{"id":72467,"date":"2024-12-27T19:10:41","date_gmt":"2024-12-27T10:10:41","guid":{"rendered":"https:\/\/monolith.law\/tr\/?p=72467"},"modified":"2025-01-01T20:07:16","modified_gmt":"2025-01-01T11:07:16","slug":"digital-salary","status":"publish","type":"post","link":"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary","title":{"rendered":"Dijital Maa\u015f \u00d6demeleri Nedir? Uygulama \u00d6rnekleri ve Prosed\u00fcrleri Hakk\u0131nda A\u00e7\u0131klama"},"content":{"rendered":"\n<p>H\u00fck\u00fcmetin Reiwa 7 (2025) y\u0131l\u0131na kadar nakitsiz \u00f6deme oran\u0131n\u0131 %40 olarak belirleme hedefi do\u011frultusunda, Reiwa 5 (2023) y\u0131l\u0131nda nakitsiz \u00f6deme oran\u0131 %39,3 (126,7 trilyon yen) ile tarihin en y\u00fcksek seviyesine ula\u015ft\u0131. Nakitsiz \u00f6deme talebinin art\u0131\u015f\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulunduran Japon Sa\u011fl\u0131k, \u0130\u015f ve Refah Bakanl\u0131\u011f\u0131, Reiwa 5 (2023) Nisan ay\u0131nda &#8216;Maa\u015flar\u0131n Dijital \u00d6denmesi (Dijital Maa\u015f)&#8217; uygulamas\u0131na izin verdi.<\/p>\n\n\n\n<p>Peki, ger\u00e7ekte maa\u015flar\u0131n dijital \u00f6denmesi nas\u0131l kullan\u0131labilir? Bu makalede, maa\u015flar\u0131n dijital \u00f6denmesinin (Dijital Maa\u015f) genel bir \u00f6zetini, avantaj ve dezavantajlar\u0131n\u0131 ve uygulama s\u00fcrecini a\u00e7\u0131klayaca\u011f\u0131z.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_53 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Odeme_Dijital_Maas_Nedir\" title=\"Dijital \u00d6deme (Dijital Maa\u015f) Nedir?\">Dijital \u00d6deme (Dijital Maa\u015f) Nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Ucret_Odemelerinin_Kabul_Edilmesinin_Arkasindaki_Sebepler\" title=\"Dijital \u00dccret \u00d6demelerinin Kabul Edilmesinin Arkas\u0131ndaki Sebepler\">Dijital \u00dccret \u00d6demelerinin Kabul Edilmesinin Arkas\u0131ndaki Sebepler<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Maas_Odemelerine_Iliskin_Duzenlemeler\" title=\"Dijital Maa\u015f \u00d6demelerine \u0130li\u015fkin D\u00fczenlemeler\">Dijital Maa\u015f \u00d6demelerine \u0130li\u015fkin D\u00fczenlemeler<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Isveren_Tarafindaki_Duzenlemeler\" title=\"\u0130\u015fveren Taraf\u0131ndaki D\u00fczenlemeler\">\u0130\u015fveren Taraf\u0131ndaki D\u00fczenlemeler<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Fon_Transfer_Hizmeti_Saglayicilarinin_Duzenlemeleri\" title=\"Fon Transfer Hizmeti Sa\u011flay\u0131c\u0131lar\u0131n\u0131n D\u00fczenlemeleri\">Fon Transfer Hizmeti Sa\u011flay\u0131c\u0131lar\u0131n\u0131n D\u00fczenlemeleri<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Maas_Odemelerinin_Avantajlari\" title=\"Dijital Maa\u015f \u00d6demelerinin Avantajlar\u0131\">Dijital Maa\u015f \u00d6demelerinin Avantajlar\u0131<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Isci_Tarafinin_Avantajlari\" title=\"\u0130\u015f\u00e7i Taraf\u0131n\u0131n Avantajlar\u0131\">\u0130\u015f\u00e7i Taraf\u0131n\u0131n Avantajlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Isveren_Tarafinin_Avantajlari\" title=\"\u0130\u015fveren Taraf\u0131n\u0131n Avantajlar\u0131\">\u0130\u015fveren Taraf\u0131n\u0131n Avantajlar\u0131<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Maaslarin_Dezavantajlari\" title=\"Dijital Maa\u015flar\u0131n Dezavantajlar\u0131\">Dijital Maa\u015flar\u0131n Dezavantajlar\u0131<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Isci_Tarafinin_Dezavantajlari\" title=\"\u0130\u015f\u00e7i Taraf\u0131n\u0131n Dezavantajlar\u0131\">\u0130\u015f\u00e7i Taraf\u0131n\u0131n Dezavantajlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Isveren_Tarafinin_Dezavantajlari\" title=\"\u0130\u015fveren Taraf\u0131n\u0131n Dezavantajlar\u0131\">\u0130\u015fveren Taraf\u0131n\u0131n Dezavantajlar\u0131<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Maas_Uygulama_Ornekleri\" title=\"Dijital Maa\u015f Uygulama \u00d6rnekleri\">Dijital Maa\u015f Uygulama \u00d6rnekleri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Dijital_Maas_Odemesi_Uygulama_Sureci\" title=\"Dijital Maa\u015f \u00d6demesi Uygulama S\u00fcreci\">Dijital Maa\u015f \u00d6demesi Uygulama S\u00fcreci<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Uygulama_Surecinin_Akisi\" title=\"Uygulama S\u00fcrecinin Ak\u0131\u015f\u0131\">Uygulama S\u00fcrecinin Ak\u0131\u015f\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Fon_Transfer_Hizmet_Saglayicisinin_Secimi_Icin_Dikkat_Edilecek_Noktalar\" title=\"Fon Transfer Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Se\u00e7imi \u0130\u00e7in Dikkat Edilecek Noktalar\">Fon Transfer Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Se\u00e7imi \u0130\u00e7in Dikkat Edilecek Noktalar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Isci_ve_Isveren_Arasinda_Anlasmanin_Yapilmasi\" title=\"\u0130\u015f\u00e7i ve \u0130\u015fveren Aras\u0131nda Anla\u015fman\u0131n Yap\u0131lmas\u0131\">\u0130\u015f\u00e7i ve \u0130\u015fveren Aras\u0131nda Anla\u015fman\u0131n Yap\u0131lmas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Calisanlara_Aciklama_Yapilmasi_ve_Bireysel_Onaylarin_Alinmasi\" title=\"\u00c7al\u0131\u015fanlara A\u00e7\u0131klama Yap\u0131lmas\u0131 ve Bireysel Onaylar\u0131n Al\u0131nmas\u0131\">\u00c7al\u0131\u015fanlara A\u00e7\u0131klama Yap\u0131lmas\u0131 ve Bireysel Onaylar\u0131n Al\u0131nmas\u0131<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Ozet_Dijital_Maaslarin_Gelecegi\" title=\"\u00d6zet: Dijital Maa\u015flar\u0131n Gelece\u011fi\">\u00d6zet: Dijital Maa\u015flar\u0131n Gelece\u011fi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/monolith.law\/tr\/general-corporate\/digital-salary\/#Hukuk_Buromuz_Tarafindan_Sunulan_Cozumler\" title=\"Hukuk B\u00fcromuz Taraf\u0131ndan Sunulan \u00c7\u00f6z\u00fcmler\">Hukuk B\u00fcromuz Taraf\u0131ndan Sunulan \u00c7\u00f6z\u00fcmler<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Odeme_Dijital_Maas_Nedir\"><\/span>Dijital \u00d6deme (Dijital Maa\u015f) Nedir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2024\/10\/cbb7871569c544101d14b4a0dd62bba1.jpg\" alt=\"Dijital maa\u015f \u00f6demesi nedir\" class=\"wp-image-89367\" \/><\/figure>\n\n\n\n<p>Dijital \u00f6deme (dijital maa\u015f), \u00e7al\u0131\u015fanlar\u0131n onay\u0131 halinde, geleneksel nakit \u00f6deme veya banka hesab\u0131na transfer yerine, elektronik y\u00f6ntemler (ak\u0131ll\u0131 telefon \u00f6deme uygulamalar\u0131, \u00f6n \u00f6demeli kartlar, dijital para birimleri gibi) kullanarak, fon transferi hizmeti veren \u015firketlerin hesaplar\u0131na para transferi yaparak maa\u015f al\u0131m\u0131n\u0131 ger\u00e7ekle\u015ftiren bir sistemdir.<\/p>\n\n\n\n<p>Fon transferi hizmeti veren \u015firketler, bankalar d\u0131\u015f\u0131nda para transferi hizmeti sunan kay\u0131tl\u0131 i\u015fletmelerdir. A\u011fustos 2024 (Reiwa 6) itibar\u0131yla 82 \u015firket kay\u0131tl\u0131d\u0131r. SoftBank grubuna ait &#8216;PayPay&#8217; veya LINE&#8217;\u0131n &#8216;LINE Pay&#8217; gibi ak\u0131ll\u0131 telefon uygulamalar\u0131 \u00fczerinden \u00f6deme i\u015flevi de sunan hizmetler bilinmektedir ve kullan\u0131c\u0131lar, bu fon transferi hizmeti veren \u015firketlerin ak\u0131ll\u0131 telefon uygulamalar\u0131n\u0131 banka hesaplar\u0131yla ba\u011flayarak, y\u00fckledikleri paray\u0131 transfer ve al\u0131\u015fveri\u015f i\u00e7in kullanabilirler.<\/p>\n\n\n\n<p>Fon transferi i\u015fi yapabilmek i\u00e7in, &#8216;Japon Fon \u00d6deme Hizmetleri Yasas\u0131&#8217;na dayanarak, \u00f6nceden Ba\u015fbakan\u0131n kayd\u0131n\u0131 almak zorundad\u0131rlar. Kay\u0131ts\u0131z fon transferi i\u015fi (d\u00f6viz i\u015flemleri) yap\u0131lmas\u0131 durumunda, Bankac\u0131l\u0131k Yasas\u0131&#8217;n\u0131n 4. maddesinin 1. f\u0131kras\u0131na ayk\u0131r\u0131 olarak lisanss\u0131z i\u015fletme olarak Bankac\u0131l\u0131k Yasas\u0131&#8217;n\u0131n cezai yapt\u0131r\u0131mlar\u0131na tabi olunur.<\/p>\n\n\n\n<p>Referans: <a href=\"https:\/\/www.s-kessai.jp\/businesses\/funds_transfer_overview.html\" target=\"_blank\" rel=\"noreferrer noopener\">Japon Fon \u00d6deme Hizmetleri Derne\u011fi &#8216;Fon Transferi \u0130\u015fletmeleri Genel Bak\u0131\u015f'[ja]<\/a><\/p>\n\n\n\n<p>Kay\u0131tl\u0131 fon transferi hizmeti veren \u015firketler aras\u0131nda, maa\u015f\u0131n dijital \u00f6demesi i\u00e7in kullan\u0131labilecek olanlar yaln\u0131zca \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakan\u0131 taraf\u0131ndan belirlenen \u015firketlerin hesaplar\u0131d\u0131r (yaz\u0131 yaz\u0131l\u0131rken, \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakan\u0131 taraf\u0131ndan belirlenen tek fon transferi hizmeti veren \u015firket PayPay Corporation&#8217;d\u0131r).<\/p>\n\n\n\n<p>Dijital maa\u015f \u00f6demesi, se\u00e7eneklerden biridir. \u0130\u015fverenler, dijital \u00f6demeyi istemeyen \u00e7al\u0131\u015fanlara bunu zorla uygulayamazlar. Ayr\u0131ca, \u00e7al\u0131\u015fanlar maa\u015flar\u0131n\u0131n sadece bir k\u0131sm\u0131n\u0131 belirlenen fon transferi hizmeti veren \u015firket hesaplar\u0131ndan almay\u0131 tercih edebilirler.<\/p>\n\n\n\n<p>Referans: <a href=\"https:\/\/www.mhlw.go.jp\/stf\/seisakunitsuite\/bunya\/koyou_roudou\/roudoukijun\/zigyonushi\/shienjigyou\/03_00028.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131\uff5cFon Transferi Hizmeti Veren \u015eirket Hesaplar\u0131na Maa\u015f \u00d6demesi (Dijital Maa\u015f \u00d6demesi) Hakk\u0131nda[ja]<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Ucret_Odemelerinin_Kabul_Edilmesinin_Arkasindaki_Sebepler\"><\/span>Dijital \u00dccret \u00d6demelerinin Kabul Edilmesinin Arkas\u0131ndaki Sebepler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Son y\u0131llarda dijitalle\u015fmenin ilerlemesiyle birlikte \u00fccret \u00f6demelerindeki de\u011fi\u015fiklikler, \u00fccretlerin dijital olarak \u00f6denmesine olanak tan\u0131yan bir zemin haz\u0131rlam\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p>\u00dccretlerin nakit olarak \u00f6denmesi esast\u0131r (Japon \u0130\u015f Kanunu Madde 24). Ancak, \u00e7al\u0131\u015fan\u0131n onay\u0131 al\u0131nd\u0131\u011f\u0131nda, istisna olarak 1: banka hesaplar\u0131na ve 2: menkul k\u0131ymet konsolide hesaplar\u0131na \u00fccret \u00f6demeleri yap\u0131lmas\u0131na izin verilmektedir (Japon \u0130\u015f Kanunu Uygulama Y\u00f6netmeli\u011fi Madde 7&#8217;nin 2).<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Madde 24: \u00dccretler, nakit olarak ve do\u011frudan \u00e7al\u0131\u015fana, tamam\u0131n\u0131n \u00f6denmesi gerekmektedir. Ancak, yasalar veya i\u015f s\u00f6zle\u015fmeleri taraf\u0131ndan aksi belirlenmi\u015fse veya \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 taraf\u0131ndan belirlenen g\u00fcvenilir \u00f6deme y\u00f6ntemleriyle, \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 taraf\u0131ndan belirlenen \u00fccretler i\u00e7in, nakit d\u0131\u015f\u0131nda \u00f6deme yap\u0131labilir. Ayr\u0131ca, yasalar taraf\u0131ndan aksi belirlenmi\u015fse veya ilgili i\u015f yerinde \u00e7al\u0131\u015fanlar\u0131n \u00e7o\u011funlu\u011funu olu\u015fturan bir sendika varsa, bu sendika veya sendika yoksa \u00e7al\u0131\u015fanlar\u0131n \u00e7o\u011funlu\u011funu temsil eden ki\u015filerle yaz\u0131l\u0131 bir anla\u015fma varsa, \u00fccretlerin bir k\u0131sm\u0131 kesinti yap\u0131larak \u00f6denebilir.<\/p>\n<cite>Japon \u0130\u015f Kanunu<\/cite><\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Madde 7&#8217;nin 2: \u0130\u015fveren, \u00e7al\u0131\u015fan\u0131n onay\u0131n\u0131 ald\u0131\u011f\u0131nda, a\u015fa\u011f\u0131daki y\u00f6ntemlerle \u00fccret \u00f6demesi yapabilir. Ancak, \u00fc\u00e7\u00fcnc\u00fc y\u00f6ntemle \u00f6deme yap\u0131lacaksa, ilgili \u00e7al\u0131\u015fan\u0131n birinci veya ikinci y\u00f6ntemle \u00fccret \u00f6demesini se\u00e7ebilmesi sa\u011flanmal\u0131 ve ilgili \u00e7al\u0131\u015fana, \u00fc\u00e7\u00fcnc\u00fc y\u00f6ntemin a&#8217;dan h&#8217;ye kadar olan gereklilikleri hakk\u0131nda bilgi verildikten sonra onay\u0131 al\u0131nmal\u0131d\u0131r.<br>1. \u0130lgili \u00e7al\u0131\u015fan\u0131n belirledi\u011fi banka veya di\u011fer finans kurulu\u015flar\u0131na yap\u0131lan mevduat veya tasarruf hesaplar\u0131na transfer<br>2. \u0130lgili \u00e7al\u0131\u015fan\u0131n belirledi\u011fi finansal \u00fcr\u00fcn ticaret \u015firketlerine (Japon Finansal \u00dcr\u00fcn Ticaret Kanunu (1948 y\u0131l\u0131 kanun no. 25) Madde 2&#8217;nin 9. f\u0131kras\u0131nda belirtilen finansal \u00fcr\u00fcn ticaret \u015firketleri (sadece birinci t\u00fcr finansal \u00fcr\u00fcn ticaret i\u015fi yapanlar ve Japon Finansal \u00dcr\u00fcn Ticaret Kanunu Madde 29-4-2&#8217;nin 9. f\u0131kras\u0131nda belirtilen birinci t\u00fcr k\u00fc\u00e7\u00fck miktarl\u0131 elektronik toplama i\u015fi yapanlar hari\u00e7) anlam\u0131na gelir. A\u015fa\u011f\u0131da bu madde i\u00e7inde ayn\u0131 anlamda kullan\u0131l\u0131r.) taraf\u0131ndan tutulan mevduat (a\u015fa\u011f\u0131daki gereklilikleri kar\u015f\u0131layanlarla s\u0131n\u0131rl\u0131d\u0131r.)&#8217;a \u00f6deme<\/p>\n<cite><a href=\"https:\/\/laws.e-gov.go.jp\/law\/322M40000100023\" target=\"_blank\" rel=\"noreferrer noopener\">Japon \u0130\u015f Kanunu Uygulama Y\u00f6netmeli\u011fi Madde 7&#8217;nin 2[ja]<\/a><\/cite><\/blockquote>\n\n\n\n<p>Fakat, internet bankac\u0131l\u0131\u011f\u0131 ve mobil bankac\u0131l\u0131\u011f\u0131n yayg\u0131nla\u015fmas\u0131, blok zinciri teknolojisinin geli\u015fmesiyle birlikte, dijital para birimleri hayat\u0131m\u0131z\u0131n vazge\u00e7ilmez bir par\u00e7as\u0131 haline gelmi\u015ftir.<\/p>\n\n\n\n<p>Bu nedenle, \u00fccret \u00f6demeleri i\u00e7in yeni bir se\u00e7enek olarak, dijital para birimlerini y\u00f6neten fon transferi i\u015fletmelerinin hesaplar\u0131na \u00fccret \u00f6demelerine izin verilmesi gerekti\u011fi ve Japon \u0130\u015f Kanunu Uygulama Y\u00f6netmeli\u011finde gerekli de\u011fi\u015fikliklerin yap\u0131lmas\u0131 gerekti\u011fi d\u00fc\u015f\u00fcn\u00fclerek, \u00fccret \u00f6demelerinin dijitalle\u015ftirilmesi \u00fczerine \u00e7al\u0131\u015fmalar yap\u0131lm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Maas_Odemelerine_Iliskin_Duzenlemeler\"><\/span>Dijital Maa\u015f \u00d6demelerine \u0130li\u015fkin D\u00fczenlemeler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Maa\u015flar\u0131n dijital \u00f6deme ile yap\u0131lmas\u0131na ili\u015fkin d\u00fczenlemeler, b\u00fcy\u00fck \u00f6l\u00e7\u00fcde &#8220;i\u015fveren taraf\u0131ndaki d\u00fczenlemeler&#8221; ve &#8220;fon transfer hizmeti sa\u011flay\u0131c\u0131lar\u0131n\u0131n d\u00fczenlemeleri&#8221; olmak \u00fczere iki ana ba\u015fl\u0131k alt\u0131nda incelenebilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isveren_Tarafindaki_Duzenlemeler\"><\/span>\u0130\u015fveren Taraf\u0131ndaki D\u00fczenlemeler<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Daha \u00f6nce de belirtildi\u011fi \u00fczere, i\u015fveren konumundaki \u015firketlerin maa\u015flar\u0131 dijital \u00f6deme yapmak istediklerinde, \u00e7al\u0131\u015fanlar\u0131n onay\u0131n\u0131 almas\u0131 gerekmektedir.<\/p>\n\n\n\n<p>Bu durumda, i\u015fverenlerin \u00e7al\u0131\u015fanlara a\u015fa\u011f\u0131daki a\u00e7\u0131klamalar\u0131 yapma zorunlulu\u011fu bulunmaktad\u0131r:<\/p>\n\n\n\n<ul>\n<li>Hesap bakiyesinin \u00fcst limitinin 1 milyon yen (yakla\u015f\u0131k 100 bin TL) veya alt\u0131nda olmas\u0131, veya 1 milyon yen&#8217;i a\u015fmas\u0131 durumunda bile h\u0131zl\u0131 bir \u015fekilde 1 milyon yen veya alt\u0131na indirilmesi i\u00e7in gerekli \u00f6nlemlerin al\u0131nm\u0131\u015f olmas\u0131.<\/li>\n\n\n\n<li>\u0130flas gibi durumlarda fon transfer hizmeti sa\u011flay\u0131c\u0131s\u0131n\u0131n bor\u00e7lar\u0131n\u0131 yerine getirememe riskine kar\u015f\u0131, \u00e7al\u0131\u015fanlara kar\u015f\u0131 olan bor\u00e7lar\u0131n h\u0131zl\u0131 bir \u015fekilde garanti alt\u0131na al\u0131nm\u0131\u015f olmas\u0131.<\/li>\n\n\n\n<li>\u00c7al\u0131\u015fan\u0131n kusuru olmaks\u0131z\u0131n, haks\u0131z d\u00f6viz i\u015flemleri veya di\u011fer sebeplerle \u00e7al\u0131\u015fana ait kay\u0131plar\u0131n olu\u015fmas\u0131 durumunda, bu kay\u0131plar\u0131n tazmin edilmesi i\u00e7in bir sistem bulunmas\u0131.<\/li>\n\n\n\n<li>Hesap bakiyesinin son de\u011fi\u015fiklik tarihinden itibaren en az 10 y\u0131l ge\u00e7erli olmas\u0131.<\/li>\n\n\n\n<li>Nakit Otomatik \u00d6deme Makineleri (ATM) kullan\u0131larak hesaba fon transferi yap\u0131labilmesi ve en az\u0131ndan her ay bir kez \u00fccret \u00f6demeden para \u00e7ekilebilmesi. Ayr\u0131ca, hesaba yap\u0131lan fon transferlerinin 1 yen biriminde ger\u00e7ekle\u015ftirilebilmesi.<\/li>\n\n\n\n<li>Maa\u015f \u00f6demeleri ile ilgili i\u015flemlerin ve finansal durumun d\u00fczenli olarak Japon \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131&#8217;na rapor edilebilmesi i\u00e7in gerekli sistemin bulunmas\u0131.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fon_Transfer_Hizmeti_Saglayicilarinin_Duzenlemeleri\"><\/span>Fon Transfer Hizmeti Sa\u011flay\u0131c\u0131lar\u0131n\u0131n D\u00fczenlemeleri<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u00d6ncelikle, fon transfer hizmeti sa\u011flay\u0131c\u0131lar\u0131 i\u00e7in, Japon Finansal Hizmetler Ajans\u0131 taraf\u0131ndan &#8220;teminat yat\u0131rma&#8221; ve &#8220;sistem risk y\u00f6netimi&#8221; gibi gerekli d\u00fczenlemeler, Japon Fon \u00d6deme Kanunu ve di\u011fer ilgili yasalara dayanarak yap\u0131lm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p>Fakat, maa\u015f \u00f6demelerini ger\u00e7ekle\u015ftiren hizmet sa\u011flay\u0131c\u0131lar, \u00f6zellikle i\u015f\u00e7i sorunlar\u0131n\u0131 i\u00e7erdi\u011fi i\u00e7in, Japon \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 taraf\u0131ndan daha a\u011f\u0131r \u015fartlar getirilmi\u015f ve &#8220;maa\u015flar\u0131n g\u00fcvenli bir \u015fekilde \u00f6denmesi&#8221; i\u00e7in i\u015fverenin yukar\u0131da belirtilen a\u00e7\u0131klama y\u00fck\u00fcml\u00fcl\u00fcklerini i\u00e7eren \u00f6zel \u015fartlar, Japon \u0130\u015f Kanunu Uygulama Y\u00f6netmeli\u011fi&#8217;ne dayanarak belirlenmi\u015ftir.<\/p>\n\n\n\n<p>Bunlara ek olarak,<\/p>\n\n\n\n<ul>\n<li>Maa\u015f \u00f6demeleri ile ilgili i\u015flemleri uygun ve g\u00fcvenilir bir \u015fekilde ger\u00e7ekle\u015ftirebilecek teknik kapasiteye ve yeterli toplumsal g\u00fcvene sahip olunmas\u0131.<\/li>\n<\/ul>\n\n\n\n<p>gibi \u015fartlar\u0131 sa\u011flayan hizmet sa\u011flay\u0131c\u0131lar, Japon \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakan\u0131 taraf\u0131ndan belirlenen kriterlere uygun olarak se\u00e7ilir ve bu kriterleri kar\u015f\u0131layan i\u015fletmeler, fon transfer hizmeti sa\u011flay\u0131c\u0131lar\u0131ndan gelen ba\u015fvurulara dayanarak belirlenir.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Maas_Odemelerinin_Avantajlari\"><\/span>Dijital Maa\u015f \u00d6demelerinin Avantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2024\/10\/a3e2bebbbd18ab9195487c8b62e3ba94.jpg\" alt=\"Dijital maa\u015f \u00f6demelerinin avantajlar\u0131\" class=\"wp-image-89363\" \/><\/figure>\n\n\n\n<p>Dijital olarak maa\u015f \u00f6demesi yapman\u0131n avantajlar\u0131 \u015funlard\u0131r:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isci_Tarafinin_Avantajlari\"><\/span>\u0130\u015f\u00e7i Taraf\u0131n\u0131n Avantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u00d6ncelikle, i\u015f\u00e7iler maa\u015flar\u0131n\u0131 banka hesab\u0131 kullanmadan do\u011frudan alabilirler.<\/p>\n\n\n\n<p>Ayr\u0131ca al\u0131nan maa\u015f, en az ayda bir kez, ATM gibi ara\u00e7lar kullan\u0131larak komisyon \u00f6demeden kuru\u015fu kuru\u015funa \u00e7ekilebilir ve nakit olarak da al\u0131nabilir. Maa\u015f\u0131n al\u0131nd\u0131\u011f\u0131 hesap bakiyesinin \u00fcst limiti 1 milyon yen (yakla\u015f\u0131k 100 bin TL) olarak belirlenmi\u015ftir ve bu miktar\u0131 a\u015fan durumlarda, i\u015f\u00e7inin \u00f6nceden kaydettirdi\u011fi banka hesab\u0131na para transferi yap\u0131l\u0131r.<\/p>\n\n\n\n<p>\u0130\u015f\u00e7i isterse, maa\u015f\u0131n\u0131n bir k\u0131sm\u0131n\u0131 para transferi \u015firketlerinin hesaplar\u0131na, geri kalan\u0131n\u0131 ise banka hesab\u0131na almay\u0131 tercih edebilir. \u00d6rne\u011fin, net maa\u015f\u0131 300 bin yen (yakla\u015f\u0131k 30 bin TL) olan bir i\u015f\u00e7i, 200 bin yenini (yakla\u015f\u0131k 20 bin TL) banka hesab\u0131na yat\u0131rmay\u0131 ve kalan 100 bin yenini (yakla\u015f\u0131k 10 bin TL) dijital maa\u015f olarak almay\u0131 istedi\u011finde, bu \u015fekilde \u00f6deme yapmak m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isveren_Tarafinin_Avantajlari\"><\/span>\u0130\u015fveren Taraf\u0131n\u0131n Avantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0130\u015fveren taraf\u0131 i\u00e7in, banka hesab\u0131 arac\u0131l\u0131\u011f\u0131yla i\u015flem yapma zorunlulu\u011fu ortadan kalkar ve bu sayede i\u015flem \u00fccreti \u00f6demekten kurtulur, bu da ekonomik bir avantaj sa\u011flar.<\/p>\n\n\n\n<p>\u0130\u015fverenler, maa\u015flar\u0131n dijital \u00f6deme y\u00f6ntemiyle \u00f6denmesini sa\u011flayarak, \u00e7al\u0131\u015fma ortam\u0131n\u0131n iyile\u015ftirilmesine y\u00f6nelik \u00e7abalar\u0131n\u0131 g\u00f6stermi\u015f olur. Sosyal g\u00fcvenlik ve \u00e7al\u0131\u015fanlar\u0131n ilgisinin y\u00fcksek oldu\u011fu konularda yeni sistemlere adapte olmak, \u00e7al\u0131\u015fma ko\u015fullar\u0131n\u0131n iyile\u015ftirilmesi ve \u00e7al\u0131\u015fan memnuniyetine proaktif bir yakla\u015f\u0131m sergilemek, \u015firketin imaj\u0131n\u0131 g\u00fc\u00e7lendirir ve yetenek s\u0131k\u0131nt\u0131s\u0131n\u0131n \u00e7\u00f6z\u00fclmesine katk\u0131da bulunabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Maaslarin_Dezavantajlari\"><\/span>Dijital Maa\u015flar\u0131n Dezavantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Maa\u015flar\u0131n dijital olarak \u00f6denmesinin dezavantajlar\u0131 ise \u015funlar olabilir:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isci_Tarafinin_Dezavantajlari\"><\/span>\u0130\u015f\u00e7i Taraf\u0131n\u0131n Dezavantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dijital maa\u015f \u00f6demesi, i\u015f\u00e7ilerin se\u00e7ebilece\u011fi bir y\u00f6ntemdir; ancak elektronik para gibi konulara a\u015fina olmayan ki\u015filer i\u00e7in uygulamak zor olabilir. \u00d6zellikle ya\u015fl\u0131lar aras\u0131nda elektronik para kullan\u0131m oran\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131 nedeniyle, dijital maa\u015f i\u00e7in yeni bir hesap a\u00e7ma gibi sorunlar ortaya \u00e7\u0131kabilir.<\/p>\n\n\n\n<p>Ayr\u0131ca, daha \u00f6nce belirtildi\u011fi gibi, hesaplar\u0131n \u00fcst limiti 1 milyon yen (yakla\u015f\u0131k 100 bin TL) alt\u0131nda olacak \u015fekilde ayarlanmal\u0131d\u0131r. Bu nedenle, dijital maa\u015f ile hesab\u0131n \u00fcst limiti olan 1 milyon yen&#8217;i a\u015farsan\u0131z, \u00f6nceden belirlenen bir banka hesab\u0131na otomatik olarak para transferi ger\u00e7ekle\u015fir.<\/p>\n\n\n\n<p>Ek olarak, sistem ar\u0131zalar\u0131 veya siber sald\u0131r\u0131lar nedeniyle maa\u015f \u00f6demelerinde gecikmeler veya ba\u015far\u0131s\u0131zl\u0131klar ya\u015fanabilir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isveren_Tarafinin_Dezavantajlari\"><\/span>\u0130\u015fveren Taraf\u0131n\u0131n Dezavantajlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Global \u015firketlerde, farkl\u0131 \u00fclke ve b\u00f6lgelerdeki d\u00fczenlemelere ve yasalara uyum sa\u011flamak gerekti\u011finden, \u00f6zellikle dikkatli olunmas\u0131 gerekmektedir.<\/p>\n\n\n\n<p>Ayr\u0131ca, \u00e7al\u0131\u015fanlar\u0131n istihdam bilgileri ile ba\u011flant\u0131l\u0131 oldu\u011fundan, maa\u015f bilgilerinin hacklenmesi veya s\u0131zd\u0131r\u0131lmas\u0131 gibi riskler ta\u015f\u0131r, bu nedenle kullan\u0131lan dijital para birimine bak\u0131lmaks\u0131z\u0131n, g\u00fc\u00e7l\u00fc g\u00fcvenlik \u00f6nlemleri al\u0131nmas\u0131 gerekmektedir.<\/p>\n\n\n\n<p>Dijital maa\u015flara uyum sa\u011flamak i\u00e7in, \u015firket i\u00e7i sistemlerin kurulumu gibi ba\u015flang\u0131\u00e7ta yat\u0131r\u0131m yap\u0131lmas\u0131 gereken durumlar da vard\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Maas_Uygulama_Ornekleri\"><\/span>Dijital Maa\u015f Uygulama \u00d6rnekleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/monolith.law\/wp-content\/uploads\/2024\/10\/3b7de2fd67b0e4787a0b9d29fce355cb.jpg\" alt=\"Ger\u00e7ek Uygulama \u00d6rnekleri\" class=\"wp-image-89368\" \/><\/figure>\n\n\n\n<p>\u00dclkemizde 2024 A\u011fustos itibar\u0131yla, SoftBank Group&#8217;un 10 \u015firketi maa\u015flar\u0131n dijital \u00f6demesine uyum sa\u011flayarak &#8216;PayPay Maa\u015f Alma&#8217; hizmetini kullanmaya ba\u015flad\u0131klar\u0131n\u0131 duyurdu.<\/p>\n\n\n\n<p>Referans: <a href=\"https:\/\/www.softbank.jp\/corp\/news\/press\/sbkk\/2024\/20240809_01\/\" target=\"_blank\" rel=\"noreferrer noopener\">SoftBank Group&#8217;un 10 \u015firketi maa\u015flar\u0131n dijital \u00f6demesine uyum sa\u011flayarak &#8216;PayPay Maa\u015f Alma&#8217; hizmetini kullanmaya ba\u015flad\u0131[ja]<\/a><\/p>\n\n\n\n<p>&#8216;PayPay Maa\u015f Alma&#8217; hizmetine uyum sa\u011flama karar\u0131 alan \u015firketler; SoftBank Group Corp., SoftBank Corp., LINE Yahoo K.K., PayPay Corporation, SB C&amp;S Corp., SB At Work Corp., SB Technology Corp., SB Payment Service Corp., PayPay Card Corp. ve PayPay Securities Corp. olmak \u00fczere 10 \u015firkettir.<\/p>\n\n\n\n<p>Bu grup \u015firketlerinin \u00e7al\u0131\u015fanlar\u0131, PayPay Corporation taraf\u0131ndan dijital maa\u015f \u00f6demelerini alacaklar; ancak, \u015fu anda Japonya&#8217;da lisansl\u0131 tek fon transfer \u015firketi PayPay Corporation oldu\u011fu i\u00e7in, bu uygulama \u00fclkemizde bir ilk olarak dikkat \u00e7ekmektedir.<\/p>\n\n\n\n<p>Referans: <a href=\"https:\/\/about.paypay.ne.jp\/pr\/20240809\/01\/\" target=\"_blank\" rel=\"noopener\" title=\"\">PayPay Corporation &#8220;Dijital Maa\u015f \u00d6demeleri i\u00e7in \u00c7al\u0131\u015fma, Sa\u011fl\u0131k ve Refah Bakan\u0131 taraf\u0131ndan belirlenme&#8221;<\/a><\/p>\n\n\n\n<p>Referans: Sa\u011fl\u0131k, \u00c7al\u0131\u015fma ve Refah Bakanl\u0131\u011f\u0131 &#8220;PayPay Corporation Hizmet \u00d6zeti&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dijital_Maas_Odemesi_Uygulama_Sureci\"><\/span>Dijital Maa\u015f \u00d6demesi Uygulama S\u00fcreci<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Peki, ger\u00e7ekte maa\u015flar\u0131n dijital \u00f6demesini uygulamaya koyarken i\u015fveren taraf\u0131n\u0131n hangi prosed\u00fcrleri yerine getirmesi gerekiyor? Burada, s\u00fcrecin ak\u0131\u015f\u0131 ve dikkat edilmesi gereken noktalar hakk\u0131nda bilgi veriyoruz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Uygulama_Surecinin_Akisi\"><\/span>Uygulama S\u00fcrecinin Ak\u0131\u015f\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dijital maa\u015f \u00f6demesini uygulamaya koyacak i\u015fverenler i\u00e7in a\u015fa\u011f\u0131daki alt\u0131 ad\u0131m gereklidir:<\/p>\n\n\n\n<ol>\n<li>\u00c7al\u0131\u015fma, Sosyal Hizmetler ve E\u015fitlik Bakan\u0131 taraf\u0131ndan belirlenen fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131n\u0131n teyidi<\/li>\n\n\n\n<li>Se\u00e7ilen fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131n\u0131n servislerinin de\u011ferlendirilmesi<\/li>\n\n\n\n<li>\u0130\u015f\u00e7i ve i\u015fveren aras\u0131nda anla\u015fman\u0131n yap\u0131lmas\u0131 vb.<\/li>\n\n\n\n<li>\u00c7al\u0131\u015fanlara a\u00e7\u0131klama yap\u0131lmas\u0131<\/li>\n\n\n\n<li>\u00c7al\u0131\u015fanlar\u0131n bireysel onaylar\u0131n\u0131n al\u0131nmas\u0131<\/li>\n\n\n\n<li>Maa\u015f \u00f6deme i\u015flemlerinin kontrol\u00fc ve uygulanmas\u0131<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fon_Transfer_Hizmet_Saglayicisinin_Secimi_Icin_Dikkat_Edilecek_Noktalar\"><\/span>Fon Transfer Hizmet Sa\u011flay\u0131c\u0131s\u0131n\u0131n Se\u00e7imi \u0130\u00e7in Dikkat Edilecek Noktalar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A\u015fa\u011f\u0131daki noktalara dikkat ederek fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131n\u0131 se\u00e7in:<\/p>\n\n\n\n<ul>\n<li>Hesap bakiyesi i\u00e7in belirlenen \u00fcst limit<\/li>\n\n\n\n<li>G\u00fcnl\u00fck \u00f6deme \u00fcst limiti<\/li>\n\n\n\n<li>\u00dccretlerin varl\u0131\u011f\u0131 ve miktar\u0131<\/li>\n\n\n\n<li>Fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131 ile s\u00f6zle\u015fme yapma zorunlulu\u011fu<\/li>\n<\/ul>\n\n\n\n<p>Birden fazla fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131n\u0131 se\u00e7mek de m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<p>Yaz\u0131 yaz\u0131ld\u0131\u011f\u0131 s\u0131rada, belirlenen fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131 sadece PayPay Corporation (PayPay\u682a\u5f0f\u4f1a\u793e) olarak belirlenmi\u015ftir.<\/p>\n\n\n\n<p>Referans: <a href=\"https:\/\/www.mhlw.go.jp\/content\/11200000\/001282164.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u00c7al\u0131\u015fma, Sosyal Hizmetler ve E\u015fitlik Bakanl\u0131\u011f\u0131\uff5cDijital maa\u015f \u00f6demesi uygulamas\u0131 i\u00e7in gerekli prosed\u00fcrler[ja]<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Isci_ve_Isveren_Arasinda_Anlasmanin_Yapilmasi\"><\/span>\u0130\u015f\u00e7i ve \u0130\u015fveren Aras\u0131nda Anla\u015fman\u0131n Yap\u0131lmas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dijital maa\u015f \u00f6demesi uygulamas\u0131na ge\u00e7i\u015fte, e\u011fer bir i\u015f\u00e7i sendikas\u0131 varsa, bu sendika ile veya yoksa i\u015f\u00e7ilerin \u00e7o\u011funlu\u011funu temsil eden ki\u015fi ile i\u015f\u00e7i ve i\u015fveren aras\u0131nda bir anla\u015fma yap\u0131lmas\u0131 gerekmektedir.<\/p>\n\n\n\n<p>\u0130\u015f\u00e7i ve i\u015fveren aras\u0131nda yap\u0131lacak anla\u015fmada a\u015fa\u011f\u0131daki maddeler yer almal\u0131d\u0131r:<\/p>\n\n\n\n<ul>\n<li>Hedeflenen \u00e7al\u0131\u015fanlar\u0131n kapsam\u0131<\/li>\n\n\n\n<li>Hedeflenen maa\u015flar\u0131n kapsam\u0131 ve miktar\u0131<\/li>\n\n\n\n<li>Se\u00e7ilen fon transfer hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131n kapsam\u0131<\/li>\n\n\n\n<li>Uygulaman\u0131n ba\u015flang\u0131\u00e7 tarihi<\/li>\n<\/ul>\n\n\n\n<p>Ayr\u0131ca, <a href=\"https:\/\/www.mhlw.go.jp\/stf\/seisakunitsuite\/bunya\/koyou_roudou\/roudoukijun\/zigyonushi\/shienjigyou\/03_00028.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u00c7al\u0131\u015fma, Sosyal Hizmetler ve E\u015fitlik Bakanl\u0131\u011f\u0131 sitesi[ja]<\/a>nde i\u015f\u00e7i ve i\u015fveren aras\u0131nda yap\u0131lacak anla\u015fma i\u00e7in \u00f6rnek bir format bulunmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Calisanlara_Aciklama_Yapilmasi_ve_Bireysel_Onaylarin_Alinmasi\"><\/span>\u00c7al\u0131\u015fanlara A\u00e7\u0131klama Yap\u0131lmas\u0131 ve Bireysel Onaylar\u0131n Al\u0131nmas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0130\u015fveren, yukar\u0131da bahsedilen konular hakk\u0131nda \u00e7al\u0131\u015fanlar\u0131na a\u00e7\u0131klama yapmakla y\u00fck\u00fcml\u00fcd\u00fcr. Bu a\u00e7\u0131klama, belirlenen fon transfer hizmet sa\u011flay\u0131c\u0131s\u0131na devredilebilir.<\/p>\n\n\n\n<p>\u00c7al\u0131\u015fanlar\u0131n bireysel onaylar\u0131, yaz\u0131l\u0131 belge ile birlikte elektronik kay\u0131t yoluyla da al\u0131nabilir. Onay formunun \u00f6rnekleri <a href=\"https:\/\/www.mhlw.go.jp\/stf\/seisakunitsuite\/bunya\/koyou_roudou\/roudoukijun\/zigyonushi\/shienjigyou\/03_00028.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u00c7al\u0131\u015fma, Sosyal Hizmetler ve E\u015fitlik Bakanl\u0131\u011f\u0131 sitesi[ja]<\/a>nde yay\u0131nlanm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ozet_Dijital_Maaslarin_Gelecegi\"><\/span>\u00d6zet: Dijital Maa\u015flar\u0131n Gelece\u011fi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bug\u00fcne kadar a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z gibi, dijital maa\u015flar, \u00e7al\u0131\u015fanlara maa\u015f alma y\u00f6ntemleri konusunda yeni se\u00e7enekler sunan bir sistemdir ve ayn\u0131 zamanda \u015firketlerin refah ve \u00e7al\u0131\u015fan faydalar\u0131n\u0131 art\u0131rma y\u00f6ntemi olarak da i\u015flev g\u00f6rmektedir.<\/p>\n\n\n\n<p>Dijital \u00f6deme y\u00f6ntemiyle maa\u015f \u00f6demeleri hen\u00fcz yeni ba\u015flam\u0131\u015f olsa da, nakitsiz \u00f6demelere olan talep gelecekte daha da artacak. 2024 y\u0131l\u0131 Eyl\u00fcl (Reiwa 6) itibar\u0131yla, Japon \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 taraf\u0131ndan yetkilendirilmi\u015f tek fon transfer i\u015fletmesi PayPay Corporation&#8217;d\u0131r, ancak \u015fu anda \u00fc\u00e7 fon transfer i\u015fletmesi daha yetkilendirme ba\u015fvurusunda bulunmu\u015f ve inceleme a\u015famas\u0131ndad\u0131r.<\/p>\n\n\n\n<p>Bu i\u015fletmeler, Japon \u00c7al\u0131\u015fma ve Sosyal G\u00fcvenlik Bakanl\u0131\u011f\u0131 taraf\u0131ndan yetkilendirildi\u011fi takdirde, PayPay d\u0131\u015f\u0131ndaki dijital para birimleriyle dijital maa\u015f \u00f6demeleri m\u00fcmk\u00fcn hale gelecektir. Bu nedenle, gelecekte di\u011fer \u015firketler taraf\u0131ndan yap\u0131lan dijital maa\u015f \u00f6demelerinin artaca\u011f\u0131 \u00f6ng\u00f6r\u00fclmektedir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hukuk_Buromuz_Tarafindan_Sunulan_Cozumler\"><\/span>Hukuk B\u00fcromuz Taraf\u0131ndan Sunulan \u00c7\u00f6z\u00fcmler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Monolit Hukuk B\u00fcrosu, \u00f6zellikle internet ve hukuk olmak \u00fczere IT alan\u0131nda y\u00fcksek uzmanl\u0131\u011fa sahip bir hukuk firmas\u0131d\u0131r. Firmam\u0131z, Tokyo Borsas\u0131&#8217;nda listelenen \u015firketlerden giri\u015fim \u015firketlerine kadar, IT ve giri\u015fim \u015firketlerine \u00f6zg\u00fc karma\u015f\u0131k y\u00f6netim sorunlar\u0131na hukuki destek sa\u011flamaktad\u0131r. A\u015fa\u011f\u0131daki makalede detaylar\u0131 bulabilirsiniz.<\/p>\n\n\n\n<p>Monolit Hukuk B\u00fcrosu&#8217;nun Uzmanl\u0131k Alanlar\u0131: <a href=\"https:\/\/monolith.law\/practices\/corporate\" target=\"_blank\" rel=\"noreferrer noopener\">IT ve Giri\u015fim \u015eirketlerinin Kurumsal Hukuk \u0130\u015fleri[ja]<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u00fck\u00fcmetin Reiwa 7 (2025) y\u0131l\u0131na kadar nakitsiz \u00f6deme oran\u0131n\u0131 %40 olarak belirleme hedefi do\u011frultusunda, Reiwa 5 (2023) y\u0131l\u0131nda nakitsiz \u00f6deme oran\u0131 %39,3 (126,7 trilyon yen) ile tarihin en y\u00fcksek sevi [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":73681,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[24,28],"acf":[],"_links":{"self":[{"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/posts\/72467"}],"collection":[{"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/comments?post=72467"}],"version-history":[{"count":2,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/posts\/72467\/revisions"}],"predecessor-version":[{"id":73682,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/posts\/72467\/revisions\/73682"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/media\/73681"}],"wp:attachment":[{"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/media?parent=72467"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/categories?post=72467"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/monolith.law\/tr\/wp-json\/wp\/v2\/tags?post=72467"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}