Internet banking for education sector employees in the case of utiliz analysis Çorum province

In the context of an intensifying competitive environment since the 2008 global crisis, the banking sector showed an increasing tendency towards digitalization in order to respond to their customers' needs and succeeded in adapting digitalization and business intelligence innovations to itself by transforming technologies already in use. By prioritizing customer satisfaction and security while innovating, the banking sector became the biggest competitor of big tech companies. The foundation laid with FinTech 1.0 and the transatlantic cable's installation has reached a new dimension with FinTech 2.0 that facilitated the beginning of online banking, besides digital payment methods, barter systems and ATMs. Encompassing the period between 2008 till today, FinTech 3.0 is widely accepted as a turning point. As part of a fast-growing entrepreneurship field competing with traditional banking, FinTech firms offer in general credit, savings and capital growth services, payment (including digital currencies), barter and conciliation services, investment management services and insurance processing support. Being a result of the development in FinTech, mobile banking, although fulfilling customer satisfaction partially, has seen its place taken by digital banking due to delayed communication and slow processing speeds. Digital banking being served through mobile data and web networks, the costs for banks have dropped but new security issues have emerged. Developed with the rise of "Industry 4.0", artificial intelligence and identity validation systems offer the most effective solution in solving these security issues. With the help of these technologies, it has been possible to minimize cases of online fraud and increase the number of employee audits. Error rates have also been diminished, which contributed to minimizing costs for the banks. As one of the key concepts of Industry 4.0, "big data" is being created in the banking sector nearly every day. However, with the changes caused by the revolution of Industry 4.0, big data has begun to be saved and usefully processed in near real-time. The "Internet of Things" that allowed these innovations to happen is also seen as a result of Industry 4.0 and an important event that has increased customer satisfaction. Within the finance and banking sectors, business models supported by the Internet of things are being called the "Fin-ternet of Things". As another result of sharp transformations happening in the tech field, cryptocurrencies create further competition with the traditional banking system. "Bitcoin", currently the most popular cryptocurrency, was invented in parallel with blockchain technology. With the capacity of comprising digital or physical assets, this system runs from a single center, to the contrary of traditional banking. Open banking is about sharing customer information with a third party. Thanks to this technology, the banks are able to make good decisions by offering their customers suitable offers and innovative products.