{"id":124347,"date":"2012-12-07T23:41:53","date_gmt":"2012-12-07T21:41:53","guid":{"rendered":"http:\/\/www.nationalturk.com\/?p=124347"},"modified":"2012-12-07T23:41:53","modified_gmt":"2012-12-07T21:41:53","slug":"merkez-bankasi-eft-perakende-sistemi-124347","status":"publish","type":"post","link":"https:\/\/www.nationalturk.com\/tr\/merkez-bankasi-eft-perakende-sistemi-124347\/","title":{"rendered":"Merkez Bankas\u0131, EFT\u2019de \u2018perakende\u2019 sistemine ge\u00e7ti"},"content":{"rendered":"<h1><a href=\"http:\/\/www.nationalturk.com\/tr\/wp-content\/uploads\/2012\/12\/merkez-bankasi-eft.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-124348\" title=\"Merkez Bankas\u0131, EFT\u2019de \u2018perakende\u2019 sistemine ge\u00e7ti\" src=\"http:\/\/www.nationalturk.com\/tr\/wp-content\/uploads\/2012\/12\/merkez-bankasi-eft.jpg\" alt=\"\" width=\"224\" height=\"180\"><\/a>Merkez Bankas\u0131, yeni bir sisteme ge\u00e7ti.Merkez Bankas\u0131,bir s\u00fcredir \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131 elektronik ortamda para transferi projesinde \u00f6nemli bir ad\u0131m att\u0131.<\/h1>\n<p>Art\u0131k d\u00fc\u015f\u00fck tutarl\u0131 elektronik para transferleri Perakende \u00d6deme Sistemi (P\u00d6S) olarak ayr\u0131\u015ft\u0131r\u0131ld\u0131. Bug\u00fcn itibar\u0131yla devreye giren sistem sayesinde mevcut EFT sistemindeki \u00f6demelerin say\u0131ca y\u00fczde 98\u2019ini olu\u015fturan d\u00fc\u015f\u00fck tutarl\u0131 m\u00fc\u015fteri \u00f6demeleri i\u015flenecek.<\/p>\n<p>Bankalar aras\u0131nda ger\u00e7ekle\u015ftirilen T\u00fcrk liras\u0131 \u00f6demeleri Merkez Bankas\u0131\u2019n\u0131n sahibi ve i\u015fleticisi oldu\u011fu Elektronik Fon Transfer (EFT) Sistemi \u00fczerinden yap\u0131l\u0131yor. 1992 y\u0131l\u0131nda hizmete al\u0131nan ve 2000 y\u0131l\u0131ndan itibaren Elektronik Menkul K\u0131ymet Transfer (EMKT) sistemi ile b\u00fct\u00fcnle\u015fik olarak \u00e7al\u0131\u015fan sistemde g\u00fcnl\u00fck ortalama 130 milyar TL tutar\u0131nda ve 800.000 civar\u0131nda \u00f6deme ger\u00e7ekle\u015fiyor.<\/p>\n<p>Para otoritesi, s\u00f6z konusu sistemi teknolojik ve operasyonel olarak daha esnek, platform ba\u011f\u0131ms\u0131z, maliyet etkin ve verimli olacak \u015fekilde 2011 y\u0131l\u0131nda yeniden yap\u0131land\u0131r\u0131lmas\u0131n\u0131 kararla\u015ft\u0131rm\u0131\u015ft\u0131. Bu \u00e7er\u00e7evede, bankac\u0131l\u0131k sekt\u00f6r\u00fc ile e\u015fg\u00fcd\u00fcml\u00fc olarak y\u00fcr\u00fct\u00fclen projeler sonucunda, bankalar ile TCMB aras\u0131nda Kat\u0131l\u0131mc\u0131 Aray\u00fcz\u00fc Sistemi 1 Ekim 2012 tarihinde i\u015fletime al\u0131nd\u0131. Bu tarihten itibaren Merkez Bankas\u0131 nezdinde ger\u00e7ekle\u015ftirilen b\u00fct\u00fcn ihalelere ili\u015fkin i\u015flemler bu yeni sistem arac\u0131l\u0131\u011f\u0131 ile y\u00fcr\u00fct\u00fclmeye ba\u015fland\u0131. Kat\u0131l\u0131mc\u0131 Aray\u00fcz\u00fc Sistemi, TCMB taraf\u0131ndan geli\u015ftirilen ve \u00f6n\u00fcm\u00fczdeki d\u00f6nemde geli\u015ftirilecek olan b\u00fct\u00fcn \u00f6deme sistemleri bile\u015fenlerine hizmet vermeye devam edecek.<\/p>\n<p>Bu \u00e7er\u00e7evede en \u00f6nemli ad\u0131mlardan birisi de bug\u00fcn at\u0131larak, yeni yap\u0131daki ilk \u00f6deme sistemi olan Perakende \u00d6deme Sistemi (P\u00d6S) hizmete al\u0131nd\u0131. P\u00d6S, mevcut EFT sistemindeki \u00f6demelerin bug\u00fcn itibariyle say\u0131ca y\u00fczde 98\u2019ini olu\u015fturan d\u00fc\u015f\u00fck tutarl\u0131 m\u00fc\u015fteri \u00f6demelerinin i\u015flendi\u011fi bir sistem olarak konumland\u0131r\u0131ld\u0131. Art\u0131k hesaba ve isme yap\u0131lan m\u00fc\u015fteri \u00f6demeleri, kamu \u00f6demeleri, konut, i\u015f yeri ve di\u011fer kira \u00f6demeleri, maa\u015f \u00f6demeleri ve kredi kart\u0131 \u00f6demeleri ile ilgili mesajlar ger\u00e7ek zamanl\u0131 birebir mutabakat ilkesi ile bu sistemde i\u015flenecek. \u00d6demeler, kat\u0131l\u0131mc\u0131 bankalar\u0131n sistemdeki hesaplar\u0131nda yeterli fon bulunmas\u0131 halinde bekletilmeden ger\u00e7ekle\u015ftirilecek.<\/p>\n<p>P\u00d6S\u2019\u00fcn devreye al\u0131nmas\u0131 ile birlikte mevcut EFT sistemi sadece y\u00fcksek tutarl\u0131 ve sistemik \u00f6nemi olan bankac\u0131l\u0131k i\u015flemlerinin ger\u00e7ekle\u015ftirildi\u011fi bir \u00f6deme sistemi olarak \u00e7al\u0131\u015facak. 2013 y\u0131l\u0131 i\u00e7inde tamamlanmas\u0131 planlanan \u00f6deme sistemleri yeniden yap\u0131land\u0131rma stratejisinin son a\u015famas\u0131nda ise EFT ve EMKT sistemlerinin de TCMB taraf\u0131ndan geli\u015ftirilen yaz\u0131l\u0131mlarla yenilenerek \u00f6deme sistemlerinde daha esnek, modern ve maliyet etkin bir yap\u0131ya ge\u00e7ilmesi hedefleniyor.<\/p>\n<!-- Error, Advert is not available at this time due to schedule\/geolocation restrictions! -->\n<!-- Error, Advert is not available at this time due to schedule\/geolocation restrictions! -->\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131,bir s\u00fcredir \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131 elektronik ortamda para transferi projesinde \u00f6nemli bir ad\u0131m att\u0131.<\/p>\n","protected":false},"author":3,"featured_media":124348,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6155,5005,6805],"tags":[10463],"class_list":["post-124347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem","category-manset","category-turkiye","tag-merkez-bankasi"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/124347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/comments?post=124347"}],"version-history":[{"count":0,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/124347\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media\/124348"}],"wp:attachment":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media?parent=124347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/categories?post=124347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/tags?post=124347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}