What is on the radar for the fintech sector in 2025, and what will happen? Please evaluate this in terms of both your sector and your company.

First, I would like to start by noting that we are in the midst of a very rapid transformation process. The fintech sector is continuing to advance at full speed, particularly in the areas of payment systems, regulatory technologies (regtech), embedded/green finance, and open banking, with the added power of artificial intelligence. This transformation is not only technological but also brings about cultural and strategic change. Fintech solutions no longer merely offer operational convenience; they have become an indispensable component of financial inclusion, security, sustainability, and data-driven decision-making culture.

Artificial intelligence and hyper-automation will remain the most important agenda setters for our sector in 2025. Fintechs are now focusing on smart automation and decision support systems alongside digitalization. Fintechs that collaborate with or compete against financial institutions are integrating productive artificial intelligence into many processes, from credit allocation to customer service, fraud detection to investment advice. This transformation not only provides a competitive advantage, but also reduces operational costs and improves service quality.

The evolution of regulations is another critical agenda item for 2025. New frameworks such as DORA and PSD3 in Europe, as well as developments in open banking and security in Turkey, are pushing technology providers to develop modular and secure solutions with high compliance capabilities. At this point, regtech solutions come to the fore, and fintechs are increasingly playing the role of not only innovators but also regulators and compliance providers.

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

By 2025, we aim to enable financial institutions to digitize in compliance with regulations and shorten their time to market, particularly with our low-code platforms such as AppWys. Our international partnerships, such as KT Bank AG in Germany, which is taking significant steps in its digital transformation process using AppWys, are an important indicator of our global competitive strength.

Our focus for the coming period is on AI-powered predictive systems, AI and cloud-based agile banking solutions, and sustainable financial technologies. We are making significant investments in these areas. We want to create sustainable added value in the financial sector with products and services that will shape not only today but also the future.

In summary, we define 2025 as the beginning of a new era in the fintech sector, where technology is reimagined with a human-centric approach and artificial intelligence. As Architecht, we are excited to be one of the architects of this major transformation in our 10th year.