Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
The Türkiye subsidiary of the Netherlands-based ING group, ING is a private bank known for digital banking and savings-focused products.
Kobaküs connects to ING accounts via one API with explicit consent, securely reading and categorising balance and transaction data. It can be used in PFM, savings/budget products, income verification and account-verification scenarios.
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 | ING (Türkiye) · 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 offer budgeting, savings-goal and spending-insight features.
Authentication happens on ING's own secure screen; credentials are not shared with you, and only permitted data is accessed.
Yes. Kobaküs delivers all connected banks in one standard schema; you can combine ING and others into one unified view.
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