PSM Magazine - April 2026

1. What solutions does your company offer in B2B payment systems and embedded finance? Which sectors do you serve?

As Architecht, we position financial technologies not as a product, but as an end-to-end platform capability. With Airapi, we bring financial services into platforms and realize embedded finance through “instant shopping finance.” With AppWys, we enable institutions to quickly implement their own mobile banking experiences with a low-code approach. We have four main focus areas: BOACard payment infrastructures (card, POS, SoftPOS), API & platform layer (open banking, BaaS), embedded finance, and the process layer with AppWys. We have a broad impact area across large retail, e-commerce, digital wallets, insurance, and the SME ecosystem. The common goal among the customers we serve is to position the bank where the customer is— invisibly yet powerfully. Finance is no longer a separate layer; it is the invisible infrastructure of the experience.

2. Can you share information about the transaction volume and number of customers reached by your B2B payment solutions?

Today, we serve more than 60 corporate customers and over 10 million end users. We manage an infrastructure operating at the scale of millions of financial services per day, millions of cards, and hundreds of thousands of POS devices. By transitioning from legacy structures to our fully self-developed, API-based BOACard platform, we analyzed our old system—whose source code was unavailable—and virtually rebuilt it from scratch. We successfully carried out a transformation that is rare even on a global scale by migrating more than 7 million cards, over 350 thousand POS devices, and billions of transactions to our new platform without interruption. Our Airapi product is used by banks, insurance companies, and payment institutions for billions of transactions through hundreds of APIs. PowerFactor, on the other hand, provides secure transaction capability to 10 million users across 30 mobile applications. We do not just manage volume; we design highly scalable financial platform ecosystems in Türkiye and globally.

3. What are the most needed areas in inter-business payment systems?

Businesses now demand speed, intelligent systems, and trust. T+1 processes are being replaced by instant collections and real-time cash management. Plug-and-play financial structures integrated with ERP and all commercial systems have become the standard. Secondly, payment systems are evolving with intelligent structures. They are being strengthened not only to execute transactions, but also to manage risk and anticipate credit needs through AI-supported decision support mechanisms. The third area is security. Business needs such as multi-signature, limit management, and hierarchical approval processes must be supported with flexible and secure solutions. Payment systems are no longer an operational tool; they are a direct competitive advantage.

4. What role does artificial intelligence play in the financial solutions you offer?

Artificial intelligence is not a trend or a showcase for us; it is a core capability. Our vision is clear: “To be the most reliable business partner leading the AI transformation in financial technology.” In our products, we position artificial intelligence across security, efficiency, and experience. In fraud prevention, we minimize risk through real-time analysis of transactions. We automate manual processes and equip systems with predictive capabilities through decision support, moving them beyond being reactive. Most importantly, in customer experience, we make finance conversational by implementing dialog banking through chatbots and analytical models. In this way, we not only accelerate financial systems but also transform them into structures that make more accurate decisions. Systems no longer just execute transactions; they understand context and make decisions.

5. How do you evaluate the approach of banks and companies toward open banking and embedded finance?

The paradigm has already shifted; banks now go to where the customer is. While the model is platform-oriented in the US, bank-led in Europe, and built around super-apps in Asia, Türkiye sits at the intersection of all these and has very high potential. The transformation has accelerated with TCMB and BKM regulations. Companies see embedded finance as a highly strategic power for new revenue models. As Architecht, we bring companies’ financial products together within the same ecosystem through open banking infrastructures. It will no longer be enough to offer APIs; building ecosystems will be a serious advantage.

6. What steps do you think need to be taken in the ecosystem for the growth of the B2B payment systems market?

Standardization, security, digitalization, and artificial intelligence are critical. First, the framework must be clarified through API standardization and regulations. In addition, SMEs’ digital transformation should be supported and a security culture should be adopted. MFA, biometrics, and end-to-end encryption are now indispensable. At the same time, artificial intelligence and data analytics should become more widespread. However, the most critical issue is ecosystem collaboration. Banks, fintechs, and technology companies must produce together. As Architecht, we are leading these steps with BOACard, Airapi, PowerFactor, VirtualPOS, and SoftPOS.

7. What kind of transformation do you expect in inter-business payment systems in the coming period?

We are entering an era of integrated and intelligent finance. Payments will no longer be a separate step; they will be embedded into the processes of structures such as ERP and e-commerce. Artificial intelligence will manage cash flow, automatically optimize maturities, and decide on opportunities such as early payment. Tokenization and instant payment systems will radically accelerate international transactions in particular. Banks will evolve into structures that offer platforms rather than products. The winners will be those who deliver finance in the most seamless, fastest, and smartest way. Payment will not be a transaction; it will be an invisible, intelligent, and continuous experience.