Open Banking in our country is regulated by the Central Bank of the Republic of Turkey (CBRT), while the Interbank Card Center (BKM) continues to lead with its “GEÇİT” application. Open Banking is a model that allows customers to access and perform financial transactions on their data held at banks, with the consent of the customer, through third-party applications.

The Payment Request System is a value-added service aimed at enhancing customer experiences in the Instant and Continuous Funds Transfer – FAST System. The Payment Request System is based on the principle where the creditor customer requests payment from the debtor customer, who in turn responds to this request.

In this context, for the above-mentioned three modules (HHS, YÖS, and Payment Request), as Payosfer Information Services Inc., we aim to facilitate the integration between BKM and banks with our MERKURAPI gateway product, which is the subject of our proposal. (You can see the high-level diagram in the “Figure-1 Solution Architecture” scheme.)

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