Türkiye's fintech sector received 214 million dollars of investment in 2025

The results of the "Turkey Startup Investments" report covering the year 2025, prepared in cooperation with KPMG Turkey Merger and Acquisition Advisory Team and 212 in order to reveal the main trends, opportunities and challenges facing the venture capital market in Türkiye, have been published. According to the data, among the startup investments made in our country last year, the fintech sector ranked fourth in the number of transactions and second in transaction volume. The Fintech sector made 23.4 million dollars with 12 transactions in the first quarter of last year, 78.1 million dollars with 5 transactions in the second quarter, 94.9 million dollars with 7 transactions in the third quarter and 94.9 million dollars in the last quarter. It received an investment of $17.3 million through 11 transactions in the quarter. Thus, the sector reached an investment volume of 213.7 million dollars with a total of 35 transactions in 2025.
 
Wealth management and investment-focused wealthtech platforms came to the fore
In 2025, investors shifted from traditional payment systems to wealthtech platforms focused on asset management and investment. This transformation revealed that the Turkish fintech market has begun to show its presence not only in the field of spending, but also in the field of saving and managing. This transformation proved that the Turkish Fintech Sector has now entered a period of maturity.
 
Midas constituted more than 70 percent of the sector volume with early stage investments of 80 million dollars and Sipay of 78 million dollars. The Midas investment was also recorded as the largest early stage financing of the year. Investments such as Onlayer ($8.2 million) and OfferimGelsin ($4 million) realized in the fourth quarter showed that the interest continued until the end of the year. In addition, the success of initiatives such as Flow48 ($69 million) and Payrails ($32 million) also confirmed that the domestic fintech vision has scaled globally.
 
Artificial intelligence has become the most active vertical of the ecosystem
According to the report, artificial intelligence has become the most active vertical of the ecosystem with 48 transactions in 2025, and has become at the center of fintech operations. Artificial intelligence algorithms, which play a critical role especially in the fields of fraud prevention and credit scoring, have reduced operational costs and made efficiency the main investment thesis. It is estimated that these technological developments will be the most important determinant of the fintech vision in 2025 and beyond.
 
“Investor appetite focuses on specialized and value-added investment instruments” 
Making a statement on the subject, KPMG Turkey Fintech and Digital Finance Leader Sinem Cantürk said, “Turkey's fintech sector is evolving from traditional payments to an asset management-oriented structure. This process is supported by Midas' 80 million dollar investment. "We can say that investor appetite is now concentrating not only on money transfer but also on specialized and value-added investment instruments. On the other hand, while the clarification of CMB regulations creates the necessary trust environment for the institutionalization of digital assets, new permissions within the framework of service model banking create excitement in the sector. We believe that in the coming period, capital flow will be directed towards sustainable initiatives with operational discipline and strong financial foundations, rather than aggressive growth. Investor selectivity will continue to reward qualified opportunities with technological depth and proven market traction." he said.
 
See the full “Türkiye Startup Investments” reporthere.