Payment Systems Management

Payment Systems Management activities are carried out in line with the objectives of expanding domestic and national payment infrastructures, enhancing customer experience in card based and digital payments, and strengthening transaction security. In this context, in 2025, significant infrastructure and transition efforts were undertaken to promote the widespread adoption of the TROY card scheme across the Bank.

TROY Card Infrastructure and Expansion of Card Based Payments

Within the scope of the domestic and national card scheme, the Bulk TROY Renewal Project was implemented, and the card infrastructure was gradually migrated to the TROY scheme. In this context, debit cards for pension customers were issued collectively under the TROY card scheme.

Through these bulk transitions, customers were able to adopt TROY cards without any disruption to their daily spending habits, thereby shortening the adoption period. This implementation had a direct impact on card payment volumes, leading to an increase in the number of transactions. As part of the expansion of the TROY scheme, acceptance rates across POS and ATM networks were increased, and technical compliance efforts to support the use of domestic cards were completed.

In order to promote card based payment habits, the Credit Card Institutional Collections Project was implemented. Within the scope of this project, institutional payments can be made via credit cards through branches, aiming to increase the use of cards for bill and similar payments and to support regular and traceable payment behaviors.

System Enhancements in POS and Payment Infrastructure

In 2025, various system enhancements were implemented in the POS infrastructure and payment systems architecture to increase transaction speed and ensure uninterrupted service in card based payments. Transaction decline reasons were analyzed, and improvements were made to address card and POS related errors, resulting in higher transaction success rates. In addition, through the Debit Card ATM Withdrawal Limit Update Project, transactions that were previously interrupted due to insufficient limits were prevented, enabling withdrawal processes to be completed smoothly.

With the improvements made to card transaction notifications, screens and user flows across digital channels were simplified,

Allowing customers to follow their transaction processes more clearly and through a more user friendly interface.

Mobile and Contactless Payment Technologies

In 2025, additional enhancements were implemented in Digital Wallets and TR QR Code solutions as part of efforts to expand mobile payment systems and contactless payment technologies. Within this scope, the following projects were introduced:

• Cash Deposit via ON US ATM QR
• Payment via TR QR Code through Digital Wallets

Through these applications, the need for carrying physical cards has been reduced, payment processes have been accelerated, and the user experience has been enhanced in terms of security and convenience. The TR QR Code solution, with its ease of use beyond traditional payment methods, significantly shortens payment times while also supporting the Central Bank of the Republic of Türkiye's objective of promoting a less cash dependent society.

Data Analytics and Campaign Management

In 2025, data analytics applications were enhanced to monitor customer behavior and improve service quality through the analysis of payment systems data. Payment system data was analyzed using queries on SQL Server, while card and POS customer data were evaluated in terms of volume and efficiency through the Power BI business intelligence application. In order to accelerate progress in campaign processes and payment systems data analysis, standardized analysis templates were developed.

Commercial Credit Cards and Customer Access

Within the scope of commercial credit card products, system enhancements were implemented in 2025 to enable more effective monitoring of legal follow up processes. In addition, developments were completed to allow applications for primary and supplementary commercial credit cards via the mobile application and Internet Branch, with these functionalities planned to be launched in 2026. These efforts aim to simplify application processes for commercial customers and enhance customer access.

As of 2025, the number of commercial credit cards increased by 103% compared to the previous year.

Security in Card and Digital Payments

As of 2025, multi layered control mechanisms have been implemented on both card and merchant levels to ensure security in card and digital payments. In this context, real time transaction monitoring, risk based authentication, suspicious transaction prevention, and limit and geographic restrictions are actively applied. On the card side, spending behavior, transaction frequency, amount, and location data are analyzed, while on the merchant side, sector, transaction volume, and historical fraud rates are taken into account.

These controls are managed through an internally developed rule based fraud monitoring tool operating in both online and offline environments. Through real time rules, transactions are evaluated instantly, and high risk card or merchant transactions can be blocked immediately. Offline rules and analyses enable batch evaluations based on transaction history, allowing early identification of potential risks. Suspicious transactions can be automatically stopped in accordance with defined risk rules, and temporary or permanent restrictions can be applied to the relevant card or merchant.

In addition, card and merchant based limits, as well as country and region based geographic restrictions, are implemented, while security processes are regularly monitored through daily, weekly, and monthly reports. In line with regulatory notifications from national and international payment systems such as Mastercard, Visa, and BKM, additional control mechanisms are also activated. By integrating up to date fraud scenarios from these regulations into internal fraud rules, the level of security on both card and merchant sides is continuously enhanced.

Payment Systems Transformation Project

Within the scope of Payment Systems Management, the Payment Systems Transformation Project was continued in 2025 with the objectives of increasing market share and ensuring sustainable customer loyalty. In this context, projects such as BKM Tech POS infrastructure enhancements, foreign currency statement functionality, and institutional collections via credit cards were implemented, while new cash register POS models were added to the product portfolio.

In order to strengthen customer experience and increase the awareness of Bankkart products among customers, the 'Card Campaigns' page featuring campaigns related to these products was launched on the corporate website. Customer loyalty was further supported through personalized discount campaigns.

In 2026, the Bank aims to continue developing customer centric products and applications with strong value propositions.