Introduction Fintech partnerships with banks are one of the most important legal structures in Turkey’s digital finance market. Many fintech companies do not want to become fully licensed banks, but they still want to offer financial products through digital channels. Banks, on the other hand, want to reach new customer segments, modernize distribution, integrate with […]
Introduction Loyalty programs, cashback campaigns, reward wallets, store credits, points, promotional balances, gift credits, and in-app rewards are widely used in Turkey’s digital economy. Retailers, marketplaces, fintech companies, food delivery platforms, travel apps, gaming platforms, digital wallets, banks, e-commerce businesses, telecom operators, and subscription platforms use reward systems to attract users, increase transaction volume, improve […]
Introduction QR code payments have become an important part of Turkey’s digital payment ecosystem. Consumers can scan a QR code at a physical store, ATM, restaurant, marketplace, invoice screen, payment page, or mobile application and complete a payment without entering card details manually. Merchants can receive payments through QR-enabled POS devices, mobile applications, FAST-based transfers, […]
Introduction Merchant acquiring and payment facilitation are central to the Turkish fintech ecosystem. Every online marketplace, e-commerce platform, subscription business, mobile application, digital wallet, food delivery platform, travel platform, SaaS provider, gaming platform, and embedded finance business needs a reliable way to collect payments from customers and transfer funds to merchants. This is where merchant […]
Introduction Digital lending platforms are becoming an important part of the fintech ecosystem in Turkey. Consumers and businesses increasingly expect credit products to be fast, remote, mobile, data-driven, and integrated into digital platforms. Instead of visiting a bank branch or submitting long paper applications, users may apply for consumer loans, merchant financing, buy now pay […]
Introduction Insurance technology, commonly known as InsurTech, is transforming the insurance sector in Turkey. Digital platforms now help consumers compare policies, purchase insurance online, submit claims through mobile applications, upload accident documents, receive automated risk scores, use telematics-based motor insurance, access embedded insurance at checkout, and manage policy renewals without visiting a physical branch. For […]
Introduction Robo-advisory services are becoming an important part of the global wealth management and fintech industry. A robo-advisor generally uses algorithms, digital questionnaires, automated portfolio models, risk scoring, and data-driven tools to provide investment recommendations, asset allocation suggestions, portfolio monitoring, or automated portfolio management. In simple terms, robo-advisory allows investors to receive digital investment guidance […]
Introduction Decentralized finance, commonly known as DeFi, is one of the most innovative and legally challenging areas of the crypto asset ecosystem. DeFi platforms use blockchain-based smart contracts to provide financial services without traditional intermediaries such as banks, payment institutions, brokers, custodians, or centralized exchanges. Users may lend, borrow, trade, stake, provide liquidity, use stablecoins, […]
Introduction Stablecoins have become one of the most important legal topics in crypto asset regulation. Unlike highly volatile cryptocurrencies, stablecoins are designed to maintain a relatively stable value by referencing another asset, most commonly a fiat currency such as the US dollar or euro. In practice, stablecoins are widely used for crypto trading, value storage, […]
Introduction Tokenization of real-world assets, often called RWA tokenization, is one of the most discussed developments in fintech, blockchain, crypto assets, and capital markets. The basic idea is simple: a real-world asset such as real estate, receivables, commodities, company shares, debt instruments, fund units, carbon credits, intellectual property rights, or revenue streams is represented digitally […]