As you know, instalments for buying stuff is extremely popular in Turkey. Every bank offers up to 12-15 instalments for the original price for credit card purchases.
Since Feb.1st, government prohibited that electronics(esp. phones) are not allowed to be purchased by instalments. But the solution is here already, selling a phone cover for 1000 TL ($ 400) with 12 instalments and giving away the phone as a gift with it.
This was expected and very obvious but our lawmakers are so genius that they didn’t see it coming. Now more regulations will follow to control this one..
Actually there is a service design challenge lying here to be solved..