{"id":30221,"date":"2025-03-14T10:12:00","date_gmt":"2025-03-14T10:12:00","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=30221"},"modified":"2025-03-14T10:12:00","modified_gmt":"2025-03-14T10:12:00","slug":"fca-100-temassiz-odeme-limitinin-kaldirilmasini-degerlendiriyor","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/fca-100-temassiz-odeme-limitinin-kaldirilmasini-degerlendiriyor\/","title":{"rendered":"FCA, \u00a3100 Temass\u0131z \u00d6deme Limitinin Kald\u0131r\u0131lmas\u0131n\u0131 De\u011ferlendiriyor"},"content":{"rendered":"

Birle\u015fik Krall\u0131k Mali Davran\u0131\u015f Otoritesi (FCA), temass\u0131z \u00f6deme sistemlerinde belirlenen \u00a3100’luk \u00fcst s\u0131n\u0131r\u0131n kald\u0131r\u0131lmas\u0131 veya esnetilmesi y\u00f6n\u00fcnde bir de\u011ferlendirme s\u00fcreci ba\u015flatt\u0131. FCA, bu de\u011fi\u015fikli\u011fin t\u00fcketicilere ve i\u015fletmelere daha fazla esneklik sa\u011flayarak ekonomik b\u00fcy\u00fcmeye katk\u0131 sunabilece\u011fini belirtti.<\/p>\n

FCA\u2019n\u0131n \u00f6nerileri aras\u0131nda, finans kurulu\u015flar\u0131n\u0131n doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u015f\u0131 g\u00fc\u00e7l\u00fc g\u00fcvenlik \u00f6nlemleri almas\u0131 halinde, kendi temass\u0131z \u00f6deme limitlerini belirlemesine izin verilmesi de yer al\u0131yor. Bu uygulama, ABD\u2019de halihaz\u0131rda kullan\u0131l\u0131yor.<\/p>\n

T\u00fcketici Korumas\u0131 \u00d6n Planda<\/strong><\/h3>\n

FCA \u00d6demeler ve Dijital Varl\u0131klar \u0130cra Direkt\u00f6r\u00fc David Geale, \u0130ngiltere\u2019de her ay insanlar\u0131n %85\u2019inin temass\u0131z \u00f6deme yapt\u0131\u011f\u0131n\u0131 belirterek, bu sistemin geli\u015ftirilmesi i\u00e7in f\u0131rsatlar oldu\u011funu s\u00f6yledi. Geale, “Bu \u00e7al\u0131\u015fma, y\u0131l\u0131n ba\u015f\u0131nda ekonomik b\u00fcy\u00fcmeyi desteklemek amac\u0131yla duyurdu\u011fumuz yakla\u015f\u0131k 50 \u00f6nlemden biri. Amac\u0131m\u0131z, \u00f6deme sistemlerini daha g\u00fcvenli ve verimli hale getirmek” dedi.<\/p>

\"\"<\/a><\/div>\n

Hazine Ekonomi Sekreteri (bakan\u0131) Emma Reynolds da FCA\u2019n\u0131n incelemesini destekleyerek, temass\u0131z \u00f6deme s\u0131n\u0131rlar\u0131n\u0131n esnetilmesinin t\u00fcketicilere daha fazla esneklik sa\u011flayaca\u011f\u0131n\u0131 belirtti. Reynolds, \u201cHer d\u00fczenleyici kurum, ekonomik b\u00fcy\u00fcmeyi te\u015fvik etmek i\u00e7in ad\u0131m atmal\u0131. FCA\u2019n\u0131n \u00a3100\u2019luk temass\u0131z \u00f6deme s\u0131n\u0131r\u0131n\u0131 kald\u0131rmay\u0131 de\u011ferlendirmesi, ailelerin g\u00fcvenli bir \u015fekilde daha esnek \u00f6deme se\u00e7eneklerinden faydalanmas\u0131n\u0131 sa\u011flayacakt\u0131r\u201d ifadelerini kulland\u0131.<\/p>\n

FCA, yap\u0131lacak de\u011fi\u015fikliklerin t\u00fcketici haklar\u0131n\u0131 koruma alt\u0131na alaca\u011f\u0131n\u0131 vurgulad\u0131. H\u00e2lihaz\u0131rda y\u00fcr\u00fcrl\u00fckte olan mevzuata g\u00f6re, kart sahipleri izinsiz yap\u0131lan temass\u0131z i\u015flemlerden do\u011fan kay\u0131plar i\u00e7in geri \u00f6deme almaya devam edecek.<\/p>\n

Doland\u0131r\u0131c\u0131l\u0131k Riskleri \u0130ncelenecek<\/strong><\/h3>\n

FCA\u2019n\u0131n de\u011ferlendirme s\u00fcreci, temass\u0131z \u00f6demelerde doland\u0131r\u0131c\u0131l\u0131k risklerini de kaps\u0131yor. UK Finance verilerine g\u00f6re, 2023 y\u0131l\u0131nda Birle\u015fik Krall\u0131k’ta temass\u0131z \u00f6deme doland\u0131r\u0131c\u0131l\u0131\u011f\u0131 toplam \u00a341,5 milyon olarak kaydedildi. Bu rakam 2022\u2019ye k\u0131yasla %19\u2019luk bir art\u0131\u015f\u0131 g\u00f6sterse de, temass\u0131z \u00f6demelerdeki doland\u0131r\u0131c\u0131l\u0131k oran\u0131n\u0131n toplam yetkisiz kart doland\u0131r\u0131c\u0131l\u0131\u011f\u0131na k\u0131yasla d\u00fc\u015f\u00fck kald\u0131\u011f\u0131 belirtiliyor.<\/p>\n

FCA\u2019n\u0131n konuya ili\u015fkin geri bildirim s\u00fcreci 9 May\u0131s 2025 Cuma g\u00fcn\u00fc<\/strong> sona erecek. Yap\u0131lacak de\u011ferlendirmelerin ard\u0131ndan al\u0131nacak karar\u0131n ilerleyen aylarda a\u00e7\u0131klanmas\u0131 bekleniyor.<\/p>\n

\"\"<\/a><\/div>","protected":false},"excerpt":{"rendered":"

Birle\u015fik Krall\u0131k Mali Davran\u0131\u015f Otoritesi (FCA), temass\u0131z \u00f6deme sistemlerinde belirlenen \u00a3100’luk \u00fcst s\u0131n\u0131r\u0131n kald\u0131r\u0131lmas\u0131 veya esnetilmesi y\u00f6n\u00fcnde bir de\u011ferlendirme s\u00fcreci ba\u015flatt\u0131. FCA, bu de\u011fi\u015fikli\u011fin t\u00fcketicilere ve i\u015fletmelere daha fazla esneklik sa\u011flayarak ekonomik b\u00fcy\u00fcmeye katk\u0131 sunabilece\u011fini belirtti. FCA\u2019n\u0131n \u00f6nerileri aras\u0131nda, finans kurulu\u015flar\u0131n\u0131n doland\u0131r\u0131c\u0131l\u0131\u011fa kar\u015f\u0131 g\u00fc\u00e7l\u00fc g\u00fcvenlik \u00f6nlemleri almas\u0131 halinde, kendi temass\u0131z \u00f6deme limitlerini belirlemesine izin verilmesi de yer al\u0131yor. Bu uygulama, ABD\u2019de halihaz\u0131rda kullan\u0131l\u0131yor. T\u00fcketici Korumas\u0131 \u00d6n Planda FCA \u00d6demeler ve Dijital Varl\u0131klar \u0130cra Direkt\u00f6r\u00fc David Geale, \u0130ngiltere\u2019de her ay insanlar\u0131n %85\u2019inin temass\u0131z \u00f6deme yapt\u0131\u011f\u0131n\u0131 belirterek, bu sistemin geli\u015ftirilmesi i\u00e7in f\u0131rsatlar oldu\u011funu s\u00f6yledi. Geale, “Bu \u00e7al\u0131\u015fma, y\u0131l\u0131n ba\u015f\u0131nda ekonomik b\u00fcy\u00fcmeyi desteklemek […]<\/p>\n","protected":false},"author":1,"featured_media":30226,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/30221","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=30221"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/30221\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/30226"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=30221"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=30221"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=30221"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}