Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1987 as Finansbank and now part of the Qatar-based QNB group, QNB is a large private bank active in digital banking and the SME segment.
Kobaküs connects to QNB accounts via one API with explicit consent, securely reading balance and transaction data. The QNB base broadens coverage in SME cash-flow, pre-accounting, income verification and PFM 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 | QNB (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 the owner's consent you can pull and categorise QNB commercial-account transactions to feed pre-accounting and reconciliation flows.
Yes. The bank-selection flow matches both the QNB and Finansbank names, so users find the bank under the name they know.
All access is within the TCMB open banking framework and the customer's explicit consent, processed in line with KVKK principles.
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