<\/p>\n\n\n\n
TOBB ve Visa\u2019n\u0131n ikincisini ger\u00e7ekle\u015ftirdi\u011fi Harcamalar Ara\u015ft\u0131rmas\u0131\u2019na g\u00f6re; 2021\u2019in ilk aylar\u0131 itibari ile (Ocak-Nisan) kartl\u0131 harcamalar ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %41 artt\u0131. Pandeminin ikinci dalgas\u0131nda da b\u00fcy\u00fcme trendini s\u00fcrd\u00fcren kartl\u0131 harcamalar\u0131n 3 y\u0131ld\u0131z\u0131 e-ticaret, banka kartlar\u0131 ve temass\u0131z \u00f6deme oldu.<\/p>\n\n\n\n
Ara\u015ft\u0131rma sonu\u00e7lar\u0131n\u0131 de\u011ferlendiren TOBB Ba\u015fkan\u0131 Hisarc\u0131kl\u0131o\u011flu, pandemi d\u00f6neminde T\u00fcrk i\u015f d\u00fcnyas\u0131n\u0131n dinamik yap\u0131s\u0131 sayesinde, h\u0131zl\u0131 bir d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecinden ge\u00e7erek e-ticaret, paket servis gibi uygulamalar\u0131 ba\u015far\u0131yla hayata ge\u00e7irdi\u011fine i\u015faret etti. Visa T\u00fcrkiye Genel M\u00fcd\u00fcr\u00fc Merve Tezel ise \u201cAra\u015ft\u0131rma, T\u00fcrkiye\u2019nin pandeminin ikinci dalgas\u0131nda da kartl\u0131 harcamalar bak\u0131m\u0131ndan b\u00fcy\u00fcme trendinde oldu\u011funu ortaya koyuyor\u201d dedi.<\/p>\n\n\n\n
T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) ve Visa, T\u00fcrkiye\u2019de yap\u0131lan kartl\u0131 harcamalarda Covid-19 etkisini inceleyen ara\u015ft\u0131rman\u0131n ikincisini kamuoyuyla payla\u015ft\u0131. \u0130lki Mart-A\u011fustos 2020 d\u00f6nemine bak\u0131larak ger\u00e7ekle\u015ftirilen Harcamalar Ara\u015ft\u0131rmas\u0131\u2019n\u0131n ikincisinde pandeminin k\u0131\u015f aylar\u0131na denk gelen ikinci dalgas\u0131 ve 2021\u2019in ilk d\u00f6rt ay\u0131 analiz edildi. Ara\u015ft\u0131rmada \u00f6ne \u00e7\u0131kan sonu\u00e7lara g\u00f6re, T\u00fcrkiye\u2019de 2020 yaz aylar\u0131ndaki normalle\u015fme ile ba\u015flayan toparlanma s\u00fcreci, ikinci dalgan\u0131n ba\u015flad\u0131\u011f\u0131 Aral\u0131k ay\u0131nda yava\u015flamakla birlikte, eski ivmesini k\u0131sa s\u00fcrede tekrar kazand\u0131. 2021\u2019in ilk aylar\u0131 itibari ile (Ocak-Nisan) kartl\u0131 harcamalar ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %41 artt\u0131.<\/p>\n\n\n\n
-T\u00fcrkiye di\u011fer \u00fclkere g\u00f6re daha iyi bir s\u0131nav verdi<\/p>\n\n\n\n
Ara\u015ft\u0131rmada Covid-19 d\u00f6neminde erken ve k\u0131s\u0131tlay\u0131c\u0131 tedbirler alan \u0130talya, di\u011fer \u00fclkelere oranla daha az k\u0131s\u0131tlama getiren \u0130sve\u00e7 ve T\u00fcrkiye\u2019ye benzer k\u0131s\u0131tlama yakla\u015f\u0131mlar\u0131 g\u00f6steren ABD ile k\u0131yaslamalar yer al\u0131yor. Buna g\u00f6re T\u00fcrkiye\u2019nin di\u011fer \u00fclkelerine g\u00f6re daha iyi performans sergiledi\u011fi ortaya \u00e7\u0131k\u0131yor. \u0130kinci dalgan\u0131n ba\u015flang\u0131c\u0131nda kartl\u0131 harcamalar bak\u0131m\u0131ndan \u0130sve\u00e7 keskin d\u00fc\u015f\u00fc\u015fler ya\u015farken, benzer k\u0131s\u0131tlamalar uygulayan ABD ve T\u00fcrkiye\u2019nin kartl\u0131 harcamalar grafi\u011finin birbirine yak\u0131n dalgalanmalar ya\u015fad\u0131\u011f\u0131 g\u00f6zleniyor. Temmuz 2020-Mart 2021 aras\u0131ndaki t\u00fcm aylarda T\u00fcrkiye\u2019nin di\u011fer \u00fc\u00e7 \u00fclkeye k\u0131yasla daha iyi bir s\u0131nav verdi\u011fi de dikkat \u00e7ekiyor. Mart 2021 bir \u00f6nceki y\u0131l\u0131n Mart\u2019\u0131 ile kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda, kartl\u0131 harcamalar\u0131n T\u00fcrkiye\u2019de %50, \u0130talya ve ABD\u2019de %40 oran\u0131nda b\u00fcy\u00fcd\u00fc\u011f\u00fc, \u0130sve\u00e7\u2019te ise %15 k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fc g\u00f6r\u00fcl\u00fcyor.<\/p>\n\n\n\n
T\u00fcrkiye\u2019de, Nisan 2019-Mart 2020 ve Nisan 2020-Mart 2021 d\u00f6nemindeki harcamalar kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda, \u00f6demeler d\u00fcnyas\u0131nda 3 \u00f6nemli s\u0131\u00e7rama \u00f6ne \u00e7\u0131k\u0131yor. Soka\u011fa \u00e7\u0131kma k\u0131s\u0131tlamalar\u0131 ve t\u00fcketici al\u0131\u015fkanl\u0131klar\u0131n\u0131n de\u011fi\u015fmesiyle T\u00fcrkiye\u2019de rekor seviyelere ula\u015fan e-ticaretin %55, banka kart\u0131 harcamalar\u0131n\u0131n %40 b\u00fcy\u00fcmesi ve temass\u0131z \u00f6demelerin 6 kat\u0131na \u00e7\u0131km\u0131\u015f olmas\u0131 kartl\u0131 \u00f6demelerdeki b\u00fcy\u00fcmenin yap\u0131 ta\u015flar\u0131na i\u015faret ediyor. Kartl\u0131 \u00f6demelerin %17\u2019sini olu\u015fturan banka kart\u0131 harcamalar\u0131n\u0131n, kredi kart\u0131 y\u0131ll\u0131k b\u00fcy\u00fcmesinin 2.5 kat\u0131 \u00fczerinde artmas\u0131 da ayr\u0131ca dikkat \u00e7ekiyor.<\/p>\n\n\n\n
-Pandeminin y\u00fckselen sekt\u00f6rleri: Elektrik-elektronik ve yap\u0131-dekorasyon<\/p>\n\n\n\n
Ara\u015ft\u0131rma kapsam\u0131nda, farkl\u0131 sekt\u00f6rlerde Covid-19 s\u00fcrecine ba\u011fl\u0131 olarak ger\u00e7ekle\u015fen de\u011fi\u015fimler de analiz edildi. Buna g\u00f6re, evde kalman\u0131n zorunlu oldu\u011fu ve uzaktan e\u011fitimin devam etti\u011fi pandeminin ikinci dalgas\u0131nda, t\u00fcketicilerin art\u0131k e-ticareti benimsemi\u015f olmas\u0131n\u0131n da etkisiyle market-AVM-g\u0131da, yap\u0131-dekorasyon ve elektrik-elektronik sekt\u00f6rlerinde h\u0131zl\u0131 ve kal\u0131c\u0131 bir b\u00fcy\u00fcme ger\u00e7ekle\u015fti. Market-AVM-g\u0131da sekt\u00f6rleri kategorisinde 2021\u2019in Nisan ay\u0131nda ge\u00e7en senenin ayn\u0131 d\u00f6nemine g\u00f6re %41 art\u0131\u015f g\u00f6zlemlenirken, bu oran elektrik-elektronik sekt\u00f6r\u00fcnde %82, yap\u0131-dekorasyon sekt\u00f6r\u00fcnde ise %118 olarak ger\u00e7ekle\u015fti.<\/p>\n\n\n\n
-Yeme-i\u00e7me sekt\u00f6r\u00fc pandemi ko\u015fullar\u0131na uyum sa\u011flad\u0131<\/p>\n\n\n\n
Pandeminin ikinci dalgas\u0131yla birlikte gelen ek k\u0131s\u0131tlamalar\u0131n etkisi, \u00f6zellikle yemek (restoran) sekt\u00f6r\u00fcnde g\u00f6zlemlendi. Restoran sekt\u00f6r\u00fcnde dikkat \u00e7ekici geli\u015fme ise bu alandaki harcamalar\u0131n Nisan 2021\u2019e bak\u0131ld\u0131\u011f\u0131nda Nisan 2020\u2019ye k\u0131yasla \u00fc\u00e7 kat artmas\u0131. Bu art\u0131\u015f, paket servise ge\u00e7en ve internet \u00fczerinden sipari\u015f almaya ba\u015flayan i\u015fletmelerin dijital d\u00f6n\u00fc\u015f\u00fcme uyum sa\u011flad\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n\n\n\n
Ara\u015ft\u0131rma sonu\u00e7lar\u0131n\u0131 de\u011ferlendiren TOBB Ba\u015fkan\u0131 M. Rifat Hisarc\u0131kl\u0131o\u011flu; T\u00fcrk i\u015f d\u00fcnyas\u0131n\u0131n dinamik yap\u0131s\u0131n\u0131n, T\u00fcrkiye\u2019yi di\u011fer \u00fclkelerden pozitif olarak ayr\u0131\u015ft\u0131rd\u0131\u011f\u0131n\u0131 s\u00f6yledi. Hisarc\u0131kl\u0131o\u011flu, \u201cHer kriz, kendi f\u0131rsat\u0131n\u0131 da beraberinde getirir. \u0130\u00e7inden ge\u00e7ti\u011fimiz pandemi d\u00f6neminde T\u00fcrk i\u015f d\u00fcnyas\u0131; dinamik yap\u0131s\u0131 sayesinde, h\u0131zl\u0131 bir d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecinden ge\u00e7erek e-ticaret, paket servis, vb. uygulamalar\u0131 hayata ge\u00e7irerek, t\u00fcketici ihtiya\u00e7lar\u0131na daha kolay cevap verir hale geldi. Bu d\u00f6n\u00fc\u015f\u00fcm hem firmalar\u0131n pandemiden daha s\u0131n\u0131rl\u0131 etkilenmesine hem de t\u00fcketicilerin t\u00fcketim al\u0131\u015fkanlar\u0131n\u0131 devam ettirebilmesine imkan sa\u011flad\u0131\u201d dedi.<\/p>\n\n\n\n
\u0130\u015f d\u00fcnyas\u0131n\u0131n i\u00e7inden ge\u00e7ti\u011fi d\u00f6n\u00fc\u015f\u00fcmde s\u00fcrecinde TOBB olarak firmalara rehberlik ettiklerini ifade eden Hisarc\u0131kl\u0131o\u011flu pandemi s\u00fcrecinin, e-ticaretin asla ihmal edilmemesi gerekti\u011fini bir kez daha g\u00f6sterdi\u011fini vurgulad\u0131. TOBB Ba\u015fkan\u0131 \u015f\u00f6yle konu\u015ftu: \u201cBu d\u00f6nemde kredi kart\u0131 harcamalar\u0131n\u0131n 3\u2019te 1\u2019inin e-ticaret \u00fczerinden yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fck. Biz de \u00fcyelerimizi e-ticarete haz\u0131rlamak i\u00e7in bir\u00e7ok online bilgilendirme toplant\u0131s\u0131 d\u00fczenledik. Bunun yan\u0131nda sertifikal\u0131 e-ticaret ve e-ihracat e\u011fitim programlar\u0131 yapt\u0131k. \u00dcyelerimizin e-ticarette yer almas\u0131 i\u00e7in pek \u00e7ok e-ticaret platformu ile \u00f6zel kampanyalar haz\u0131rlayarak, \u00fcyelerimizin kullan\u0131m\u0131na sunduk.\u201d<\/p>\n\n\n\n
Pandemi s\u00fcrecinden en \u00e7ok etkilenen k\u00fc\u00e7\u00fck i\u015fletmeleri desteklemek, t\u00fcketiciler nezdinde fark\u0131ndal\u0131klar\u0131n\u0131 art\u0131rmak amac\u0131yla TOBB ve Visa olarak #BuSeslerHi\u00e7Bitmesin slogan\u0131yla \u2018Bir Al\u0131\u015fveri\u015fle \u00c7ok \u015eey Fark Eder\u2019 kampanyas\u0131n\u0131 hayata ge\u00e7irdiklerini hat\u0131rlatan Hisarc\u0131kl\u0131o\u011flu, \u201cYapt\u0131\u011f\u0131m\u0131z bu fark\u0131ndal\u0131k \u00e7al\u0131\u015fmas\u0131 ile t\u00fcketicilerin al\u0131\u015fveri\u015flerini k\u00fc\u00e7\u00fck i\u015fletmelerden yapmalar\u0131n\u0131n ekonominin sesinin devam etmesi ile \u00f6nemli oldu\u011funu anlatmaya \u00e7al\u0131\u015ft\u0131k\u201d diye konu\u015ftu.<\/p>\n\n\n\n
Ara\u015ft\u0131rmadan \u00e7\u0131kan sonu\u00e7lar\u0131 de\u011ferlendiren Visa T\u00fcrkiye Genel M\u00fcd\u00fcr\u00fc Merve Tezel ise, \u201cVisa ve TOBB Harcamalar Ara\u015ft\u0131rmas\u0131, T\u00fcrkiye\u2019nin pandeminin ikinci dalgas\u0131nda da kartl\u0131 harcamalar bak\u0131m\u0131ndan b\u00fcy\u00fcme trendinde oldu\u011funu ortaya koyuyor. Bu performans\u0131n itici g\u00fc\u00e7leri, pandemi \u00f6ncesine g\u00f6re e\u015fik atlad\u0131\u011f\u0131 g\u00f6r\u00fclen online harcamalar, \u00f6deme tercihlerinde art\u0131k bir norm haline gelen temass\u0131z\u0131n devam eden y\u00fckseli\u015fi ve banka kart\u0131 ile yap\u0131lan harcamalardaki art\u0131\u015f oldu. \u00dclkemizdeki kartl\u0131 \u00f6demeler altyap\u0131s\u0131n\u0131n t\u00fcketici davran\u0131\u015f\u0131ndaki de\u011fi\u015fime cevap verebilecek \u015fekilde geli\u015fmi\u015f olmas\u0131n\u0131n bu b\u00fcy\u00fcme trendine etkisi b\u00fcy\u00fck. Yine ara\u015ft\u0131rmadan \u00e7\u0131kan sonu\u00e7lara g\u00f6re ba\u015fta yemek sekt\u00f6r\u00fc olmak \u00fczere, pek \u00e7ok sekt\u00f6rde faaliyet g\u00f6steren KOB\u0130\u2019lerin pandeminin ikinci dalgas\u0131nda i\u015flerini, de\u011fi\u015fen t\u00fcketici beklentilerine g\u00f6re uyumland\u0131rd\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Visa olarak bu \u00e7\u0131kt\u0131lar\u0131n \u0131\u015f\u0131\u011f\u0131nda KOB\u0130\u2019lerin dijitalle\u015fmesine verdi\u011fimiz deste\u011fi \u0130\u015fimi Y\u00f6netebiliyorum projesi ve TOBB ile hayata ge\u00e7irdi\u011fimiz Ak\u0131ll\u0131 KOB\u0130 platformu ile s\u00fcrd\u00fcrmeye devam edece\u011fiz\u201d dedi.<\/p>\n\n\n\n
B\u0130LG\u0130 NOTU:<\/p>\n\n\n\n
TOBB hakk\u0131nda
TOBB, \u00f6zel sekt\u00f6r\u00fcn T\u00fcrkiye\u2019de mesleki \u00fcst kurulu\u015fu ve yasal temsilcisidir. TOBB 81 il 160 il\u00e7eye yay\u0131lm\u0131\u015f 365 oda ve borsan\u0131n (Ticaret Odalar\u0131, Sanayi Odalar\u0131, Ticaret ve Sanayi Odalar\u0131, Deniz Ticaret Odalar\u0131 ve Ticaret Borsalar\u0131) \u00fcst kurulu\u015fudur.
T\u00fcrkiye Odalar ve Borsalar Birli\u011fi, 15\/3\/1950\u2019de Resmi Gazete\u2019de yay\u0131mlanan Kanun ile kurulmu\u015ftur. Birli\u011fin k\u0131sa ad\u0131 TOBB\u2019dur ve merkezi Ankara\u2019dad\u0131r.
T\u00fcrkiye Odalar ve Borsalar Birli\u011fi, odalar ve borsalar aras\u0131ndaki birlik ve dayan\u0131\u015fmay\u0131 temin etmek, mesle\u011fin genel menfaatlere uygun olarak geli\u015fmesini sa\u011flamak, oda ve borsa mensuplar\u0131n\u0131n meslek\u00ee faaliyetlerini kolayla\u015ft\u0131rmak, bunlar\u0131n birbirleriyle ve halk ile olan ili\u015fkilerinde d\u00fcr\u00fcstl\u00fc\u011f\u00fc ve g\u00fcveni h\u00e2kim k\u0131lmak \u00fczere, meslek disiplinini ve ahl\u00e2k\u0131n\u0131 korumak, \u00fclkenin kalk\u0131nmas\u0131, ekonominin geli\u015fmesi i\u00e7in gerekli \u00e7al\u0131\u015fmalar\u0131 yapmak ve bu Kanunda belirtilen hizmetleri yerine getirmek amac\u0131yla kurulan, t\u00fczel ki\u015fili\u011fe sahip, kamu kurumu niteli\u011finde meslek \u00fcst kurulu\u015fudur.
Daha fazla bilgi i\u00e7in tobb.org.tr adresini ve @TOBBiletisim sosyal medya hesaplar\u0131n\u0131 ziyaret edebilirsiniz.<\/p>\n\n\n\n
Visa Inc. hakk\u0131nda
Visa Inc. (NYSE: V) dijital \u00f6demeler sekt\u00f6r\u00fcnde d\u00fcnyan\u0131n lider \u015firketidir. Misyonu, en yenilik\u00e7i, g\u00fcvenilir ve g\u00fcvenli \u00f6deme a\u011f\u0131 arac\u0131l\u0131\u011f\u0131yla d\u00fcnyay\u0131 birbirine ba\u011flamak; bireylerin, i\u015fletmelerin ve ekonomilerin ba\u015far\u0131l\u0131 olmas\u0131na ve b\u00fcy\u00fcmesine olanak sa\u011flamakt\u0131r. Geli\u015fmi\u015f global veri i\u015fleme a\u011f\u0131m\u0131z olan VisaNet, d\u00fcnyan\u0131n d\u00f6rt bir yan\u0131nda g\u00fcvenli ve g\u00fcvenilir \u00f6demeleri m\u00fcmk\u00fcn k\u0131lar ve saniyede 65.000\u2019den fazla \u00f6demeyi i\u015fleme kapasitesine sahiptir. \u015eirketin durmaks\u0131z\u0131n yenilik\u00e7ili\u011fe odaklanmas\u0131, her cihazda internet \u00fczerinden ticaretin h\u0131zla b\u00fcy\u00fcmesine katk\u0131 sa\u011flar. Ayn\u0131 zamanda da herkes i\u00e7in, her yerde nakitsiz gelecek hayalinin itici g\u00fcc\u00fcd\u00fcr. D\u00fcnya analogdan dijitale ge\u00e7erken, Visa da markas\u0131n\u0131, \u00fcr\u00fcnlerini, \u00e7al\u0131\u015fanlar\u0131n\u0131, a\u011f\u0131n\u0131 ve \u00f6l\u00e7e\u011fini ticaretin gelece\u011fini yeniden \u015fekillendirmek \u00fczere y\u00f6nlendirmekte. Daha fazla bilgi i\u00e7in visa.com.tr ve @Visa_TR adreslerini ziyaret edebilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"
TOBB ve Visa\u2019n\u0131n ikincisini ger\u00e7ekle\u015ftirdi\u011fi Harcamalar Ara\u015ft\u0131rmas\u0131\u2019na g\u00f6re; 2021\u2019in ilk aylar\u0131 itibari ile (Ocak-Nisan) kartl\u0131 harcamalar ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %41 artt\u0131. Pandeminin<\/p>\n","protected":false},"author":2,"featured_media":10672,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,185],"tags":[],"class_list":["post-10671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-manset"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/10671","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/comments?post=10671"}],"version-history":[{"count":3,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/10671\/revisions"}],"predecessor-version":[{"id":10676,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/10671\/revisions\/10676"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/10672"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=10671"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=10671"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=10671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}