What is FinTech? Top Turkish FinTechs (2025/2026)

Overview of FinTech, verticals, and leading Turkish FinTech themes. Hub & spoke structure pointing to long-tail topics (BNPL, digital lending, open banking, regtech/insurtech) with strong internal links.

Last updated

• Published: 2025-02-10
• Updated: 2025-12-15

Definition and verticals

• Payments: POS, wallets, collection rails, virtual POS.
• Open banking / APIs: Account info, payment initiation, data sharing (privacy alignment).
• Digital lending / BNPL: Scoring, risk controls, delinquency/fraud management.
• Investment / robo-advisory: Micro-investments, thematic portfolios.
• Insurtech: On-demand, usage-based insurance.
• Regtech: KYC/AML, e-ID, watchlist, compliance automation.
• Crypto / Web3: Exchange, custody, tokenization, on-chain compliance.

Turkish FinTech themes

• Growth of licensed payment and e-money players.
• Open banking APIs and data-sharing models.
• BNPL/digital lending in e-commerce.
• Automated KYC/AML (e-ID, face match, watchlists).
• Security: PCI-DSS, 3DS, WAF/DDoS, DR/BCP.
• Mobile-first UX and Core Web Vitals focus.

Compliance & technical essentials

• ISMS (ISO 27001), access matrix, logging.
• PCI-DSS/3DS for card rails; tokenization/segmentation.
• KYC/AML: identity verification, STR flows, retention.
• BCP/DRP: redundancy, RPO/RTO, tested drills.
• Privacy: consent, data retention/erasure.

Hub-spoke and links

• Hub: this article.
• Spokes:
  • Payment institution license
  • Electronic money institution setup
  • BNPL/digital lending, KYC/AML, PCI-DSS/3DS (future long-tail posts)
• Related services: /en/fintech, /en/blockchain, /en/seo-services, /en/e-commerce.

FAQ

Is there a single FinTech license?

No; licensing depends on activity (payment, e-money, factoring, etc.).

Key controls for BNPL?

Scoring/limits, fraud checks, delinquency workflows, and privacy-compliant data handling.

What’s needed for open banking?

Payment/e-money licensing, bank integrations or aggregator APIs, and data-sharing agreements.

Is regtech/insurtech part of FinTech?

Yes, they are sub-verticals addressing compliance and insurance tech.

Why PCI-DSS/3DS?

To protect card data and mitigate fraud; required by schemes/regulators.

Conclusion

FinTech in Turkey is scaling across payments, data, credit, and insurance. Robust architecture, compliance, and security plus a hub-spoke content strategy improve visibility and trust.

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