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MARKETSDigitalpaymentsinTurkeyCHAPTER

01OverviewDigitalpaymentstransactionvalueinTurkeybetween2018and2028,bysegment(inbillionU.S.dollars)DigitalpaymenttransactionvalueinTurkey2018-2028,bysegmentDigitalCommerceMobilePOSPaymentsDigitalRemittances140120100806040200201820192020202120222023202420252026202720284Description:Thetransactionvalueisforecasttoexperiencesignificantgrowthinallsegmentsin2028.Aspartofthepositivetrend,theindicatorreachesthemaximumvalueforallthreedifferentsegmentsattheendofthecomparisonperiod.ParticularlynoteworthyisthesegmentDigitalCommerce,whichhasthehighestvalueof67.34billionU.S.dollars.ReadmoreNote(s):Turkey;2018to2028Source(s):DigitalMarketInsightsAveragetransactionvalueperuserofdigitalpaymentsinTurkeyfrom2018to2028(in1,000U.S.dollars)DigitalpaymentsaveragetransactionvalueinTurkey2018-20282.42.32.22.12.02.252.232.22.172.061.961.811.91.81.71.61.51.41.721.631.61.47201820192020202120222023202420252026202720285Description:Theindicator'AverageTransactionValueperUser'inthe'DigitalPayments'segmentofthefintechmarketinTurkeywasforecasttoincreasebetween2024and2028byintotal0.2thousandU.S.dollars(+9.71percent).Thisoverallincreasedoesnothappencontinuously,notablynotin2028.Theindicatorisestimatedtoamountto2.23thousandU.S.dollarsin2028.ReadmoreNote(s):Turkey;2018to2028Source(s):DigitalMarketInsightsMarketshareofcreditcards,wallets,cash,andotherpaymentmethodsine-commerceinTurkeyfrom2016to2023,withaforecastfor2027Mostpopulare-commercepaymentmethodsinTurkey2016-2023,with2027forecast201680%3%6%7%3%1%%201781%9%3%4%3%%201956%12%6%6%7%4%%202052%13%9%9%6%4%2%1%1%%202157%12%10%6%7%4%2%%202253%14%12%9%6%3%1%1%%202348%14%9%202743%13%7%Creditcard(incl."chargecard"since2021)BanktransferDebitcardE-wallet,Digital/mobilewalletCashondeliveryPrepaidcard16%5%28%2%5%5%PrePay%1%1%Other%%1%%1%1%Directdebit%%2%%%%BuyNow,PayLater%%%%1%1%6Description:TheTurkishconsumersoverwhelminglypreferredtousecreditcardsin2023,accountingfor48percent.DebitcardsanddigitalwalletsbothbecamesomewhatmorepopularsincethecoronaviruspandemicbutwereusedfarlessinTurkishe-commercetransactions.However,digitalwalletsareprojectedgrowto28percentmarketsharein2027,whichwillplaceitasthesecondmostpopularpaymentmethod.TurkeyisregardedasoneofthefastestgrowingonlinemarketsinEurope.

ReadmoreNote(s):Europe,Turkey;2016to2022Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayMarketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inTurkeyfrom2017to2023,withaforecastfor2027Mostusedin-store(POS)paymentmethodsinTurkey2017-2023,with2027forecast201725%%70%%4%%2%%-%201921%%66%%5%%8%%-%202038%%42%%8%%7%%5%%-%202139%%40%%9%%8%%-%202242%%38%%10%%9%%2%%-%202342%33%11%11%1%202737%22%10%28%1%Creditcard(incl."chargecard"since2021)*CashDebitcardE-wallet,Digital/mobilewalletPOSfinancing*Prepaidcard-%-%-%3%3%7Description:In2023,themostusedin-store(POS)paymentmethodinTurkeywascreditcard,withamarketshareof42percent.COVID-19ledtoasignificantchangeinTurkishpaymentbehavior,ascashmoneywasusedlessofteninfavorofcreditcards.CashremainedthemostpopularmethodusedforPOStransactionsinTurkeyuntil2022,then,itlaggedbehindcreditcards.ReadmoreNote(s):Turkey;2017to2027;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayCashusageeitherforonlinepaymentsoratPOSinTurkeyfrom2018to2023Annualadoptionofcashbyconsumers,onlineoroffline,inTurkey2018-2023Cash(POS)Cashinadvance(Online)Cashondelivery(Online)90%80%70%60%50%40%30%20%10%0%2018201920202021202220238Description:TheshareofcashtransactionsatPOS(Point-of-Sale)inTurkeydeclinedby10percentagepointsbetween2018and2023.ꢀThisisaccordingtotwodifferentquestionsaskedthroughoutmultiplesurveysfromꢀStatista'sConsumerInsights.Thenumbersshownhererefertoarolling12-monthshareofrespondentswhoindicatedtheyusedcashinabrickandmortarshoporwhilstshoppingonline.ꢀIn2018,theshareofrespondentsusingcashtransactionsatPOS(Point-of-Sale)stoodat80percent,[...]

ReadmoreNote(s):Turkey;April1,2022,toMarch28,2023;12,000+percountry;18-64years;Residentialonlinepopulation;12-monthrollingaverageSource(s):ConsumerInsightsNumberoffintechstartupsinTurkeyin2023,byactivityNumberoffintechstartupsinTurkey2023,byactivityNumberoffintechstartups050100150200250300PaymentBanking268108Cryptomoney,blockchainCorporatefinance10086Insurance5655FinanceStockmarket&investmentScoring,identity,informationsecurityCrowdfunding4634232117MoneytransferPersonalfinancemanagementAssetmanagement89/statistics/1295524/turkey-fintech-startup-number-by-activityIn2023,thepaymentserviceswastheleadingactivityamongstallfintechcompanieswith268newstartupsinTurkey.Itwasfollowedbybankingstartups,totaling108.Thetotalnumberofactivefintechstartupsinthecountryamountedto696asof2023.ReadmoreNote(s):Turkey;2023Source(s):FinanceOfficeofPresidencyoftheRepublicofTürkiyeNumberofe-moneyandpaymentinstitutionsinTurkeyfrom2017to2023Numberofe-moneyandpaymentinstitutionsinTurkey2017-2023908180747060504030201005655524741201720182019202020212022202310Description:Asof2023,therewere83licensede-moneyandpaymentinstitutionsinTurkey.Thenumberoftheseinstitutionsfollowedanincreasingtrendfrom2017to2023inthecountry.Incomparison,41licensede-moneyandpaymentinstitutionswereregisteredin2017.ReadmoreNote(s):Turkey;2017to2023Source(s):FinanceOfficeofPresidencyoftheRepublicofTürkiyeNumberofe-commercetransactionscarriedoutinTurkeyfrom1stquarter2015to4thquarter2023(inmillions)Numberofe-commercetransactionsinTurkey2015-2023,byquarter7006005004003002001000Q1

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2311Description:Inthefourthquarterof2023,Turkeyrecordedapproximately656.4millione-commercetransactions,thehighestnumberperquartereverregisteredinthecountry.Thatismorethan16.5percenthigherthanthe563.4milliononlinetransactionscompletedinthesameperiodofthepreviousyear.Incomparison,thenumberofe-commercetransactionsstoodat54millioninthefirstquarterof2015.

ReadmoreNote(s):Turkey;Q12015toQ42023;DomestictransactionsmadeusingdomesticandinternationalcardsSource(s):BankalararasıKartMerkeziE-commercetransactionvolumeinTurkeyin1stquarter2023,bypaymentmethod(inbillionTurkishlira)E-commercetransactionvolumeinTurkeyQ12023,bypaymentmethod450409.3400350300250209.32001501005034.10CardpaymentsMoneytransfer/EFTandothermethodsCashondelivery12Description:Inthefirstquarterof2023,e-commercetransactionsmadeviacardpaymentsinTurkeygeneratedavalueofnearlyover409billionTurkishlira.Additionally,thevalueofe-commercetransactionsmadeviamoneytransfers,electronicfundstransfers(EFT),andothermethodsamountedto209.3billionTurkishlira.ReadmoreNote(s):Turkey;Q12023Source(s):E-CommerceInfoPlatformCHAPTER

02OnlinebankingPenetrationrateofonlinebankinginTurkeyfrom2014to2029PenetrationrateofonlinebankinginTurkey2014-20299081.2878.768070605040302010075.7472.1467.916357.4151.184639.4234.8428.08201822.93201718.115.04201513.66201420162019202020212022202320242025202620272028202914Description:TheonlinebankingpenetrationrateinTurkeywasforecasttocontinuouslyincreasebetween2024and2029byintotal18.3percentagepoints.Afterthefifteenthconsecutiveincreasingyear,theonlinebankingpenetrationisestimatedtoreach81.28percentandthereforeanewpeakin2029.Notably,theonlinebankingpenetrationrateofwascontinuouslyincreasingoverthepastyears.ReadmoreNote(s):Turkey;2014to2029;allvaluesareestimatesSource(s):NumberofactivedigitalbankingcustomersinTurkeyfrom1stquarter2017to4thquarter2023(in1,000s)NumberofactivedigitalbankingcustomersinTurkeyQ12017-Q42023120,000100,00080,00060,00040,00020,0000Q1

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'2315Description:ThetotalnumberofdigitalbankingcustomersinTurkeyconstantlyincreasedthroughouttheobservedperiod.Asofthefourthquarterof2023,therewerenearly110.56milliondigitalbankingcostumersinthecountry,whichwasthehighestnumberrecorded.ReadmoreNote(s):Turkey;Q12017toQ42023Source(s):TheBanksAssociationofTurkeyNumberofactivedigitalbankingcustomersinTurkeyfrom1stquarter2017to4thquarter2023,bysegment(in1,000s)NumberofdigitalbankingcustomersinTurkey2017-2023,bysegmentResidentialCommercial120,000100,00080,00060,00040,00020,0000Q1

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'2316Description:ThenumberofdigitalbankingcustomersinTurkeyconstantlyincreasedthroughouttheobservedperiodforbothresidentialandcommercialcustomers.Asofthefourthquarterof2023,therewereover106millionresidentialand4.55millioncommercialdigitalbankingcustomersinthecountry,whichwerethehighestvaluesrecorded.ReadmoreNote(s):Turkey;Q12017toQ42023Source(s):TheBanksAssociationofTurkeyNumberofactiveinternetbankingcustomersinTurkeyfrom2014to2023(inmillions)NumberofactiveinternetbankingcustomersinTurkey2014-20232520.42017.414.31510513.1312.5412.511.9911.9812.0912.040201420152016201720182019202020212022202317Description:ThenumberofactiveinternetbankingcustomersinTurkeyincreasedsteadilyeachyearduringtheperiodfrom2014to2016,butdecreasedthefollowingyears.Thenumberofactiveinternetbankingcustomerspeakedat20.4millionin2016,butthenumberdecreasedto12.04millionactivecustomersin2023.Thenumberofactivemobilebankingcustomersinthecountryincreasedsteadilyduringthesameperiod.

ReadmoreNote(s):Turkey;2014to2023Source(s):TheBanksAssociationofTurkeyTotalvalueofonlinebankingtransactionsinTurkeyfrom1stquarter2016to4thquarter2023(inbillionTurkishlira)QuarterlyvalueofonlinebankingtransactionsinTurkey2016-20238,0007,0006,0005,0004,0003,0002,0006,0804,1953,2422,2561,6051,3441,2051,0371,0229569639507947381,0000654571Q1

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'2318Description:ThefiguresforinternetbankingtransactionsinTurkeygenerallyfollowedanupwardtrendfromthefirstquarterof2016tothelastquarterof2022.Inthefirstquarterof2016,thevalueoftransactionsamountedto571billionTurkishlira.Bythefourthquarterof2023,thisfigurerosetoalmostseventrillionTurkishlira.ReadmoreNote(s):Turkey;Q12016toQ42023Source(s):TheBanksAssociationofTurkeyTotalvolumeofonlinebankingtransactionsinTurkeyfrom1stquarter2016to4thquarter2023(in1,000s)QuarterlyvolumeofonlinebankingtransactionsinTurkey2016-202390,00080,00070,00060,00050,00040,00030,00020,00010,0000Q1

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'2319Description:Inthefourthquarterof2023,thetotalvolumeofonlinebankingtransactionsamountedtoapproximately78.8million,whichwasthepeakvaluerecordedduringtheobservedtimeframe.ThevolumeofbankingtransactionsmadeontheinternetinTurkeyfluctuatedeachquarterfrom2016to2022,however,aconstantincreasewasobservedthroughout2023.ReadmoreNote(s):Turkey;Q12016toQ42023Source(s):TheBanksAssociationofTurkeyTotalvalueofonlinebankingpaymentsinTurkeyfrom1stquarter2016to4thquarter2023(inbillionTurkishlira)QuarterlyvalueofonlinebankingpaymentsinTurkey2016-2023500450400350300250200150100415263205127958871655855545549423838500Q1

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'2320Description:ThevalueofonlinebankingpaymentsinTurkeymostlyincreasedonaquarterlybasisbetween2016and2023.Asofthefourthquarterof2023,thetotalpaymentvaluepeakedat460billionTurkishlira.

ReadmoreNote(s):Turkey;Q12016toQ42023Source(s):TheBanksAssociationofTurkeyTotalvolumeofonlinebankingpaymentsinTurkeyfrom1stquarter2016to4thquarter2023(in1,000s)QuarterlyvolumeofonlinebankingpaymentsinTurkey2016-202360,00050,00040,00030,00020,00010,0000Q1

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'2321/statistics/1381602/turkey-quarterly-online-banking-payment-volumeThevolumeofinternetbankingpaymentsinTurkeyfluctuatedovertheobservedperiod.Inthefirstquarterof2016,thetotalpaymentvolumepeakedat48.7milliontransactions.Thisfiguredecreasedtonearly21.6millionasofthelastquarterof2023.ReadmoreNote(s):Turkey;Q12016toQ42023Source(s):TheBanksAssociationofTurkeyCHAPTER

03CardpaymentsPenetrationrateofcreditcardsinTurkeyfrom2014to2029PenetrationrateofcreditcardsinTurkey2014-20294541.639.1438.4440353025201510536.8335.5234.6632.8232.6131.6530.930.3229.8629.529.2128.9928.810201420152016201720182019202020212022202320242025202620272028202923Description:ThecreditcardpenetrationinTurkeywasforecasttocontinuouslydecreasebetween2024and2029byintotal1.5percentagepoints.Afterthetwelfthconsecutivedecreasingyear,thecreditcardpenetrationisestimatedtoreach28.81percentandthereforeanewminimumin2029.ReadmoreNote(s):Turkey;2014to2029;allvaluesareestimatesSource(s):PenetrationrateofdebitcardsinTurkeyfrom2014to2029PenetrationrateofdebitcardsinTurkey2014-20297062.9961.9360.959.8758.8758.958.9258.9458.9658.9758.9858.9959605040302010055.5749.0243.25201420152016201720182019202020212022202320242025202620272028202924Description:ThedebitcardpenetrationinTurkeywasforecasttocontinuouslyincreasebetween2024and2029byintotal0.1percentagepoints.Accordingtothisforecastin2029,thedebitcardpenetrationwillhaveincreasedfortheeighthconsecutiveyearto59percent.ReadmoreNote(s):Turkey;2014to2029;allvaluesareestimatesSource(s):NumberofcreditcardsinuseinTurkeyfrom2014to2029(inmillions)NumberofcreditcardsinuseinTurkey2014-20298072.2271.7871.370.7670.1669.4968.7667.9370605040302010067.0266.0164.8863.6362.4558.858.2257.01201420152016201720182019202020212022202320242025202620272028202925Description:ThenumberofcreditcardsinuseinTurkeywasforecasttocontinuouslyincreasebetween2024and2029byintotal2.7millioncards(+3.89percent).Afterthefifteenthconsecutiveincreasingyear,thenumberisestimatedtoreach72.22millioncardsandthereforeanewpeakin2029.Notably,thenumberofcreditcardsinuseofwascontinuouslyincreasingoverthepastyears.ReadmoreNote(s):Turkey;2014to2029;allvaluesareestimatesSource(s):NumberofdebitcardsinuseinTurkeyfrom2014to2029(inmillions)NumberofdebitcardsinuseinTurkey2014-2029180155.83154.4316014012010080152.86151.13149.19147.05144.67142.02139.08135.81133.2120.49112.13100.6598.9896.336040200201420152016201720182019202020212022202320242025202620272028202926Description:ThenumberofdebitcardsinuseinTurkeywasforecasttocontinuouslyincreasebetween2024and2029byintotal8.8millioncards(+5.98percent).Afterthefifteenthconsecutiveincreasingyear,thenumberisestimatedtoreach155.83millioncardsandthereforeanewpeakin2029.Notably,thenumberofdebitcardsinuseofwascontinuouslyincreasingoverthepastyears.ReadmoreNote(s):Turkey;2014to2029;allvaluesareestimatesSource(s):TotalvalueofcardpaymentsinTurkeyfrom2020to2023,bycardtype(inbillionTurkishlira)TotalvalueofcardpaymentsinTurkey2020-2023,bycardtypeCreditcardDebitcardPre-paidcard8,0007,0006,0005,0004,0003,0002,0006,699.32,953.71,405.51,399.32023957.81,0000688.5279.82021180.32020142.68.526.566.2202227Description:ThetotalvalueofcardpaymentsinTurkeyrapidlyincreasedeachyearforallcardtypesovertheobservedperiod.In2023,thevalueofcreditcardpaymentsincreasedby127percentcomparedtothepreviousyearandreachednearly6.7trillionTurkishlira.Additionally,thevalueofdebitcardpaymentsinthecountryamountedto1.4trillionTurkishlirain2023.ReadmoreNote(s):Turkey;2020to2023Source(s):BankalararasıKartMerkeziTransactionvalueofcardpaymentsontheinternetinTurkeyfrom2014to2023(inbillionTurkishlira)ValueofcardpaymentsontheinternetinTurkey2014-20223TransactionvalueinbillionTurkishlira1,000

1,50005002,0002,500201420152016201720182019202020212022202341.8855.3968.3799.07138.91190.11260.35454.511,027.762,365.428/statistics/1377374/turkey-value-of-online-card-paymentsThetransactionvalueofdomesticandforeigncardpaymentsusedinTurkeygraduallyroseeachyearbetween2014and2023.In2023,thepaymentvaluemorethandoubledcomparedtothepreviousyear,totalingnearly2.4trillionTurkishlira.

ReadmoreNote(s):Turkey;2014to2023Source(s):BankalararasıKartMerkeziTotalvalueofcontactlesscardpaymentsinTurkeyfrom2020to2023(inbillionTurkishlira)ValueofcontactlesscardpaymentsinTurkey2020-20232,5002,0001,5001,0002,268.6904500289.62021104.9020202022202329/statistics/1381964/turkey-value-of-contactless-card-paymentsThetotalvalueofcontactlesscardpaymentsinTurkeywentuponayear-on-yearbasisfrom2020to2023.In2023,thevalueofcontactlesscardpaymentsincreasedby151percentcomparedtothepreviousyearandreachednearly2.3trillionTurkishlira.ReadmoreNote(s):Turkey;2020to2023Source(s):BankalararasıKartMerkeziTotalnumberofonlinecardpaymentsinTurkeyfrom2013to2023(inmillions)VolumeofonlinecardpaymentsinTurkey2013-20233,0002,5002,0001,5001,0005002,543.842,069.11,489.8956.42020679.12019513.22018386.12017306.92016260.92015218.12014193.32013020212022202330Description:ThetotalvolumeofcardpaymentsconductedonlineinTurkeyrapidlyincreasedeachyearundertheobservedperiod.ThenumberofonlinecardtransactionsusingTurkishcardstotaledover2.5billionbytheendof2023.

ReadmoreNote(s):Turkey;2013to2023Source(s):BankalararasıKartMerkeziMarketshareofpaymentcardbrands-Visa,Mastercard,AmericanExpress,orin-marketlocalcardschemes-inTurkeyfrom2017to2023BiggestinternationalanddomesticpaymentcardschemesinTurkey2017-2023VisaMastercardTroyAmericanExpressOthers120%100%80%60%40%20%0%201720182019202020212022202331Description:ThemarketshareoftheleadingpaymentcardschemesinTurkeyvariedslightlybetween2017and2022.VisaandMastercarddominatedaspaymentcardschemesin2023,with98percentmarketsharebetweenthem.

ReadmoreNote(s):Turkey;2017to2023;Basedontotaltransactionvalue,eitheronlineorofflineSource(s):GlobalData;PPRO;WorldpayTotalnumberofPOSterminalsreportedinTurkeyfrom2012to2022AnnualnumberofPOSterminalsinTurkey2012-2022Column1Column23,500,0003,000,0002,500,0002,000,0001,500,0001,000,000500,000020151050-5-102012201320142015201620172018201920202021202232Description:ThetotalnumberofPOSpaymentdevicesavailableinTurkeygrewbyroughly15percentbetween2021and2022.Turkeyisregardedasanupcomingcountrywhenitcomestodigitalpayments,althoughitisestimatedthattheshareofcashinthecountryin2021wasstillover40percent.SuchafigurewouldberelativelyhighwhencomparedtoothercountriesliketheUnitedKingdomortheNetherlands,althoughlesshighthaninGermany.ReadmoreNote(s):Turkey;2012to2022;Thesourcedidnotprovidefiguresfrombefore2012Source(s):BankforInternationalSettlements;CBRT;CHAPTER

04MobilepaymentsTotalnumberofactivemobilebankingcustomersinTurkeyfrom2014to2023(inmillions)NumberofactivemobilebankingcustomersinTurkey2014-202312010080108.7992.0975.1762.56049.2839.5520184029.5419.22201620012.26.72014201520172019202020212022202334Description:ThetotalnumberofactivemobilebankingcustomersinTurkeygraduallyincreasedfrom2014to2023.Thenumbergrewfromaround6.7millionactivecustomersin2014,tonearly108.8millionin2023.

ReadmoreNote(s):Turkey;2014to2023;ReferstocustomerswhologgedinatleastonceduringthelastthreemonthsSource(s):TheBanksAssociationofTurkeyTotalvalueofmobilebankingtransactionsinTurkeyfrom2016to2023(inbillionTurkishlira)ValueofmobilebankingtransactionsinTurkey2016-202325,00020,00015,00010,0005,00023,00411,3075,83320213,07120201,516201993364933002016201720182022202335/statistics/888614/turkey-value-of-mobile-banking-transactionsThetotalvalueofmobilebankingtransactionsinTurkeygraduallywentupfrom2016to2023.In2016,thevalueoftransactionsamountedtoapproximately330billionTurkishlira.Bytheendof2023,thisfigurerosetoabout23trillionTurkishlira.ReadmoreNote(s):Turkey;2016to2023Source(s):TheBanksAssociationofTurkeyTotalvolumeofmobilebankingpaymentsinTurkeyfrom1stquarter2016to4thquarter2023(in1,000s)QuarterlyvolumeofmobilebankingpaymentsinTurkey2016-2023450,000400,000350,000300,000250,000200,000150,000100,00050,0000Q1

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'2336Description:ThevolumeofmobilebankingpaymentsinTurkeyrosesteadilyovertheobservedperiod.Inthefirstquarterof2016,themobilepaymentvolumeamountedtoover36million.Thisfigurepeakedat387.5millionasofthelastquarterof2023.

ReadmoreNote(s):Turkey;Q12016toQ42023Source(s):TheBanksAssociationofTurkeyTotalvalueofmobilebankingpaymentsinTurkeyfrom1stquarter2016to4thquarter2023(inbillionTurkishlira)QuarterlyvalueofmobilebankingpaymentsinTurkey2016-2023700600500400300200100508377248166110937154393220231214670Q1

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'2337Description:ThevalueofpaymentsmadethroughmobilebankinginTurkeygenerallyincreasedonaquarterlybasisovertheobservedperiod.Inthefirstquarterof2016,themobilepaymentvalueamountedtosixbillionTurkishlira.Bythelastquarterof2023,thisfiguresignificantlyincreasedandpeakedat605billionTurkishlira.ReadmoreNote(s):Turkey;Q12016toQ42023Source(s):TheBanksAssociationofTurkeyTotalvalueofmobilebankingpaymentsinTurkeyin2023,bypurposeofpayment(inbillionTurkishlira)ValueofmobilebakingpaymentsinTurkey2023,bypurposeofpayment9008007006005004003002001000853358225170149962664LoanpaymentsInvoicepaymentsTaxpayments

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