{"id":2455,"date":"2023-03-13T20:36:22","date_gmt":"2023-03-13T20:36:22","guid":{"rendered":"https:\/\/fonexmedya.com\/?p=2455"},"modified":"2023-03-13T20:36:24","modified_gmt":"2023-03-13T20:36:24","slug":"basarisiz-olan-teknoloji-bankasindan-alinan-dersler","status":"publish","type":"post","link":"https:\/\/fonexmedya.com\/?p=2455","title":{"rendered":"Ba\u015far\u0131s\u0131z olan ‘teknoloji bankas\u0131ndan’ al\u0131nan dersler"},"content":{"rendered":"
\n
\n

Belirsizlik, panik ve aciliyet Pazartesi sabah\u0131 olduk\u00e7a s\u0131k duydu\u011fum \u00fc\u00e7 kelime.<\/span><\/b><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ge\u00e7en haftan\u0131n sonuna do\u011fru olduk\u00e7a dramatik bir \u015fekilde iflas eden banka olan Silicon Valley Bank’ta hesaplar\u0131 olan Birle\u015fik Krall\u0131k merkezli baz\u0131 teknoloji firmalar\u0131yla konu\u015fuyorum.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

3.000’den fazla ticari m\u00fc\u015fterisi olan Birle\u015fik Krall\u0131k kolu\u00a0<\/span>\u015fu anda HSBC taraf\u0131ndan kurtar\u0131ld\u0131<\/span>\u00a0, ancak ben yazarken, \u00e7evrimi\u00e7i bankac\u0131l\u0131k tesisi donmu\u015f durumda.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

SVB \u00f6ncelikle teknoloji sekt\u00f6r\u00fc taraf\u0131ndan kullan\u0131l\u0131yordu ve Birle\u015fik Krall\u0131k vergi m\u00fckelleflerinin Hazine m\u00fcdahalesi durumunda “teknik bros” i\u00e7in ne kadar sempati duymalar\u0131 gerekti\u011fine dair m\u0131r\u0131ldanmalar oldu\u011funu biliyorum.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Sohbet etti\u011fim insanlar bu tan\u0131ma uymuyor.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Bir i\u015f\u00e7iye, \u015firketi yaln\u0131zca SVB’ye para yat\u0131rd\u0131\u011f\u0131 i\u00e7in bu ay \u00f6deme almay\u0131 bekleyip beklemedi\u011fini sordum.\u00a0\u0130\u015fletmelerin faturalar\u0131 ve maa\u015flar\u0131 \u00f6demek i\u00e7in ihtiya\u00e7 duydu\u011fu operasyonel nakit paran\u0131n ne kadar\u0131n\u0131n belirsizlikte kald\u0131\u011f\u0131 hala belirsizdi.\u00a0“Umar\u0131m \u00f6yledir,” dedi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Konu\u015ftu\u011fum herkesin ortak noktas\u0131, SVB’nin yaln\u0131zca ana bankalar\u0131 de\u011fil, ayn\u0131 zamanda tek bankalar\u0131 olmas\u0131yd\u0131.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Yine yaln\u0131zca SVB ile bankac\u0131l\u0131k yapan BGV risk sermayedar\u0131 firmas\u0131n\u0131n y\u00f6netici orta\u011f\u0131 Melanie Hayes, “Bir sonraki kurul toplant\u0131lar\u0131m\u0131zda kaynak yo\u011funla\u015fmas\u0131 hakk\u0131nda konu\u015fmak istiyorum,” dedi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“\u0130\u015fin geri kalan\u0131na da bakmam\u0131z ve ba\u015fka nerede yo\u011funla\u015fma riskine sahip olabilece\u011fimizi g\u00f6rmemiz gerekiyor.”<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ba\u015fka bir deyi\u015fle: t\u00fcm yumurtalar\u0131n\u0131z\u0131 bir sepete koymay\u0131n.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ayr\u0131ca \u015funu da ekleyebilir miyim – d\u00fczenleyiciler ve h\u00fck\u00fcmetler taraf\u0131ndan iflas etmesi daha muhtemel olan b\u00fcy\u00fck, sa\u011flam, korumal\u0131 sepetler se\u00e7in.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Kula\u011fa basit gibi gelebilir, ancak bir teknoloji giri\u015fimi iseniz, g\u00f6r\u00fcnd\u00fc\u011f\u00fc kadar kolay de\u011fildir.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n
\"Elin<\/picture><\/span>G\u00d6R\u00dcNT\u00dc KAYNA\u011eI,<\/span><\/span>APAR\u0130TO<\/span><\/span><\/div>
Resim yaz\u0131s\u0131,<\/span><\/span><\/p>\n
Elin Haf Davies, t\u0131p teknolojisi firmas\u0131 Aparito’yu kurdu<\/span><\/div>\n<\/figcaption><\/figure>\n<\/div>\n
\n
\n

Klinik deneylere odaklanan Wrexham merkezli bir t\u0131bbi teknoloji kurulu\u015fu olan Aparito’nun kurucusu Elin Haf Davies, “Ana High Street bankalar\u0131 yeni kurulan \u015firketleri desteklemiyor \u00e7\u00fcnk\u00fc daha y\u00fcksek riskler alg\u0131lad\u0131k” diyor.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Bayan Davies, SVB’nin hem rakipleri hem de \u00e7o\u011fu ABD merkezli olan m\u00fc\u015fterileri dahil olmak \u00fczere t\u0131p teknolojisi sekt\u00f6r\u00fc aras\u0131nda pop\u00fcler oldu\u011funu s\u00f6yledi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Aparito, bu m\u00fc\u015fterilerin bankac\u0131l\u0131k sorunlar\u0131n\u0131n kendi nakit ak\u0131\u015f\u0131 \u00fczerinde ne kadar etkili olabilece\u011fini h\u00e2l\u00e2 ara\u015ft\u0131r\u0131yor.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Mali hizmetlerin yan\u0131 s\u0131ra, m\u00fc\u015fteri taban\u0131n\u0131z\u0131n geni\u015fli\u011fini de g\u00f6z \u00f6n\u00fcnde bulundurmal\u0131s\u0131n\u0131z, diye ekledi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“G\u00fcvenli bir gelir ak\u0131\u015f\u0131na sahip olmak i\u00e7in geni\u015f bir m\u00fc\u015fteri da\u011f\u0131l\u0131m\u0131na sahip olmaya \u00e7al\u0131\u015f\u0131n,” dedi ve “s\u00f6ylemesi yapmaktan daha kolay” oldu\u011funu kabul etti.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

B\u00fcy\u00fck bankalar\u0131n yeni ba\u015flayan m\u00fc\u015fterilere daha az hevesli oldu\u011fu alg\u0131s\u0131, \u00e7ok\u00e7a yank\u0131land\u0131\u011f\u0131n\u0131 duydu\u011fum bir alg\u0131.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Bayan Hayes, “Bir\u00e7ok yeni \u015firket, hesap a\u00e7ma prosed\u00fcrleri \u00e7ok daha basit oldu\u011fu i\u00e7in meydan okuyan bankalarla \u00e7al\u0131\u015f\u0131yor” dedi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“Yeni ba\u015flayan bir i\u015fletmeyseniz, bir High Street bankas\u0131nda banka hesab\u0131 a\u00e7mak zordur.”<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ama nedenini sordu\u011fumda kimse tam olarak emin de\u011fil.\u00a0“Bunun cevab\u0131n\u0131 bilseydim…” Bayan Hayes g\u00fcl\u00fcyor.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Tip 2 diyabet hastalar\u0131n\u0131n ya\u015fam tarzlar\u0131n\u0131 y\u00f6netmelerine yard\u0131mc\u0131 olma konusunda uzmanla\u015fm\u0131\u015f bir firma olan Second Nature’dan Chris Edson, firmas\u0131n\u0131n yak\u0131n zamana kadar Metro’ya ba\u011fl\u0131 oldu\u011funu, ancak SVB’ye ge\u00e7meye karar verdi\u011fini s\u00f6yledi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n
\"Chris<\/picture><\/span>G\u00d6R\u00dcNT\u00dc KAYNA\u011eI,<\/span><\/span>\u0130K\u0130NC\u0130 DO\u011eA<\/span><\/span><\/div>
Resim yaz\u0131s\u0131,<\/span><\/span><\/p>\n
Second Nature’dan Chris Edson<\/span><\/div>\n<\/figcaption><\/figure>\n<\/div>\n
\n
\n

Firma, SVB ile ilgili haberler yay\u0131lmaya ba\u015flamadan \u00f6nce bir miktar paray\u0131 sabit vadeli bir tahvile aktarm\u0131\u015ft\u0131, ancak hesapta h\u00e2l\u00e2 yakla\u015f\u0131k 1 milyon sterlin vard\u0131.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“‘Param\u0131z\u0131 \u00e7ekip sorunu daha m\u0131 k\u00f6t\u00fcle\u015ftirelim yoksa bekleyelim mi’ ikilemiyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131k. Di\u011fer kurucularla bir WhatsApp grubundayd\u0131m ve fikir ayr\u0131l\u0131\u011f\u0131 ya\u015fad\u0131k.”<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Sonunda, Bay Edson Cuma sabah\u0131 eski Metro hesab\u0131na geri havale yapmay\u0131 se\u00e7ti ve para SVB’den ayr\u0131lm\u0131\u015f gibi g\u00f6r\u00fcnse de hen\u00fcz yeni var\u0131\u015f noktas\u0131na ula\u015fmad\u0131.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ancak HSBC m\u00fclkiyeti alt\u0131nda her \u015feyin iyi olaca\u011f\u0131ndan emin.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“Bence her finans m\u00fcd\u00fcr\u00fc b\u00fct\u00fcn hafta sonu \u00e7al\u0131\u015ft\u0131” dedi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“Pazar, yeni ba\u015flayanlar i\u00e7in her nesilde bir kez ger\u00e7ek bir siyah ku\u011fu gibi g\u00f6r\u00fcnd\u00fc. VC [risk sermayesi] d\u00fcnyas\u0131ndaki herkesi \u00f6z\u00fcne kadar sarst\u0131.”<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ayr\u0131ca yapt\u0131\u011f\u0131 bir \u015fey de, teknoloji sekt\u00f6r\u00fcn\u00fc ola\u011fand\u0131\u015f\u0131 bir ticari i\u015fbirli\u011fi an\u0131nda bir araya getirmek oldu.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Edson, “Kuruculardan veya yat\u0131r\u0131mc\u0131lardan son 48 saatte ald\u0131\u011f\u0131m kadar \u00e7ok mesaj almad\u0131m” dedi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Hayes, teknoloji patronlar\u0131n\u0131n h\u0131zl\u0131 bir \u015fekilde hesap a\u00e7mak i\u00e7in haz\u0131rlanan banka listeleri ve yard\u0131mc\u0131 olabilecek ki\u015fisel ba\u011flant\u0131lar gibi “pratik \u015feyler” payla\u015ft\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

Ayr\u0131ca, sorunun boyutunu belirlemek i\u00e7in, firmalar\u0131n risk alt\u0131ndaki para miktar\u0131 ve nakit ak\u0131\u015f\u0131 gereksinimleri gibi olduk\u00e7a hassas \u015firket bilgilerinin payla\u015f\u0131lmas\u0131n\u0131 i\u00e7eren bir veri toplama \u00e7al\u0131\u015fmas\u0131n\u0131 koordine ediyorlard\u0131.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“Di\u011fer insanlar\u0131n sadece dayan\u0131\u015fma ve destek payla\u015ft\u0131\u011f\u0131n\u0131 g\u00f6rd\u00fck” dedi.<\/span><\/p>\n<\/div>\n<\/div>\n

\n
\n

“\u0130nsanlar\u0131n bir araya geldi\u011fini g\u00f6rmek g\u00fczeldi.”<\/span><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Belirsizlik, panik ve aciliyet Pazartesi sabah\u0131 olduk\u00e7a s\u0131k duydu\u011fum \u00fc\u00e7 kelime. Ge\u00e7en haftan\u0131n sonuna do\u011fru olduk\u00e7a dramatik bir \u015fekilde iflas eden banka olan Silicon Valley Bank’ta hesaplar\u0131 olan Birle\u015fik Krall\u0131k merkezli baz\u0131 teknoloji firmalar\u0131yla konu\u015fuyorum. 3.000’den fazla ticari m\u00fc\u015fterisi olan Birle\u015fik Krall\u0131k kolu\u00a0\u015fu anda HSBC taraf\u0131ndan kurtar\u0131ld\u0131\u00a0, ancak ben yazarken, \u00e7evrimi\u00e7i bankac\u0131l\u0131k tesisi donmu\u015f durumda. …<\/p>\n","protected":false},"author":1,"featured_media":2456,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[904,903],"class_list":["post-2455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tie-tech","tag-silikon-vadisi-bankasi","tag-teknoloji-bankasi"],"_links":{"self":[{"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/posts\/2455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2455"}],"version-history":[{"count":1,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/posts\/2455\/revisions"}],"predecessor-version":[{"id":2457,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/posts\/2455\/revisions\/2457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=\/wp\/v2\/media\/2456"}],"wp:attachment":[{"href":"https:\/\/fonexmedya.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonexmedya.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}