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 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 […]
Introduction Digital wallets have become one of the most important products in the fintech market. Consumers use mobile applications to store payment instruments, hold balances, pay merchants, transfer funds, receive refunds, manage loyalty benefits, access prepaid products, and sometimes connect bank accounts or cards through a single interface. For businesses, digital wallets create opportunities in […]
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 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 Licensing can be one of the fastest ways for a startup to scale in Turkey. A young company may have a strong brand, software platform, AI tool, patented technology, industrial design, know-how, product formula, content library or franchise-style business model, but it may not yet have the capital, personnel or infrastructure to expand alone. […]