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This chapter examines the landscape of fintechs across three countries, focusing on fintech solutions among businesses and is based on two individual Fintech Survey studies: (1) Türkiye and (2) Romania and Bulgaria, encompassing data from 99 fintech companies. By gathering data from Türkiye, Romania, and Bulgaria, the survey aims to uncover patterns, trends, and regional differences in fintech engagement. We investigate the prevalence of digital payment systems, the adoption of blockchain technology, and the influence of regulatory frameworks. Payments, digital payments, and digital lending are important primary services for the companies surveyed. Most fintech companies expect moderate, significant, or large growth in their workforce next year. The findings offer insights into how fintech innovations are reshaping the financial ecosystems in these countries, their financing sources, and highlight opportunities and challenges faced by stakeholders in the three countries. The results provide a comprehensive understanding of the fintech sector’s growth areas, informing policymakers, industry leaders, and investors about future directions, transparency enhancement, the potential of financial technology, and opportunities for partnership areas.

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Regional Fintech Report for Türkiye, Romania, and Bulgaria

  • 章节

  • 发表日期：

    2025年

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  • Belma Ozturkkal,
  • Ceylan Onay Sahin,
  • Canan Yıldırım,
  • Vasile Alecsandru Strat,
  • Deyan Radev,
  • Georgi Penev,
  • Daniel Traian Pele,
  • Cătălina Chinie,
  • Florin Grosu,
  • Flavius Cosmin Darie,
  • Codruța Mare,
  • Virgil Damian,
  • Ioana Coita

摘要

This chapter examines the landscape of fintechs across three countries, focusing on fintech solutions among businesses and is based on two individual Fintech Survey studies: (1) Türkiye and (2) Romania and Bulgaria, encompassing data from 99 fintech companies. By gathering data from Türkiye, Romania, and Bulgaria, the survey aims to uncover patterns, trends, and regional differences in fintech engagement. We investigate the prevalence of digital payment systems, the adoption of blockchain technology, and the influence of regulatory frameworks. Payments, digital payments, and digital lending are important primary services for the companies surveyed. Most fintech companies expect moderate, significant, or large growth in their workforce next year. The findings offer insights into how fintech innovations are reshaping the financial ecosystems in these countries, their financing sources, and highlight opportunities and challenges faced by stakeholders in the three countries. The results provide a comprehensive understanding of the fintech sector’s growth areas, informing policymakers, industry leaders, and investors about future directions, transparency enhancement, the potential of financial technology, and opportunities for partnership areas.