Kuveyt Türk payment systems technology roadmap
| dc.contributor.advisor | Kuleli Pak, Burcu | |
| dc.contributor.author | Turan, Ayşe | |
| dc.date.accessioned | 2015-03-03T09:18:50Z | |
| dc.date.available | 2015-03-03T09:18:50Z | |
| dc.date.issued | 2014-07 | |
| dc.date.submitted | 2014-07 | |
| dc.department | Doğuş Üniversitesi, Fen Bilimleri Enstitüsü, Mühendislik ve Teknoloji Yönetimi Yüksek Lisans Programı | en_US |
| dc.description.abstract | With the spread of computers and internet, we have witnessed a technologic revolution in financial markets. Payment systems became one of the profitable market in both Turkey and the world thanks to the information technology (IT). The remarkable evolutions have been made on payment systems due to the development of information technology in the world. In Addition, rapid developments in technological products are confronting traditional banks with major challenges. Competition in Turkey payment system market has also increased in these days. Therefore, most banks in turkey aim to increase their profitability and customer numbers by following technology trends and making investments on research and development (R&D). Some of technology trends have been applied to Kuveyt Turk Payment Systems. However, some have not been applied to payment systems in Kuveyt Turk yet. Aim of thesis study is; - to observe current structure of Kuveyt Turk Payment Systems, - to find key gaps and opportunities in the current payment environment both Turkey and the world, - to help capturing these opportunities for future of Kuveyt Turk Payment Systems, - to help determining potential strategies and tactics to shape the future of the Kuveyt Turk Payment System, - to develop technology road map by making using of SWOT and QSPM that are used as strategic planning tools. | en_US |
| dc.description.abstract | Bilgisayar ve internetin yaygınlaşmasıyla mali pazarlarda teknolojik devrimlere tanık oluyoruz. Ödeme sistemleri bilgi teknolojilerindeki gelişmeler sayesinde hem dünyada hem Türkiye’de en önemli kar getiren pazarlardan biri olmuştur. Dünyadaki bilgi teknolojileri gelişimi ödeme sistemlerinde birçok yenilikleri getirmiştir. Buna ek olarak teknoloji ürünlerindeki hızlı gelişmeler geleneksel bankaları büyük değişimler yapmaya zorluyor. Türkiye’ deki ödeme sistemleri pazarındaki rekabet her gecen gün artmaktadır. Bunun beraberinde Türkiye pazarında çoğu bankalar araştırma ve geliştirmeye yatırım yaparak ve teknolojik trendleri takip ederek müşteri sayısını ve karlılığını artırmayı hedeflemektedir. Kuveyt Turk’ te teknolojik trendlerin bir kısmını mevcut bünyesinde uygulamış olup bir kısmını henüz uygulamamıştır. Bu çalışmanın amacı; - Kuveyt Türk ödeme sistemlerinin mevcut yapısını incelemek, - Türkiye ve dünyadaki mevcut ödeme sistemlerinin fırsatlarını ve tehditlerini belirlemek, - Kuveyt Türk ödeme sistemlerinin olası fırsatları yakalamasına yardım etmek, - Kuveyt Türk ödeme sistemlerinin geleceğinin şekillenmesine katkıda bulunmak için olası strateji ve tatikleri belirlemek, - Stratejik planlama aracı olarak kullanılan SWOT ve QSPM den faydalanarak teknoloji yol haritasını geliştirmek. | en_US |
| dc.description.tableofcontents | ACKNOWLEDGEMENTS, iii -- ABSTRACT, iv -- ÖZET, v -- LIST OF FIGURES, x -- LIST OF TABLES, xi -- LIST OF ABBREVIATIONS, xii -- 1. INTRODUCTION, 1 -- 1.1 Participants in a Payment System, 2 -- 1.2 Types of Payment Systems, 2 -- 1.2.1 Large-value Payment Systems (LVPS), 2 -- 1.2.2 Retail Payments, 3 -- 1.2.3 Retail Payment Instruments, 3 -- 1.2.3.1.1 Cash payments, 3 -- 1.2.3.1.2 Non-cash payments, 4 -- 1.2.3.1.2.1 Payment Cards, 4 -- 1.2.3.1.2.1.1 Credit Cards, 5 -- 1.2.3.1.2.1.2 Prepaid Cards, 5 -- 1.2.3.1.2.1.4 Credit, Prepaid and Debit Cards Comparison Chart, 8 -- 1.2.3.1.2.1.5 E-Cash, 9 -- 2. PAYMENT SYSTEMS IN TURKEY, 11 -- 2.1 Introduction, 11 -- 2.2 General Overview, 11 -- 2.3 Large-value Payment Systems, 11 -- 2.3.1 The real-time gross settlement system: TIC-RTGS, 11 -- 2.3.2 The Takasbank Clearing System (TCS), 12 -- 2.4 Retail Payment, 12 -- 2.4.1 Retail payment systems, 12 -- 2.4.1.1 Interbank Card Centre (BKM), 12 -- 2.4.1.2 Interbank Clearing Houses Centre (BTOM), 13 -- 2.4.2 Retail payment instruments, 13 -- 2.4.2.1 Cash, 13 -- 2.4.2.2 Payment Cards, 14 -- 2.4.2.2.1 Credit Cards, 14 -- 2.4.2.2.2 Debit Cards, 15 -- 2.4.2.2.3 Prepaid Cards, 16 -- 3. TECHONOLOGY TRENDS IN PAYMENT SYSTEMS, 18 -- 3.1 Smart Card, 18 -- 3.1.1 Features of Smart Card, 19 -- 3.1.2 Smart card applications in the world, 19 -- 3.1.3 Smart card applications in Turkey, 20 -- 3.2 E-Wallet, 21 -- 3.2.1 E-Wallet security, 22 -- 3.2.2 Benefits of e-wallet, 22 -- 3.2.3 E-wallet applications in the world, 23 -- 3.2.3.1 Microsoft E-wallet, 23 -- 3.2.3.2 Google Wallet, 23 -- 3.2.4 E-wallet applications in Turkey, 24 -- 3.2.4.1 Vodafone Cep Cüzdan, 24 -- 3.2.4.2 Turkcell Cüzdan, 24 -- 3.3 NFC (Near Field Communication), 25 -- 3.3.1 Benefits of NFC Payment, 26 -- 3.3.2 NFC applications in the world, 26 -- 3.3.3 NFC applications in Turkey, 28 -- 3.3.3.1 Mobile Payment, 28 -- 3.3.3.2 Transportation Projects (Konya Transportation Project), 29 -- 3.4 Biometric Payment System, 29 -- 3.4.1 Fingerprint scanning, 30 -- 3.4.2 Other biometric types and applications in the world, 30 -- 3.4.2.1 Face recognition, 30 -- 3.4.2.2 Hand geometry and palm print scanning, 30 -- 3.4.2.3 Iris scanning, 31 -- 3.4.2.4 Voice recognition, 31 -- 3.4.3 Biometric applications in Turkey, 31 -- 4. KUVEYT TURK PAYMENT SYSTEMS, 33 -- 4.1 Generel Overview, 33 -- 4.2 Kuveyt Turk Payment System Management, 33 -- 4.2.1 Credit Cards Data Entry and Inquiry, 34 -- 4.2.2 Credit Card Operations, 34 -- 4.2.3 Security and Fraud, 35 -- 4.2.4 Alternative Delivery Channel (ADC) Operations, 36 -- 4.2.4.1 ATM Operations, 36 -- 4.2.4.2 POS Operations, 36 -- 4.3 Payment instruments, 37 -- 4.3.1 Cash, 37 -- 4.3.2 Payment Cards, 37 -- 4.3.2.1 Credit cards, 37 -- 4.3.2.2 Debit Cards, 39 -- 4.4 Kuveyt Turk Information Technology, 40 -- 4.4.1 Payment Systems in Kuveyt Turk Information Technology, 41 -- 5. TECHNOLOGY ROADMAP LITERATURE REVIEW, 46 -- 5.1. Technology Road Mapping Processes, 47 -- 5.1.1. Fast-Start technology road mapping (T-Plan), 48 -- 5.1.2. Standard technology road mapping, 51 -- 5.2. Strategic Planning, 54 -- 5.2.1. Strategic Planning Tools, 55 -- 5.2.1.1. SWOT Matrix, 55 -- 5.2.1.2. The Boston Consulting Group (BCG) Matrix, 56 -- 5.2.1.3. The Strategic Position and Action Evaluation (SPACE) Matrix, 57 -- 5.2.1.4. The Quantitative Strategic Planning Matrix (QSPM), 59 -- 6. METHODOLOGY, 62 -- 7. DEVELOPING TECHNOLOGY ROADMAP FOR KUVEYT TURK PAYMENT SYSTEMS, 64 -- 7.1 SWOT, 64 -- 7.1.1 Strengths, 64 -- 7.1.2 Weaknesses, 65 -- 7.1.3 Opportunities, 66 -- 7.1.4 Threats, 68 -- 7.1.5 Strategies, 68 -- 7.1.5.1 SO (Strengths-Opportunities) Strategies, 69 -- 7.1.5.2 WO (Weaknesses-Opportunities) Strategies, 70 -- 7.1.5.3 ST (Strengths-Threats) Strategies, 70 -- 7.1.5.4 WT (Weaknesses-Threats) Strategies, 70 -- 7.2 Evaluating and Prioritizing Strategies, 71 -- 7.3 Prioritizing Technologies on QSPM matrix, 77 -- 8. CONCLUSION, 78 -- REFERENCES, 80 -- APPENDIXES, 89 -- Appendix 1, 89 -- RESUME, 99 | en_US |
| dc.identifier.citation | TURAN, A. (2014). Kuveyt Türk payment systems technology roadmap. Yayımlanmamış yüksek lisans tezi. İstanbul: Doğuş Üniversitesi Fen Bilimleri Enstitüsü. | en_US |
| dc.identifier.uri | https://hdl.handle.net/11376/1046 | |
| dc.identifier.yoktezid | 376049 | |
| dc.institutionauthor | Turan, Ayşe | |
| dc.language.iso | en | en_US |
| dc.publisher | Doğuş Üniversitesi Fen Bilimleri Enstitüsü | en_US |
| dc.relation.publicationcategory | Tez | en_US |
| dc.rights | info:eu-repo/semantics/openAccess | en_US |
| dc.subject | Kuveyt Türk | en_US |
| dc.subject | Payment Systems | en_US |
| dc.subject | Kuveyt Türk | en_US |
| dc.subject | Ödeme Sistemleri | en_US |
| dc.subject | Bankacılık ve Finansal Hizmetler | en_US |
| dc.subject | Banking and Financial Services | en_US |
| dc.title | Kuveyt Türk payment systems technology roadmap | en_US |
| dc.title.alternative | Kuveyt Türk payment systems technology roadmap | en_US |
| dc.type | Master Thesis | en_US |
