Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1997 and part of the Emirates NBD group, DenizBank is a broad-based private bank active in agriculture, SME and digital banking.
Kobaküs connects to DenizBank accounts via one API with explicit consent, reading and categorising balances and transaction history. Its agriculture and SME base provides valuable data for cash-flow analysis and alternative credit scoring.
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 | DenizBank · 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 categorise income-expense flows and use them as inputs in cash-flow-based scoring models.
The user can withdraw consent at any time; when consent ends, data access stops. This control is a requirement of the open banking framework.
Yes. Kobaküs normalises all banks into one standard schema; you don't deal with per-bank data formats.
Explore our open banking infrastructure in a free sandbox.