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Journals / Sayıştay Dergisi / 2026 / Cilt: 36 Sayı: 137

ARTIFICIAL INTELLIGENCE PERSPECTIVE IN FINANCIAL INSTITUTIONS FIGHT AGAINST MONEY LAUNDERING

FİNANSAL KURUMLARIN KARA PARA AKLAMA İLE MÜCADELESİNDE YAPAY ZEKÂ PERSPEKTİFİ

Hüseyin Akkaya(TOKAT GAZİOSMANPAŞA ÜNİVERSİTESİ, ARTOVA MESLEK YÜKSEKOKULU, FİNANS BANKACILIK VE SİGORTACILIK BÖLÜMÜ)0000-0002-9886-6552
Pages
321–349
Publication Date
2025-07-17
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AI Summary & Key Takeaways

AI Insight
⚡ TL;DR(Too Long; Didn't Read)

The conclusions of the study show that compared to traditional methods, AI-based systems significantly reduce false positives, increase cost efficiency and contribute to regulatory compliance processes.

📌 3 Key Takeaways

🎯
Objective & Hypothesis:Money laundering is a phenomenon that creates serious insecurity both in the global financial system and in the social order as a result of the legitimisation of the proceeds of crime through complex methods.
📊
Key Findings & Data:An important part of this research is the investigation of real case studies that demonstrate the effectiveness of AI in combating money laundering.
💡
Conclusion & Impact:The conclusions of the study show that compared to traditional methods, AI-based systems significantly reduce false positives, increase cost efficiency and contribute to regulatory compliance processes.
🔬Design:Araştırma Makalesi
📍Scope:Comprehensive Sample
⚙️Variables:Kara Para Aklamayla Mücadele · Yapay Zekâ · Yapay Zekâ Teknikleri ve Vaka Örnekleri

Abstract

Money laundering is a phenomenon that creates serious insecurity both in the global financial system and in the social order as a result of the legitimisation of the proceeds of crime through complex methods. It has become inevitable to utilise today's technological paradigms in the fight against this field. Artificial intelligence is becoming increasingly important in the fight against money laundering, which is the most important and committed crime of financial crimes. This study examines artificial intelligence-based approaches in combating money laundering activities and reveals the increasing importance and applicability of artificial intelligence techniques. An important part of this research is the investigation of real case studies that demonstrate the effectiveness of AI in combating money laundering. It also reveals that AI is a transformational tool for financial institutions and has significant potential for further development of anti-money laundering processes in the future. The conclusions of the study show that compared to traditional methods, AI-based systems significantly reduce false positives, increase cost efficiency and contribute to regulatory compliance processes.

Özet

Kara para aklama, suçtan kaynaklı gelirlerin karmaşık yöntemlerle meşru gösterilmesi sonucu ortaya çıkan hem küresel finans sisteminde hem de toplumsal düzende ciddi güvensizlik yaratan bir olgudur. Bu alanın mücadelesinde günümüz teknolojik paradigmalarından yararlanmak kaçınılmaz bir hal almıştır. Mali suçların en önemli ve işlenen suçu olan kara para aklama ile mücadelede de yapay zekânın önemi giderek artmaktadır. Bu çalışma, kara para aklama faaliyetleriyle mücadelede yapay zekâ tabanlı yaklaşımları inceleyerek yapay zekâ tekniklerinin artan önemi ve uygulanabilirliğini ortaya koymaktadır. Bu araştırmanın önemli bir parçası, kara para aklama ile mücadelede yapay zekânın etkinliğini gösteren gerçek vaka çalışmalarının araştırılmasıdır. Ayrıca, finansal kuruluşlar için yapay zekânın bir dönüşüm aracı olduğunu ve gelecekte kara para aklama ile mücadele süreçlerinin daha da geliştirilmesi için önemli bir potansiyel taşıdığını ortaya koymaktadır. Çalışma sonucunda elde edilen çıkarımlar ise geleneksel yöntemlerle kıyaslandığında yapay zekâ tabanlı sistemlerin yanlış pozitifleri ciddi oranda azaltarak maliyet verimliliğini artırdığını ve düzenleyici uyum süreçlerine katkı sağladığını göstermektedir.

🔖

Cite This Article

Akkaya, H. (2025). ARTIFICIAL INTELLIGENCE PERSPECTIVE IN FINANCIAL INSTITUTIONS FIGHT AGAINST MONEY LAUNDERING. Sayıştay Dergisi, Cilt: 36 Sayı: 137, 321–349. https://doi.org/10.52836/sayistay.1629117

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