{"id":12011,"date":"2014-11-12T23:58:25","date_gmt":"2014-11-12T21:58:25","guid":{"rendered":"http:\/\/www.bghaber.org\/bghaber\/?p=12011"},"modified":"2014-11-12T23:58:25","modified_gmt":"2014-11-12T21:58:25","slug":"bulgaristanda-her-vatandas-banka-karti-sahibi","status":"publish","type":"post","link":"https:\/\/www.bghaber.org\/bghaber\/bulgaristanda-her-vatandas-banka-karti-sahibi\/","title":{"rendered":"Bulgaristan\u2019da her vatanda\u015f banka kart\u0131 sahibi"},"content":{"rendered":"<p><b>Bulgaristan vatanda\u015flar\u0131, prensipte karamsar ve ger\u00e7ek\u00e7i insanlar olmalar\u0131na ra\u011fmen, yenilikleri \u00e7ok \u00e7abuk kabul ediyor. Yeni teknoloji, yeni hizmetler s\u00f6z konusu olunca bir o kadar \u00e7abuk ikna olabiliyorlar. B\u00f6ylece 20 y\u0131lda \u00fclkedeki elektronik banka kartlar\u0131 say\u0131s\u0131 Bulgaristan n\u00fcfusu say\u0131s\u0131na ula\u015ft\u0131. \u00c7ocuklar banka kart\u0131 sahibi olam\u0131yor, dolay\u0131s\u0131yla Bulgar vatanda\u015flar\u0131n\u0131n birden fazla kredi veya debit kart\u0131na sahip oldu\u011fu s\u00f6ylenebilir.<\/b><\/p>\n<p>D\u00fcnyada en b\u00fcy\u00fck banka kartlar\u0131 \u015firketlerinden birinin yapt\u0131\u011f\u0131 ara\u015ft\u0131rmada, Bulgar vatanda\u015flar\u0131, e\u011fer gittikleri ma\u011fazada veya markette POS terminal varsa, 15 eurodan fazla al\u0131\u015fveri\u015flerinde kartla \u00f6demeyi tercih etti\u011fini tespit etti. Ayn\u0131 zamanda elektronik banka kartlar\u0131, bankamatiklerden nakit para \u00e7ekmek i\u00e7in de tercih edilen bir y\u00f6ntem. Sofya\u2019da 30 farkl\u0131 bankan\u0131n 1000\u2019e yak\u0131n bankamati\u011fi bulunuyor. \u00d6te yandan kay\u0131td\u0131\u015f\u0131 ekonomi azald\u0131k\u00e7a, \u00e7o\u011fu kurum ve i\u015fletmeden maa\u015flar da do\u011frudan banka kart\u0131na transfer ediliyor. Bulgaristan\u2019da y\u00fcksek say\u0131 olan emekliler de, emekli maa\u015f\u0131n\u0131 banka hesp numaralar\u0131ndan do\u011frudan debit kart\u0131na al\u0131yor. Elektronik ve internet al\u0131\u015fveri\u015f imkanlar\u0131 ve sanal ticaret olanaklar\u0131 artt\u0131k\u00e7a da, banka kartlar\u0131n\u0131n i\u015flevi art\u0131yor.<\/p>\n<p>\u00dclkede her vatanda\u015fa birer banka kart\u0131 d\u00fc\u015f\u00fcyor. Onlar\u0131n toplam say\u0131s\u0131 7 milyonu a\u015f\u0131yor. Debit kartlar\u0131 \u00e7o\u011funlukta, kredi kartlar\u0131 onlardan yedi kat az. Piyasada iki d\u00fcnya devi olan Visa ve Maestro ezici bir \u00e7o\u011funluk te\u015fkil ediyor. Bu iki markan\u0131n mevcudiyeti toplam kartlar\u0131n %80\u2019ini olu\u015fturuyor.<\/p>\n<p>Bulgarlar\u0131n banka kart\u0131na ba\u011fl\u0131l\u0131\u011f\u0131 ve g\u00fcvenini aktarmak i\u00e7in birka\u00e7 rakam\u0131 vermek yeterli olur. Bulgar Merkez Bankas\u0131n\u0131n verilerine g\u00f6re, ge\u00e7en sene banka kart\u0131 i\u015fleme say\u0131s\u0131 10 milyar euroyu ge\u00e7mi\u015f. Bu y\u0131l ise i\u015flemlerin 1 milyar euro daha artmas\u0131 bekleniyor.<\/p>\n<p>Banka hesap h\u0131rs\u0131zl\u0131\u011f\u0131, kart bilgilerini hortumalma, suistimal etme, kimlik h\u0131rs\u0131zl\u0131\u011f\u0131 gibi riskler de g\u00f6z ard\u0131 edilmiyor. Bir\u00e7ok insan bu durumalrdan dolay\u0131 \u00e7ok tedbirli. \u00d6rne\u011fin bir\u00e7ok vatanda\u015f, banka kart\u0131 bilgilerini a\u00e7\u0131klamamak i\u00e7in, internetten al\u0131\u015f veri\u015f yapm\u0131yor.\u00a0 Bulgaristan\u2019da P\u0130N \u015fifrenizi \u00f6\u011frenip, paran\u0131z\u0131 \u00e7almayacakalr\u0131na dair bir g\u00fcvence yok. \u015eimdilik problem daha \u00e7ok psikolojik. Ge\u00e7en sene banka kartlar\u0131ndan h\u0131rs\u0131zl\u0131klar 4 milyon euroya ula\u015fm\u0131\u015f.<\/p><div id=\"bghab-4151662702\" class=\"bghab-icerik-icine bghab-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6203283170189293\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-client=\"ca-pub-6203283170189293\" \ndata-ad-slot=\"7303146466\" \ndata-ad-layout=\"in-article\"\ndata-ad-format=\"fluid\" data-full-width-responsive=\"true\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>\u00c7eviri: Sevda D\u00fckkanc\u0131<\/p>\n<div id=\"bghab-3638876772\" class=\"bghab-yazi-altinda bghab-entity-placement\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- bghaber-yaz\u0131-sonu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6203283170189293\"\r\n     data-ad-slot=\"4222328180\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><br style=\"clear: both; display: block; float: none;\"\/>","protected":false},"excerpt":{"rendered":"<p>Bulgaristan vatanda\u015flar\u0131, prensipte karamsar ve ger\u00e7ek\u00e7i insanlar olmalar\u0131na ra\u011fmen, yenilikleri \u00e7ok \u00e7abuk kabul ediyor. Yeni teknoloji, yeni hizmetler s\u00f6z konusu olunca bir o kadar \u00e7abuk<\/p>\n","protected":false},"author":13,"featured_media":12012,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[9],"tags":[],"class_list":["post-12011","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pc2PfJ-37J","jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.bghaber.org\/bghaber\/wp-content\/uploads\/2014\/11\/sabri7.jpg?fit=850%2C478&ssl=1","_links":{"self":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/12011","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/comments?post=12011"}],"version-history":[{"count":0,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/12011\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media\/12012"}],"wp:attachment":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media?parent=12011"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/categories?post=12011"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/tags?post=12011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}