Introduction Fintech companies in Turkey operate in a highly regulated environment where business growth, investor exit, insolvency risk, and customer protection are legally connected. A fintech platform may appear to be a technology company from the outside, but under Turkish law its activities may involve payment services, electronic money issuance, crypto asset services, data processing, […]
Introduction Digital identity verification has become one of the most important legal and technological issues in Turkish fintech. Banks, payment institutions, electronic money institutions, digital lending platforms, crypto asset service providers, investment apps, InsurTech platforms, open banking providers, and Banking-as-a-Service interfaces all need reliable methods to identify customers remotely. A customer may open an account, […]
Introduction Investment apps are rapidly changing how retail and professional investors access capital markets in Turkey. Through mobile applications, users can view market prices, open investment accounts, transmit orders, buy and sell shares, invest in funds, trade derivatives, follow portfolios, receive notifications, access research, compare products, use automated portfolio tools, and sometimes trade crypto assets […]
Introduction Financial data sharing is one of the most important legal and technological developments in the Turkish fintech ecosystem. Banks, payment institutions, electronic money institutions, digital wallets, investment platforms, insurance companies, credit providers, crypto asset service providers, and technology companies increasingly rely on data to offer faster, more personalized, and more integrated financial services. Customers […]
Introduction Cloud services are now essential for fintech companies in Turkey. Payment institutions, electronic money institutions, digital banks, Banking-as-a-Service providers, crypto asset service providers, open banking platforms, digital lending companies, RegTech vendors, InsurTech platforms, merchant acquiring businesses, and financial software providers rely on cloud infrastructure for scalability, security, analytics, data storage, disaster recovery, application hosting, […]
Introduction White-label fintech solutions are becoming increasingly common in Turkey’s digital finance market. A white-label model allows one company to offer a financial technology product under its own brand while the underlying technology, regulated infrastructure, payment rails, wallet system, banking service, card issuing service, crypto infrastructure, compliance tool, or software platform is provided by another […]
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 […]