Daily Sabah (Turkey) - - Lifestyle - Timur Sırt Twit­ter @tlenks

If the reg­u­la­tion bar­ri­ers in front of on­line health ser­vices are lifted, it will en­able doc­tors from Turkey to pro­vide global ser­vices, in­stead of those from abroad. The Elec­tronic Check (e-check) ven­ture at Boğaz­içi Univer­sity Technopark will in­crease con­fi­dence in the trade with the do­mes­tic pay­ment sys­tem

IF THE financing and reg­u­la­tory prob­lems in front of tech­nol­ogy ven­tures are re­solved, the num­ber of do­mes­tic health and pay­ment so­lu­tions will in­crease. If tech­nol­ogy ven­tures pro­duce so­lu­tions for the bu­reau­cracy, it will pave the way for do­mes­tic so­lu­tions in Turkey.

If the reg­u­la­tions on on­line health ser­vices are pub­lished, do­mes­tic ven­tures and doc­tors will pro­vide ser­vices, rather than in­sti­tu­tions and ven­tures that of­fer tax-free ser­vices from abroad.

These so­lu­tions, which pro­vide pre­lim­i­nary sup­port for di­ag­no­sis, con­trib­ute to the de­tec­tion of epi­demic dis­eases by ob­tain­ing sta­tis­ti­cal data and take over the bur­den of hos­pi­tals. The doc­tor and the pa­tient’s dec­la­ra­tion be­come reg­is­tered. The health care in­dus­try, which is nor­mally dis­turbed by Google searches, can elim­i­nate the cir­cu­la­tion of un­re­al­is­tic so­lu­tions with a more se­ri­ous doc­tor­con­trolled trans­for­ma­tion.

Re­li­able con­tent can be gen­er­ated in dig­i­tal me­dia aban­doned to phar­ma­ceu­ti­cal com­pa­nies if the reg­u­la­tion on on­line video health so­lu­tions is re­solved. The health sec­tor, one of the big­gest bud­get items of world states, that af­fects the qual­ity of life of mil­lions of peo­ple, is rapidly dig­i­tal­iz­ing.

On­line health ser­vices and ap­pli­ca­tions, rapidly in­creas­ing in num­ber and vol­ume, pro­vide ben­e­fits to the states and the sec­tor, as well as pa­tients, in terms of sav­ing time, cost and la­bor. Now, in many coun­tries, mil­lions of peo­ple pre­fer to take health con­sult­ing ser­vices from e-health so­lu­tions in­stead of spend­ing time wait­ing in hos­pi­tals. VIDEO SO­LU­TIONS

It will con­trib­ute to find­ing a le­gal and healthy so­lu­tion for peo­ple who are afraid to go to the doc­tor. On­line health so­lu­tions are one of the fastest grow­ing seg­ments in the health sec­tor. For this rea­son, many coun­tries and or­ga­ni­za­tions are in­vest­ing in on­line health ser­vices. Since 2010, on­line health ser­vices, in­clud­ing on­line pre­scrip­tions, have been fully legally im­ple­mented in 84 de­vel­oped and de­vel­op­ing coun­tries. The United States and Eu­ro­pean Union coun­tries are lead­ing the way in e-health ap­pli­ca­tions. Ac­cord­ing to the Amer­i­can Wealth Tele­health sur­vey, seven out of 10 peo­ple in the United States ben­e­fit from on­line health care, and the most com­mon item stand­ing out is pre­scrip­tion ser­vices.

Ac­cord­ing to a sur­vey con­ducted by IP­SOS, a global mar­ket re­search and a con­sult­ing firm head­quar­tered in Paris, among 28 coun­tries, Turkey is among the three most en­thu­si­as­tic coun­tries in the world with re­gards to on­line health ap­pli­ca­tions. In ad­di­tion to the on­line health care ap­pli­ca­tions that will soon be­come an ordinary part of our lives, many re­cent dig­i­tal-as­sisted de­vices, such as smart wrist­bands, also make it eas­ier for health pro­fes­sion­als and pa­tients.

Ac­cord­ing to the re­sults of the sur­vey, the most en­thu­si­as­tic coun­tries on on­line health ser­vices are Ser­bia and China, fol­lowed by Turkey. The IP­SOS sur­vey is a sign that in our coun­try where the use of smart­phones and so­cial me­dia is very high and be­com­ing more wide­spread, our so­ci­ety will adapt to on­line health ser­vices very quickly.


Mean­while, due to the un­lim­ited ne­go­ti­a­tion of checks in Turkey and the prob­lem of cash flow be­cause of the ma­tu­rity prob­lem, the sit­u­a­tion of com­pa­nies can be seen more clearly through so­lu­tions such as e-check.

If mea­sur­able risks ap­pear more clearly in trade, con­fi­dence may in­crease, even con­tribut­ing to eco­nomic re­vival in the short term. In spite of the miss­ing data, the use of checks col­lected in Turkey reached TL 785 bil­lion ($14.23 bil­lion) in 2017, ex­ceed­ing one quar­ter of the Gross Do­mes­tic Prod­uct (GDP).

In pe­ri­ods of liq­uid­ity squeeze in the econ­omy, it is ob­served that this ra­tio is above the one third of GDP and it is as im­por­tant as bank loans. It is es­ti­mated that the num­ber of checks col­lected is around 20 mil­lion. In 2017, the liq­uid­ity and re­cov­ery brought by the credit guar­an­tee fund (CGF)-based loans into the mar­ket pro­vided a par­tial im­prove­ment. How­ever, the col­lec­tion rate of the checks not paid on time in­di­cates that the mea­sures should con­tinue in elec­tronic en­vi­ron­ment.


Doc­tor Turkey, which Türk Telekom has in­vested in, aims to be a suc­cess­ful doc­tor-pa­tient meet­ing plat­form both in Turkey and in the re­gion. Turkey will win thanks to the on­line health prac­tices that Türk Telekom sup­ports and con­trib­utes to its de­vel­op­ment.

Ap­pli­ca­tions that en­able pa­tients to con­sult with doc­tors and other spe­cial­ists on chan­nels such as smart­phones and tablets via video, voice call and mes­sage with­out go­ing to the hos­pi­tals or ex­am­i­na­tions are known as on­line health ap­pli­ca­tions. Stud­ies show that the use of on­line health ser­vices, es­pe­cially video call with the doc­tor, are spread­ing rapidly through­out the world, and ev­ery day, a wide range of health ap­pli­ca­tions and dig­i­tal de­vices en­ter our lives. Sim­i­lar health prac­tices that have been serv­ing for a while in Turkey have given hope for the fu­ture.

The world has un­der­gone a se­ri­ous change over the past 10 to 15 years, and this change con­tin­ues to ac­cel­er­ate. Con­sumer tech­nol­ogy pi­o­neers this change, and ef­fec­tively elim­i­nates the prob­lems in peo­ple’s lives, pro­vid­ing them with much more op­por­tuni- ties to get what they want, when they want and how they want. There are also se­ri­ous changes in health care. Pa­tients want to spend less time in hos­pi­tals and ex­am­i­na­tions, not to be around other pa­tients, to reach the doc­tor when they need, and most im­por­tantly, to take the ini­tia­tive them­selves.


Tra­di­tional checks have a lot of prob­lems. Forged checks can­not be de­tected in the mar­ket un­til they are col­lected. To whom and how many times the check is ne­go­ti­ated is not known by a cen­tral sys­tem. Banks are giv­ing 5, 10, 50 or 100-page check books to their cus­tomers ac­cord­ing to their abil­ity to pay. How­ever, the amount per check sheet is not known un­til the check is col­lected. Since the checks are is­sued for the term, the to­tal num­ber of checks in the mar­ket is not de­ter­mined un­til the end of the year. Un­used check sheets are not re­turned. There­fore, an E2B fi­nan­cial tech­nolo­gies ven­ture, which fo­cuses on so­lu­tions that will make the risks mea­sur­able, works on na­tional pay­ment sys­tems and op­er­ates in Bogaz­içi Univer­sity (BU) Technopark, aims to com­pletely elim­i­nate stereo­types in elec­tronic en­vi­ron­ment, such as “checks do not have ma­tu­rity,” “checks can­not be ne­go­ti­ated” and “ma­tu­rity is not ap­plied to checks in the United States and Europe.”

The ven­ture’s founder Mürsel Sarıbıyık stressed that the in­vest­ment of an in­sti­tu­tion such as the Sov­er­eign Wealth Fund would be ef­fec­tive in or­der to re­al­ize this ven­ture as a do­mes­tic and na­tional project due to its eco­nomic size. “We want to bring a do­mes­tic and na­tional pay­ment tool to the world econ­omy for the first time. It will be pos­si­ble to com­pletely elim­i­nate forged checks and man­age the risk of bounced checks. We may be ca­pa­ble of strength­en­ing the value of the Turkish lira by mea­sur­ing the debt pay­ment habits of firms, com­bat­ing in­fla­tion with ac­cess to check data and record­ing of check amounts,” Sar­bıyık said.

“More­over, a do­mes­tic so­lu­tion is nec­es­sary in or­der to cre­ate a net­work of pay­ments in lo­cal cur­ren­cies in in­ter­na­tional trade, and to have the op­por­tu­nity to be­come a lead­ing econ­omy on a global and re­gional scale. We be­lieve that it would be right for the project to be im­ple­mented within the scope of the Sov­er­eign Wealth Fund in or­der to pro­vide new busi­ness area by in­tro­duc­ing in­sur­ance sys­tem into the check sys­tem, to pro­vide fi­nan­cial deep­en­ing by con­vert­ing trade re­ceiv­ables to fi­nan­cial prod­ucts - such as Sukuk is­suance, cross-bank­ing prod­ucts - and to strengthen the cen­tral man­age­ment per­cep­tion that leads the sec­tor.”

Doc­torTurkey aims to be a suc­cess­ful doc­tor-pa­tient meet­ing plat­form both in Turkey and in the re­gion.

Elec­tronic checks of­fers safer money trans­ac­tions.

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