Firsts and Innovations
-- Introduced child’s coin bank to Turkish society to trigger and
generate a mainstream trend towards saving.
-- The first use of checks as a convenient way to make regular
payments
-- The launch of electronic banking in Turkey, with the
introduction of Turkey’s first ATMs
-- The first Turkish bank to open branches in T.R.N.C. and Europe
-- The first investment account service in the Turkish financial
services industry
-- Launched Turkey’s first mutual fund.
-- The first trading services of investment securities at a bank in
Turkey
-- Initiated the first interactive telephone banking service.
-- The first online branch
-- The first WAP mobile banking service
-- First application-based native mobile banking service (İşCep)
for customers
-- The first term deposit product for customers in Turkey,
“Floating Account” whose yields are indexed to the TRLIBOR
market
-- Turkey’s first social responsibility-focused mutual
fund, “Environmentally Responsible Fund,” investing in
environmentally friendly companies
-- “Environmentally-Friendly Home Loan”, a retail credit
product launched to support the growth and development of
environment-friendly technologies in the housing industry
-- Mobile signature, enabling customers to pay off loans without
having to go to a branch and to withdraw cash without using a
bank or credit card
-- A multi-touch featured application, “Getiri Sihirbazı” (“Return
Comparison Wizard”) that enables customers to compare
yields on financial products
-- “İş’te Yatırım iPhone,” an iPhone application that allows users
to monitor Borsa İstanbul information in real time
-- A Video Telephone Banking application that makes use of
third-generation (3G) mobile telephone technology
-- “Mobile Key (Cep Anahtar),” a mobile phone application that
strengthens the transaction security of online branch and
mobile banking channels and also enables cash withdrawals
from İşbank ATMs without the need of a card
-- The World’s first Bio-ID POS using fingervein-ID to
authenticate a user’s identity
-- An interactive messaging system that transforms POS
terminals into two-way communication channels
-- “Üstü Kalsın” (“Keep the Change”), an innovative application
that contributes to saving by rounding up outstanding credit
card debt balances to a specified limit, and uses the difference
to purchase mutual fund shares
-- “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 exchange rate rises;
“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 interest rate movements; Chinese
Yuan credit and loans for customers who conduct business
with China
-- “Benim Bankamatik’im” (“My ATM”), an innovative application
that revolutionizes ATM use in Turkey by allowing users to
customize their own screens
-- “Temassız Kartla Para Çekme” (“Money Withdrawal by
Contactless Card”), a contactless card application that makes it
possible for users to withdraw cash with a single keypress
-- Unprecedented in Turkey, a specialized branch was opened,
which was designed in a totally different and special structure
to offer service exclusively to multinational companies.
-- The “Parakod” application that employs the QR code
technology allows İşbank customers to use their mobile
phones to buy any product or service either online without
entering any card data or from the stores without having to
carry their credit cards along.
-- İşbank was the first privately owned bank to introduce the 2B
Loan.
-- “Karşılıklı Çek” (“Certified Cheque”), a first in the industry that
aims to reinstate cheques as a reliable payment instrument
-- In addition to QR coding technology, the new “Şipşak” product
enabled instantaneous shopping through newspapers,
magazines, advertising posters and catalogues by using the
QR coding system.
-- By adding Müze Kart “Museum Card” exclusivity to credit cards,
the Bank enabled free entry to museums and historical places
which are connected to the Ministry of Culture and Tourism for
one month each year.
-- Intel Verification Technology was provided for the use of
customers, which enables secure access to the internet
without the need of one-time password use.
İşbank pioneered the sector to meet the banking
and financial needs of individuals and companies
by introducing numerous firsts throughout its
89 years corporate history.
Introduction
9
İşbank
Annual Report 2013
