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  • Article

    The Disconnect Between Sound Money And Sound Payments: A New Tension In The Monetary System In The Digital Age

    The modern monetary system is evolving into an increasingly complex ecosystem involving a wide range of market participants. While banks have traditionally occupied the central role in both the monetary and payment...
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    The Future Of Finance: Stablecoins In 2025 And Beyond

    After the tumultuous crypto winters and significant collapses in 2022 and 2023, the digital asset market has experienced a remarkable recovery in 2024.
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Stablecoins And Financial Sovereignty: Europe’s Strategic Test In Shaping The New Monetary Order

    Stablecoins have evolved from niche cryptocurrency instruments into mainstream financial tools with profound implications for monetary policy, payment infrastructure, and regulatory frameworks.
    United StatesFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    The Right To Privacy And Confidentiality In Health Tourism: A Legal Overview Under Turkish Law

    As cross-border healthcare services continue to expand, protecting the privacy and confidentiality of health tourists has become a legal and ethical priority.
    TurkeyPrivacy
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Bold Moves In Data Security: Key Recent Decisions By Regulatory Authorities

    The Advertising Board imposed sanctions on an online shopping platform operated by a retail company offering installment sales, concerning its "User and Privacy Agreement".
    TurkeyPrivacy
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    A New Form Of Dollarization?

    Defined as holding foreign currency-denominated assets and liabilities to hedge against the risk of local currency depreciation in inflationary economies, dollarization has traditionally been a key concern for central banks, ...
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    The Global Race Among Payment Giants To Build The Next Monetary Infrastructure Through Stablecoins

    Global payment giants including Visa, Mastercard, Circle and Stripe are racing to integrate stablecoins into mainstream financial infrastructure, transforming them from crypto-trading instruments into core components of cross-border payments and settlement systems. This strategic shift raises critical questions about monetary sovereignty, payment infrastructure control, and the future balance between private innovation and public regulatory authority.
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    A Quick Look At Türkiye's New International Health Tourism Regulation

    With the new regulation published in the Official Gazette dated 26 April 2025, the Regulation on International Health Tourism and Tourist Health of 2017 has been repealed.
    TurkeyFood, Drugs, Healthcare, Life Sciences
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Dark Patterns Under Turkish Law: A Current Assessment In Light Of The 2026 Amendments To The Regulation On Commercial Advertising And Unfair Commercial Practices

    Turkish law has evolved significantly in addressing dark patterns—manipulative digital interface designs that steer consumers toward decisions contrary to their interests. The 2026 amendments to the Regulation on Commercial Advertising and Unfair Commercial Practices introduce comprehensive transparency obligations covering targeted advertising, AI-generated content, discount claims, and consumer reviews. How do these new provisions reshape the legal framework for protecting consumer autonomy in digit
    TurkeyConsumer Protection
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Understanding The Future Of Payments In A Digitalized World

    The rapid emergence of stablecoins and central bank digital currencies is fundamentally reshaping the global monetary landscape, challenging traditional banking systems and raising critical questions about financial sovereignty, monetary policy transmission, and the future balance between public trust and private innovation.
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Kişisel Sağlık Verileri Hakkında Yönetmelikte Değişiklik Yapılmasına Dair Yönetmelik yayımlandı.

    Turkey's Ministry of Health has introduced significant amendments to the Personal Health Data Regulation, fundamentally changing how individuals can request re-evaluation of previously diagnosed medical conditions.
    TurkeyFood, Drugs, Healthcare, Life Sciences
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    A New Era In Cybersecurity In Türkiye: The Law Has Entered Into Force

    The newly enacted Cybersecurity Law No. 7545 (the "Law"), which entered into force on March 19, 2025, marks a significant shift in Türkiye's approach to cybersecurity by establishing a comprehensive legal framework.
    TurkeyTechnology
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    AI Law 2025 Overview

    As artificial intelligence ("AI") technologies continue to permeate economic, social, and institutional structures at an increasingly profound level, legal systems across the globe are swiftly...
    TurkeyTechnology
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    İyi Para ile İyi Ödeme Arasındaki Kopuş: Dijital Çağda Para Sisteminin Yeni Gerilimi

    Modern para sistemi, bankalar ve fintech şirketleri arasında artan bir gerilim yaşamaktadır. Geleneksel bankacılık güvenilir para üretirken, yeni nesil finansal teknoloji platformları daha hızlı ve kullanıcı dostu...
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    KVKK-Mesai Takibi Amacıyla Biyometrik Veri İşlenmesi Hakkında Kişisel Verileri Koruma Kurulunun İlke Kararına İlişkin Kamuoyu Duyurusu

    Turkey's Personal Data Protection Board has issued a landmark principle decision establishing that biometric data processing for employee attendance tracking violates fundamental data protection principles.
    TurkeyEmployment and HR
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Outlook Of E-Commerce In Türkiye: 2025 Report Unveiled

    In May 2025, the Ministry of Trade of the Republic of Türkiye published the "Outlook of E-Commerce in Türkiye 2025" report, shedding light on the dynamics of the rapidly expanding e-commerce ecosystem.
    TurkeyStrategy
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    Stablecoinler Ve Finansal Egemenlik: Avrupa İçin Yeni Para Düzeninin Stratejik Sınavı

    Stablecoinler, dijital finansal dönüşümün merkezinde yer alırken, ulusal finansal egemenlik açısından kritik sorular ortaya çıkarmaktadır. Parasal egemenlik, ödeme altyapısı bağımsızlığı ve düzenleyici kapasite üzerindeki etkileri, özellikle Avrupa için hem stratejik fırsat hem de risk yaratmaktadır. Bu yazı, stablecoinlerin finansal egemenlik boyutlarını ve A
    TurkeyFinance and Banking
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    KVKK-Belediyelerin Turistik Tanıtım Amacıyla Yaptığı Canlı Yayınlar Hakkında Kamuoyu Duyurusu

    Turkey's Personal Data Protection Authority has issued a public notice addressing municipalities' widespread practice of live-streaming public spaces for tourism promotion...
    TurkeyPrivacy
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    KVKK-Kaza Mağdurlarının Kişisel Verilerinin İşlenmesi Hakkında Kişisel Verileri Koruma Kurulunun İlke Kararına İlişkin Kamuoyu Duyurusu

    Kişisel Verileri Koruma Kurulu, kaza mağdurlarının verilerinin hasar danışmanlık şirketleri ve yetkisiz kişiler tarafından hukuka aykırı işlenmesine ilişkin ilke kararı yayımladı. Karar, sigorta eksperlerinin yetki sınırlarını, veri sorumluluklarını ve ihlal durumunda uygulanacak idari ve cezai yaptırımları detaylandırıyor.
    TurkeyPrivacy
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy
  • Article

    KVKK-Apartmanlarda Güvenlik Kamerası Sistemi Kullanımında Dikkat Edilecek Hususlara Dair Kamuoyu Duyurusu

    Turkey's Personal Data Protection Authority has issued new guidance on security camera usage in apartment buildings, addressing the surge in complaints about unlawful installations.
    TurkeyPrivacy
    Universal Hukuk | Law & Consultancy
    Universal Hukuk | Law & Consultancy

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