Income & account verification
Confirm salary/income inflows and account ownership in onboarding and KYC flows.
Founded in 1924, Türkiye İş Bankası is the Republic's first national bank and one of Türkiye's largest private banks. Its broad retail and corporate base makes it a high-coverage bank for open banking scenarios.
With Kobaküs you connect to İş Bankası accounts through one API with the customer's explicit consent. Balances and transaction history are securely read, categorised and used in products such as PFM, income verification, pre-accounting and subscription management. İş Bankası's ubiquity raises success rates in user onboarding.
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 İş Bankası (Isbank) · 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 |
The user selects İş Bankası from the list and consents on the bank's own secure screen. No credentials reach you; only permitted data flows through Kobaküs.
Yes. All accounts the customer approves can be linked in a single session; you can present their balances and transactions in a unified view.
Yes. Categorised transaction data can be retrieved via the API and fed into pre-accounting, automatic reconciliation and reporting flows.
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