Türkiye · Horizon published 11 Oct 2026 · Source published 26 March 2026 · Reviewed 11 Oct 2026
Türkiye expands open-banking service features
The Central Bank of the Republic of Türkiye announced enhanced open-banking payment-data-sharing functions in March 2026, including expanded account/card-information services and scheduled payment-order functions. It provides a useful commercial reference point.
Verified facts
- The Central Bank announced enhanced services for payment data-sharing, including expanded account and card-information features and scheduled/recurring payment-order functions.
- The Central Bank’s payment-system and payment-services information identifies FAST and the statutory and institutional framework for regulated payment services; public architecture information does not determine a specific business model’s authorisation, integration or commercial terms.
- World Bank Global Findex material provides demand-side financial-inclusion context for Türkiye, but country-level survey evidence cannot identify a buyer, prove product-market fit, validate a customer-consent path or establish a commercial route.
- IMF Article IV material provides macro-financial context on the financial sector and digital-lira work, not evidence of a bank partnership, open-banking access, cross-border settlement or successful transaction.
Horizon view
The relevant intelligence unit is one named workflow; account information, payment initiation, recurring billing, merchant collection, treasury, wallet, e-money or embedded-finance service; with a defined legal activity, regulated party, data/consent boundary, technical interface, settlement path and commercial owner. The announcement is not a general “open banking is open” conclusion.
Commercial implication and next step
Before positioning, outreach or integration, create a workflow record covering the actual service role, customer type, data source, consent and interface, authorised participant, payer/payee and merchant path, domestic/cross-border settlement, fees/reserves, consumer/KYC/AML duties, hosting/security, incident ownership, local delivery, economics and a written proof-acceptance test. Obtain current confirmation from the applicable authorised participants and qualified Turkish advisers.
What to verify before acting
The cited materials do not establish a licence or exemption, API access, sponsor relationship, bank partnership, customer-data right, merchant contract, actual commercial fee, permitted cross-border flow, payment completion, customer demand, contract or transaction. This item is not Türkiye legal, banking, payments, tax, AML/CFT, data-protection, cybersecurity, sanctions or investment advice.
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