Topic: Cards and payments infrastructureBIST

Digital Banking

Banking services delivered digitally without physical branches.

Educational content only. This page does not provide investment, legal, or regulatory advice.

Why it matters

Digital Banking matters because it changes how teams evaluate product risk, user experience, compliance exposure, and financial interpretation.

How it works

In practice, Digital Banking is understood through its operational role, the systems it touches, and the market actors that depend on it.

Risks and pitfalls

The main pitfall is to use Digital Banking as a buzzword without understanding the underlying controls, limits, and cross-border implications.

Regional notes

This concept appears across BIST, MOEX, GLOBAL contexts, but implementation can change with local regulation, payment rails, and institutional practice.

Related terms

Compare with

Peer-to-Peer Lending

Build from

Embedded Finance

Integration of financial services into non-financial platforms.

Peer-to-Peer Lending

Direct lending between individuals without banks.

Wallet (Digital)

Software or device to store crypto keys.

Robo-advisor

Digital platforms providing automated financial advice.

Primary sources

Stripe

2026-03-15

Stripe: Payment tokenization 101

Used for payment tokenization, network token, and account updater context.

Stripe

2026-03-15

Stripe: Merchant of record

Primary source for merchant-of-record terminology.

Adyen

2026-03-15

Adyen: Payment methods glossary

Reference source for payments terminology clusters.

Author

Kağan Samet Durmuş

Founder and multilingual fintech glossary editor

Reviewer

FinTechTerms Editorial Review

Editorial and source review layer

Reviewed

3/15/2026