Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1938, Halkbank is a state-owned bank known for its historical role in financing tradespeople, artisans and SMEs. Its concentration of small-business and tradesperson accounts makes it a valuable source for commercial-lending and cash-flow applications.
Through Kobaküs you connect to Halkbank accounts via one API and can read SMEs' balance and transaction data with explicit consent. This feeds directly into cash-flow analysis, pre-accounting, automatic reconciliation and alternative credit scoring for tradespeople and small businesses.
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 | Halkbank · 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 the business owner's explicit consent, you can read balances and transaction history of Halkbank commercial/retail accounts through Kobaküs.
Yes. Halkbank's SME base is a strong source for transaction-based cash-flow analysis and alternative scoring; Kobaküs delivers the data categorised.
Data is processed only within the customer's explicit consent, in line with the TCMB open banking framework and KVKK principles. Consent can be withdrawn by the customer at any time.
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