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<url><loc>https://gezginebilgi.com/2026/09/04/fintech-101-bir-kredi-karti-isleminin-10-adimli-yasam-dongusu-otorizasyon-takas-ve-mahsuplasma-sureci/</loc><news:news><news:publication><news:name>Gezgin&amp;Bilgi&amp;Kültür</news:name><news:language>tr</news:language></news:publication><news:publication_date>2026-09-04T08:44:13+00:00</news:publication_date><news:title>FinTech 101: Bir Kredi Kartı İşleminin 10 Adımlı Yaşam Döngüsü :Otorizasyon, Takas ve Mahsuplaşma Süreci</news:title><news:keywords>kredi kart, bkm, pos, otorizasyon, ödeme sistemi, TAKAS, authorization, Acquier, Issuer, EMV, DijitalDönüşüm, bankacılık, provizyon, mahsuplaşma, takas ve hesaplaşma, Fintech, ÖdemeSistemleri, PaymentSystems, TakasVeMahsuplaşma, ClearingAndSettlement, OnUs, OfflineAuthorization, FinansTeknolojileri, GeleceğinFinansı, not onus, batch dosya</news:keywords></news:news><image:image><image:loc>https://gezginebilgi.com/wp-content/uploads/2026/06/gezginampbilgiampkultur-6a39446fd465e.png?w=84</image:loc></image:image></url></urlset>