Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1985, Albaraka Türk is one of Türkiye's first participation banks, with deep roots in interest-free banking.
Kobaküs connects to Albaraka Türk accounts via one API with explicit consent, securely reading and categorising balance and transaction data. It broadens coverage in PFM, pre-accounting and income-verification products aimed at the participation-banking audience.
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 | Albaraka Türk · 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. The customer selects Albaraka and consents on the bank's secure screen; the permitted account data then flows into your app via Kobaküs.
Yes. Kobaküs normalises all banks into one standard schema; Albaraka data is processed in the same structure.
Only the customer's explicit consent is needed; access is within the TCMB open banking framework and complies with KVKK principles.
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