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 SupTech, short for Supervisory Technology, refers to the use of technology by supervisory authorities and regulated financial institutions to improve financial supervision, regulatory reporting, auditability, risk monitoring, data analysis, and compliance oversight. While RegTech generally describes technology used by companies to comply with regulation, SupTech focuses more on the supervisory side: how regulators collect, […]
Introduction Fintech disputes in Turkey are increasing as consumers and businesses rely more heavily on digital wallets, payment institutions, electronic money platforms, online banking applications, open banking tools, crypto asset platforms, embedded finance products, virtual cards, QR payments, and digital lending services. Financial technology provides speed and convenience, but it also creates new legal conflicts […]
Introduction The taxation of fintech and crypto transactions in Turkey is one of the most complex and rapidly developing legal topics in the financial technology sector. Fintech businesses operate at the intersection of software, payments, financial services, data, digital platforms, electronic money, open banking, crypto assets, digital wallets, and cross-border transactions. Each of these elements […]
Introduction Crowdfunding platforms in Turkey have become an increasingly important alternative financing channel for startups, entrepreneurs, technology ventures, innovation-driven companies, and investors seeking access to early-stage investment opportunities. Crowdfunding allows a venture or project to raise funds from a large number of investors through an authorized online platform. Instead of relying only on bank loans, […]
Introduction Buy Now Pay Later, commonly known as BNPL, is one of the fastest-growing financial technology models in digital commerce. It allows consumers to purchase goods or services immediately and pay the price later, either in installments or through a deferred payment plan. BNPL services are attractive because they offer convenience, quick approval, digital onboarding, […]
Introduction Artificial intelligence is rapidly changing the fintech industry. Financial technology companies use AI systems to evaluate creditworthiness, detect fraud, monitor suspicious transactions, automate customer onboarding, score merchant risk, personalize financial products, identify abnormal payment behavior, review crypto transactions, and make faster operational decisions. These tools can improve efficiency, reduce fraud, expand access to financial […]
Introduction Fintech contracts are the legal foundation of every financial technology business. A fintech company may have a strong mobile application, a fast payment flow, a well-designed digital wallet, a reliable API, or an innovative platform model. However, if the underlying contracts are weak, unclear, or inconsistent with the technical structure, the company may face […]
Introduction Crypto custody services have become one of the most important legal issues in Turkey’s digital asset market. As crypto asset trading platforms, wallet providers, investors, institutional clients, family offices, fintech companies, and foreign exchanges enter the Turkish market, the question of who safely holds crypto assets and private keys has become legally critical. In […]