Kredi Kayıt Bürosu provides products and services to the finance and real sector.


Pursuant to the Bank Cards and Credit Cards Law, the total limit of credit cards that may be granted by all banks to a customer, who will begin using a credit card for the first time, may not exceed twice their income for the first year and four times thereof for the second year. Pursuant to the regulation dated October 8, 2013, credit limits apply to all credit cardholders.

KKB initiated works on this issue in collaboration with the TBB Credit Cards Working Group, commencing the test run of the Limit Control System (LCS) in late 2013. As of January 2014, all members uploaded customers’ credit card data into the system.

Designed and developed by KKB in line with the country’s needs, the Limit Control System runs in real-time.

LCS enables credit card issuers to manage the single limit application by combining credit card limits assigned by credit card issuers for each customer.

Starting on March 1, 2014, sanctions are implemented within the Limit Control System (LCS) under the following conditions:

  • If there are missing records in the first notification file transmitted, or if a subsequent addition is attempted,
  • If FTP notification does not comply with the standards or is not made within the specified time.
  • If the final limit is notified wrongly,
  • If the current limit is communicated incorrectly.

With the launch of the LCS Urgent Updating service, members were enabled to perform reduction, closure, and record correction transactions without document circulation in order to facilitate correction of limits notified as part of LCS.


LCS MIDES provides a platform for KKB members to handle customer objections related to incomplete or incorrect information shared via the Limit Control System.

If a customer thinks that the information shared via LCS is incomplete or incorrect, they can initiate the objection process in LCS MIDES by using the reference number generated for the inquiry. Regarding objections submitted by members, the process runs between objecting and responding parties through LCS MIDES screens. If the responding member replies to an objection with a value lower than the LCS value, then the process continues via the LCS Urgent Updating screen with the responding member updating their reply.

LCS MIDES was developed to respond to customer objections quickly and clearly and to carry out all related communications in accordance with certain standards. It aims to shorten the objection process and increase customer satisfaction.


The Risk Report is a KKB product that shows the past loan repayment performance of natural persons and legal entities.

The credit registry data owned by KKB consists of customer information shared between KKB’s members. The report is prepared based on this information and submitted without making changes. It is beyond its peers in the world in terms of design and content as a result of the enrichment activities carried out in 2014. The following information is provided in the report:

  • Findeks Credit Rating
  • Limits, risks, past payment performance and credit card payment details of the respective individual
  • Number of financial institutions which made the notification
  • Total number of credit accounts
  • Total limit and balance data
  • Date of the last loan utilization
  • Number of overdue credit accounts
  • Total amount of overdue balance
  • Longest overdue period to date
  • Details of non-performing loans, if any
  • Leasing – Factoring combined data
  • The rating percentiles which indicate customer’s credit rating percentile throughout Turkey
  • The worst-case in the repayment history
  • Longest overdue period to date
  • Liabilities of credit card holders, outstanding balance under prosecution, credit utilization ratio, balance of outstanding installments
  • For consumer loans: outstanding balance under prosecution, credit utilization ratio, number of installments, amount of installments, and the like.

The Risk Report also shows repayment performance for each loan over the past 18 months, while providing an overview of repayment performance in the financial sector. The Risk Report contains not only negative information, such as overdue payments or records under prosecution but also positive information, such as timely repayment of loans. Therefore, the Risk Report offers a significant advantage for persons who pay off their debts by the due date.

Since September 2012, KKB has also shared the Risk Reports with report-issuing persons/institutions and third parties authorized by these issuers through bank branches. In addition to the financial industry, the Reports have been shared electronically via the Findeks platform with individuals and the real sector since 2014.


The enactment of the Law Amending Cheque Law No. 6273, which was promulgated in the Official Gazette No. 28193 (Repeating) dated February 3, 2012, abolished the sanction imposed on issuers of bounced cheques and ushered in a new era in the Turkish economy in terms of receivables risk management.

Platforms through which information required for proper management of risk and for accurate decision making by a cheque bearer whether to accept the cheque aim to protect both the cheque issuer and bearer.

The “Cheque Report Presentation System” was introduced by KKB in April 2012 to make the cheque more secure as a common instrument of payment. The system offers a service that provides the cheque payment history information needed by cheque bearers about the cheque issuers in order to make sound decisions via the Cheque Reports the system produces.

The Cheque Report contains the following information:

  • Banks where the customer has cheque accounts
  • Number of cheques presented since 2007
  • Number and amount of cheques paid upon presentation
  • Number and amount of cheques bounced and still unpaid since 2009
  • Number and amount of cheques bounced but subsequently paid since 2009
  • Date of the first cheque presented
  • Date of the first cheque presented and dishonored
  • Date of the last cheque presented and dishonored
  • Date of the last cheque paid upon presentation
  • Number and amount of cheques paid during the last 1-, 3- and 12-month periods
  • Number and amount of cheques dishonored during the last 1-, 3- and 12-month periods
  • List of dishonored cheques limited to the most recent 50 cheques
  • Number of open cheques remaining unpaid or non-dishonored
  • Number and amount of postdated cheques remaining unpaid or non-dishonored
  • Number of cheques unreturned to the banking system,
  • Cheque Index,
  • Table showing the lowest, highest and average amounts of cheques by year,
  • Data of open cheques in addition to collection guarantee cheques,
  • Issuers’ postdated and open cheques, in addition to bounced and paid cheques.

The report enables the tracking of the positive or negative cheque payment performance of the account holder. The report also shows how many banks have issued cheque books to the account holder and gives an idea about the credibility of the person in question. If the Cheque Report is used at the time of cheque acceptance, it is possible to predict the probability of the cheque bouncing with up to 80% accuracy.

Reports can be required by real sector players from the counterparty at every platform of commercial transactions via online devices or online. Through online report applications, real sector players can obtain a Cheque Report or a Risk Report of a debtor from the said debtor or, with their approval, directly from the KKB inquiry system to control their receivables risk. KKB has set an example worldwide with its unique infrastructure, which enables the requesting of Cheque Reports by obtaining online consent from third parties; moreover, the system is integrated with all banks in Turkey.


The Cheque Status Inquiry Service was developed to prevent cheque fraud. With this service, one can find out whether a cheque is in circulation by making an online inquiry about the status of accepted cheques. The service makes it possible to discover whether the cheque is in circulation through an online inquiry via the issuing bank.

The inquiry will be used to prevent the possibility of a certain cheque’s being a copy of the original cheque by determining whether the cheque in question is returned to the banking system, or whether it is received by any bank for collection/collateral purposes. In order to ensure a safer commercial life in Turkey, KKB has offered this service to the entire financial sector as part of the “Measures Taken to Prevent Cheque Fraud.”

With the Cheque Status Inquiry Service, the institution can inquire about the bank code, branch code, checking account number, and cheque row number of the cheques accepted as a guarantee or for collection, and the status of the cheques.


The Cheque Index summarizes cheque-using habits and the reliability of a cheque issuer while serving as a risk indicator in graphic form. The Cheque Index is based on a score for the market, which is derived from the cheque payment data of natural and legal persons.

The Cheque Index evaluates the cheque payment behavior of legal entities and natural persons as a measurable factor. If there has been a problem, the Cheque Index’s calculation reflects the number and amount. The cheque bearer can easily see the standing of a cheque issuer on a simple diagram and compare his/her position with other cheque issuers.

The Cheque Index, calculated statistically through an analysis of detailed data in the Cheque Report, facilitates interpretation of the reports and sound decision-making, hence ensuring time and resource savings. The Cheque Index is based on statistical data obtained through the analysis of detailed information pertaining to cheque history. Therefore, corporations can use the Cheque Index before engaging in a cheque transaction instead of attempting to interpret the detailed information in the Cheque Report. The Cheque Index enables companies to: Have an idea about the reliability of cheques, which they accept as a guarantee, Make consistent predictions as to whether the cheque will be paid by the maturity date, and Minimize any financial loss they may incur if the cheque bounces.


The Personal Credit Rating (PCR) is a numerical indicator calculated by KKB for individual customers to predict and compare customers’ ability to repay the loans they have obtained or will obtain from KKB-member institutions. PCR is a decision support product developed using a statistical model; it provides a summary of data pertaining to loan repayments of customers, obtained via the Credit Reference System (CRS).

PCR enables lending institutions to make rational, standardized risk decisions while shortening the decision-making process substantially. As a result, customers can access loan products in a shorter time. Lastly, KKB launched the fifth version of PCR in 2017.


  • The Personal Indebtedness Index (PII) is a score-based risk index developed by KKB to introduce a new risk perception to the banking-finance industry and to enable better prediction of potential risks. PII aims to identify persons who are inclined to run up excessive debts, even though they may not have shown any signs of repayment problems in the past. The objectives of PII include:
  • Establishing an early warning system by identifying those persons who use a new loan to pay off existing debt and who therefore are increasingly incurring more debt, even though they may not have shown any signs of repayment problems in the past,
  • Ensuring responsible lending,
  • Enabling users to make more accurate decisions concerning matters such as determining credit limits, risk-based pricing, and the like,
  • Improving the quality of the lending decision systems of banks.

The Personal Indebtedness Index (PII) was developed to predict those persons who will become excessively indebted within one year following the date of the inquiry, even if they are not expected to become insolvent within the same period.

In addition to the definition of “non-performing loan” (i.e. persons who failed to pay three installments in succession, persons who are under legal prosecution, persons who are classified as an uncollectible account), which Personal Credit Rating and similar risk prediction models try to forecast, PII also detects signs of “excessive indebtedness.” PII was developed to identify persons who have an outstanding non-guaranteed debt higher than TRY 250 and to predict excessive indebtedness.


The Commercial Credit Rating (CCR) is an evaluation of the creditworthiness of a firm in order to facilitate commercial credit analysis. CCR can be queried by member banks and other financial institutions as part of inquiries made through the Corporate Bureau, which keeps a record of credit histories.

CCR is based on demographic data, loan data, and cheque payment performance to predict to what extent an enterprise will fulfill the repayment requirements of a loan obtained from a member. CCR measures a firm’s default probability within 12 months following the date of inquiry; therefore, if the CCR is high, then it means that default probability is low.

Financial institutions consider many variables in the lending process. As financial institutions take into consideration a number of variables during the lending process, the loan repayment history of legal persons is an important variable. CCR fills an important gap by providing the information needed to evaluate the loan repayment behavior of legal persons. As a result, monitoring the external behavior of loan customers becomes easier.

The Commercial Credit Rating (CCR) is calculated statistically through the analysis of detailed data contained in the CBS inquiries and the Risk Report. CCR provides the following advantages:

  • Risk decisions made by lending institutions can be evaluated more accurately.
  • A standard can be established in the commercial segment.
  • Decision-making processes are shortened so that customers can access loan products in a shorter time.

KKB offers its corporate members two different Commercial Credit Rating models, derived from data modeling carried out on the Corporate Bureau System.


In order to support the data-sharing service it offers to members with analytic scoring models, KKB launched the Collection Scores service, one of its high value-added products. The “Collection Scores” service is used to assess the risk of further delaying payment or defaulting on a loan by a customer, who has already delayed repayment, in the near future. Collection Scores are risk scorecards tailored for each customer who delays their payments. With this tool, members can develop collection strategies for overdue customers and manage collection processes more effectively. Taking into account all CRS data, members can boost collection efficiency by planning their actions to realize risk segmentation according to the related overdue period. They can also ensure to prevent customer dissatisfaction except for operational gain.


KKB’s Inclination Scores seek to predict the likelihood of persons to use a new credit product in the future based on their past behavior and their performance with respect to existing credit products. This is aimed at enabling members to manage their risks effectively by reaching customers genuinely in need of loans or customers with sufficient credibility.

KKB Inclination Scores:

  • Enable KKB members to reach the best prospects rapidly with appropriate strategies.
  • Allow members to see more comprehensive data via a single score with a lesser operational burden.
  • Save time thanks to the easy identification of target masses on a product basis.
  • Provides more productive, efficient management in making products available.


GeoMIS, winner of the “Oracle 2014 Innovator Excellence Award,” is a location-based data reporting service that processes address information contained in KKB data, converts it into geographic coordinates, and positions it on the map. GeoMIS enables the viewing of all types of statistical data on the map by assigning different colors to different categories, which are broken down by city and town.

Comprised of various components, GeoMIS does not only consist of a database, numerical map, and reports. GeoMIS can also be effectively used as a decision support system because it visualizes common database processes, such as inquiries and statistical analysis, combining them with geographic analyses provided by the maps. Thanks to this capability, GeoMIS renders report outputs much more valuable, providing an output that boosts productivity and risk models.

The following reports can be generated through the GeoMIS - Map-based Reporting System; Standard Report, which contains portfolio data of an institution pertaining to a specific period, Trend Report, which enables the tracking of changes in portfolio data of an institution within a certain time period, Benchmark Report, in which portfolio data of an institution can be evaluated against industry data, TÜİK (Turkish Statistical Institute) data and a selected benchmarking group average.

The GeoMIS service is provided by KKB through the map-based reporting platform via the Oracle database and application servers. Data positioning on the map is done using geo-coding.

The system identifies the institution of the user signing in on the system via the IP address used and displays information based on the identified institution.

GeoMIS Personal

In July 2013, the members of the Credit Reference System (CRS) started using the GeoMIS application, which had only been covering the inquiries done by CRS users since the second half of 2009.

In 2014, the data set of the GeoMIS application was further enriched with the addition of personal loan portfolio data. Since that time, the application has also served as GeoMIS Personal.

GeoMIS Corporate & Cheque

GeoMIS Corporate & Cheque is a product of the GeoMIS family. In August 2014, KKB expanded the data set of the GeoMIS family by adding specific KKB information about small/medium/large enterprises and the commercial segment. As a result, GeoMIS Corporate & Cheque provides detailed reports based on cities and towns.

The GeoMIS Corporate & Cheque application allows the evaluation of limits, risks, Commercial Credit Rating (CCR), and bad cheque data pertaining to accounts contained in the Corporate Bureau (CB) and display of this data on the map based on cities and even towns. Corporate members are able to view their data, track the changes and development of their data, and compare it with the industry and the competition.

Reports generated by the system contain information about outstanding balances, number of accounts, average score, credit risk/bank branch, and the number of firms on credit/bank branches.

As with other GeoMIS applications, the content of GeoMIS Corporate & Cheque is continually improved. In its first year, GeoMIS Corporate’s data set was expanded with the addition of information about cheques notified to KKB.

GeoMIS Combined

The newest member of the GeoMIS product family, GeoMIS Combined includes and maps information related to the credit limit/risk reported by banks and financial institutions as well as receivables to be liquidated by using the branch’s province and district address information.

The following information can be viewed on GeoMIS Combined

  • The number of records, branches, customers, and customers per branch on Unit Reports;
  • The risk amount in TRY terms, risk amount excluding rediscount and accrued interest, risk amount per customer, and risk amount per branch on Risk Reports;
  • Limits in TRY terms and limit occupancy ratios on Limit Reports;
  • Non-performing receivable ratios and delayed credit ratios on Ratio Reports.


The Loans Analysis Portal (LAP) is an interactive reporting system that allows data reporting on the portfolio of any kind of installment loan, overdraft account, and credit card products owned by natural persons; their payment performance; and comparison with the benchmarking group selected in the GeoMIS Personal application and with the sector as a whole. LAP’s primary advantages offered to users include:

  • Showing the changes in an institution’s loan portfolio on a monthly basis and over time.
  • Facilitating strategic decision-making by providing reports and information related to risk management, credit policies, marketing and campaign management, and collection practices.
  • Offering tailored data and content and ease-of-use via the Internet.

Using different parameters and filtering options on the reporting screens, the Loans Analysis Portal can produce about 175 million different reports on 2.5 billion lines of data. Thanks to its state-of-the-art infrastructure, LAP generates these reports amazingly fast.

KKB’s corporate members who are also Credit Reference System (CRS) users can perform the following analyses on LAP:

  • Analysis of newly opened accounts
  • Analysis of current portfolio, and
  • Risk analysis.

These three analyses are three core reporting themes available in the product.

The Credits Portfolio Analysis Service generates reports using data derived from the monthly notifications of CRS members. The system contains data pertaining to the past 13 months and report results are visually represented in diagrams.

The application enables to:

  • Track the current state and development over time of its own loan portfolio;
  • Compare data related to different portfolios, such as amount, volume, overdue payments, and collections, with competitors;
  • Use all this data to establish and test its risk management policies.

KAP (Public Disclosure Platform)’s reporting service was prepared as a separate portal for consumer finance companies. The companies were provided the opportunity to receive data from the PDP based on product and under the heading they prefer. In addition to the newly opened accounts analysis, current portfolio analysis, and risk analysis reports that they can already receive, consumer finance companies can prepare and use reports in three main products: vehicle loans, mortgage loans, and consumer loans.


The Cheque Analysis Portal is an interactive reporting environment that enables KKB members to compare their cheque numbers with the “benchmarking group” they will define, and the “sector in general.”

Through the reports prepared with the data obtained from the daily cheque notifications of the Cheque Analysis Portal, they can:

  • Compare the number of cheque customers using cheques for the first time with competitor institutions;
  • Have information about the ratios and trends of customers who issue bounced cheques in their customer portfolio;
  • Monitor the rates of the dishonored cheques which are subsequently paid, on a monthly basis with the Vintage analysis;
  • Measure the ratio of bounced cheques during the presentation, and how loyal cheque customers are, to their payments;
  • Have information about the ratio of up-to-date bounced cheques and on how much of the bounced cheques have been paid;
  • Compare the ratio of cheque customers who issued a cheque for the first time, and who issued a bounced cheque for the first time, with the sector in general as well as with a peer group defined by the institution itself;
  • Reach cheque index distribution of the cheque customers.


The address formatting infrastructure used in GeoMIS, the map-based reporting system launched in 2013, started to be made available as a standalone service in line with the needs of KKB members in 2014.

This application contains a control to update address information, such as street names, towns, and similar details by geocoding the customer address data with the bank, adding the geocode data to the address data, and accurately defining the newly added addresses into the system.

The Address Processing Service provides the following benefits:

  • Collective Processing of Customer Addresses: Existing bank customer address information can be formatted; changed information such as street name, town, and the like are updated and missing data completed; and geographic coordinates are added to the address data (geocoding).
  • Sharing the Up-to-date Address Database with Members: In order to ensure accurate data entry of new addresses, Turkey’s address database is uploaded into the member system and integrated with the address entry screens. KKB assigns coordinates to each address entered. KKB also provides a reverse geocoding service, the process of back coding of a point location (i.e. latitude, longitude) to a readable address or place name.
  • Mapping Service: Any specific data relating to a member can be mapped using a function run by KKB.


In 2013, KKB launched the Agricultural Loan Assessment System (TARDES), which contains a data sharing, system-ready infrastructure for banks and financial institutions seeking to extend loans to the agricultural industry.

TARDES provides an important platform and information service to financial institutions, enabling them to make systematic agricultural loan assessments based on accurate, up-to-date data, without the need for specialist teams.

TARDES offers KKB members the following benefits:

  • Reliable, up-to-date, and detailed cost tables created by expert staff;
  • Simultaneous evaluation of different production and/or cultivation by the same producer;
  • The ability to extend loans with different maturity dates depending on the types of production and agricultural products;
  • Evaluation of agricultural production by taking into account a producer’s non-agricultural income and expenses;
  • Inclusion of personal information as well as production and income-expense data of other persons or entities that may impact loan repayment in a single application;
  • The ability to offer a general credit limit taking into account a producer’s agricultural and non-agricultural, commercial, and personal activities and ability to repay;
  • Prevention of the extension of loans that exceed a producer’s need and ability to repay;
  • Evaluation of short-, medium- and long-term loans all-in-one;
  • Minimal IT and staff investment required by lending institutions;
  • Automatic data input from the Farmer Registry System included;
  • A flexible lending infrastructure tailored to financial institutions, enabling them to enter models and parameters into the system in line with their own credit policies;
  • The capability to send notification emails to users as the maturity date of a product, for which a limit has been proposed, approaches;
  • Time savings by blocking applications for products that do not qualify for a loan extension;
  • Evaluation of a producer’s loan requests for non-agricultural purposes through the personal loan category.

Thanks to this assessment system developed jointly by the Frankfurt School and KKB, cost, income, and maturity calculations have become much easier.

TARDES helps financial institutions save time and manpower by providing information compiled and evaluated by a professional, impartial, and expert team. It also enables financial institutions to establish a standard, product-based evaluation system internally. As a result, TARDES significantly contributes to the development of the agricultural industry.


The Farmer Registry System (FRS) requires all farmers to be registered in a central database in order to monitor, inspect, report, and inquire about agricultural supports, and to ensure evaluations are sound and accurate.

FRS is a combined system of systems, used to keep records of personal information and assets (e.g. agricultural land, livestock, inputs, and the like) of farmers actively engaged in agricultural activities, along with product design and average agricultural productivity. FRS enables the implementation, monitoring, and inspection of agricultural support programs; it is also used for the development of agricultural policies.

FRS Inquiry Screens enable those KKB members who do not use the TARDES loan module to inquire about FRS data, compiled by the General Directorate of Agricultural Reform and used to update, inspect, and monitor farmer-related data.


The Trade Registry Sharing System (TRSS) enables financial institutions to electronically monitor their customers’ up-to-date trade registry information amendments published in the Trade Registry Gazette.

Through TRSS, users can access amendments published in the Trade Registry Gazette on a daily basis using their preferred method. The application allows for both individual and multiple inquiries as well as the use of proactive notification methods.

The Multiple Inquiry option enables users to retrieve trade registry information about several customers at once. Users can either retrieve information about all types of announcements or select announcements in a specific category.

The Proactive Notification service sends members daily notifications about selected types of announcements concerning their customers in the Corporate Bureau and newly established firms. The related notification file is sent to the FTP address.

Institutions using the Proactive Notification service are now able to determine the daily notifications they want to receive by entering specified criteria into the system.


Fast, secure, and accurate money transfer via financial institutions is becoming increasingly important for customers in today’s fast-paced business world.

IBAN Validation Service minimizes any negative incidents related to money transfers thanks to the inquiry and confirmation options it offers.

KKB’s IBAN Inquiry feature enables customers to view masked data – such as name/surname, company name – about the real person or the legal entity that owns the IBAN, thus helping customers avoid incorrect money transfers.

KKB IBAN Confirmation feature is a verification service that can be used when the IBAN and IBAN owners’ Turkish ID/Tax numbers are known but identity verification cannot be performed. Users can check whether the match between the IBAN and Turkish ID/Tax number is correct by inquiring about it on KKB.

KKB’s IBAN Validation Service aims to:

  • Prevent money transfer mistakes,
  • Cut operational costs,
  • Reduce time costs,
  • Provide customers with a secure transaction platform, and
  • Increase customer satisfaction.


The Electronic Letter of Guarantee transfers traditional paper-based letters of guarantee issued by banks to the electronic environment while ensuring that all transactions made throughout the life cycle of an LoG can be executed electronically.

All transactions that can be made for letters of guarantee created in paper form can also be executed for the Electronic Letter of Guarantee.

System integration works between banks and intermediary institutions that are parties to the project went into a production environment on January 5, 2018. The first Electronic Letter of Guarantee was transferred between VakıfBank and Eximbank on October 4, 2018. All banks are working to complete their integration processes with this important project – which is a revolutionary step forward in the Turkish banking sector.

Real sector firms that are beneficiaries in an Electronic Letter of Guarantee transaction, can follow the status of their letters through Findeks. The status of the letter can be displayed and the stages of the processes between the payer and the bank can be monitored.

The Electronic Letter of Guarantee also provides many advantages in terms of both the beneficiary and the payer. The most prominent of these advantages are faster, safer transactions with minimal operational costs.

All the functions in the life cycle of the standard letter of guarantee – such as compensation claim, request for restitution/release, maturity update, expiry date, and status inquiry – are also available in the Electronic Letter of Guarantee.


The Letter of Guarantee Status Inquiry (LGSI) service enables customers who have obtained a letter of guarantee from a bank to check whether the letter of guarantee is still valid for the issuing bank. The service allows for inquires using parameters such as “bank name,” “branch name,” “row number,” “amount,” “currency” and “expiration date.”

Institutions using the LGSI service save time and cut operational costs by instantly inquiring about the validity of a letter of guarantee without the need to contact the issuing bank.

Thanks to the system, which allows the validity of a letter of guarantee to be checked instantly, fraud attempts can be prevented as well.

KKB member institutions and corporations can use the LGSI service, which mainly targets public entities and institutions that accept a large number of letters of guarantee, via web screens specially designed for this application. Users can make online inquiries using banks’ updated letters of guarantee databases, which are integrated with the system.

LGSI covers all letters of guarantee issued to enterprises based in Turkey. In this “online/real-time” application, data flow from/to the banks that issue letters of guarantee is achieved through web-based service integration.


Serving as a data-sharing platform since its foundation, KKB now enables the execution of the entire decision automation by means of cloud technology via KKB through the Central Decision Support Systems (CDSS), which began to be offered to the members in 2014.

CDSS is a decision automation system used by institutions that deliver every type of decision – including application management, risk/collection, credit monitoring, early warning services, and the like – related to the services provided by them to their customers, in a fast, efficient, and standardized manner. The most important downside to these systems, despite their many advantages, is that purchase, installation, and operational costs can be significant.

Delivering this service centrally, KKB aims to provide institutions with quick, low-cost access to these systems.

KKB enhances any information sent by a member when a decision is required, processes it through CDSS, and then sends the final decision to that member. This way, members can benefit from this state-of-the-art technology, which was designed to reduce installation costs and implementation time. Central Decision Support Systems (CDSS) are effectively used by both the real sector and the finance industry. CDSS can be used in several business areas, such as Application Management, Customer Management, Limit Management, and Collection Management, where decisions must be constantly updated and optimized to adapt to the rapidly changing business environment. CDSS features the following advantages:

  • Requires minimal IT resource since the technical infrastructure is provided by KKB;
  • Shortens integration processes to realize projects, thanks to the advantage of using an existing service;
  • Reduces costs with per-transaction pricing;
  • Enables business units to make decisions independently of the IT Department, thanks to the new generation Strategy Design Studio software;
  • Compiles and consolidates KKB data used in CDSS decision-making processes, which use KKB’s know-how and technology;
  • Conducts inquiries on all reports received from KKB through inquiry.


With this service, information about prescribed deposit accounts, participation funds, trust, and accounts receivable are collected from the banks that are members of the Banks Association of Turkey (TBB) and Participation Banks Association of Turkey (TKBB); consolidated; and published on a common platform (i.e. the website) for easy access by customers.

Prescribed Accounts information is published every year in early February and can be accessed by all financial services customers until June.


Serving the finance industry for the past 10 years, the False Information/Document/Declaration/Application Alert System (SABAS) enables members to share information about malicious attempts to use wrongful information and related risk factors under a defined scheme and to take necessary measures.

Thanks to the information sharing technique and platform, developed by KKB and setting SABAS apart from other similar systems used around the world, members are able to share facts, findings, and evidence related to crimes such as forgery, fraudulence, identity theft, money laundering, and the like.

SABAS is structured around five main objectives:

  • Protecting citizens and customers from risks and victimization by preventing use of their information, documents, possessions and property by others (e.g. identity thieves, money launderers, impostors, swindlers, and the like),
  • Informing KKB members about actual or potential risks arising from malicious attempts in order to protect them against such risks or reduce their loss or damage,
  • Enabling KKB members to exchange information under standards and rules that are free of personal comments, opinions or judgment,
  • Protecting KKB members from becoming victims of crimes, which may have more destructive consequences than that of the malicious attempts described under SABAS,
  • Enabling KKB members to minimize their risks, thanks to SABAS, while protecting natural persons and legal entities from becoming victims of such attempts.


Scammers can obtain customers’ online banking usernames and passwords and use this information to transfer money to their own accounts, which they usually open using counterfeit identity documents. This crime has become very common of late. Even though banks use highly advanced security systems to prevent such attempts, criminals continue to develop new methods to bypass these systems.

Developed by KKB, the Internet Frauds Alert System (IFAS) primarily aims to enable communication between member corporations regarding Internet frauds. To that end, requests to block an account in the case of money transfer scams can be transmitted via IFAS. This way, more effective communication can be established between corporations and all kinds of information regarding transactions can be stored in the data processing system.

Given that money transfers can become quite complex, an automatic graph-drawing feature was added to the system to facilitate the investigation of such incidents. This feature is used to create a flow diagram for each money transfer scam.

Another important feature of IFAS is that it can be integrated and operated in parallel with SABAS. Criminals generally use counterfeit documents to withdraw the stolen money. In online fraud, perpetrators generally open deposit accounts using false identification documents to withdraw the money they have transferred from customers’ bank accounts. Data pertaining to such accounts are shared within SABAS so the relevant departments of corporate members can access this information. Hence, information used previously for fraudulent purposes and detected by IFAS can never be used again.


The objective is to create a national database of loan application data provided by member institutions and offer protection to the entire industry.

The Fraud Attempt Detection and Prevention Service provides for a much safer operational environment when compared to anti-fraud controls undertaken by each institution separately. This project aims to minimize losses incurred by financial institutions as a result of application fraud.

The Fraud Attempt Detection and Prevention Service will run as a cloud-based application via KKB; system participation will be easy and low-cost for financial institutions.

Another great advantage is that institutions will share the licensing expenses. The system is being designed to process both exclusive and shared rules and data.

The new system, which is currently activated especially for lending institutions, is expected to expand and become a national information-sharing platform with the participation of different industries.


The Loan Utilization Instant Sharing Service (KAPS) is designed to prevent the obtainment of loans by a person from banks and financial institutions on the same day above his/her creditworthiness and to determine related fraud cases.

The service allows the institution to know if a customer has obtained any other loans within 48 hours at the time of extension of the loan. It enables prohibiting the person from receiving loans above their solvency while preventing a type of fraud commonly perpetrated in the market.


BRSA Product and Service Fees Portal provides financial consumers with information on any fees, commissions, and expenses charged for retail products and services by banks other than interest and profit share in a transparent, legible, and comparable manner.

All fees charged by banks to retail consumers are entered into the system in the same format, and data can be updated simultaneously in case of any changes to such fees. The portal enables users to review and compare banking product and service fees in a single format, regardless of the varying fees charged by banks.


Turkish ID Number - GSM Verification service aims to enable customers to make digital verifications in banking transactions.

These days, when the importance of digitalization has increased for the finance sector as for other sectors, this service is aimed at contributing to the sector. With this service, which is designed for ensuring security in financial transactions, it is possible to confirm the phone number shared by the bank customer if it is registered in the banking sector.

Thus, we can check whether a given phone number and Turkish ID number have been previously registered in any bank and whether they match or not.

Banks that wish to use the application can join the system with the web service integration and integrate it into their own systems.


KKB NOVA platform enables data obtained from scattered channels at different times to be collected systematically according to defined rules, categorized, analyzed to achieve targeted results, and interpreted.

It has been developed by KKB to establish a dynamic data collection platform and to collect, monitor, process, and analyze related data from a single platform.

Due to the following situations arising in current data collection systems, it is aimed to collect data dynamically on a single system.

  • Duplicate Data
  • Data Verification
  • Integration Deficiencies
  • Lost Data
  • Dependency on People
  • IT Dependency
  • High Costs
  • Manual Processes


The Agricultural Loan Score has been developed to predict to what extent people operating in the agricultural sector will be able to repay the loan they received/will receive. The Score measures the agricultural loan non-repayment risk within 12 months for real persons operating in the agricultural sector.

The Agricultural Loan Score service is available since December 1, 2020. For the first time in Turkey, an analytical model specific to the agricultural sector has been developed with nationwide sector data.


Fraud Net is fraud detection and risk management software package designed to provide protection against online frauds. Launched at the beginning of 2020, the application is actively used by three banks, as of 2020 year-end.

With its effective rule engine that can be configured by users in terms of risk points and thresholds and its device recognition feature, Fraud Net offers banks, e-commerce firms, and telecommunication companies a common device data pool for applications, account openings, and all online transactions, and provides the opportunity to create a fraud prevention platform.