Recently, I wrote that it might be over for the banks in the US payment systems in the next three years. I based my view on two facts. The first one was their model where basically issuers and acquirers were very far way from one another. And...
A lot of innovation comes from the US right? Well not so when it comes to cards. Almost all others either moved to smart card standard EMV already or are very near completing their migration, except the US. After so many discussions and...
A lot to improve performance. Yet not much to fill books, as at the end, it boils down the two things: 1) Unite everybody around the same and a simple objective,2) Find the best talent for the required position. 1. Unite everybody around the same...
90’lı yılların başında Bankalararası Kart Merkezi’nde yeni bir uzman iken tanıdım Özlem Ercelen İmece’yi. Ankaralı, kolej mezunu, ODTÜ işletmeyi bitirmiş, birkaç kısa iş deneyiminden sonra kendisi gibi genç olan BKM’ye katılmış. Ama o kısa...
Türkiye bir çok ülkenin aksine bankalarıyla son 30 yılda kartlı ödeme sistemlerine sürekli ve bilinçli yatırım yaptı. Kart pazarını geliştirdi ama çok daha önemlisi üye işyeri pazarını da geliştirerek 2 milyondan fazla POS terminalini işyerlerine...
Small Business owners are usually neglected by the banks. And there are several good reasons for it. Many small businesses start and fail, most are one or two people shops making it difficult to have a proper banking relation, some of them avoid...
BBVA, as the only Spanish bank, and Garanti Bank in Turkey have been invited to join the founding membership of Unionpay International. The first general meeting of founding members was held on November 30 in Shanghai. Mehmet Sezgin, responsible for...
We know that cards replace cash. And we develop products with payment systems’ electronic infrastructure. There is also another phenomenon which replaces cash and actually older than cash itself: Barter! In the old days even before cash, people used...
Time is running out on so many things. Human race has done many things wrong in the last few centuries. On so many fronts we failed miserably: Equality among individuals and nations, access to good education, using the world resources efficiently...
Kredi kartları pazarı her yıl ortalama yüzde 20 büyüyor. BBVA’nın global ödeme sistemlerinden sorumlu başkanı MEHMET SEZGİN, kart başına kârlılık düşse de büyümenin süreceğine inanıyor. Sezgin’e göre bugün 330 milyar TL olan kart üzerinden toplam...
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