Fi̇nansal Teknoloji̇ Uygulamalari, Bankalarin Ri̇sk Yöneti̇mi̇ Ve İç Kontrol Yapisi Üzeri̇ndeki̇ Etki̇si̇ Ve Sonuçlari

Abstract

Banks are financial institutions that have to establish an internal control structure in order to prevent excessive risk taking and control the risk has been taken. Establishing an effective internal control structure allows timely recognition of risks that may harm banks and making recommendations for risk prevention.
 The transformation in financial technologies enables bank customers to use different products and services. Consumers now prefer technological financial processes due to speed, convenience and trust. Banks are expected to turn to new technological financial products and services and develop new solutions. Banking sector players are also in an effort to adapt to constantly changing and developing technological products and services.
 On the other hand, technological developments leads to the emergence of complex products, an increase in risk diversity and uncertain market conditions. As a result, the need for restructuring of traditional banks in terms of technology usage comes to light.
 Transferring technological changes into the internal control structure, producing solutions to the problems encountered in digital world by using information technologies and redefining duties and responsibilities can be counted among the expected initial changes.