Dijital Bankalar
Özet
Dr. Hüseyin ÖCAL tarafından kaleme alınan Dijital Bankalar başlıklı eser, fiziki şubesi bulunmayan ve tüm bankacılık hizmetlerini yalnızca dijital kanallar üzerinden yürüten saf internet bankacılığı iş modelini akademik ve sektörel boyutta derinlemesine incelemektedir. Altı ana bölümden oluşan kitap; dijital bankacılığın tarihsel gelişimini, küresel pazar büyüklüğünü ve 2030 yılına kadar 2,05 trilyon dolara ulaşması beklenen pazar tahminlerini sunmaktadır. Sektörün önde gelen temsilcilerinden Nubank, SoFi ve KakaoBank'ın finansal performansları, sermaye yeterlilikleri, aktif kaliteleri ve likidite durumları; geleneksel bankalarla karşılaştırmalı olarak analiz edilmektedir. Çalışmada ayrıca bu bankaların hisse senetlerinin Sharpe ve Sortino oranlarıyla risk bazlı getiri performansları incelenmekte, Veri Zarflama Analizi (VZA) yöntemiyle verimlilik seviyeleri ölçülmektedir. Müşteri kazanım stratejileri, mobil uygulama kullanım trendleri ve Türkiye'deki BDDK mevzuatı kapsamında servis modeli bankacılığı ilkelerine de geniş yer verilmektedir. Finans sektörünün dijital dönüşümünü, risklerini ve fırsatlarını somut verilerle ortaya koyan bu eser; akademisyenler, bankacılar, araştırmacılar ve finans meraklıları için vazgeçilmez bir başvuru kaynağıdır.
Authored by Dr. Hüseyin ÖCAL, Digital Banks presents an in-depth academic and sectoral analysis of pure-play internet banking—a business model operating without physical branches to deliver all banking services exclusively through digital channels. Comprising six core chapters, the book explores the historical evolution of digital banking, global market dynamics, and projections forecasting a market volume of $2.05 trillion by 2030. It offers comparative financial evaluations of industry leaders such as Nubank, SoFi, and KakaoBank against traditional banks, thoroughly examining capital adequacy, asset quality, liquidity, and profitability. Additionally, the study assesses stock return performances using Sharpe and Sortino ratios and measures operational efficiency through Data Envelopment Analysis (DEA). It further addresses customer acquisition strategies, mobile app engagement trends, and regulatory frameworks including Banking-as-a-Service (BaaS) guidelines established by Turkey's BRSA (BDDK). Illustrating the digital transformation, risks, and strategic opportunities within modern finance through empirical data, this work serves as an indispensable reference for academics, banking professionals, researchers, and financial enthusiasts.
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