3 Revolution: Digital Loans, Smart Fuses and Artificial Intelligence Supported Investment Strategies in 2024

Published: 2025-08-03 09:49:43

According to the latest data, digital credit usage in Turkey reached 18 billion TL with 42% increase in 2023, the insurance technologies (InsurTech) market recorded 67% growth. Here are 2024 projections of experts:

1. Digital Transformation in Credit Sector
Loans approved in 60 seconds via mobile banking are lower than traditional banking models. According to the February 2024 report of the Union of Financial Associations of Turkey:

Biometric authentication credit applications increased by 300%

Blockchain-based credit score systems pilot application in 5 major banks

"smart credit" models fed with macroeconomic data for SMEs are common

2. Personalized Solutions in Insurance
Dynamic insurance premiums shaped with data from IoT devices are grounding in the industry:

Pricing based on driving behaviour in vehicle fuses (up to 40%)

Integration of wearable technology in health insurance

Damage detection with satellite images in agricultural fuses

3. Artificial Intelligence Effect on Investment Vehicles
According to Central Bank data, the number of individual investors increased by 2.3 million in the last 1 year. Remarkable trends:

Robo-consultants: 15,000 new users per week

Portfolio recommendations of trained algorithms with synthetic data

NFT-based investment funds on the rise in the virtual asset market

Stunning Data:

TÜİK: Enflation-protected deposits constitute 38% of total savings

BDDK: Crypto asset investments reached $ 4.2 billion in 2023

TSPB: The number of ETFs traded in Exchange Istanbul increased to 87

Expert Opinion:
Finance Technology Specialist Dr. According to Elif Korkmaz: 65% of consumers up to 2025 will prefer hybrid human-YZ interactive financial services. Especially in agricultural insurance, blockchain and satellite imaging technologies will download damage processes for 3 hours. "

Conclusion:
In this new period where smart algorithms shape, financial literacy and technology adaptation are critical. Artificial intelligence-supported risk analysis tools need to develop balance policies of regulators while radically changing decision mechanisms of individual investors.
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