Presentation from BKM, Turkey

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BKM is the ACH for Turkey

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Presentation from BKM, Turkey

  1. 1. Bankalararası Kart Merkezi (BKM)
  2. 2. 1- Turkey Country Profile & Payment Systems 2- Company Information Agenda 2
  3. 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. 4. Card Payment Sector 4 Debit Card Credit Card POS Terminals 57 million 2,3 million101 million 2nd in Europe 1st in Europe
  5. 5. 1- Turkey Country Profile & Payment Systems 2- Company Information Agenda 5
  6. 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. 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. 8. BKM: Collobrative Payment Systems Innovation Platform 8
  9. 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. 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. 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. 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. 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. 14. BKM Express Web - Payment 14
  15. 15. BKM Express Mobile - Payment 15
  16. 16. BKM Express Mobile – Money Transfer 16
  17. 17. BKM Express : What Is Next? 17 F2F Transactions Cross Country Transactions 17
  18. 18. Thank You

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