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Çağdaş Bir Finans Endüstrisi: Dijital Finans Kavramına Genel Bir Bakış

Year 2022, Volume: 6 Issue: 2, 133 - 138, 31.12.2022
https://doi.org/10.47257/busad.1209919

Abstract

1980’li yıllar ama daha ziyade 1990’lı yıllar bilgi iletişim teknolojilerindeki çarpıcı, olağanüstü hızlı gelişimlerin yaşandığı zaman dönemleri olarak ifade edilebilir. Özellikle internet teknolojisi bu döneme damgasını vurmuştur. Ekonomi ve işletmeciliğin belki de en dinamik tarafı olan finans endüstrisi de bu değişimden payını almıştır. Finans sektörü ama özellikle de dijital finans son derece önemli, vazgeçilmez bir hal almıştır. Finansal teknoloji ya da diğer bir ifadeyle FinTech, finans ve teknolojinin bütünleşmesini sağlamak suretiyle finansal işlem ve hizmetleri daha da hızlı ve kaliteli hale getirmeyi amaç edinen ve halen gelişimi devam eden bir finans endüstrisidir. Bu çalışmada dijital finans kavramına genel bir bakış sağlamak amaçlanmaktadır.

References

  • ALLEN, F,, McANDREWS, J., STRAHAN, P. (2002), E-Finance: an introduction. Journal of Financial Services Research, 22(1):5–27.
  • ARUMUGAM, M., CUSİCK, K. (2008), General insurance 2020: insurance for the individual. https://actuaries.asn.au/Library/GIS08_8b_Paper_Arumugam_General%20Insurance%202020.pdf
  • AYONDO MARKETS LTD (2016), Social trading: innovative network trading. https://www.ayondo.com/en/social-trading/.
  • BANKS, E. (2001), e-Finance: the electronic revolution, 1st edn. Wiley, Chichester.
  • BARBER, B.M., ODEAN, T. (2001), The internet and the investor. Journal of Economic Perspectives, 15(1):41–54.
  • BARBER, B.M., ODEAN, T. (2002), Online investors: do the slow die first? The Review of Financial Studies, 15(2):455–487.
  • DE BEL. J, GAZA, M. (2011), Mobile payments 2012: my mobile, my wallet?http://docplayer.net/38248049-Mobile-payments-my-mobile-my-wallet.html.
  • BİAİS, B., FOUCAULT, T. (2014), HFT and market quality. Bankers, Markets and Investors, 128:5–19.
  • BRADFORD, T., KEETON, W.R. (2012), New person-to-person payment method: have checks met their match. Economic Review, (3rd Quarter).
  • CHORDİA, T., GOYAL, A., LEHMANN, B.N., and SAAR, G. (2013), High-frequency trading. Journal of Financial Markets, 16(4):637–645.
  • CHRISTIENSEN, C. (1997), The innovator’s dilemma: the revolutionary book that will change the way you do business. HarperBusiness, New York.
  • CONTİNİ, D., CROWE, M., MERİTT, C., OLİVER, R. (2011), Mobile payments in the United States: mapping out the road ahead. file:///C:/Users/USER/Downloads/mobile-payments-mapping.pdf.
  • DAHLBERG, T., MALLAT, N., ONDRUS, J., ZMİJEWSKA, A. (2008), Past, present and future of mobile payments research: a literature review. Electronic Commerce Research and Applications, 7(2):165–181.
  • DAPP, T. (2014), Fintech—Die digitale (R)evolution im Finanzsektor: Algorithmenbasiertes Banking mit human touch.
  • Digital Finance Institute (2015), Innovation: innovation matters. http://digifin.org/digital-finance-innovation/. DOERİNG, P., NEUMANN, S., PAUL, S. (2015), A primer on social trading networks, institutional aspects and empirical evidence. Working paper 5th May, 2015.
  • EBRİNGER, T., THORNE, P., ZHENG, Y. (2000), Parasitic authentication to protect your e-wallet. Computer, 33(10):54–60.
  • ETORO LTD (2016), What Is social trading? http://www.etoro.com/en/social-trading/.
  • FOREX CAPİTAL MARKETS (2016), Trade directly from charts. https://www.fxcm.com/platforms/trading-station/powerful-charts/
  • FRİENDSURANCE (2016), So funktioniert der Schadensfrei-Bonus. https://www.friendsurance.de/so-funktionierts.
  • GATTENİO, C.A. (2002), Digitizing finance: views from the leading edge. Financial Executive, 18(2):49–51.
  • GOMBER, P., ARNDT, B., LUTAT,t M., UHLE, T. (2011), High-frequency trading. SSRN J SSRN: https://ssrn.com/abstract=1858626 or http://dx.doi.org/10.2139/ssrn.1858626
  • GOTTSCHLİCH, J., HİNZ, O. (2014), A decision support system for stock investment recommendations using collective wisdom. Decision Support Systems, 59:52–62.
  • HARTMANN, M.E. (2006), E-Payments Evolution. In: Lammer T (ed) Handbuch E-Money, E-Payment & M-Payment. Physica-Verlag, Heidelberg.
  • HEMMADI, M. (2015), FinTech is both friend and FOE. Canadian Business, 88(6):10-11.
  • KİM, H., CHAN, H.C., GUPTA, S. (2007), Value-based adoption of mobile internet: an empirical investigation. Decision Support Systems, 43(1):111–126.
  • KİNG, A. (2014), Fintech: throwing down the gauntlet to financial services. http://www.unquote.com/unquote/analysis/74596/fintech-throwing-down-the-gauntlet-to-financial-services.
  • LECHNER, S., and NOLTE, I. (2009), Customer trading in the foreign exchange market: empirical evidence from an internet trading platform version. Working paper 20 Jul 2009.
  • LEE, P. (2015a), The fintech entrepreneurs aiming to reinvent finance. Euromoney (UK) 46(552):42–48.
  • LEE, S. (2015b), Fintech and Korea’s financial investment industry. KCMI—Capital Market Opinion.
  • LİM, A.S. (2008), Inter-consortia battles in mobile payments standardisation. Electronic Commerce Research and Applications, 7(2):202–213.
  • MALLAT, N. (2007), Exploring consumer adoption of mobile payments—a qualitative study. The Journal ofJ Strategic Information Systems, 16(4):413–432.
  • MENKVELD, A.J. (2016), The economics of high-frequency trading: taking stock. AnnuAL Review of Financial Economics, 8:1–24.
  • MERRİTT, C. (2010), Mobile money transfer services: the next phase in the evolution in person-to-person payments. Working paper Aug 2010.
  • MOENNİNGHOFF, S.C., WİEANDT, A. (2012), The future of peer-to-peer finance. Schmalenbachs Zeitschrift für betriebswirtschaftliche Forschung, 65(5):466–487.
  • OANDA Corporation (2016), OANDA retail trading platforms. http://www.oanda.com/forex-trading/platform/ O’HARA, M. (2015), High frequency market microstructure. Journal of Financial Economics, 116(2):257–270.
  • PAN, W., ALTSHULER, Y., PENTLAND, A. (2012), Decoding social influence and the wisdom of the crowd in financial trading network. In: Proceedings of the international conference on privacy, security, risk and trust (PASSAT 2012), Amsterdam, Netherlands, pp 203–209.
  • PETZEL, E. (ed) (2005), E-Finance: Technologien, Strategien und Geschäftsmodelle—Mit Praxisbeispielen. Gabler Verlag, Wiesbaden.
  • RİZZO, M.(2014), Digital Finance: empowering the poor via new technologies. http://www.worldbank.org/en/news/feature/2014/04/10/digital-finance-empowering-poor-new-technologies.
  • SEC (2014), Equity market structure literature review part II: high frequency trading.
  • SHETTY, S., SHETTY, T., AMALE, R. (2014), QR-code based digital wallet. International Journal of Advanced Research in Computer Science, 5(7):1
  • SKAN, J., DICKERSON, J., MASOOD, S. (2015), The future of fintech and banking: digitally disrupted or reimagined? https://www.accenture.com/_acnmedia/Accenture/Conversion-Assets/DotCom/Documents/Global/PDF/Dualpub_11/Accenture-Future-Fintech-Banking.pdf#zoom=50.
  • TAİ, Y., and KU, Y. (2013), Will stock investors use mobile stock trading? A benefit-risk assessment based on a modified utaut model. Journal of Electronic Commerce Research, 14(1):67.
  • WEİR, C.S., ANDERSON, J.N., JACK, M.A. (2006), On the role of metaphor and language in design of third party payments in eBanking: usability and quality. Internation Journal of Human Computer Studies, 64(8):770–784.
  • ZASK, E. (ed) (2001), The E-finance report. McGraw-Hill, New York.
  • ZAVOLOKINA, L., DOLATA, M., SCHWABE, G. (2016), FinTech—what’s in a name? In: Thirty Seventh international conference on information systems (ICIS 2016), Dublin.
  • ZHANG, Z., TEO, H.H. (2014), The impact of mobile trading technology on individual investors’ trading behaviors: the “Two-Edged Sword” effect. In: Proceedings of the twenty second European conference on information systems (ECIS 2014), Tel Aviv, Israel.

A Modern Financial Industry: A General Look to the Concept of Digital Finance

Year 2022, Volume: 6 Issue: 2, 133 - 138, 31.12.2022
https://doi.org/10.47257/busad.1209919

Abstract

The years of 1980s, but especially the years of 1990s, can be described as a time period that dramatic, extraordinarily rapid advancements had took place in information communication technologies. Especially, internet technology had put its mark to this time period. The financial industry which is perhaps the most dynamic side of the economy and business also had taken its share from this change. The financial sector, but especially digital finance, had taken an extremely important, indispensable situation. Financial technology or in other words FinTech is a financial industry that aims to make financial transactions and services faster and more qualified by enabling the integration of finance and technology and has still continued to develop. In this study, it is aimed to provide a general look to the concept of digital finance.

References

  • ALLEN, F,, McANDREWS, J., STRAHAN, P. (2002), E-Finance: an introduction. Journal of Financial Services Research, 22(1):5–27.
  • ARUMUGAM, M., CUSİCK, K. (2008), General insurance 2020: insurance for the individual. https://actuaries.asn.au/Library/GIS08_8b_Paper_Arumugam_General%20Insurance%202020.pdf
  • AYONDO MARKETS LTD (2016), Social trading: innovative network trading. https://www.ayondo.com/en/social-trading/.
  • BANKS, E. (2001), e-Finance: the electronic revolution, 1st edn. Wiley, Chichester.
  • BARBER, B.M., ODEAN, T. (2001), The internet and the investor. Journal of Economic Perspectives, 15(1):41–54.
  • BARBER, B.M., ODEAN, T. (2002), Online investors: do the slow die first? The Review of Financial Studies, 15(2):455–487.
  • DE BEL. J, GAZA, M. (2011), Mobile payments 2012: my mobile, my wallet?http://docplayer.net/38248049-Mobile-payments-my-mobile-my-wallet.html.
  • BİAİS, B., FOUCAULT, T. (2014), HFT and market quality. Bankers, Markets and Investors, 128:5–19.
  • BRADFORD, T., KEETON, W.R. (2012), New person-to-person payment method: have checks met their match. Economic Review, (3rd Quarter).
  • CHORDİA, T., GOYAL, A., LEHMANN, B.N., and SAAR, G. (2013), High-frequency trading. Journal of Financial Markets, 16(4):637–645.
  • CHRISTIENSEN, C. (1997), The innovator’s dilemma: the revolutionary book that will change the way you do business. HarperBusiness, New York.
  • CONTİNİ, D., CROWE, M., MERİTT, C., OLİVER, R. (2011), Mobile payments in the United States: mapping out the road ahead. file:///C:/Users/USER/Downloads/mobile-payments-mapping.pdf.
  • DAHLBERG, T., MALLAT, N., ONDRUS, J., ZMİJEWSKA, A. (2008), Past, present and future of mobile payments research: a literature review. Electronic Commerce Research and Applications, 7(2):165–181.
  • DAPP, T. (2014), Fintech—Die digitale (R)evolution im Finanzsektor: Algorithmenbasiertes Banking mit human touch.
  • Digital Finance Institute (2015), Innovation: innovation matters. http://digifin.org/digital-finance-innovation/. DOERİNG, P., NEUMANN, S., PAUL, S. (2015), A primer on social trading networks, institutional aspects and empirical evidence. Working paper 5th May, 2015.
  • EBRİNGER, T., THORNE, P., ZHENG, Y. (2000), Parasitic authentication to protect your e-wallet. Computer, 33(10):54–60.
  • ETORO LTD (2016), What Is social trading? http://www.etoro.com/en/social-trading/.
  • FOREX CAPİTAL MARKETS (2016), Trade directly from charts. https://www.fxcm.com/platforms/trading-station/powerful-charts/
  • FRİENDSURANCE (2016), So funktioniert der Schadensfrei-Bonus. https://www.friendsurance.de/so-funktionierts.
  • GATTENİO, C.A. (2002), Digitizing finance: views from the leading edge. Financial Executive, 18(2):49–51.
  • GOMBER, P., ARNDT, B., LUTAT,t M., UHLE, T. (2011), High-frequency trading. SSRN J SSRN: https://ssrn.com/abstract=1858626 or http://dx.doi.org/10.2139/ssrn.1858626
  • GOTTSCHLİCH, J., HİNZ, O. (2014), A decision support system for stock investment recommendations using collective wisdom. Decision Support Systems, 59:52–62.
  • HARTMANN, M.E. (2006), E-Payments Evolution. In: Lammer T (ed) Handbuch E-Money, E-Payment & M-Payment. Physica-Verlag, Heidelberg.
  • HEMMADI, M. (2015), FinTech is both friend and FOE. Canadian Business, 88(6):10-11.
  • KİM, H., CHAN, H.C., GUPTA, S. (2007), Value-based adoption of mobile internet: an empirical investigation. Decision Support Systems, 43(1):111–126.
  • KİNG, A. (2014), Fintech: throwing down the gauntlet to financial services. http://www.unquote.com/unquote/analysis/74596/fintech-throwing-down-the-gauntlet-to-financial-services.
  • LECHNER, S., and NOLTE, I. (2009), Customer trading in the foreign exchange market: empirical evidence from an internet trading platform version. Working paper 20 Jul 2009.
  • LEE, P. (2015a), The fintech entrepreneurs aiming to reinvent finance. Euromoney (UK) 46(552):42–48.
  • LEE, S. (2015b), Fintech and Korea’s financial investment industry. KCMI—Capital Market Opinion.
  • LİM, A.S. (2008), Inter-consortia battles in mobile payments standardisation. Electronic Commerce Research and Applications, 7(2):202–213.
  • MALLAT, N. (2007), Exploring consumer adoption of mobile payments—a qualitative study. The Journal ofJ Strategic Information Systems, 16(4):413–432.
  • MENKVELD, A.J. (2016), The economics of high-frequency trading: taking stock. AnnuAL Review of Financial Economics, 8:1–24.
  • MERRİTT, C. (2010), Mobile money transfer services: the next phase in the evolution in person-to-person payments. Working paper Aug 2010.
  • MOENNİNGHOFF, S.C., WİEANDT, A. (2012), The future of peer-to-peer finance. Schmalenbachs Zeitschrift für betriebswirtschaftliche Forschung, 65(5):466–487.
  • OANDA Corporation (2016), OANDA retail trading platforms. http://www.oanda.com/forex-trading/platform/ O’HARA, M. (2015), High frequency market microstructure. Journal of Financial Economics, 116(2):257–270.
  • PAN, W., ALTSHULER, Y., PENTLAND, A. (2012), Decoding social influence and the wisdom of the crowd in financial trading network. In: Proceedings of the international conference on privacy, security, risk and trust (PASSAT 2012), Amsterdam, Netherlands, pp 203–209.
  • PETZEL, E. (ed) (2005), E-Finance: Technologien, Strategien und Geschäftsmodelle—Mit Praxisbeispielen. Gabler Verlag, Wiesbaden.
  • RİZZO, M.(2014), Digital Finance: empowering the poor via new technologies. http://www.worldbank.org/en/news/feature/2014/04/10/digital-finance-empowering-poor-new-technologies.
  • SEC (2014), Equity market structure literature review part II: high frequency trading.
  • SHETTY, S., SHETTY, T., AMALE, R. (2014), QR-code based digital wallet. International Journal of Advanced Research in Computer Science, 5(7):1
  • SKAN, J., DICKERSON, J., MASOOD, S. (2015), The future of fintech and banking: digitally disrupted or reimagined? https://www.accenture.com/_acnmedia/Accenture/Conversion-Assets/DotCom/Documents/Global/PDF/Dualpub_11/Accenture-Future-Fintech-Banking.pdf#zoom=50.
  • TAİ, Y., and KU, Y. (2013), Will stock investors use mobile stock trading? A benefit-risk assessment based on a modified utaut model. Journal of Electronic Commerce Research, 14(1):67.
  • WEİR, C.S., ANDERSON, J.N., JACK, M.A. (2006), On the role of metaphor and language in design of third party payments in eBanking: usability and quality. Internation Journal of Human Computer Studies, 64(8):770–784.
  • ZASK, E. (ed) (2001), The E-finance report. McGraw-Hill, New York.
  • ZAVOLOKINA, L., DOLATA, M., SCHWABE, G. (2016), FinTech—what’s in a name? In: Thirty Seventh international conference on information systems (ICIS 2016), Dublin.
  • ZHANG, Z., TEO, H.H. (2014), The impact of mobile trading technology on individual investors’ trading behaviors: the “Two-Edged Sword” effect. In: Proceedings of the twenty second European conference on information systems (ECIS 2014), Tel Aviv, Israel.
There are 46 citations in total.

Details

Primary Language Turkish
Subjects Business Administration
Journal Section Reseach Article
Authors

Cumhur Şahin 0000-0002-8790-5851

Publication Date December 31, 2022
Acceptance Date December 27, 2022
Published in Issue Year 2022 Volume: 6 Issue: 2

Cite

APA Şahin, C. (2022). Çağdaş Bir Finans Endüstrisi: Dijital Finans Kavramına Genel Bir Bakış. Bilge Uluslararası Sosyal Araştırmalar Dergisi, 6(2), 133-138. https://doi.org/10.47257/busad.1209919