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Defining a Turkish payment scheme in line with local requirements.

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Defining a Turkish payment scheme in line with local requirements.
Fime expertise
Enhance the user experience by shrinking transaction times with reliable and secure contactless card, mobile and terminal payment solutions.

About BKM

Established in 1990, BKM’s main operations have been validating and clearing interbank card transactions, developing the rules and standards for domestic credit and debit cards, and working towards standardization across Turkish payments operations.

BKM has also a critical role to empower the future of cashless payments in Turkey and act as an incubation center for innovation in card payments systems.

The challenge

As is to be expected from an ambitious and complex project, there were a number of logistical and technical challenges. As well as developing the scheme, Fime also helped promote the adoption of Troy by supporting businesses in the Turkish acquiring and issuing market space.

Fime was central to this achievement, providing considered, valuable project management support which enabled BKM to deliver a refined certification process within the confines of a tight schedule.



Fime has been a great partner in our exciting journey to launch Turkey’s first and only national scheme in April 2016.
Cenk Temiz
Executive Vice President
for Card Payment Systems at BKM

Customer requirements

As part of its mission to standardize Turkish payments operations, BKM approached Fime to assist with the development and rollout of Turkey’s first domestic scheme, Troy (Turkey’s Payment Method). This strategic initiative was to be supported by all Turkish banks and managed by BKM.

To develop Troy, BKM required a partner that could provide expert consultancy and training from the very start, as well as offer testing and development support throughout the project. BKM’s key areas for support were:

  • Understanding the requirements and process of developing a payment scheme.

  • Defining the scheme’s technical specifications for both contact and contactless payments. 

  • Developing the certification body and test tools.

Fime’s solution

Throughout the project, Fime:

In the initial stages, Fime provided training and consultancy support to helpBKM scope out and plan the project. Fime was later engaged in developing the certification body and process, and the new test tools ahead of the scheme’s launch.

To minimize delays to the scheme’s launch, Fime also supported Turkish issuing and acquiring members to integrate with the scheme and launch Troy products and services. Fime also worked closely with payment terminal manufacturers and kernel developers to develop and certify Troy-compliant products with testing and certification services.

Working with Fime

Throughout the project, Fime:

  • Provided expert training and consultancy support throughout the development and launch of Troy.
  • Utilized its global presence and capacity to provide local, on-the-ground support.
  • Provided a well-managed, collaborative approach to ensure a smooth and cost-effective path to launch. 

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