Introduction Data protection in fintech is one of the most important legal issues for financial technology companies operating in Turkey. Fintech businesses collect, process, store, analyze, transfer, and secure large volumes of personal data. This data may include identity documents, contact information, payment records, transaction history, wallet addresses, bank account details, credit risk information, device […]
Introduction Open banking is one of the most important legal and technological developments in the Turkish fintech market. It allows authorized third-party providers to access payment account information or initiate payment transactions through secure digital channels, usually based on customer consent and regulated technical infrastructure. In practice, open banking can help consumers compare financial products, […]
Introduction Fintech licensing in Turkey is one of the most important legal issues for startups, investors, founders, software companies, payment platforms, crypto asset businesses, digital wallet providers, embedded finance projects, and foreign fintech companies entering the Turkish market. A fintech startup may look like a technology company at first glance, but if its business model […]
Introduction AML and KYC compliance has become one of the most critical legal issues for fintech companies operating in Turkey. As payment institutions, electronic money institutions, digital wallets, crypto asset platforms, open banking providers, embedded finance businesses, online lending platforms, marketplace payment systems, and cross-border remittance services continue to grow, regulators expect fintech companies to […]
Introduction Crypto asset regulation in Turkey has entered a new and much stricter phase. For many years, crypto exchanges and wallet-related businesses operated in a developing legal environment where anti-money laundering duties and payment restrictions existed, but there was no detailed capital markets framework specifically designed for crypto asset service providers. This changed significantly with […]
Introduction Banking as a Service, commonly known as BaaS, is one of the most important legal and commercial developments in modern financial technology. It allows a licensed bank to provide banking services through the digital interface of another company. This structure enables fintech platforms, e-commerce businesses, digital marketplaces, mobility companies, loyalty programs, accounting software providers, […]
Introduction Digital banking law in Turkey has become one of the most important legal areas within the fintech and banking sectors. As customers increasingly prefer mobile applications, online onboarding, instant financial services, embedded finance solutions, and branchless banking models, Turkish banking regulation has adapted to allow banks to operate without traditional physical branches. This transformation […]
Introduction Electronic money institutions have become one of the most important pillars of the fintech ecosystem in Turkey. As digital wallets, prepaid balances, app-based payment accounts, stored-value products, merchant payment solutions, loyalty-based payment systems, online marketplaces, and embedded finance models continue to expand, businesses must understand whether their activities fall within the legal definition of […]
Introduction Payment services law in Turkey has become one of the most important areas of financial technology regulation. As digital wallets, online payment gateways, electronic money institutions, mobile applications, marketplace payment solutions, open banking tools, and cross-border money transfer models continue to grow, companies operating in the payment ecosystem must understand the legal framework before […]
Introduction Fintech law has become one of the most important areas of modern financial regulation. As technology changes the way people pay, borrow, invest, transfer money, trade digital assets, verify identity, and access banking services, financial technology companies must operate within a complex legal framework. Fintech is not only a technology business; it is also […]