Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Formed in 2005 from the merger of two special finance houses, Türkiye Finans is a large participation bank operating under interest-free banking principles.
Kobaküs connects to Türkiye Finans accounts via one API with explicit consent, securely reading balances and transaction history. It increases coverage in SME cash-flow, pre-accounting and income-verification scenarios for the participation-banking segment.
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 | Türkiye Finans · 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, Türkiye Finans commercial-account transactions can be pulled, categorised and fed into your pre-accounting flow.
Data access and format are identical to other banks; you define your product's interest-free finance logic, while Kobaküs only provides standard data.
No. With one Kobaküs integration you reach all supported banks, including Türkiye Finans.
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