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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