It is a Multi Factor Authentication (MFA) solution that can work with SaaS and on-premise models for mobile and web applications and increases security capabilities. Financial institutions find the opportunity to authenticate their end customers through multiple channels while they log into mobile or web applications. PowerFactor, which can be easily managed with a separate management panel, currently provides application login security for 2 million banking and finance customers.

We develop cloud-based security, AI based credit limit estimation and open banking products with the software as a service (SaaS) model.


ApiGo is a product that enables banks and fintechs to offer all their APIs on a single platform, complies with PSD2 (Payment Service Directive 2) and Berlin Group Standards, and enables open banking management portal. With ApiGo API Gateway, new fintechs are integrated into banks and financial institutions.


It is a fintech platform that provides credit scoring, limit allocation advice and credit analytics by automating complex and manual financial analysis processes with artificial intelligence and machine learning.


It is the core, end to end banking platform that allows the entire banking system to operate on a single platform. It covers all channels such as business process management, transaction-oriented document management system, human resources, ERP, reporting and mobile banking and IVR. This integrated system, which provides IT operation and investment cost advantages, offers a serious advantage especially in terms of new product development.


BOA is a software banking product that is approved by Turkey Banking Regulation and Supervision Agency (BDDK) and Germany Supervision Authority (BaFin). Currently, it is used in Kuveyt Türk, Emlak Katılım, Vakıf Katılım and Golden Global Banks and Turkcell Financing Company in Turkey and KT Bank AG in Germany.

The financial technology products we have developed for more than 10 years are used in 60 financial entities in 20 countries.

P2P Lending

The P2P platform, which enables higher-return investments by eliminating financial institutions as intermediaries, provides funds transfer through online platforms without third parties. In this type of intermediary, banks are disabled and two parties with excess funds and fund deficits come together on the platform. With the elimination of intermediary of financial institutions, creditors may have the opportunity to choose their loanee or they can determine the profit rate they want, depending on the type of risk they will undertake.


Those in need of funds have the opportunity to choose the most suitable one from the entry prices, while at the same time providing funds at a lower cost. Those with fund surplus can earn higher returns than they would get in classical banking. Architecht provides fast and reliable fund transfer by eliminating financial institutions as intermediaries with its P2P Lending platform.


XTM is an video teller machine operating branch where banking transactions can be performed easily by connecting to the call center via video conference method. It is as practical as an ATM and as rich as a branch with its high security interactive special digital device. In addition, XTM has English, Arabic and Sign Language options. XTM is located in 20 different locations in Turkey, exported to foreign countries, as well.

We develop solutions suitable for the new world with our unmanned ATM model XTM and payment methods.