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Amerikada Deme Yapmann Anlk Fotosu (Nisan19)

Nisan ayndaki Amerika seyahatimde lkedeki deme yntemlerinin geliimini iki byk ehirde gzlemleme frsatm oldu. Amerika deme sistemleri asndan olduka blnm bir pazar, herhangi bir deiimi topyekn salamak neredeyse imkansz. Yine de gerek bankalarn, gerek iyerlerinin, gerekse finteklerin pazar ileri tama gayreti iinde olduklarn grdm.

Amerikada Deme Yapmann Anlk Fotosu (Nisan19) 1

Bu gzlemlerimi aktaracam. Bozuk para azalyorncelikle nakit ile deme yapmay deneyip baaramadm giriimlerim oldu. Buna ardm.

Evet, Amerika kartn icat olduu yer, kart kabul hep yaygnd, ancak bozuk para eksiklii sebebiyle nakit deme alamayan yerler artmaya balam. rnein eskiden sadece nakit alan ara sokak garajlar veya mteri trafiinin yksek olduu ayakst attrma mekanlar gibi yerlerde para bozduramadm ve dememi kart ile gerekletirdiim durumlar oldu. Bozuk para eksiklii eskisine nazaran daha ok kendini hissettiriyor.

Son dnemde Amerika kaynakl haberlerde baz eyaletlerin nakit kabuln mecbur klan dzenlemeler yaptklarn okuyordum, imdi bunun sebebini daha iyi anladm.ip teknolojisine geite kazanmlar varBankalarn ok ge kalm ekilde ip teknolojisine geileri sryor. Kart hamillerine gnderilen yeni kartlar ipli ve imzal oluyor.

Baz POS terminalleri ifreyle dorulama yapabiliyor. ou terminal ise ipi okuduktan sonra ekranda veya kat zerinde imza bekliyor. Trkiyenin 2006da ipe ve ifreye gemi olduunu hatrlataym.

Amerikada Deme Yapmann Anlk Fotosu (Nisan19) 2

Gzel olan tecrbe Trkiyenin deme Yntemi Troyun uygun terminallerde ip ve ifreli ilem yapabilmesi.Amerikallar plastik ile demeye o kadar alm durumdalar ki yaplan aratrmalarda cep telefonlarnda bulunan deme yntemlerini kullanmann akllarna dahi gelmediini sylyorlar. Fotorafta grdnz gibi kullanclara mobil demeyi hatrlatmak iin cihaz zerine ApplePay ve SamsungPay etiketleri de konulmu.

Bir dier gzel deneyim de kart ile deme kabul eden parkmetreler. Yabancs olduunuz bir ehrin merkezinde aracnz park edebileceiniz nizami bir yer bulmak zaten bal bana bir zafer iken, sonrasnda parkmetreyi besleyecek yeterli miktarda bozuk para bulmak apayr bir mcadele oluyordu. imdi ipli kartnzla rahatlkla deme yapp, sonrasnda ek sre iin de parkmetreyi kullanabiliyorsunuz.

Bu kolaylk beni ehirde farkl noktalara gitmek konusunda cesaretlendirdi ve hareketliliimi arttrd.Amerikada teden beri self servis ileyen bir sektr olan benzin istasyonlar da ipli karta gei yapmaya balam. Fotorafta 76 akaryakt istasyonunun pompasn gncellenmi kullanc ekran ve ip okuyucu donanmlar ile gryorsunuz.

ip okuyucularn artmasn sektrden olan biri olarak nemsiyorum nk kartn kopyalanma olasl bu sayede azalyor. Gemite kuzey Amerika manyetik okuyucular ile kart kopyalama vakalarnn youn yaand bir corafya idi. Ktann ipli kartlara geii yaygnlatka bu vakalarn azaldn greceiz.

Fintech ve bigtechler alternatif deme yntemlerini sunuyorlarDijitalin getirdii imkanlar ile perakendenin byk bir dnmden getiini, bu sebeple sat noktasndaki tahsilat cihazlarnn (ksacas POS cihaznn) da evrimden gemekte olduunu bir yl nceki yazmda anlatmtm. zellikle envanter takibi, sipari, muhasebe ve bunun gibi yazar kasa ilevlerinin herhangi bir teknoloji maazasndan alacanz standart bir tablet zerine kurulacak yazlm(lar) ile hayata geirilmesi artk mmkn. yerleri tabletin zerine uygun uygulamalar kurduktan sonra bir deme kuruluunun basit bir kart okuma cihaz ve uygulamas aracl ile tahsilat yapmaya balyor.

Aadaki fotorafta grdnz donut dkkan San Franciscoda yerellerin tercih ettii bir yer. Burada Squarein temassz okuyuculu kart kabul cihaz tablete balanm, POS cihazna gerek kalmam. Kasiyerler ilem tamamlanrken fiinizi yazdralm m yoksa e-posta olarak gnderelim mi diye soruyorlar.

Eer e-posta ile istiyorsanz, adresinizi elle girerek size fii gnderiyorlar. Hatta baz iyerlerinde ekran mteriye dnk olan cihazlar var, orada e-posta adresinizi ekrana siz giriyorsunuz. Bu imkan beendim; kad bouna tamayaym, evreye faydal olaym dncesi ile iki kere e-posta adresimi verdim.

Sonrasnda hi tanmadm adreslerden e-posta kutuma pazarlama mesajlar gelmeye balad, piman oldum. Neyse ki e-posta iinde ksayolu bulunan abonelii iptal etme srecini ileterek mesaj trafiinden kurtuldum. Daha sonra fark ettiim ey Square cihazlarda yaptm demelerde artk yazl fi mi yoksa e-posta m sorusu ile karlamamam oldu.

Meer firma kart numarasndan beni tanyp otomatikman fileri e-postama gndermeye balam. rneini yukarda grebilirsiniz. Bu zellii de kasa nnde geirilen sreyi ksaltmas sebebiyle beendim.

Square bir fintech irketi olarak deme alma srelerini kolaylatryor. Teknolojiyi ok etkin kullanan bir bigtech olan Amazon ise maazada deme srecini tamamyla ortadan kaldrm durumda. Just walk out technology adn verdii yntemi evvelki yazmda anlatmtm.

Burada sadece unu syleyeyim; kendinizi markete girip, istediiniz ikolatay cebinize atp karken dnn. te just walk out technology budur. Bunu yaptnzda ok farkl hissediyorsunuz.

Zamann durduu yerler de varBu yeni deme uygulamalarnn denendii dev pazarda elbette her nokta ayn sratte ilerlemiyor. Hatta 40 yldr yerinde duranlar da var. POS cihaz 1980 ylnda San Francisco krfez blgesinde icat edilmitir.

Ondan nce kartl demeleri almak iin iyerleri Amerikada zipzap ad verilen mekanik cihazlar kullanrlard. Bu cihaza kart yerletirilir, zerine aralarnda kopya kad olan adet fi yerletirilir ve cihazn ray stndeki arlk kartn zerinden geirilip geri getirilirdi. Bylece kartn zerine ykseltilmi olarak ilenmi kart hamili ismi, kart numaras ve son kullanm tarihi filerin zerine kopya kad ve uygulanan arlk marifeti ile ilenirdi.

Arln ileri geri hareketi srasnda kard sesten dolay da bu cihaza zipzap machine denirdi. Siz bu katl fii imzaladktan sonra iyeri bir kopyay size verir, bir kopyasn kendi kaytlar iin saklar, bir kopyasn da parasn tahsil etmek iin anlamal bankasna gnderirdi. Aada fotorafn grdnz Avenue Cycleryde demeler hala byle alnyor.

eyrek asr nce bu ehirde beni ziyarete gelen arkadalarm ile buradan bisiklet alr, ehri gezer, sonunda da kirasn kartmz zipzap makinasna okutarak derdik. Geen zaman iinde hibir eyin deimediini grnce fotoraflamaktan kendimi alamadm. Ama bunun bir istisna olduuna emin olabilirsiniz, nk baka hibir yerde rastlamadm.

Trkiyenin deme Yntemi TROY heryerdeBu seyahatimde beni lkemizin deme sistemcisi olarak fazlasyla memnun eden bir dier konu da Trkiyenin deme Yntemi Troy kartm her yerde her trl deme iin kullanabilmi olmam oldu. Vakfbank tarafndan Discover ve Diners e logolu olarak kartlm Troy kartm (yukardaki ilk karede grnen) ile kafeler, restoranlar, maazalar, parkmetreler, otel, uak irketi gibi yerlerde rahatlkla deme yaptm. Sonuzetle Amerikada deme sistemlerinin ipli kartlara gei ve fintech ve bigtechlerin getirdii rekabeti yenilikler ile gelimekte olduunu gzlemlediimi syleyebilirim.

Referans yaz linkleriPOS'un gelecei "akll terminaller"ETA Transact Go: stediini cebine at ve k teknolojisilk duyurulduunda Amazon'un Amazon Go ad altnda kasiyersiz ve kasasz maaza ama giriimini merakla vidyolardanlink. medium. com.

RELATED QUESTION Why is India so hesitant about invading Pakistan or China even though these countries frequently trespass into India? TL;DR How to you invade a country? By going to war with them.

How do you win wars? By using up money, resources and people. Let's imagine if India invades one or both countries:Did you forget your wallet?

Wars are costly shits. You need to pay for arms, defensive equipment, manpower. and that is just the beginning.

Are you going to use a fighter plane? You need fuel for that. Oops, a guy was shot in the leg.

Better get some medical equipment. But it never is just one guy. You'll have plenty of causalities so better get shit loads of medical equipment and doctors!

Wars are not won in a day and can take years and decades to resolve. Let's not forget that both China and Pakistan are still among the top military forces in the world. They have a lot of manpower and resources to hinder India's invasion, if not defeat the threat together.

But let's suppose the invasion succeeds.Congratulations! You just won more hungry peopleStill have hungry people in your community?

Great, here are a million more hungry mouths to feed. The more the merrier, right? You don't just invade a country and let it rot.

You need to take care of it as if it were your own. Bigger countries will have bigger bills. Though wait, there's a problem.

Where did they get that bomb? This isn't the 19th or 20th century where only a handful of people can get the knowledge of building bombs and the like. The internet is an amazing resource for knowledge that can be used to harm people.

You won't just be getting hungry people, you'll have millions of people that resent you and will try their best to push you out of their country with whatever means possible. So yay, more unrest within your society. Just what the doctor ordered!

You're going to have a blast, because the Taliban are here! I'm a Pakistani, but I'm sure China has it's own internal problems as well. If India invades one or both nations, it will have to adopt and deal with their problems, along with its own.

You will then be responsible for the Taliban and other problems. Are you ready for all of that?Your Ebola cure just died Okay, so Ebola's cure has already been discovered, but if imagine a similar problem that plagued India.

The cure can be within an Indian's mind or a Pakistani or Chinese mind. I mean the Ebola cure came from Canada, a country that is not plagued by the virus. Imagine if Canada was busy fighting a war, how many lives would have been lost before we got a cure?

Additionally, it is easy to say "let's start a war", but the realization of what it means comes later. You won't be just killing Pakistanis or Chinese, you'll be killing people. Sometimes even your own.

Each and every person in our society has the ability to do something great. Their death can be our loss. It's just not good businessWar stops progress.

Your attention will be diverted towards winning the war and away from progressing in the world. I acknowledge that India is advancing at an amazing rate, but a war will halt and backfire all the hard-work put in by its citizens by decades. International relations will be strained.

There are 49 Muslim majority states that can oppose India on international matters even if they don't intervene in the war. Aside from that there are nations that will side against India because of their steaks in the country India fighting against. China has secured their position internationally and India cannot stand a chance against it.

Realistically speaking, China would probably crush India in a war. They still have superior technology, a better army, more manpower, and are internationally secured. So India should think a lot of times before even trying to mess with China.

But anyways, my last point.Make peace, not warBelieve it or not, war will not solve these problems, but enhance them. I know that Indians have lost lives over these issues, but so has Pakistan and China.

I'll stick to talking about the Kashmir issue between India and Pakistan since I don't know about all the problems China and India have. People are dying because of Kashmir, a problem that has existed since 1947. That is 67 years.

That will be almost 7 decades in the coming years. Or we can use this current issue to resolve the matter. Both sides have lost people and all in vain if the matter goes on like this.

An apology from Pakistan will not make it better. Nor will an apology from India make it better for us. But if right now Pakistanis and Indians can resolve this matter without finger pointing and bringing up past issues, we can get through this and come out as better countries.

It will help us both to move on. We should convince our leaders to bring this matter up internationally so it is resolved once and for all. Both countries should sign an agreement to accept the consequences no matter who wins.

And put pressure on our leaders until the matter is resolved. This is something we couldn't really do before, but now we can with the rise of media. Till now we have only delayed the issue through this ceasefire.

Let's solve this so we can both move together towards a more positive and profitable future :)

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