��ࡱ�>�� WZ����V��������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������[����Lbjbj����=Rΐΐ �������� � ������������8&,R��!�n�&&&&!!!!!!!$#��%>,!!�,!��&&�M!���V�&�&!�!��n � &�����_��S���W�� � c!0�!� �%-X�%� � �%�� H�,!,!��!���������������������������������������������������������������������%� �:Mobil Fintech Uygulamas1 Kullan1m1 COVID-19'un Etkisiyle 2020'nin 0lk Yar1s1nda H1zla Artt1 �deme uygulamalar1n1n oturum say1s1, �lkeler aras1nda ortalama %49 artt1. En �arp1c1 b�y�me oranlar1n1n g�r�ld�� �lkeler, Japonya (%75), Almanya (%45), T�rkiye (%39), ABD (%33) ve 0ngiltere (%29) oldu. 0stanbul 7 Ekim 2020 -- K�resel uygulama pazarlamas1 platformu HYPERLINK "https://www.adjust.com/" \hAdjust ve uygulama istatistikleri salay1c1s1 HYPERLINK "https://apptopia.com/" \hApptopia, bug�n Mobil Finans Raporu 2020'yi yay1nlad1. Bankac1l1k, �deme ve yat1r1m uygulamalar1n1n k�resel bir deerlendirmesini sunan rapor, zaten g��l� bir b�y�me i�inde olan finansal teknoloji uygulamalar1n1n COVID-19'un etkisiyle 2020'de daha da h1zl1 b�y�d��n� g�steriyor. 2019'un ilk yar1s1 ile 2020'nin ilk yar1s1 kar_1la_t1r1ld11nda, �al1_maya dahil edilen �lkelerin Adjust ve Apptopia verileri _unlar1 g�steriyor: Kullan1c1lar1n dorudan telefonlar1ndan hisse senedi al1p satmalar1n1 salayan yat1r1m uygulamalar1n1n kullan1m1 h1zla art1yor. Bu uygulamalar1n g�nl�k oturumlar1 Ocak-Haziran 2020 aras1nda ortalama %88 artt1. Acorns, Gatsby ve Stash gibi yat1r1m platformlar1n1n uygulamalar1, yat1r1m yapmay1 kolayla_t1rarak kitleler i�in daha eri_ilebilir k1l1yor. Yat1r1m uygulamalar1 k�resel olarak, Adjust'1n 2020'de takip ettii sekt�rler i�erisinde casual ve hyper-casual oyunlar1 geride b1rakarak en y�ksek ikinci b�y�me oran1na sahip oldu. �deme uygulamalar1n1n oturum say1s1, �al1_mam1zdaki �lkeler aras1nda ortalama %49 artt1. En �arp1c1 b�y�me oranlar1n1n g�r�ld�� �lkeler, Japonya (%75), Almanya (%45), T�rkiye (%39), ABD (%33) ve 0ngiltere (%29) oldu. Kullan1c1lar i_lemlerini sosyal mesafe kurallar1na uyarak yapmak i�in telefonlar1n1 gittik�e daha �ok kullan1yorlar. T�rkiye de mobil bankac1l1k ve uygulamalar1 kullan1m1 %31 artt1. Bankac1l1k ve �deme uygulamalar1n1n oturumlar1, �al1_mam1za dahil olan �lkelerde %26 artt1. T�m �lkelerdeki oturumlar y�kselirken, Japonya (%142), Almanya (%40), T�rkiye (%31) ve ABD'nin (%27) y�ksek b�y�me oranlar1 g�ze �arp1yor. S�per-uygulamalar, mobildeki en y�ksek trend olmaya devam ediyor. WeChat ve KakaoTalk gibi HYPERLINK "https://www.adjust.com/blog/super-apps-mobile-marketing/" \hs�per app'ler Asya'dan �1km1_ olmalar1na ramen, bu trend dier b�lgelerde de tutmaya ba_lad1; �rnein Revolut, "s�per-uygulama" stratejisiyle dikkat �eken markalardan.  Pandeminin bankac1l1k �zerindeki HYPERLINK "https://www.icarvision.com/en/the-impact-of-covid-19-on-the-use-of-online-banking" \hetkisi ve mobil dijital hizmetlerin artmas1 hafife al1nmamal1d1r, diyor Adjust'1n kurucu orta1 ve CTO'su Paul H. M�ller.  Bankac1l1k sekt�r� birka� y1ld1r dijital yeniliklere adapte olsa da, COVID-19 bu dei_imi h1zland1r1yor ve banka hesab1 olmayan ya da banka eri_imi s1n1rl1 olan d�nya �ap1nda milyonlarca insana bankac1l1k hizmetlerinin kap1s1n1 a�1yor. Bankac1l1k uygulamalar1, en g��l� b�y�me oranlar1n1 T�rkiye, Ukrayna ve Brezilya gibi �lkelerde g�steriyor. Japonya, analiz edilen �lkeler aras1nda bankac1l1k uygulamas1 indirmelerinde ba_1 �ekiyor, ancak bu biraz da u� bir bulgu. Apptopia'n1n verilerine g�re, dier geli_mi_ ekonomiler son 12 ayda kurulum say1lar1nda d�_�_ g�r�yorlar.  Genel ekonomik trendler, geli_mi_ ekonomilerde bankac1l1k uygulamalar1n1 zor g�nlerin beklediini g�sterse de, geli_mekte olan �lkelerde uluslararas1 finans uygulamalar1n1n �nemli b�y�me f1rsatlar1 var, diyor Apptopia'n1n Analitik ve Bilgi VP'si Adam Blacker.  Bankac1l1k uygulamalar1, en g��l� b�y�me oranlar1n1 T�rkiye, Ukrayna ve Brezilya gibi �lkelerde g�steriyor. Kullan1c1lar uygulamalarda daha �ok zaman ge�iriyorlar 2020'de finans uygulamalar1n1n sadece oturum ve kurulumlar1 artmakla kalmad1, ayn1 zamand Fr������� R T V f h �Ծ�꾨��{l{ZM@3hl�5�OJPJQJ^Jh�5�5�OJPJQJ^Jh�5�6�OJPJQJ^J#h�5�hu6�CJOJPJQJ^Jh�5�6�CJOJPJQJ^J#h�5�h�5�6�CJOJPJQJ^J hu5�*hu5�B*CJ$OJPJQJ^JaJ$ph��*hm�5�B*CJ$OJPJQJ^JaJ$ph��*hI}5�B*CJ$OJPJQJ^JaJ$ph��*hl�5�B*CJ$OJPJQJ^JaJ$ph��*h�5�5�B*CJ$OJPJQJ^JaJ$ph����T V &P��vxH������l!n!V$X$�$����������������������$��^��a$ $�v��]�v^��a$ $�h^�ha$gd�5� $ & F�h^�ha$$a$$a$h j ~ � � � " $ 0 2 � � � � � � $&NP���^`tvxFH��������������ưƤ��ưƤ������zkzkz��Ҥ��ưƤ�h�5�5�CJOJPJQJ^J#h�5�h�5�5�CJOJPJQJ^Jh�5�OJPJQJ^JhuOJPJQJ^Jhl�OJPJQJ^J"hl�>*B*OJPJQJ^JphU�hujhuUhl�hl�5�OJPJQJ^Jh�5�hl�5�OJPJQJ^Jh�5�h�5�5�OJPJQJ^J&�,.����x����������j!l!n!##v#z#T$X$�������Ǻ��m`�S��Ǻ�� *huOJPJQJ^Jhw!�5�OJPJQJ^J#hw!�hu5�CJOJPJQJ^J#hw!�hw!�5�CJOJPJQJ^Jhu5�OJPJQJ^Jhu6�OJPJQJ^Jhl�5�6�OJPJQJ^Jhl�5�OJPJQJ^Jhl�OJPJQJ^J%hl�6�>*B*OJPJQJ^JphU�hujhuUhl�6�OJPJQJ^JX$�$�$�$z%2�3�3(7*7,7�7�7�7b:d:h:r:v:�:�:�<.=�>�>�>�>�>�>? ???�@�@�C�C�C�C�C.D0D��������ϰ�ۣã��ϖ�É�τ��|x|k|���ϖ�|x|hl�>*OJPJQJ^JhujhuU hu5� *hl�OJPJQJ^Jhl�5�OJPJQJ^Jhu5�OJPJQJ^J hw!�huCJOJPJQJ^JUhl�OJPJQJ^JhuOJPJQJ^J#hw!�hu5�CJOJPJQJ^J#hw!�hl�5�CJOJPJQJ^J)�$�$�3�3*7,7�7�7d:f:h:t:v:�:�>�>�>�@�@�C�C�C�K�KL�L�L��������������������������d�gdu$1$a$$a$$a$a kullan1c1lar1n uygulama i�inde ge�irdii s�re de artt1. 2019'un ilk yar1s1nda kullan1c1lar1n bankac1l1k ve �deme uygulamalar1ndaki oturum s�resi ortalama 7.7 dakika iken, 2020'de bu s�re %8.9 artarak 8.35 dakikaya �1kt1. Adjust'1n verileri, finansal teknoloji uygulamalar1nda ge�irilen s�redeki en �nemli art1_1n 2020'nin ikinci yar1s1ndaki k�resel pandemi �nlemleri s1ras1nda meydana geldiini doruluyor. Analiz edilen �lkeler aras1nda Arjantin, uygulama i�inde ge�irilen s�re a�1s1ndan %72 ile en y�ksek y1ll1k b�y�me kaydeden �lke oldu. Arjantin'i %62 ile Ukrayna ve ortalama %50 ile Rusya ve Brezilya takip etti. Japonya ise %21'lik bir art1_ kaydetti. Kullan1c1 kazan1m1 maliyetleri d�_�k ve bal1l1k f1rsatlar1 y�ksek COVID-19 kaynakl1 ekonomik ve sosyal dei_imler ile birlikte, bankac1l1k ve �deme uygulamalar1n1n kullan1c1 kazan1m1 maliyetleri h1zla d�_t�. ^ubat'tan beri d�_en Kurulum Ba_1na Efektif Maliyetler (eCPI), May1s'ta %77 azald1 ve bankac1l1k uygulamalar1n1n yeni kullan1c1 edinme maliyetleri, hala 2020'nin ba_lar1ndaki maliyetinin �ok alt1nda. # # # Metodoloji K�resel mobil finans raporu, 1 Ocak 2020 ve 30 Haziran 2020 aras1ndaki Adjust ve Apptopia verilerini temel alarak 2019'daki ayn1 zaman dilimiyle kar_1la_t1r1yor. Rapor, ABD, Rusya, Ukrayna, T�rkiye, Brezilya, Almaya, 0ngiltere, Japonya ve Arjantin'deki bankac1l1k, �deme ve yat1r1m alt sekt�rleri dahil 270'ten fazla finans uygulamas1n1 analiz ediyor. Ayr1ca kurulum ve oturum oranlar1n1n b�y�mesine, kullan1c1lar1n uygulama i�inde ne kadar zaman ge�irdiine ve bu sekt�rdeki kullan1c1 tutma oranlar1na odaklan1yor. Adjust Hakk1nda HYPERLINK "https://www.adjust.com/" \hAdjust, sekt�r�n en �nde gelen global app pazarlama platformudur. Mobil uygulama ekonomisinin kalbinde doan ve teknoloji tutkusuyla b�y�yen bu global _irketin d�nya genelinde 16 ofisi bulunuyor. Adjust'1n platformu �l��m, sahtecilik �nleme, siber g�venlik ve pazarlama otomasyonu �r�nlerini i�eriyor. Bu �r�nler, Adjust ile �al1_an 40,000'i a_k1n uygulama i�in pazarlamay1 daha ak1ll1 ve daha g�venli hale getiriyor. Procter & Gamble, Rocket Internet ve Tencent Games gibi d�nya lideri markalar, b�t�elerini korumak ve sonu�lar1n1 iyile_tirmek i�in �r�nlerine Adjust'1n ��z�mlerini entegre ettiler. Apptopia Hakk1nda HYPERLINK "http://apptopia.com" \hApptopia, mobil uygulama ekonomisinde rekabet�i bir analitik ve bilgi toplama hizmeti sunuyor. Toplanan veri noktalar1 aras1nda indirmeler, aktif kullan1c1lar, store s1ralamas1, kitle bilgileri ve SDK bilgileri yer al1yor. Apptopia, mobil uygulama piyasas1nda f1rsat e_itlii, inovasyon ve end�strinin ilerlemesi i�in _effafl11n �nemli bir rol oynad11 inanc1yla kuruldu. Mobil yay1nc1lar, geli_tiriciler, servis salay1c1lar ve yat1r1mc1lar rekabeti takip etmek, i_ stratejilerini _ekillendirmek ve yeni t�ketici trendlerini belirlemek i�in Apptopia'y1 g�nl�k olarak kullan1yor. Daha fazla bilgi i�in bizi HYPERLINK "http://blog.apptopia.com" \hBlog, HYPERLINK "https://c212.net/c/link/?t=0&l=en&o=2384659-1&h=1614573342&u=http%3A%2F%2Ftwitter.com%2Fapptopia&a=Twitter" \hTwitter, and HYPERLINK "https://c212.net/c/link/?t=0&l=en&o=2384659-1&h=479910067&u=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fapptopia%2F&a=LinkedIn" \hLinkedIn hesaplar1m1zdan takip edin. 0leti_im bilgileri:  HYPERLINK "mailto:Tugce.kangal@prk2.com" Tugce.kangal@prk2.com     0D@DBD�H�HBIDILINIRITIFJHJVJXJdJfJ~K�K�K�K�K�KLLLZL\L�L�L�L�L�L�L�L�L�L�L�L�L�L���������������������̽����|���tptptptp�h1Kjh1KU h�2�h�5�0JOJPJQJ^Jh�5�OJPJQJ^Jjh�5�OJPJQJU^J'huOJPJQJ^JfH�q� ��� *hl�5�OJPJQJ^JhuOJPJQJ^Jhu *hl�OJPJQJ^JjhuU *hl�>*OJPJQJ^J(�L�L�L�L�L�L�L�L�L�L���������d�gdu ;0P:pu��/ ��=!��"��#��$��%����� ��Dpn ���������666666666vvvvvvvvv666666>666666666666666666666666666�6666666666�666666666666hH66666666666666666666666666666666666666666666666666666666666666666�62���� 0@P`p������2(�� 0@P`p������ 0@P`p������ 0@P`p������ 0@P`p������ 0@P`p������ 0@P`p��8X�V~$OJPJQJ^J_HmHnHsHtHF`��F uNormaldCJ_HaJmHsHtHLL uBa_l1k 1$$d����x@&CJ(aJ(PP uBa_l1k 2$$d��h�x@& 5CJ aJ XX uBa_l1k 3$$d��@�P@&5B*CJaJphCCCVV uBa_l1k 4$$d���P@&B*CJaJphfffVV uBa_l1k 5$$d����P@&B*CJaJphfffXX uBa_l1k 6$$d����P@&6B*CJaJphfffRA`���R Varsay1lan Paragraf Yaz1 TipiRi���R 0 Normal Tablo�4� l4�a� ,k ���, 0 Liste Yok F�/���F unormaldCJ_HaJmHsHtHX�/��X u Table Normal:VdCJ_HaJmHsHtHP>P u Konu Ba_l11$$d���<CJ4aJ4tJt uAlt Konu Ba_l11$$d���@$6B*CJOJPJQJ^JaJphfffF2F u0A�1klama Metnid�CJaJF��AF u0A�1klama Metni CharCJaJD'�QD u0A�1klama Ba_vurusuCJaJL�bL �~�0 Balon Metnid�CJOJQJ^JaJL��qL �~�0Balon Metni CharCJOJQJ^JaJ8�8 �5�0�stbilgi  ��p#:���: �5�0 �stbilgi CharCJaJ8 �8 �5�0Altbilgi  ��p#:���: �5�0 Altbilgi CharCJaJ.U@��. �5�0K�pr� >*B*ph�PK!����[Content_Types].xml���j�0E����ж�r�(��΢Iw},��-j��4 ��w�P�-t#bΙ{U�����T�U^h�d}㨫���)��*1P�'�� �^��W��0)��T�9<�l�#��$yi}��;�~@��(���H����u�* Dנz��/0�ǰ���� $�� X��3aZ����,�D0j~�3߶�b��~i>���3�\`�?�/�[���G��\�!�-�Rk.�s�Ի�..���a濭?��PK!�֧��6 _rels/.rels���j�0 ���}Q��%v/��C/�}�(h"���O� ������=������ ����C?�h�v=��Ʌ��%[xp��{۵_�Pѣ<�1�H�0���O�R�Bd���JE�4b$��q_����6L��R�7`�������0̞O��,�En7�Li�b��/�S���e��е������PK!ky���theme/theme/themeManager.xml �M � @�}�w��7c�(Eb�ˮ��C�AǠҟ����7��՛K Y,� �e�.���|,���H�,l����xɴ��I�sQ}#Ր���� ֵ+�!�,�^�$j=�GW���)�E�+& 8���PK!�0�Jtheme/theme/theme1.xml�YOoE�#�F{om'vGu�رh�F�[��xw�;���jf��7���q�7(j%.��7 A��x3��މ7$i#��>$�3�y�ߛ7���܋�'BR�t��ź�H��&aǻ5\X��T8 0� �x3"�+��s������D��)���j҇a,/�$07�"� ^EX >�1�-��+���C ���� �h�������3��(�|&��4)�0�`����L��@��u<�����<İT0�������/��Z���c֖� �/[�-�� O� ��A�}i��oL-���~��(��}���R���6�9��>.���[���/�_^����v[�LKԀ�cs�Z_in,9x��������V�Y��~p���t�1��-��C��z�p�U _�j=��Q Eli���H��].0�a +� 5K���=�Ś<^#�4c�|�0�9!� ����~�!��^>���'������?>xpx�{K�Y�������ן���C�Ǔ�^<��/��_��藟>�B���y���ߞ>~��ǿ��!� јHt��]�b�*��d,ζbaZ^���'Xs���W���1�,�#G���-�xT�N�:#1U���(v�ۜ�.�V��y��<�&a5s1-�v1ޯ��É���4������x/"��; ' �$! �9�GH�vw(u�M}�%�(t��.��&ѱM�E[4�̪t;�پ���Ui�I�]$dfs�xO��H�p����UT%�p&�2�/x:$��~@��ZsS��%�_�P�*ݾ�f����UѼ�9/#7�^/�qZ��$*cߓ{��pU��n��w�N�u�mJw�\ n��i zf*�/�P;8��ߕcF��8�r ����*"�M-��'Ue�֑�{�h��q�7��n�i�C �7��%�m����%��|>m���V(��o�-�i��c�� el�f�\��E��Kԫ̹���4�Ǭ�;�P`� �>�*F8����i"��H��\¡� W��xhѕ=��a�V��6�����ׄ�ؙ3Z�N�l�RF�~f -ԩ�5�h��9� ������`aMh?4-`�8�k�p,����v���b�p�.�H�#�����Iy��;�� �� V+qkk����4N*�k�.���x)�๗t�IG����%��[K-�8�x8��c��ץ��0 �J�W†���l�|��v��� ���v_Pة��j�Ȇ���B�%����f=/l���˫ ��`G׵d2!�*;�4�mg_�Rʧ��a�1��] �ס �T�ń���д�͔[���+�\��,�pVnu��l�&� �[I<ЭRv���U1)N�������O��`9���W`���q�"U(��?�6�����0 A��� ����9Kä5��. ����H�e�D� ���eI�������2�b��>a#]W���B�T�� ���s߳ ���)�SC�����?���d��:l�������]o��{oY=1o��yV��V����E8�Vk+ւ�K�\8���0X4D)�� ��?*|FL� u�w��"�Ƞ�A�@T_������q��6�4)kڬu�V�7�s�t �G��%;���h�9s�9�x���,��ڎkj�����I~�1�1��ߛ��.8zn��LIL�=I`h=�& �-G�t�/��PK! ѐ��'theme/theme/_rels/themeManager.xml.rels��M �0���wooӺ�&݈Э���5 6?$Q�� �,.�a��i����c2�1h�:�q��m��@RN��;d�`��o7�g�K(M&$R(.1�r'J��ЊT���8��V�"��AȻ�H�u}��|�$�b{��P����8�g/]�QAsم(����#��L�[������PK-!����[Content_Types].xmlPK-!�֧��6 +_rels/.relsPK-!ky���theme/theme/themeManager.xmlPK-!�0�J�theme/theme/theme1.xmlPK-! ѐ��'� theme/theme/_rels/themeManager.xml.relsPK]�  R���� h �X$0D�L'�$�L�L(j�������� � � AH���6^cf���|���X���X���X���X���X���X���X���X���X���X���8�@�����������0�( � ��B �S ���� ?� ��ltekmsw|JPTYZ`flpy��0 7 u  B K ] c l r K W � � � � � � ��$^bT\il ������ v����v{�����_c��}�   KPx}KP� � � Y\G[bh������   ##99PV\\a b �|��8v��������������^��`���>*�%�����^��`���>*�%�p���^�p`���>*�%�@ ���^�@ `���>*�%����^�`���>*�%�����^��`���>*�%�����^��`���>*�%�����^��`���>*�%�P���^�P`���>*�%|����������#�? 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