Fintech MVP
$10-27K
Duration: 8-14 weeks
- ✓Basic payment infrastructure
- ✓Digital wallet
- ✓KYC integration
- ✓Admin panel
Fintech sector
Fintech software: payment + open banking + BDDK compliance
Payment infrastructure, digital wallet, open banking integration, and regulatory compliance software for payment institutions, e-money issuers, and fintech startups.
Quick answer
Fintech software in 2026 includes licensed payment/e-money infrastructure + open banking (BKM, TCMB API) + digital wallet + KYC/AML automation + BDDK/MASAK compliance module. Startup MVP: $10-27K. Licensed payment infrastructure: $35-170K. 8-24 weeks.
~$500M+
Turkey fintech investment (2025)
50+
BDDK-licensed payment institutions
10M+ transactions/day
FAST instant payment volume (2026)
+35%/year
Digital wallet user growth
Sector's digital pain points
Before building solutions, we make the problems we solve explicit.
BDDK licensing and compliance complexity
Technical infrastructure requirements for payment/e-money institution license (security, logging, audit) are complex. Wrong architecture can lead to rejected applications.
Manual KYC/AML processes
Customer identity verification (KYC) and anti-money laundering (AML) processes are manual — slow and risky for MASAK penalties.
Open banking integration
Integration with TCMB and BKM infrastructure is technically and procedurally difficult; bank APIs are non-standard, each bank differs.
Scalable payment infrastructure
MVP infrastructure that works at first slows down at thousands of transactions. High reliability + low latency are critical for fintech.
What's in the software?
12+ sector-specific features bundled across pricing tiers.
→Payment infrastructure
FAST/SWIFT integration, multi-currency, payment routing
→Digital wallet
User balance, money transfer, top-up/withdrawal
→Open banking
BKM Connect, TCMB FAST API, bank PSD2/OpenAPI
→KYC/AML automation
Identity verification (video KYC), blacklist screening, risk scoring
→BDDK/MASAK compliance module
Audit log, reporting, suspicious transaction reporting
→Installment / BNPL
Buy Now Pay Later infrastructure, risk score integration
→Customer panel + mobile
iOS + Android wallet/payment app
→Fraud detection
ML-based fraudulent transaction detection
→Reporting + BI
Transaction volume, success rate, fraud rate dashboard
Integrations
Sector-specific 3rd-party APIs — setup and maintenance included.
BKM Connect APITCMB FAST APIBank OpenAPIKYC provider (Idemia, Veriff)MASAK reportingPapara APIiyzico API
Packages and price tiers
Fixed-scope written proposal after a 30-minute discovery call.
Licensed Infrastructure
$27-100K
Duration: 14-24 weeks
- ✓BDDK compliance module
- ✓Open banking
- ✓AML/fraud detection
- ✓High availability
- ✓Security audit
Enterprise
$100K+
Duration: 24+ weeks
- ✓Full licensed infrastructure
- ✓White-label solution
- ✓Multi-tenant
- ✓Dedicated infra
- ✓24/7 support
Frequently asked questions
Can payment infrastructure be built without a BDDK license?
Limited — mandatory for services requiring a payment institution or e-money institution license. Some models can launch without a license by partnering with an existing licensed institution (BaaS).
How long does open banking integration take?
BKM Connect integration: 4-8 weeks of technical work. Each bank API adds 2-4 weeks. Realistically 6+ months total (bank approval processes included).
Is AI mandatory for fraud detection?
Not mandatory, but rule-based systems miss sophisticated fraud. A rule engine + basic ML hybrid is the most practical start; the model strengthens as volume grows.
Ready for a sector-tailored quote?
In a 30-minute discovery call we share a written scope + price + timeline tailored to your business.
Start a discovery call