ÖZTÜRKKAL, Belma - SAHIN CEYLAN, Onay - YILDIRIM, Canan - STRAT VASILE, Alecsandru - RADEV, Deyan - PENEV, Georgi - PELE DANIEL, Traian - CHINIE, Catalina - GROSU, Florin - DARIE FLAVIUS, Cosmin - MARE, Codruta - DAMIAN, Virgil - COITA, Ioana Florina. Regional Fintech Report for Türkiye, Romania, and Bulgaria. In Transparency in FinTech : Exploring Technological Advances, Regulation, and Societal Impact with Case Studies. - Cham : Springer Nature Switzerland, 2025. ISBN 978-3-032-03523-3. ISSN 2662-5091 (electronic), pp. 199-225. COST Action 19130, 760046/23.05.2024, 760048/23.05.2024, PNRR-III-C9-2022-I8, 760034/23.05.2023, KP-06-N75/9, BG-RRP-2.004-0008, DIGITAL 101119635, BG-175467353-2023-14-0004-2023, 09I03-03-V04-00502-2023.