{"id":32441,"date":"2022-07-27T11:54:21","date_gmt":"2022-07-27T11:54:21","guid":{"rendered":"https:\/\/istanbulchannel.net\/?p=32441"},"modified":"2022-07-27T12:04:44","modified_gmt":"2022-07-27T12:04:44","slug":"tobb-ve-visa-yeni-kartli-harcamalar-analizi-sonuclarini-acikladi","status":"publish","type":"post","link":"https:\/\/istanbulchannel.net\/index.php\/2022\/07\/27\/tobb-ve-visa-yeni-kartli-harcamalar-analizi-sonuclarini-acikladi\/","title":{"rendered":"TOBB VE V\u0130SA Yeni Kartl\u0131 Harcamalar Analizi Sonu\u00e7lar\u0131n\u0131 A\u00e7\u0131klad\u0131."},"content":{"rendered":"\n

E-T\u0130CARET, BANKA KARTLARI VE TEMASSIZ \u00d6DEMELER T\u00dcKET\u0130M\u0130N TOPARLANMASINDA \u0130T\u0130C\u0130 G\u00dc\u00c7 OLMAYA DEVAM ED\u0130YOR<\/p>\n\n\n\n

T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) ve Visa\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fcs\u00fcn\u00fc ger\u00e7ekle\u015ftirdi\u011fi Kartl\u0131 Harcamalar Analizi\u2019ne g\u00f6re, 2022 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde ayl\u0131k kartl\u0131 harcamalar ortalamas\u0131 bir \u00f6nceki y\u0131la g\u00f6re %85 oran\u0131nda artt\u0131. Analizin \u00fc\u00e7\u00fcnc\u00fc raporunda da Avrupa\u2019dan \u0130talya ve \u0130sve\u00e7 ile Amerika Birle\u015fik Devletleri\u2019nin harcama verileriyle T\u00fcrkiye\u2019nin verileri k\u0131yasland\u0131. D\u00fcnya genelinde Covid a\u015f\u0131lamalar\u0131n\u0131n ba\u015flad\u0131\u011f\u0131 2021 itibar\u0131yla analizdeki b\u00fct\u00fcn \u00fclkelerin bir iyile\u015fme trendine girdi\u011fi, ancak T\u00fcrkiye\u2019de kartl\u0131 harcamalar\u0131n di\u011fer \u00fclkelere k\u0131yasla daha y\u00fcksek oranda artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n\n\n\n

T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) ve Visa, Covid-19\u2019la ba\u015flayan ve devam eden s\u00fcre\u00e7te T\u00fcrkiye\u2019de yap\u0131lan kartl\u0131 harcamalar\u0131n incelendi\u011fi analiz \u00e7al\u0131\u015fmas\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fcs\u00fcn\u00fc kamuoyuyla payla\u015ft\u0131. Kartl\u0131 Harcamalar Analizi\u2019nin \u00fc\u00e7\u00fcnc\u00fcs\u00fcnde 2020, 2021 y\u0131llar\u0131 ve 2022\u2019nin ilk 3 ay\u0131n\u0131 kapsayan k\u0131yaslamalar yap\u0131l\u0131yor.<\/p>\n\n\n\n

\u00d6ne \u00e7\u0131kan sonu\u00e7lara g\u00f6re \u00fclkemizde harcamalar\u0131n, 2021\u2019de yaz aylar\u0131ndan ba\u015flayarak normalle\u015fmenin h\u0131zlanmas\u0131 ve a\u015f\u0131lanman\u0131n yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 ile artt\u0131\u011f\u0131 g\u00f6zlemleniyor. 2020 senesi ile kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda kartl\u0131 harcamalar\u0131n 2021\u2019de sene baz\u0131nda %55 oran\u0131nda artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Pandeminin ba\u015flamas\u0131 ile d\u00fc\u015f\u00fc\u015f g\u00f6steren iste\u011fe ba\u011fl\u0131 t\u00fcketim harcamalar\u0131 da May\u0131s 2021 sonras\u0131nda ba\u015flayan normalle\u015fme s\u00fcreci ile artarak temel ihtiya\u00e7 harcamalar\u0131n\u0131 yakal\u0131yor. 2022 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finin ayl\u0131k kartl\u0131 harcamalar ortalamas\u0131n\u0131n bir \u00f6nceki y\u0131la k\u0131yasla %85 oran\u0131nda b\u00fcy\u00fcm\u00fc\u015f olmas\u0131 da dikkat \u00e7ekiyor.<\/p>\n\n\n\n

-T\u00fcrkiye\u2019nin 2021 performans\u0131 di\u011fer \u00fclkelere g\u00f6re daha iyi<\/p>\n\n\n\n

Kartl\u0131 Harcamalar Analizi\u2019nde pandemi s\u00fcresince farkl\u0131 yakla\u015f\u0131mlar izleyen ABD, \u0130talya ve \u0130sve\u00e7 ile T\u00fcrkiye\u2019nin kar\u015f\u0131la\u015ft\u0131rmalar\u0131 da yer al\u0131yor. S\u00f6z konusu \u00fc\u00e7 \u00fclke ile kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda, T\u00fcrkiye\u2019nin kartl\u0131 harcamalar bak\u0131m\u0131ndan \u00f6zellikle Haziran 2021 sonras\u0131nda di\u011fer \u00fclkelerin \u00fczerinde bir iyile\u015fme trendine girdi\u011fi, bunun 2022\u2019nin ilk \u00e7eyre\u011finde de artarak devam etti\u011fi g\u00f6r\u00fcl\u00fcyor. Ayr\u0131ca t\u00fcm \u00fclkelerin ayn\u0131 d\u00f6nemde bir iyile\u015fme trendine girdi\u011fi ve \u00f6zellikle 2021 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131 itibar\u0131 ile harcamalar\u0131n reel b\u00fcy\u00fcmeye ge\u00e7ti\u011fi ortaya \u00e7\u0131k\u0131yor.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

-E-ticaretin y\u00fckseli\u015fi ivmelenerek devam ediyor, ticari kredi kartlar\u0131yla yap\u0131lan harcamalar art\u0131yor<\/p>\n\n\n\n

T\u00fcrkiye\u2019de 2021 ve 2022 y\u0131llar\u0131n\u0131n ilk \u00e7eyre\u011fi kartl\u0131 harcamalar a\u00e7\u0131s\u0131ndan k\u0131yasland\u0131\u011f\u0131nda, e-ticaretin %90, banka kart\u0131 harcamalar\u0131n\u0131n %118 b\u00fcy\u00fcmesi, temass\u0131z \u00f6demelerin de 3 kat\u0131na \u00e7\u0131km\u0131\u015f olmas\u0131, bu alanda devam eden b\u00fcy\u00fcmenin alt\u0131ndaki yap\u0131 ta\u015flar\u0131n\u0131n de\u011fi\u015fmedi\u011fine i\u015faret ediyor. Bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine k\u0131yasla e-ticaretteki b\u00fcy\u00fcme h\u0131z\u0131n\u0131n %72\u2019den %90\u2019a \u00e7\u0131km\u0131\u015f olmas\u0131 trendin kal\u0131c\u0131l\u0131\u011f\u0131na i\u015faret ediyor. Dikkat \u00e7eken bir di\u011fer oran ise, ticari kredi kartlar\u0131yla yap\u0131lan harcamalar\u0131n da bu d\u00f6nemde %94 b\u00fcy\u00fcm\u00fc\u015f olmas\u0131.<\/p>\n\n\n\n

2020 ve 2021 y\u0131ll\u0131k bazda k\u0131yasland\u0131\u011f\u0131nda ise kartlarla yap\u0131lan harcama tutarlar\u0131, banka kartlar\u0131nda %62, kredi kartlar\u0131nda ise %47 b\u00fcy\u00fcme kaydetti. Pandemi d\u00f6neminde banka kartlar\u0131 temass\u0131z ve online al\u0131\u015fveri\u015flerde de daha fazla kullan\u0131lmaya ba\u015fland\u0131.<\/p>\n\n\n\n

-Sekt\u00f6rlerin t\u00fcm\u00fcnde toparlanma ya\u015fan\u0131yor<\/p>\n\n\n\n

Analizde, farkl\u0131 sekt\u00f6rler kapsam\u0131nda ger\u00e7ekle\u015fen kartl\u0131 harcamalara da mercek tutuluyor. 3. Kartl\u0131 Harcamalar Analizi, May\u0131s 2021 sonras\u0131nda k\u0131s\u0131tlamalar\u0131n kalkmas\u0131 ve normalle\u015fme s\u00fcrecine ge\u00e7ilmesi ile beraber hemen hemen t\u00fcm kritik sekt\u00f6rlerin toparlanma e\u011filimine girdi\u011fini g\u00f6steriyor. 2021\u2019de bir \u00f6nceki y\u0131la k\u0131yasla \u00f6zellikle seyahat (%116), yeme-i\u00e7me (%81) ve giyim-aksesuar harcamalar\u0131nda (%58) dikkate de\u011fer bir art\u0131\u015f g\u00f6r\u00fcl\u00fcyor. 2022 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde ise seyahat harcamalar\u0131nda %201 b\u00fcy\u00fcme g\u00f6zlemlenirken, yeme-i\u00e7mede bu oran %225 olarak ger\u00e7ekle\u015fiyor.<\/p>\n\n\n\n

\u0130lk iki Harcamalar Analizi, pandemi k\u0131s\u0131tlamalar\u0131n\u0131n \u00f6zellikle yemek (restoran) sekt\u00f6r\u00fcnde d\u00fc\u015f\u00fc\u015fe neden oldu\u011fu, sonras\u0131nda ise paket servise ge\u00e7en ve internet \u00fczerinden sipari\u015f almaya ba\u015flayan i\u015fletmelerin dijital d\u00f6n\u00fc\u015f\u00fcme uyum sa\u011flayarak toparlad\u0131\u011f\u0131n\u0131 ortaya koymu\u015ftu. Son Harcamalar Analizi ise normalle\u015fme s\u00fcrecine ge\u00e7ilmesiyle birlikte yemek sekt\u00f6r\u00fcnde May\u0131s 2021 itibar\u0131yla ciddi bir toparlanma oldu\u011funu ve bunun 2022\u2019de devam etti\u011fini ortaya koyuyor.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

-Hisarc\u0131kl\u0131o\u011flu: \u201cG\u00fc\u00e7l\u00fc ve dinamik KOB\u0130 altyap\u0131m\u0131z sayesinde de\u011fi\u015fen ko\u015fullara h\u0131zl\u0131 uyum sa\u011flayabiliyoruz\u201d<\/p>\n\n\n\n

Ara\u015ft\u0131rmadan \u00e7\u0131kan sonu\u00e7lar\u0131 de\u011ferlendiren TOBB Ba\u015fkan\u0131 M. Rifat Hisarc\u0131kl\u0131o\u011flu, \u201cGe\u00e7ti\u011fimiz g\u00fcnlerde, 27 Haziran\u2019da D\u00fcnya KOB\u0130 G\u00fcn\u00fc\u2019n\u00fc kutlad\u0131k. Y\u0131llard\u0131r s\u00f6yl\u00fcyoruz, KOB\u0130\u2019ler \u00fclkemizde ekonomimizin bel kemi\u011fi, b\u00fcy\u00fcmenin motoru, istihdam\u0131n itici g\u00fcc\u00fc, ekonomik ve sosyal kalk\u0131nman\u0131n temel ta\u015flar\u0131 olarak yer al\u0131yorlar. \u00c7ok g\u00fc\u00e7l\u00fc ve dinamik bir KOB\u0130 altyap\u0131m\u0131z var. Bu \u015fekilde de\u011fi\u015fen ko\u015fullara \u00e7ok h\u0131zl\u0131 uyum sa\u011flayabiliyoruz. Bunun yans\u0131mas\u0131n\u0131 kartl\u0131 harcamalar raporunda da e-ticaretin ve temass\u0131z harcamalar\u0131n y\u00fckseli\u015finden de anlayabiliyoruz\u201d dedi.<\/p>\n\n\n\n

Hisarc\u0131kl\u0131o\u011flu s\u00f6zlerini \u015f\u00f6yle tamamlad\u0131: \u201cRapor 2022 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde ayl\u0131k kartl\u0131 harcamalar\u0131n bir \u00f6nceki y\u0131la g\u00f6re %85 oran\u0131nda b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc, yine seyahat harcamalar\u0131 ile yeme-i\u00e7mede %200\u2019\u00fcn \u00fczerinde b\u00fcy\u00fcmelerin ger\u00e7ekle\u015fti\u011fini g\u00f6r\u00fcyoruz. Bunlar \u00e7ok iyi oranlar.\u201d<\/p>\n\n\n\n

-Tezel: \u201cHarcamalarda b\u00fcy\u00fcme trendi devam ediyor\u201d<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Visa T\u00fcrkiye Genel M\u00fcd\u00fcr\u00fc Merve Tezel de \u201cVisa ve TOBB\u2019un Kartl\u0131 Harcamalar Analizi, pandemiyle birlikte ya\u015fanan de\u011fi\u015fimi ortaya koymas\u0131 a\u00e7\u0131s\u0131ndan faydal\u0131 bir rehbere d\u00f6n\u00fc\u015ft\u00fc. Pandeminin birinci ve ikinci dalgas\u0131n\u0131, ard\u0131ndan da normalle\u015fme s\u00fcrecini kartl\u0131 harcamalar a\u00e7\u0131s\u0131ndan d\u00fczenli olarak de\u011ferlendirildi\u011fi \u00e7al\u0131\u015fmam\u0131z\u0131n \u00fc\u00e7\u00fcnc\u00fcs\u00fc ortaya koyuyor ki, 2021 itibar\u0131yla T\u00fcrkiye\u2019de harcamalar di\u011fer \u00fclkelerle kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda daha h\u0131zl\u0131 toparland\u0131. Pozitif trend 2022\u2019nin ilk \u00e7eyre\u011finde artarak devam etti. Online harcamalar\u0131n kayda de\u011fer bir ivmeyle 2021 y\u0131l\u0131nda da b\u00fcy\u00fcmesi, temass\u0131z \u00f6demelerin katlanarak art\u0131\u015f\u0131, banka kart\u0131 say\u0131lar\u0131ndaki y\u00fckseli\u015f 2021 y\u0131l\u0131na da kartl\u0131 harcamalar a\u00e7\u0131s\u0131ndan damga vurdu. T\u00fcrkiye\u2019nin g\u00fc\u00e7l\u00fc \u00f6demeler altyap\u0131s\u0131 ve t\u00fcm sekt\u00f6rel oyuncular\u0131n h\u0131zl\u0131 adaptasyon kabiliyeti pandemi d\u00f6neminde daha da belirginle\u015fti. Biz de Visa olarak, t\u00fcm bu s\u00fcre\u00e7 boyunca ihtiya\u00e7lardan yola \u00e7\u0131karak geli\u015ftirdi\u011fimiz \u00e7\u00f6z\u00fcmlerle ekonomimize katk\u0131da bulunmaya devam etti\u011fimizi d\u00fc\u015f\u00fcn\u00fcyoruz\u201d dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"

E-T\u0130CARET, BANKA KARTLARI VE TEMASSIZ \u00d6DEMELER T\u00dcKET\u0130M\u0130N TOPARLANMASINDA \u0130T\u0130C\u0130 G\u00dc\u00c7 OLMAYA DEVAM ED\u0130YOR T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB) ve Visa\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fcs\u00fcn\u00fc ger\u00e7ekle\u015ftirdi\u011fi Kartl\u0131<\/p>\n","protected":false},"author":2,"featured_media":32445,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,186,11,12,16,185,15],"tags":[402,426,221,384,424,425],"class_list":["post-32441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-finans","category-genel","category-gundem","category-is-dunyasi","category-manset","category-turkiye","tag-vekilim","tag-merve-tezel","tag-tobb","tag-tobb-baskani-rifat-hisarciklioglu","tag-vekilim-2","tag-visa"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/32441","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=32441"}],"version-history":[{"count":2,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/32441\/revisions"}],"predecessor-version":[{"id":32448,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/32441\/revisions\/32448"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/32445"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=32441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=32441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=32441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}