Introduction Cross-border fintech services in Turkey have become a major legal issue for foreign payment companies, electronic money institutions, digital wallet providers, crypto asset platforms, open banking providers, embedded finance businesses, online investment platforms, money transfer companies, and financial technology startups. Turkey has a large digital population, strong demand for mobile financial services, high card […]
Introduction Cybersecurity obligations for fintech companies in Turkey have become a central part of financial regulation. Fintech businesses are no longer judged only by the speed of their applications, the quality of their user experience, or the innovation of their payment, wallet, banking, or crypto products. They are also expected to prove that their systems […]
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 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 For many startups, the user interface is not a decorative detail. It is the product. A fintech dashboard, SaaS platform, marketplace interface, food delivery app, AI chatbot screen, healthtech patient portal, gaming interface or e-commerce checkout flow can determine whether users trust, understand and continue using the service. In competitive digital markets, a clean […]
Introduction For startups, intellectual property is often the core value of the company. A startup may not own large factories, real estate or physical assets, but it may own software, source code, trademarks, product designs, algorithms, mobile applications, artificial intelligence models, technical inventions, customer databases, confidential know-how, domain names and brand identity. These assets may […]
Introduction Technology transfer agreements are becoming increasingly important for growing startups in Turkey. A startup may develop software, artificial intelligence tools, medical devices, industrial systems, data analytics platforms, patented inventions, engineering know-how or manufacturing methods. At some point, the company may need to license that technology to customers, transfer it to a strategic partner, commercialize […]
Introduction Artificial intelligence is becoming one of the most valuable areas of innovation for startups, software companies, SaaS platforms, fintech businesses, healthtech projects, e-commerce tools, legaltech products, gaming companies, marketing technologies and industrial automation systems. In Turkey, AI-based products are increasingly built around machine learning models, algorithms, datasets, software code, user interfaces, automated decision tools, […]