Avrupa Birli\u011fi \u00fclkelerinde, son y\u0131llarda artan banka havalesi doland\u0131r\u0131c\u0131l\u0131klar\u0131n\u0131n \u00f6n\u00fcne ge\u00e7mek maksad\u0131yla \u201cVerification of Payee\u201d (VoP) yani \u201cAl\u0131c\u0131 Do\u011frulama Sistemi\u201d ismi verilen yeni bir sistem devreye giriyor.<\/p>\n
Bu sistemle birlikte, art\u0131k en kolay para transferi bile daha inan\u00e7l\u0131 hale gelecek. Lakin kullan\u0131c\u0131lar\u0131n da s\u00fcre\u00e7ler s\u0131ras\u0131nda \u00e7ok daha dikkatli olmas\u0131 gerekecek. 9 Ekim prestijiyle bankalar, \u201cAl\u0131c\u0131 Ad\u0131\u201d alan\u0131na yaz\u0131lan her harfi denetim edecek. K\u00fc\u00e7\u00fck bir yaz\u0131m kusuru bile s\u00fcrecin gecikmesine yahut b\u00fcsb\u00fct\u00fcn engellenmesine neden olabilecek.<\/p>\n
Be\u015f Saniyede Do\u011frulama<\/b><\/p>\n
Fransa Postas\u0131\u2019n\u0131n haberine nazaran, yeni uygulama kapsam\u0131nda kullan\u0131c\u0131 para g\u00f6nderirken, bankas\u0131 al\u0131c\u0131n\u0131n bankas\u0131yla anl\u0131k irtibat kuracak. Bu s\u00fcre\u00e7 yakla\u015f\u0131k be\u015f saniye s\u00fcrecek.<\/p>\n
E\u011fer isim ve IBAN b\u00fcsb\u00fct\u00fcn \u00f6rt\u00fc\u015f\u00fcyorsa s\u00fcre\u00e7 problemsiz tamamlanacak. Lakin k\u0131smi uyumsuzluk yahut yanl\u0131\u015f bilgi tespit edilirse sistem kullan\u0131c\u0131y\u0131 uyaracak. M\u00fc\u015fteri isterse s\u00fcreci \u201cyine de g\u00f6nder\u201d se\u00e7ene\u011fiyle tamamlayabilecek, lakin bu durumda sorumluluk kendisine ili\u015fkin olacak.<\/p>\n
\u201cAnne\u201d ya da \u201cElektrik\u00e7i\u201d Yazmak Riskli Olacak<\/b><\/p>\n
Yeni periyotta bankalar, kullan\u0131c\u0131lar\u0131 bilhassa al\u0131c\u0131 ekleme s\u00fcre\u00e7lerinde dikkatli olmaya \u00e7a\u011f\u0131r\u0131yor.<\/p>\n
Fransa Bankac\u0131l\u0131k Federasyonu, \u015fahs\u00ee notlar ya da takma isimler yerine ger\u00e7ek isimlerin kullan\u0131lmas\u0131n\u0131 tavsiye ediyor.<\/p>\n
Federasyon yetkilileri, \u201c\u2018Anne\u2019, \u2018Elektrik\u00e7i\u2019 yahut \u2018Kira\u2019 \u00fczere a\u00e7\u0131klamalar, sistemin isim-IBAN uyu\u015fmazl\u0131\u011f\u0131 uyar\u0131s\u0131 vermesine yol a\u00e7abilir,\u201d ihtar\u0131nda bulundu.<\/p>\n
Ayr\u0131ca, bankalar mevcut kay\u0131tlar\u0131nda eksik yahut yanl\u0131\u015fl\u0131 bilgiler bulunan m\u00fc\u015fterilerden bu bilgileri g\u00fcncellemelerini isteyecek.<\/p>\n
183 Milyon Euroluk Doland\u0131r\u0131c\u0131l\u0131\u011fa Son!<\/b><\/p>\n
Bu d\u00fczenlemenin temel emeli, banka havalesi yoluyla yap\u0131lan doland\u0131r\u0131c\u0131l\u0131klar\u0131 \u00f6nlemek. Fransa Merkez Bankas\u0131 bilgilerine nazaran sadece 2024 y\u0131l\u0131nda 183 milyon euro mebla\u011f\u0131nda doland\u0131r\u0131c\u0131l\u0131k bu sistemle ger\u00e7ekle\u015ftirildi.<\/p>\n
Daha evvel bankalar s\u0131rf IBAN\u2019\u0131n ge\u00e7erli olup olmad\u0131\u011f\u0131n\u0131 denetim ediyordu. Bu durum, doland\u0131r\u0131c\u0131lar\u0131n ger\u00e7ek faturalar\u0131n \u00fczerindeki IBAN\u2019\u0131 de\u011fi\u015ftirerek d\u00fczmece hesaplara para y\u00f6nlendirmesine imk\u00e2n tan\u0131yordu.<\/p>\n
Fransa Merkez Bankas\u0131\u2019na ba\u011fl\u0131 Ulusal \u00d6deme Sistemleri Komitesi Sekreteri Julien Lasalle, durumu \u015f\u00f6yle a\u00e7\u0131klad\u0131:<\/p>\n
\u201cDoland\u0131r\u0131c\u0131lar ger\u00e7ek bir faturay\u0131 ele ge\u00e7irip IBAN\u2019\u0131 kendi hesaplar\u0131yla de\u011fi\u015ftiriyordu. G\u00f6nderici fark etmeden paray\u0131 yanl\u0131\u015f hesaba yat\u0131r\u0131yordu.\u201d<\/p>\n
Birle\u015fik Krall\u0131k ve \u0130svi\u00e7re Uygulama D\u0131\u015f\u0131nda<\/b><\/p>\n
Yeni sistem, sadece Avrupa Ekonomik Alan\u0131 \u00fclkelerinde ge\u00e7erli olacak. Lakin Birle\u015fik Krall\u0131k ve \u0130svi\u00e7re, bu zorunlulu\u011fun d\u0131\u015f\u0131nda kalacak.<\/p>\n
Ayr\u0131ca, Fransa\u2019n\u0131n deniza\u015f\u0131r\u0131 b\u00f6lgeleri (Yeni Kaledonya, Frans\u0131z Polinezyas\u0131, Wallis ve Futuna Adalar\u0131) ile euro b\u00f6lgesindeki Fransa ortas\u0131ndaki para transferlerinde de bu denetim uygulanmayacak.<\/p>\n
Avrupa bankac\u0131l\u0131k sisteminde g\u00fcvenli\u011fi art\u0131racak bu yeni devirle birlikte, isim-IBAN e\u015fle\u015fmesi art\u0131k finansal s\u00fcre\u00e7lerin en kritik \u00f6gesi haline geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Avrupa genelinde banka transferlerinde g\u00fcvenlik a\u00e7\u0131s\u0131ndan ihtilal niteli\u011finde bir uygulama ba\u015fl\u0131yor. 9 Ekim Per\u015fembe g\u00fcn\u00fcnden itibaren, bankalar art\u0131k para transferlerinde al\u0131c\u0131 ismi ile IBAN numaras\u0131n\u0131n birebir uyu\u015fup uyu\u015fmad\u0131\u011f\u0131n\u0131 denetim etmek zorunda olacak.<\/p>\n","protected":false},"author":1,"featured_media":86402,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[92,864,9004,473,1929],"class_list":["post-86401","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-fransa","tag-iban","tag-islem","tag-sistem"],"_links":{"self":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/86401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/comments?post=86401"}],"version-history":[{"count":1,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/86401\/revisions"}],"predecessor-version":[{"id":86403,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/posts\/86401\/revisions\/86403"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media\/86402"}],"wp:attachment":[{"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/media?parent=86401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/categories?post=86401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ikimisli.tr\/index.php\/wp-json\/wp\/v2\/tags?post=86401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}