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Convenience of instant transactions regardless of time and place with Contactless Banking

Boosting Efficiency through the Mobille Bitir System for Digital Sign-off

The Mobille Bitir System has been crafted to ensure that approvals traditionally acquired via wet signatures on paper can be efficiently secured, protected, and swiftly retrieved in a digital format. This system enables the digital acquisition and storage of all approvals, offering cost-effective solutions in comparison to traditional hardcopy approvals.

Addressing the Challenges of Digitizing Approval Processes in Banking Transactions

Banks and financial institutions are required to adhere to certain legal procedures in even their most basic transactions. A fundamental procedure involves obtaining customer approval with a wet signature for product and order transactions. This authorization typically necessitates either contact from a bank employee or a branch visit by the customer. Furthermore, for even the simplest transactions, extensive contracts need to be signed.

Technical challenges encountered in the project included developing a display that can dynamically operate for a variety of products, creating an infrastructure compatible with different contract types, and ensuring prompt notifications are sent to the customer’s mobile application as soon as a product or order is logged. Additionally, when new products are added to the Mobille Bitir infrastructure, they require seamless integration with minimal adjustments.

Optimising Digital Approvals with Dynamic Integration in Mobile Banking

Integrations were executed for two distinct approval flows accessible via the mobile applications. A dynamic framework was developed in collaboration with the sales team for product launches and sales, and with the process team for order approvals. This setup enabled the acquisition of digital approvals by showcasing information from pertinent expert teams on the mobile platform. The teams are required to supply data to the mobile services in alignment with this dynamic framework for seamless flow progression.
A versatile application front-end was designed to facilitate the effortless incorporation of new products and orders into the system, adhering to predefined rule sets and supporting all versions. No additional modifications were needed on the mobile channel’s front end to introduce a new application. Simultaneously, employing a uniform interface for all approvals has proven beneficial for user experience.

Significant Achievements from Dynamic Digital Integration in Banking

Customers gained the ability to execute transactions effortlessly, free from the constraints of time and location. Banking expenses were decreased, along with the operational costs for bank staff. Throughout the Covid pandemic, banking operations maintained their pace and, in some cases, increased in speed. Customers could conveniently access any contracts they digitally approved. Swift action was facilitated through an easily managed workflow. Rapid adaptation to new approvals was enabled by dynamic integration. The dynamic framework significantly reduced development costs and eliminated version limitations.


About Akbank

Akbank, established in Adana in January 1948 to support local cotton producers, expanded swiftly after moving its headquarters to Istanbul in 1954. By 1963, it had automated its banking operations and grown its branch network significantly. The bank started trading on international markets in 1990 and as an American Depository Receipt (ADR) in 1998, following its secondary public offering.

Key milestones include the establishment of AKSecurities (1996), AKInvestment Trust (1998), AKAssetManagement and Private Banking Department (2000), and Ak Pension Company (2003), along with the acquisition of AKLease (2005). Ak Pension Company was later sold to Ak Insurance in 2006.

Akbank operates internationally with subsidiaries in Germany, the Netherlands, Dubai, and a branch in Malta. Currently, it is consolidating its German and Dutch subsidiaries under Akbank AG. Akbank offers a broad spectrum of banking services including consumer, commercial, SME, corporate and private banking, and foreign trade financing.


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