Information Note On Operating Principles Of Digital Banks And Service Model Banking

• The Regulation on the activities of digital banks, which is a new business model in the finance and banking sector, has been regulated; and its purpose is to regulate the activities of branch-free banks that provide services through electronic banking services distribution channels and the provision of banking services as a service model to financial technology companies and other operations.

DIGITAL BANKS IN GENERAL

• The provisions regarding the establishment and operating permit conditions of digital banks in this Regulation are applied as additional provisions, without prejudice to the provisions contained in the RPRT.
• Unless otherwise stated, digital banks can perform all the activities that credit institutions can perform. Digital banks can only provide services through digital channels without branches.