What is on the radar of the fintech industry in 2025 and what will happen? I would like to ask you to evaluate both your sector and your company. 

First of all, I would like to start by stating that we are in a very rapid transformation process. The fintech sector continues to advance at full speed, especially in the fields of payment systems, regulatory technologies (regtech), embedded/green finance and open banking, increasing its momentum with the power of artificial intelligence. This transformation is not only technological, but also cultural and strategic. Fintech solutions are no longer just about operational simplicity, but are becoming an essential component of a culture of financial inclusion, security, sustainability and data-driven decision-making. 

Artificial intelligence and hyper-automation will be the most important agenda setters for our sector in 2025. The focus of fintechs is now on smart automation and decision support systems as well as digitization. Whether collaborating or competing with financial institutions, fintechs are integrating generative AI into everything from loan allocation and customer service to fraud detection and investment advice. This transformation not only provides competitive advantage, but also reduces operational costs and improves service quality. 

The evolution of regulations is another critical agenda for 2025. Both new frameworks such as DORA and PSD3 in Europe and developments in open banking and security in Türkiye are pushing technology providers to develop highly compliant, modular and secure solutions. This is where regtech solutions come to the fore and the role of fintechs not only as innovators but also as audit and compliance providers is increasing. 

As Architecht, I can say that we are positioned at the center of this transformation. For 10 years, we have been providing powerful technological infrastructures suitable for the nature of the financial sector, and we have been a strategic solution partner in the digitalization journey of banks. Our BOA Digital Banking Platform enables banks to be established digitally from scratch, while our Airapi, Open Banking and API Management Platform ensure that the sector is ready for the future of open finance. Our advanced security solutions, such as PowerFactor, offer international standard protection in mobile app security and multi-factor authentication. 

By 2025, especially with our low-code platforms such as AppWys, we aim to enable financial institutions to digitalize in compliance with regulations and shorten their time to go to market. Our international partnerships, such as KT Bank AG in Germany, which has already taken important steps in its digital transformation process using AppWys, are an important indicator of our global competitiveness. 

In the coming period, our focus will be on generative AI-powered forecasting systems, AI and cloud-based agile banking solutions, and sustainable finance technologies. We are making very important investments in these areas. We want to create sustainable added value in the finance sector with products and services that will shape not only the present but also the future. 

To summarize, we define 2025 as the beginning of a new era in the fintech sector where technology is readdressed with artificial intelligence with a human-centered approach. As Architecht, we are excited to be one of the architects of this great transformation in our 10th year.