e7bir \u00fccret \u00f6demeden kullanabilecek.<\/p>\n<p style=\"text-align: justify;\">S\u00f6z konusu bankalar\u0131n ortak a\u00e7\u0131klamas\u0131na g\u00f6re, banka m\u00fc\u015fterilerinin ba\u015fka bir banka ATM\u2019sini kullanarak kendi hesab\u0131 ya da kredi kart\u0131na ili\u015fkin finansal i\u015flemler ger\u00e7ekle\u015ftirmesini sa\u011flayan &#8220;Ortak ATM Sistemi&#8221;, Bankalararas\u0131 Kart Merkezi nezdinde kurulan sistemle 2009 y\u0131l\u0131ndan beri uygulan\u0131yor.<!--more--><\/p>\n<p style=\"text-align: justify;\">Mevcut sistemde, bir ba\u015fka banka ATM\u2019sini kullanan m\u00fc\u015fteri, al\u0131nan hizmet kar\u015f\u0131l\u0131\u011f\u0131nda komisyon\/masraf \u00fccreti \u00f6d\u00fcyor. \u0130\u015flemlerin masraf ya da komisyona tabi olmas\u0131, ATM sisteminden yeteri d\u00fczeyde faydalan\u0131lamamas\u0131na yol a\u00e7\u0131yor.<\/p>\n<p style=\"text-align: justify;\">Di\u011fer taraftan bankalar, m\u00fc\u015fterilerine daha yayg\u0131n bir kanaldan ula\u015fabilmek ad\u0131na ATM a\u011flar\u0131n\u0131 y\u00fcksek maliyetlere katlanarak geni\u015fletiyor. Kullan\u0131lan ATM\u2019lerin ithalat yoluyla edinilebildi\u011fi, bir ATM\u2019nin ortalama 20 bin euro civar\u0131nda maliyeti oldu\u011fu g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda bu bedellerin T\u00fcrkiye&#8217;nin d\u0131\u015f ticaret a\u00e7\u0131\u011f\u0131na olumsuz etkileri bulunuyor.<\/p>\n<p style=\"text-align: justify;\">Ortak ATM sisteminden arzu edilen sonu\u00e7lar\u0131n elde edilebilmesi amac\u0131yla y\u00fcr\u00fct\u00fclen \u00e7al\u0131\u015fmalar neticesinde, ilk etapta\u00a0Ziraat Bankas\u0131\u00a0, Halkbank,\u00a0Vak\u0131fBank\u00a0, Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m bankalar\u0131 bir araya gelerek &#8220;\u00dccretsiz Ortak ATM Kullan\u0131m\u0131&#8221; sistemini 4 Nisan 2018&#8217;de imzalanan protokol ile hayata ge\u00e7irmi\u015fti.<\/p>\n<p style=\"text-align: justify;\"><strong>15 B\u0130N ATM&#8217;DE GE\u00c7ERL\u0130<\/strong><\/p>\n<p style=\"text-align: justify;\">Buna g\u00f6re, s\u00f6z konusu bankalara ait yakla\u015f\u0131k 15 bin adet ortak ATM\u2019den yap\u0131labilen para yat\u0131rma, para \u00e7ekme, bakiye sorgulama, kredi kart\u0131 bor\u00e7 sorgulama, kredi kart\u0131 limit sorgulama ve kredi kart\u0131 bor\u00e7 \u00f6deme i\u015flemleri bu bankalar\u0131n m\u00fc\u015fterileri taraf\u0131ndan i\u015flem limitleri dahilinde \u00fccretsiz yap\u0131labilecek.<\/p>\n<p style=\"text-align: justify;\">Protokole imza atan bankalarca, ayn\u0131 noktada yan yana bulunan ATM\u2019ler ile ilgili verimlilik esas\u0131na g\u00f6re optimizasyon \u00e7al\u0131\u015fmalar\u0131 da ba\u015flat\u0131ld\u0131. B\u00f6ylelikle mevcut ATM\u2019lerin \u00e7ok daha verimli konumland\u0131r\u0131lmas\u0131, m\u00fc\u015fterilerin finansal hizmetlere eri\u015fim d\u00fczeyinin artt\u0131r\u0131lmas\u0131, ayr\u0131ca orta ve uzun vadede ATM cihaz\u0131 ithalat\u0131n\u0131n azalarak T\u00fcrkiye&#8217;nin d\u0131\u015f ticaret dengesine olumlu katk\u0131 sa\u011flanmas\u0131 hedefleniyor.<\/p>\n<p style=\"text-align: justify;\">Protokolde yer alan bankalar\u0131n toplam kredi kart\u0131 say\u0131lar\u0131 yakla\u015f\u0131k 13 milyon adet, banka kart\u0131 say\u0131lar\u0131 55 milyon adede ula\u015f\u0131yor. S\u00f6z konusu bankalar\u0131n Eyl\u00fcl 2017\u2019de vard\u0131\u011f\u0131 mutabakat \u00e7er\u00e7evesinde, toplamda 360 bin adede ula\u015fan POS terminallerinin ortak kullan\u0131ma a\u00e7\u0131lmas\u0131 ile de \u00f6nemli bir maliyet kalemi minimize edildi.<\/p>\n<p style=\"text-align: justify;\">Bu ve kurulacak benzeri operasyonel birliktelikler ile kat\u0131l\u0131mc\u0131 bankalar\u0131n operasyonel maliyetlerinin d\u00fc\u015f\u00fcr\u00fclmesine, dolay\u0131s\u0131yla faizin unsurlar\u0131ndan biri olan operasyonel maliyetlerin bu \u015fekilde azalt\u0131lmas\u0131 ile faizlerin a\u015fa\u011f\u0131 do\u011fru seyrine pozitif katk\u0131 sa\u011flanacak.<\/p>\n<p><strong><span style=\"color: #003366;\">Kaynak :<\/span><\/strong><span style=\"color: #ff9900;\">\u00a0<a style=\"color: #ff9900;\" href=\"http:\/\/www.cumhuriyet.com.tr\/haber\/ekonomi\/1018169\/Bu_5_bankadan_para_cekmek_ucretsiz.html\" target=\"_blank\" rel=\"noopener noreferrer\">http:\/\/www.cumhuriyet.com.tr\/<\/a><\/span><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"text-align: justify;\">\n<p style=\"text-align: justify;\">Ziraat Bankas\u0131, Halkbank, Vak\u0131fbank, Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m m\u00fc\u015fterileri imzalanan protokol ile bu bankalar\u0131n t\u00fcm ATM\u2019lerini i\u015flem limitleri d\u00e2hilinde hi\u00e7bir \u00fccret \u00f6demeden kullanabilecek.<\/p>\n<p style=\"text-align: justify;\">Ziraat Bankas\u0131, Halkbank, Vak\u0131fBank , Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m m\u00fc\u015fterileri, bu bankalar\u0131n t\u00fcm ATM\u2019lerini i\u015flem limitleri dahilinde hi\u00e7bir \u00fccret \u00f6demeden kullanabilecek.<\/p>\n<p style=\"text-align:  \n\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7,105],"tags":[5427,4743,5426,5428,5425,5423,4137,5424],"class_list":["post-67011","post","type-post","status-publish","format-standard","hentry","category-ekonomi","category-gundem","tag-bankalararasi-kart-merkezi","tag-halkbank","tag-ortak-atm-sistemi","tag-ucretsiz-ortak-atm-kullanimi","tag-vakif-katilim","tag-vakifbank","tag-ziraat-bankasi","tag-ziraat-katilim","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/67011","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=67011"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/67011\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=67011"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=67011"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=67011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}