9
Introduction
İşbank;
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Developed and introduced the “Money Box”
account to Turkey to foster a culture of
savings;
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Introduced the first use of cheques as a
convenient means of carrying out regular
payments;
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Launched electronic banking in Turkey, with
the introduction of the country’s first ATMs:
Bankamatik;
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Became the first Turkish bank to open
branches in Europe and T.R.N.C.;
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Rolled out the first investment account
service in the Turkish financial services
industry;
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Launched Turkey’s first mutual fund;
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Became Turkey’s first bank to introduce
trading services of investment securities;
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Initiated the first interactive telephone
banking service;
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Opened the first online branch;
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Introduced the first WAP mobile banking
service;
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Developed and rolled out the first
application-based native mobile banking
service (İşCep) for customers;
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Offered the first term deposit product for
customers in Turkey, “Floating Account,”
whose yields are indexed to the TRLIBOR
market;
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Turkey’s first social responsibility-focused
mutual fund, “TEMA Environment Fund,”
investing in environmentally friendly
companies
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Launched the “Environmentally Friendly
Housing Loan” product to support the
development of environmentally friendly
technologies in the housing sector;
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Introduced Mobile Signature, enabling
customers to pay off loans without having
to visit a branch and to withdraw cash,
without using a debit or credit card;
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Developed and rolled out a multi-touch
feature application, “Getiri Sihirbazı
(Return Comparison Wizard),” that enables
customers to compare yields on financial
products;
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Developed and launched “İş’te Yatırım
iPhone,” an iPhone application that allows
users to monitor Borsa İstanbul data in real
time;
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Developed and introduced “Mobile Key (Cep
Anahtar),” a mobile phone application that
strengthens the transaction security of the
online branch and mobile banking channels,
and also enables cash withdrawals from
Bankamatik (ATMs) without the need for a
card;
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Developed and launched the World’s
first Bio-ID POS using fingervein-ID to
authenticate a user’s identity;
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Developed and deployed an interactive
messaging system that transforms POS
terminals into two-way communication
channels;
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Developed “Üstü Kalsın (Keep the Change)”
an innovative application, and a first in
Turkey, that helps customers grow their
savings by rounding up outstanding credit
card debt balances to a specified limit, and
uses the difference to purchase mutual
fund shares;
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Developed the “Kur Korumalı (Opsiyonlu)
Döviz Kredisi (Exchange Rate Protected
Foreign Currency Loan with Option),” a
foreign currency loan with a guaranteed
exchange rate option that protects the
borrower against excessive increases in
the exchange rate; “Sabit Faizli Rotatif
(BCH) Kredi (Fixed Rate Revolving Loan),” a
fixed-interest-rate revolving line of credit
for those who do not want to be affected by
fluctuating interest rates; and Chinese Yuan
credit and loans for customers who conduct
business with China;
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Introduced the “Temassız Kartla Para Çekme
(Money Withdrawal by Contactless Card),”
a contactless card application that enables
users to withdraw cash with a single key
press;
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Designed and opened a specialized branch
with a completely different and unique
structure to deliver services exclusively to
companies backed by foreign capital, which
is an unprecedented service offering in
Turkey;
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Developed and launched the “Parakod”
application that employs QR code
technology to allow İşbank customers to
use their mobile phones to purchase any
product or service either online without
entering any card data, or from retail stores
without using a credit card;
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Became the first privately-owned bank in
Turkey to introduce the 2B Loan;
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Developed and rolled out the “Karşılıklı Çek
(Guaranteed Cheque),” a first in the industry
that aims to reinstate payment by cheque
as a reliable payment instrument;
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Launched the “Şipşak” product that allows
customers to carry out instant shopping
by scanning a QR code in print media, such
as newspapers, magazines, banners or
catalogues;
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Added the “Müzekart (Museum Card)”
feature to credit cards, providing customers
the opportunity to visit museums or
archeological sites -which are operated by
the Ministry of Culture and Tourism of the
Republic of Turkey- free of charge for one
month every year,
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Provided customers with Intel Identity
Protection Technology, which enables users
to login to İşCep securely, removing the
need for obtaining a one-time password;
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Introduced Touch-ID technology, which
enables customers to login to İşCep without
having to enter a customer password, a first
in Turkey;
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Provided customers, for the first time
ever, with a special banking application
integrated into Microsoft’s new generation
entertainment platform, Xbox One;
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Introduced the “İşCepMatik”, which is a new
generation ATM device designed for its
customers, allowing them to withdraw cash
through Bluetooth or QR code technologies
without having to carry an ATM card or
entering a passcode;
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Became the first bank working online
in Turkey that has been integrated into
the invoice registry center with the
“Supplier Financing” application that allows
customers to use invoice amounts before
their terms by discounting.
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Provided its customers the opportunity
to merge their Facebook and/or Twitter
accounts with their banking customer
accounts with its social media application
“Fırsatla”. This option makes it easier
for them to take advantage of İşbank’s
special campaigns and promotions via their
Facebook and/or Twitter accounts.
Firsts and Innovations
Putting leadership and innovativeness in the
center of its corporate culture and core operating
philosophy İşbank continued to be a trendsetter
in the Turkish banking sector in 2015.
