BKM is the ACH for Turkey

1. Bankalararası Kart Merkezi
(BKM)

2. 1- Turkey Country Profile & Payment Systems
2- Company Information
Agenda
2

3. TURKEY
3
17 Ranks 17th Largest
Economy in the World
Member of
OECD & G20
76 M
50% of population < 30 yrs
Internet users : 35 million
accounts : 36 million 
49 Banks
20%smart phone
penetration

4. Card Payment Sector
4
Debit Card Credit Card POS Terminals
57 million 2,3 million101 million
2nd in Europe 1st in Europe

5. 1- Turkey Country Profile & Payment Systems
2- Company Information
Agenda
5

6.  Established in 1990
 Owned by 10 banks
 Payment services provider to all Turkish Issuers & Acquirers (28 Banks)
BKM: A trusted party for Turkish banks
6

7. BKM: Common Platform Of Banks & All Parties
SERVICES AND ACTIVITIES
• Domestic Clearing & Settlement
• Message Switching System
• Switch Fee Billing
• Monthly Member Statistics
• Central Merchant Database
• Training Services
• Market Development & Strategies
• BKM Online & BKM Data warehouse
• Data warehouse for Merchant
Related Fraud
 Today every 1 of 2 payment transactions in Turkey passes through BKM
7

8. BKM: Collobrative Payment Systems Innovation
Platform
8

9. Contactless Card Usage Is Increasing Its Foothold
9Source: BKM
2006
First Contactless
Card
2007
Closed System
Public Transport
First EMV
Card
2008
First NFC
Platform
2009
Contactless
Prepaid
2012 2013
Open System
Public Transport
VISA & MC
Certification
for NFC
Contactless cards : 18 Mn
Contactless terminals : 88 K
15 issuer & acquirer banks

10. 10
Wide range of secure element forms trialed
20092008 2010 2011
Nokia 6212
Embedded
Sagem SIM
Based
SIM
Based iCarte
NFC SIM with
antenna MicroSD
Pilot Launch
Legend
2012

11. E-commerce Transaction Volume (Bn TL)
19
25
35
13
0%
1000%
2000%
3000%
4000%
5000%
2011 2012 2013 2014-T
> 40 Billion
Great potential
for e-commerce
transactions
11

12. 12
The National Digital Wallet Journey
2011 2012 2013 2014
Project Kick Off
Pilot
Soft Launch
9
5
Mobile App
12
150
Mobile Launch
National
Campaign

13. 13
BKM Express
13
650 merchants
BKM Express merchants’ share in
e-commerce %40
>300.000 members
380.000 transaction #
15banks’
debit & credit cards
are valid on
transactions

14. BKM Express
Web - Payment
14

15. BKM Express
Mobile - Payment
15

16. BKM Express
Mobile – Money Transfer
16

17. BKM Express : What Is Next?
17
F2F Transactions
Cross Country Transactions
17

18. Thank You