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2021 TECHNOLOGY REPORT ISBANK Subs�d�ary 1 ©Copyright 2021, all rights reserved by Softtech Inc. No part or paragraph may be reproduced, published, represented, rented, copied, reproduced, be transmitted through signal, sound, and/or image transmission including wired/wireless broadcast or digital transmission, be stored for later use, be used, allowed to be used and distributed for commercial purposes, be used and distributed, in whole or in part or summary in any form. Quotations that exceed the normal size cannot be made. If it is desired to do so, Softtech A.Ş.’s written approval is required. In normal and legal quotations, citation in the form of “© Copyright 2021, all rights reserved by Softtech A.Ş.” is mandatory. The information and opinions of each author included in the report do not represent any institution and organization, especially Softtech and the institution they work with, they contain the opinions of the authors themselves. 2021 TECHNOLOGY REPORT ISBANK Subs�d�ary Colophon Preamble Jale İpekoğlu Umut Yalçın M. Murat Ertem Leyla Veliev Azimli Ussal Şahbaz Lucas Calleja Volkan Sözmen Mehmet Güneş Prof. Dr. Vasıf Hasırcı Authors Mehtap Özdemir Att. Yaşar K. Canpolat Ahmet Usta Mert Bağcılar Ali Can Işıtman Muhammet Özmen Editors Bahar Tekin Shirali Mustafa Dalcı Aylin Öztürk Berna Gedik Mustafa İçer Fatih Günaydın Burak Arık Mükremin Seçkin Yeniel Selçuk Sevindik Burak İnce Onur Koç Umut Esen Burcu Yapar Onur Yavuz Demet Zübeyiroğlu Ömer Erkmen Design Didem Altınbilek Assoc. Prof. Dr. Özge Can Emrah Yayıcı Qi Yin & Jlian Sun 12 Yapım Eren Hükümdar Rüken Aksakallı Temel Selçuk Sevindik Fatih Günaydın Salih Cemil Çetin GPT-3 Sara Holyavkin Contact Görkem Keskin Selçuk Sevindik Gül Çömez Prof. Dr. Selim Yazıcı Gizem Güzel Hakan Aran Serkan Akcan Nilüfer Yörüger Hakan Göl Sezai Sevgin Zeynep Deniz Hakan Olgun Simge Ulusoy Zeynep Korucu Hüsnü Mete Güneş Dr. Soner Canko İbrahim Oğuz Şebnem Elif Kocaoğlu Ulbrich Translation İhsan Elgin Tayfun Aydın İlhan Bağören Tufan Aygüneş BabylonWorks Assoc. Prof. Dr. İlhan Yılmaz Tuğrul Cora İrem Pulak Tyler Aveni Printing and Distribution Jack Cai Umut Esen PrintCenter PRESENTATION TECHNOLOGY REPORT The Technology Report is an annual report prepared by Softtech the basis of humans and technology at the end of the year, containing information on technology tren- ds expected to be on the rise in the following years, especially tho- > Digitalization of business models, entrepreneurship and ent- se affecting the business world. repreneurship ecosystems The main purpose of the report is to reveal the impact of techno- The Softtech Technology Report was enriched with the contributi- logy trends on the relevant sectors and to evaluate their areas of on of the guest writers in 2020. In 2021, it transformed into a more use. In doing so, issues such as legal constraints, business models, collective structure, once again with the contributions of experts and the direction of money, as well as the advantages and disad- of their fields, from entrepreneurs to entrepreneurship consul- vantages of technologies, are taken into consideration with a mul- tants, on topics ranging from banking to technology. tifaceted perspective. Moreover, estimations, assessments, and suggestions on when the future technology trends will be caught We would like to extend our thanks to everyone who contributed on the radar in the coming years and how great the magnitude of to the preparation of the report, especially the guest authors, who their effects will be are also included in the report. aimed to help knowledge multiply by sharing it with others. During the preparation of the report, a lot of research work is con- ducted and the technology trends topics to be included in the report are decided on. In the 2021 Technology Report, especially with the changes that occurred in the world with the appearance of Covid-19, four main topics stood out: > Digitalization of business life, the transition from physical of- fices to shared offices and digital immigrants, the interaction of humans with digital life and artificial intelligence > Digitalization of finance, increased collaborations, platform business models, and disintermediation > Digitalization of sectors, the transformation of corporations on 3 Contents PREAMBLE M. Murat Ertem .....................................................................................................6 Robotic Process Automation and UiPath - Tuğrul Cora ........................... 81 AUTHORS Biomaterials: What Are They, What Are They Not, and Which Way Are FUTURE OF TECHNOLOGIES The Developments Headed? - Prof. Dr. Vasıf Hasırcı ................................. 86 Technology Radar ............................................................................................ 10 The Road from Biotechnological Drugs to Nanobiotechnology GPT-3 - Eren Hükümdar ................................................................................... 31 Assoc. Prof. Dr. Özge Can ................................................................................. 91 Augmented Reality - GPT3 .............................................................................. 34 FINANCIAL TECHNOLOGIES Recent Developments in the Field of Quantum Computers in the World Fintech Radar .................................................................................................... 95 Every Company Will Be A Fintech Company! - İhsan Elgin ....................120 Jale İpekoğlu ..................................................................................................... 37 Banking as a Service - Burak Arık ................................................................128 Development of 5G and Innovative Business Models in the World and API Intermediary Institutions and API-Based Services in Banking and Turkey - İlhan Bağören .................................................................................... 45 Financial Industry - Mehmet Güneş ............................................................132 Smart Products Produced by Smart Factories - Onur Koç ....................... 50 Beyond Open Banking: Open Finance - Umut Esen ................................138 Is Urban Air Mobility (or Flying Cars) Really A Necessity? Open Insurance - Prof. Dr. Selim YAZICI......................................................146 Gül Çömez .......................................................................................................... 53 Super App - Tufan Aygüneş...........................................................................154 Smart Technology Architecture Means Smart Business Reimaging SME Lending - Tyler Aveni ........................................................161 Volkan Sözmen ................................................................................................. 58 Digitization of Payments - Umut YALÇIN ....................................................167 Evolution of the Cloud - Jack Cai .................................................................. 62 Digital Transformation of the Traditional Completed, What’s Next? Blockchain: Poison or Medicine? - Salih Cemil Çetin ................................ 71 Berna Gedik .....................................................................................................172 The Concept of Hardening in Information and Communication Security Verbal Transactions - Simge Ulusoy ...........................................................177 Serkan Akcan ..................................................................................................... 75 Decentralization as a Central Tool - Ahmet Usta ......................................180 Future Artificial Intelligence (AI) Trends and Their Major Social Effects Financial Ecosystem: “Old Facts, New Solutions” - Seçkin Yeniel ........185 Qi Yin & Jlian Sun .............................................................................................. 78 Leasing Industry - Overview: the World and Turkey - İrem Pulak .........190 Examining Factoring from A Technological Perspective From Human Resources Analytics to Unmediated Human Resources Bahar Tekin Shirali .........................................................................................193 Mustafa İçer .....................................................................................................282 Fintech’s Regulation: Opportunities and Risks - Ussal Şahbaz .............197 Digital Migration of Tribes - Muhammet Özmen ......................................286 Electronic Know Your Customer eKYC - Tayfun Aydın .............................201 How the New Generation Works: Digital Nomads - Selçuk Sevindik ....289 Regulatory Developments in 2020 for Financial Technologies The Impact of 2020 on Working Life - Ali Can Işıtman .............................295 Att. Yaşar K. Canpolat ....................................................................................207 How to Design the Best Customer Experience in the Digital Age? Consent Concept Evaluation In Terms of GDPR-KVKK Hüsnü Mete Güneş .........................................................................................300 Rüken Aksakallı Temel ...................................................................................212 Experience Design in the Pandemic - Mustafa Dalcı................................309 INDUSTRIES, DIGITALISATION AND HUMANS Service Design - Mert Bağcılar .....................................................................314 Evolving “Business Models” - Dr. Soner Canko .........................................217
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