Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1948, Akbank is a large private bank within Sabancı Holding, known for a strong digital banking experience and a broad retail-corporate base.
With Kobaküs you connect to Akbank accounts through one API with explicit consent. Balances and transaction history are read, categorised and used in PFM, income/affordability analysis, pre-accounting and reconciliation products. Akbank's digital base raises user-consent rates.
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Categorise transactions to offer budgeting, spending analysis and subscription detection.
Derive cash flow from transaction data and use it as input in alternative credit scoring.
Stream bank transactions into accounting/ERP for automatic reconciliation.
| Capability | Akbank · Kobaküs |
|---|---|
| Account information (AIS) | ✓ Live — balance + transaction read |
| Payment initiation (PIS) | On roadmap / via Virtual POS |
| Single-API access | ✓ Yes |
| Standard data schema | ✓ Yes — same across banks |
| TCMB framework & KVKK | ✓ Compliant |
Yes. With user consent you can read and categorise income-expense flows and use them as inputs in your affordability and risk models.
No. Authentication happens on the bank's own secure screen; credentials are not shared with you or Kobaküs. Only permitted data is accessed.
Yes. Kobaküs unifies all connected banks behind one API and one panel; no per-bank integration or panel is needed.
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