BOA Card Payment Solution

BOA Card is an end-to-end card management system that provides issuing, acquiring, processing and reporting platform to manage your credit, debit and POS programs. It is EMV compliant and multilingual, providing full service processing capabilities through one simple solution.

  • With BOA Card, debit cards, credit cards, virtual cards and all card based payment systems can easily be managed and new card products can quickly be introduced.
  • Physical/virtual POS and terminal operations can be carried out effectively in addition to extensive member management operations. Thus a complete product portfolio can be offered for your payment systems.

Together with Architecht's core banking experience, BOA Card provides high-tech payment solution as one of the newest and up-to-date card package products on the market.The solution provides API based, secure and stable system for all processing needs, increases service quality, improves transaction management, predicts risk, and drives profitability. It supports schemes such as Visa, Mastercard and BKM Troy approved by national and international authorities.

BOA Card has a modular structure. Depending on customer needs, the desired modules can be included or excluded from the solution. Moreover, a wide feature set can be offered including Fraud Management, Campaign Management, Security, Risk Control, Loyalty Programs and Customization interfaces for payment systems.

End-to-end integrations have been completed with all system stakeholders, from card issuance to courier distribution, from secure key devices to field POS companies. It offers a strong, robust and reliable infrastructure that is actively used in the field and can provide turnkey service with real metrics.

soFAST Platform

The soFAST Platform, developed by Architecht with its experience in the banking field, offers all the technological infrastructure needed by institutions that want to provide services in the area of payment systems on a single end-to-end platform.

The Platform, which allows the functions required for FAST, defined within the framework of the Central Bank of the Republic of Türkiye’'s regulation, to operate on a single platform, has been specially prepared for Payment and Electronic Money Institutions. Through the Platform, users can pay for the services or products they receive and transfer money between their accounts at different financial institutions 24/7 quickly, easily and instantly.

The soFAST Platform includes transactions such as branches, internet and mobile transfer, QR code payment, KOLAS (accessible address) support, and secure payment. The Platform enables instant and continuous transfer of funds securely. It is constantly updated according to the needs of the sector and customers as a definition-based private payment system consisting of essential components such as customer management, account management, limit management, accounting, information management, commission management, document and authorization management, instant notification of transaction results to the parties, API support, receipt and fraud infrastructure, integrated workflow system and many sub-components.

soFAST Platform is actively used by many institutions serving in the finance sector.

Digital Banking Platform

Digital Banking Platform is an easily scalable software package with a modular architecture that allows the functions required for Digital Banking and Service Model Banking (BaaS), defined within the Banking Regulation and Supervision Agency (BRSA) framework, to work on a single platform.

Architecht's Digital Banking Platform ensures that customer acquisition through digital channels and financial transactions required by customers are carried out quickly with established processes and advanced user experience accumulation. It makes it easier for digital banks to start operating comply with current legal regulations with its proven success in banking. The core banking, loans, treasury, financial control, accounting, digital channels, institution integrations, receivables management are the main modules in the platform. While the modular structure of the platform allows flexibility in expanding digital banking services, it includes modules for providing BaaS solutions with API sharing.

It is now much easier to provide digital banking and service model banking services (BaaS) with Architecht's Digital Banking Platform, including 30 years of financial technology experience and constantly updating itself.

BOA Banking and Technology Platform

An end-to-end core banking platform allows all functions required by banks to operate on a single platform. BOA is actively used in Kuveyt Türk Bank, Emlak Katılım Bank, Vakıf Katılım Bank, Destek Bank, Golden Global Bank, Turkcell Finansman, TOM Digital Company and KT Bank AG in Germany. BOA core banking platform offers a variety of modules that allow a bank to perform many banking functions. These modules are the core banking, loans, treasury, foreign trade, international banking, payment systems, CRM (Customer Relationship Management), campaign management, financial control, accounting, digital channels ATM (Automatic Teller Machine), XTM (External Transfer Money), call center, telephone banking, institution integrations, collections management, human resources, administrative services, purchasing management and mobile sales automation. BOA also offers budget management and artificial intelligence modules. It continues to provide 10,000 screens, more than 1,500 business intelligence reports and more than 1,200 business processes and more than 10 business channels.

All of its infrastructure modules are definition-based. It is simple to develop additional modules or update existing modules in BOA. The software has been developed by considering the best practices of PMI, Agile, COBIT, ITIL, Owasp, VISA and similar international standards, worldwide experience and international security criteria. The modular structure enables simple installation. In addition, BOA's operating costs are low compared to other solutions.

Investment Banking Platform

Architecht's Investment Banking Platform offers institutions that want to serve in this field all the technological infrastructure they need from end to end. This definition-based private banking software, consisting of essential components such as finance, treasury, foreign trade, accounting, customer management, receivables management, international banking, and many sub-components, is updated regularly according to market needs. Investment Banking Platform's features, including the Integrated Workflow System, which provides transaction management capability, and the Document Management System components, which provide practical and straightforward tracking of documents, make it a preferred choice among banks in Turkey.

Consumer Finance System

It is a fully functional consumer financing solution built on top of BOA Banking And Technology Platform in order to solve system needs for financing companies.

Along with platform infrastructure, modules like Customer Management, Loan Scoring, Allotment and Utilization, Receivables Management, Legal Tracking, Accounting, Reporting, Integrations, Notifications, Commission and Expense Management, Business Process Management, Document Management, Information Management enable required end-to-end functionality for consumer financing.

Supplier Financing System

Thanks to modules offered with the Supplier Finance System infrastructure such as Customer Management, Credit Scoring, Allocation and Disbursement, Receivables Management, Legal Tracking, Accounting, Reporting, Integrations, Notifications, Commission and Expense Management, Business Process Management, Document Management, Information Management, the functionality required for supplier financing is provided end to end. Architecht Supplier Financing System, which solves the financing needs of suppliers and buyers with its high technology infrastructure; Thanks to its flexible integration capabilities, it can be integrated into any core banking system.


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.


It is a PSD2 compatible API gateway solution and an integrated API management platform that enables banks and various financial institutions to share their APIs to all users in a secure and manageable way through a single platform. With Airapi, all operations needed by different roles in API Development Lifecycle processes such as; API development, testing, production, authentication, authorization, API traffic control, monitoring and reporting can be performed. In addition to the Open Banking, Airapi covers API features for Banking as a Service (BaaS) business model as well.


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 Türkiye, exported to foreign countries, as well.

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