Bankacılık ve Teknoloji (Fintek ve Dijital Dönüşüm)

Accenture. (2025). Banking: The future is back – Top 10 trends shaping the industry in 2025 and beyond. https://www.accenture.com/us-en/insights/banking/top-10-trends-banking-2025

Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of FinTech: A new post- crisis paradigm? Georgetown Journal of International Law, 47(4), 1345–1393.

Bank for International Settlements. (2022). Will the real stablecoin please stand up? (BIS Papers No. 141). https://www.bis.org/publ/bppdf/bispap141.pdf

Bank for International Settlements. (2024). Advancing in tandem: Results of the 2024 BIS survey on central bank digital currencies (BIS Papers No. 159). https://www.bis.org/publ/bppdf/bispap159.pdf

Bank for International Settlements, Financial Stability Institute. (2024). Regulating AI in the financial sector: Recent developments and main challenges (FSI Insights on Policy Implementation No. 63). https://www.bis.org/fsi/publ/insights63.pdf

Basel Committee on Banking Supervision. (2021). Principles for operational resilience. Bank for International Settlements. https://www.bis.org/bcbs/publ/d516.htm

Basel Committee on Banking Supervision. (2024). Digitalisation of finance (BCBS Report). Bank for International Settlements. https://www.bis.org/bcbs/publ/d575.pdf

Cevik, S. (2024). Promise (un)kept? Fintech and financial inclusion (IMF Working Paper No. WP/24/131). International Monetary Fund. https://www.imf.org/-/media/files/publications/wp/2024/english/wpiea2024131-print-pdf.pdf

Dağtekin, O. C., ve Şahin, G. (2024). The current landscape of CBDCs and the scope of monetary policies under digitalized macroeconomic systems. In E. Akadal, S. Karakaş Geyik, & M. H. Satman, Blockchain: Concepts, issues, and applications. Istanbul University Press. https://doi.org/10.26650/B/T8SSc4.2024.041.008

Federal Reserve Board. (2022). The stable in stablecoins (FEDS Notes). https://www.federalreserve.gov/econres/notes/feds-notes/the-stable-in-stablecoins-20221216.html

Feyen, E., Frost, J., Gambacorta, L., Natarajan, H., & Saal, M. (2021, July). Fintech and the digital transformation of financial services: Implications for market structure and public policy (BIS Papers No. 117). Bank for International Settlements. https://www.bis.org/publ/bppdf/bispap117.pdf

Financial Stability Board. (2023). High-level recommendations for the regulation, supervision and oversight of crypto-asset activities and markets; and global stablecoin arrangements. https://www.fsb.org/2023/07/high-level-recommendations-for-the-regulation-supervision-and-oversight-of-crypto-asset-activities-and-markets-final-report/

Financial Stability Board. (2024). The financial stability implications of artificial intelligence. https://www.fsb.org/2024/11/the-financial-stability-implications-of-artificial-intelligence/

Financial Stability Board. (2025). Thematic review on the FSB global regulatory framework for crypto-asset activities. https://www.fsb.org/2025/10/thematic-review-on-fsb-global-regulatory-framework-for-crypto-asset-activities/

Gimpel, H., Rau, D., & Röglinger, M. (2020). The evolution of the financial technology ecosystem: An introduction and agenda for future research on disruptive innovations in ecosystems. Technological Forecasting and Social Change, 151, 119779. https://doi.org/10.1016/j.techfore.2019.119779

Iatzaz Ul Hassan, M., Wu, M., Lu, J., Sohu, J. M., Ali, S., Anjum, H. N., & Bilal, M. (2025). Financial technology and banking performance in developing countries: Evidence from an advanced quantile regression approach. Humanities and Social Sciences Communications, 12, Article 1455. https://doi.org/10.1057/s41599-025-05571-8

International Monetary Fund. (2023). Institutional Arrangements for Fintech Regulation:Supervisory Monitoring. https://www.imf.org/-/media/files/publications/ftn063/2023/english/ftnea2023004.pdf

International Monetary Fund. (2025). Central bank digital currency: Further navigating challenges and risks (IMF Policy Paper). https://www.imf.org/-/media/files/publications/pp/2025/english/ppea2025041.pdf

Lewis, R., McPartland, J. W., & Ranjan, R. (2017). Blockchain and financial market innovation. Economic Perspectives, 41(7). Federal Reserve Bank of Chicago. https://www.chicagofed.org/publications/economic-perspectives/2017/7

McKinsey & Company. (2025). Global banking annual review 2025. https://www.mckinsey.com/industries/financial-services/our-insights/global-banking-annual-review

Organisation for Economic Co-operation and Development. (2024). Digitalisation of financial services, access to finance and aggregate economic performance (OECD Economics Department Working Paper No. 1818). https://www.oecd.org/en/publications/digitalisation-of-financial-services-access-to-finance-and-aggregate-economic-performance_10c7e583-en.html

Singh, S., Schupbach, A., Asiala, A., & Siwecki, D. A. (2025). AI's impact on banking: Use cases for credit scoring and fraud detection. ECB Banking Supervision. https://www.bankingsupervision.europa.eu/press/supervisory-newsletters/newsletter/2025/html/ssm.nl251120_1.en.html

World Bank. (2025). The Global Findex Database 2025. https://www.worldbank.org/en/publication/globalfindex

Accenture. (2025). Banking: The future is back – Top 10 trends shaping the industry in 2025 and beyond. https://www.accenture.com/us-en/insights/banking/top-10-trends-banking-2025

Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of FinTech: A new post- crisis paradigm? Georgetown Journal of International Law, 47(4), 1345–1393.

Bank for International Settlements. (2022). Will the real stablecoin please stand up? (BIS Papers No. 141). https://www.bis.org/publ/bppdf/bispap141.pdf

Bank for International Settlements. (2024). Advancing in tandem: Results of the 2024 BIS survey on central bank digital currencies (BIS Papers No. 159). https://www.bis.org/publ/bppdf/bispap159.pdf

Bank for International Settlements, Financial Stability Institute. (2024). Regulating AI in the financial sector: Recent developments and main challenges (FSI Insights on Policy Implementation No. 63). https://www.bis.org/fsi/publ/insights63.pdf

Basel Committee on Banking Supervision. (2021). Principles for operational resilience. Bank for International Settlements. https://www.bis.org/bcbs/publ/d516.htm

Basel Committee on Banking Supervision. (2024). Digitalisation of finance (BCBS Report). Bank for International Settlements. https://www.bis.org/bcbs/publ/d575.pdf

Cevik, S. (2024). Promise (un)kept? Fintech and financial inclusion (IMF Working Paper No. WP/24/131). International Monetary Fund. https://www.imf.org/-/media/files/publications/wp/2024/english/wpiea2024131-print-pdf.pdf

Dağtekin, O. C., ve Şahin, G. (2024). The current landscape of CBDCs and the scope of monetary policies under digitalized macroeconomic systems. In E. Akadal, S. Karakaş Geyik, & M. H. Satman, Blockchain: Concepts, issues, and applications. Istanbul University Press. https://doi.org/10.26650/B/T8SSc4.2024.041.008

Federal Reserve Board. (2022). The stable in stablecoins (FEDS Notes). https://www.federalreserve.gov/econres/notes/feds-notes/the-stable-in-stablecoins-20221216.html

Feyen, E., Frost, J., Gambacorta, L., Natarajan, H., & Saal, M. (2021, July). Fintech and the digital transformation of financial services: Implications for market structure and public policy (BIS Papers No. 117). Bank for International Settlements. https://www.bis.org/publ/bppdf/bispap117.pdf

Financial Stability Board. (2023). High-level recommendations for the regulation, supervision and oversight of crypto-asset activities and markets; and global stablecoin arrangements. https://www.fsb.org/2023/07/high-level-recommendations-for-the-regulation-supervision-and-oversight-of-crypto-asset-activities-and-markets-final-report/

Financial Stability Board. (2024). The financial stability implications of artificial intelligence. https://www.fsb.org/2024/11/the-financial-stability-implications-of-artificial-intelligence/

Financial Stability Board. (2025). Thematic review on the FSB global regulatory framework for crypto-asset activities. https://www.fsb.org/2025/10/thematic-review-on-fsb-global-regulatory-framework-for-crypto-asset-activities/

Gimpel, H., Rau, D., & Röglinger, M. (2020). The evolution of the financial technology ecosystem: An introduction and agenda for future research on disruptive innovations in ecosystems. Technological Forecasting and Social Change, 151, 119779. https://doi.org/10.1016/j.techfore.2019.119779

Iatzaz Ul Hassan, M., Wu, M., Lu, J., Sohu, J. M., Ali, S., Anjum, H. N., & Bilal, M. (2025). Financial technology and banking performance in developing countries: Evidence from an advanced quantile regression approach. Humanities and Social Sciences Communications, 12, Article 1455. https://doi.org/10.1057/s41599-025-05571-8

International Monetary Fund. (2023). Institutional Arrangements for Fintech Regulation:Supervisory Monitoring. https://www.imf.org/-/media/files/publications/ftn063/2023/english/ftnea2023004.pdf

International Monetary Fund. (2025). Central bank digital currency: Further navigating challenges and risks (IMF Policy Paper). https://www.imf.org/-/media/files/publications/pp/2025/english/ppea2025041.pdf

Lewis, R., McPartland, J. W., & Ranjan, R. (2017). Blockchain and financial market innovation. Economic Perspectives, 41(7). Federal Reserve Bank of Chicago. https://www.chicagofed.org/publications/economic-perspectives/2017/7

McKinsey & Company. (2025). Global banking annual review 2025. https://www.mckinsey.com/industries/financial-services/our-insights/global-banking-annual-review

Organisation for Economic Co-operation and Development. (2024). Digitalisation of financial services, access to finance and aggregate economic performance (OECD Economics Department Working Paper No. 1818). https://www.oecd.org/en/publications/digitalisation-of-financial-services-access-to-finance-and-aggregate-economic-performance_10c7e583-en.html

Singh, S., Schupbach, A., Asiala, A., & Siwecki, D. A. (2025). AI's impact on banking: Use cases for credit scoring and fraud detection. ECB Banking Supervision. https://www.bankingsupervision.europa.eu/press/supervisory-newsletters/newsletter/2025/html/ssm.nl251120_1.en.html

World Bank. (2025). The Global Findex Database 2025. https://www.worldbank.org/en/publication/globalfindex