FAAL YET RAPORU ANNUAL REPORT

Transkript

1 FAAL YET RAPORU ANNUAL REPORT

2 çindekiler Contents 3 BKM A.fi. About BKM A.fi. 16 Hizmetler Services 7 Genel Kurul Gündemi Agenda of General Assembly 26 Türkiye de Kartl Ödeme Sistemleri Card Payment Systems in Turkey Yönetim Kurulu Mesaj Message from the Chairman de BKM Faaliyetleri Activities of BKM in Genel Müdür Mesaj Message from the CEO 38 Departmanlar Departments 12 Yönetim Kurulu Board of Directors 42 Finansal De erler Financial Figures 14 Komiteler Committees 44 Denetçi Raporu Auditor s Report

3 1990 y l nda, 13 kamu ve özel Türk bankas n n ortakl yla kurulan Bankalararas Kart Merkezi (BKM), Kartl Ödeme Sistemi içerisinde bankalararas otorizasyon, takas ve hesaplaflmayı gerçeklefltirmek, ortak sorunlara çözüm bulmak, Kartl Ödeme Sistemleri konusunda ülke çap nda stratejik çal flmalar yapmak, yurtiçi kredi kartlar kural ve standartlar n gelifltirmek amaçlar n tafl maktad r. Türkiye'de alan nda hizmet veren tek kurulufl olan BKM; güçlü teknik donan m, altyap s ve insan kaynaklar yla üyelerine Kartl Ödeme Sistemleri konusunda en iyi hizmeti sunmaktad r. Bankalararas Kart Merkezi (Interbank Card Center) (BKM), established in 1990 under the partnership of 13 public and private Turkish banks, aims to perform interbank authorizations, clearing and settlement transactions within Card Payment Systems, to find solutions for common issues, to perform nationwide strategic studies with respect to Card Payment Systems, and to establish and improve domestic rules and standards. BKM, the only service provider of Turkey in its area provides the best service to its members as to Card Payment Systems by using its strong technical equipment, infrastructure and human resources. 3

4 Faaliyet Alanlar Kredi kart ve banka kart uygulamas içinde bulunan bankalar aras nda uygulanacak prosedürleri gelifltirmek, standardizasyonu sa lamaya yönelik çal flmalar yaparak kararlar almak, Türkiye genelinde uygulamalar ile yurtiçi kurallar oluflturmak, bankalar aras ndaki takas ve hesaplaflmayı yürütmek, yurtd fl kurulufl ve komisyonlarla iliflkiler kurmak ve gerekti inde üyelerini bu kurulufllarda temsil etmek, halen her banka taraf ndan devam ettirilen ifllemleri daha güvenli, süratli ve daha az maliyetli tek bir merkezden yürütmek BKM'nin ana faaliyetleri aras ndad r. Fields of Activity Among BKM s main fields of activity are; to develop procedures to be applied among banks implementing credit card and debit card system, to take decisions by performing operations for ensuring standardization, to establish domestic rules via practices throughout Turkey, to carry out interbank clearing and settlement transactions, to establish relations with foreign entities and commissions and if necessary, to represent its members with these entities and to carry out transactions that are already being made by any bank in a more secure, faster and cost-effective manner from a single center. Ortaklar Shareholders Akbank T.A.fi. Finans Bank A.fi. Fortis Bank A.fi. Oyak Bank A.fi. T.C. Ziraat Bankas A.fi. T. Garanti Bankas A.fi. T. Halk Bankas A.fi. T. fl Bankas A.fi. T. Vak flar Bankas T.A.O. Yap ve Kredi Bankas A.fi. Üyeler Members Albaraka Türk Kat l m Bankas A.fi. Alternatifbank A.fi. Anadolubank A.fi. Asya Kat l m Bankas A.fi. Citibank A.fi. Denizbank A.fi. Eurobank Tekfen A.fi. HSBC Bank A.fi. Kuveyt Türk Kat l m Bankas A.fi. Millennium Bank A.fi. Provus Biliflim Hizmetleri A.fi. fiekerbank T.A.fi. Tekstil Bankas A.fi. Turkish Bank A.fi. Turkland Bank A.fi. Türk Ekonomi Bankas A.fi. Türkiye Finans Kat l m Bankas A.fi. Servis Sa lay c lar B LEfi M Alternatif Da t m Kanallar ve Ödeme Sistemleri A.fi. Garanti Ödeme Sistemleri A.fi. Provus Biliflim Hizmetleri A.fi. Service Providers Yap Kredi Kart Hizmetleri ve Matbaac l k Sanayi A.fi. Universal Kart Hizmetleri A.fi. 5

5 Ola an Genel Kurul Toplant s Gündemi 1. Aç l fl, Genel Kurul Baflkanl k Divan n n teflkili, haz r bulunanlar ad na Genel Kurul tutanaklar n n imzalanmas hususunda Baflkanl k Divan na yetki verilmesi, y l Yönetim Kurulu Faaliyet Raporu ile Denetçiler Raporu nun okunmas ve müzakeresi, y l Bilançosu ile Kar-Zarar Hesaplar n n okunarak incelenmesi ve onaylanmas ile kar da t m yla ilgili teklifin görüflülerek karar al nmas, 4. Yönetim Kurulu Üyeleri ile Denetçilerin ibra edilmesi, 5. Y l içinde boflalan Yönetim Kurulu Üyeliklerine T.T.K. nin 315. maddesi gere ince yap lan vaki seçimlerin Genel Kurul un tasdik ve tasvibine arz, 6. Yönetim Kurulu Üyeleri ile Denetçilerin seçimi, 7. Yönetim Kurulu Üyeleri ve Denetçilerin ücretlerinin belirlenmesi, 8. Yönetim Kurulu Üyelerine, T.T.K. nin 334. ve 335. maddeleri uyar nca yetki verilmesi, 9. Temenniler ve kapan fl. Agenda of General Assembly Meeting 1. Opening, formation of General Assembly Presidential Board, granting the Presidential Board with the authority to execute minutes for General Assembly in the name of attendees, 2. Reading and negotiating Board of Directors Annual Report and Auditors Report for 2007, 3. Reading, examining, and approving the Balance Sheet and Profit-Loss Statements for 2007 and discussing and making a decision for the proposal with respect to dividend distribution, 4. Releasing the Members of Board of Directors and the Auditors, 5. Submitting to the General Assembly s confirmation and approval the elections made for the Board of Directors seat, becoming vacant during the year, under Article 315 of Turkish Commercial Code, 6. Election for the Members of the Board of Directors and Auditors, 7. Determination of fees to be paid to the Members of the Board of Directors and the Auditors, 8. Authorizing the Members of the Board of Directors pursuant to Articles 334 and 335 of Turkish Commercial Code, 9. Wishes and closing. 7

6 Yönetim Kurulu Mesaj Message from the Board of Directors De erli Ortaklar m z, Bankalararas Kart Merkezi A.fi. nin 18. Ola an Genel Kurulu na hofl geldiniz. Türk Kartl Ödeme Sektörü, ülkemizde son y llarda görülmekte olan büyüme oranlar n n çok üzerinde bir flekilde büyümesine devam etmektedir y l sonunda GSMH de gerçekleflen %8 lik büyümeye karfl l k, Türk Kartl Ödeme Sistemleri kredi kart adetleri %15 lik bir büyümeye ulaflm flt r. Kredi kart cirosu ise %31 lik bir büyüme kaydetmifltir y l n n Eylül ay itibariyle tüm Kartl Ödeme Sistemleri nin toplam GSMH içindeki pay %22 seviyesine ulaflm fl olup, bu oran n yükselmesi kay t d fl ekonomi ile mücadele konusunda son derece büyük önem arz etmektedir. fiirketimiz, 2007 y l nda da mevcut hizmetlerini sorunsuz bir flekilde sürdürmüfl, ayn zamanda Türk Kartl Ödeme Sistemleri nin geliflen teknoloji ile uyum sa lamas için de çal flmalarda bulunmufltur y l, tüm sektör için önemli olaylara sahne olmufltur. Öncelikle chip&pin geçifli nedeni ile göstermifl oldu u katk lardan ötürü tüm Üye ve Ortaklar m za teflekkür ederiz. Gerek tüketicilerin gerekse iflyerlerinin kartl ödeme konusundaki al flkanl klar n n de ifltirilmesi ad na gerçeklefltirilmifl olan faaliyetler, y l sonuna geldi imizde %94 lük flifreli ifllem oran ile meyvelerini vermifltir. Dünyada bu yönteme geçifli tamamlam fl olan 3. ülke olman n verdi i ayr cal k, yurtd fl nda da önemli bir etki yaratm flt r. Banka Kartlar n n al flverifllerde kullan lmas n n yayg nlaflt r lmas amac ile 2004 y l nda bafllat lm fl olan kampanya, 2007 y l nda da devam etmifl, tüketiciler ve iflyerleri ile Banka Kartlar n n al flverifllerde kullan lmas ile ilgili iletiflim faaliyetleri gerçeklefltirilmifltir y l nda gerçeklefltirilen bir di er faaliyet de Tüketici Bilinci bafll alt nda, tüketicilerin kart kullan m nda dikkat etmeleri gereken hususlar n vurguland kampanya olmufltur. Bu kampanya nedeni ile bir web sitesi haz rlanm fl ve gerekli tüm bilgiler bu site üzerinden tüketiciler ile paylafl lm flt r. Y l boyunca sektörümüzün durumunu gösteren konsolide istatistikler ile hem üyelerimiz hem de kamuoyu bilgilendirilmeye devam edilmifltir. Üyelerimize yönelik verilen BKM e itimleri baflar ile tamamlanm fl, e itim içerikleri geniflletilerek daha da kapsaml bir program haline getirilmifltir. fiirketimizin 2007 hesap y l na ait Faaliyetlerini, Mali Tablolar n ve Denetçiler Raporunu görüfl ve onaylar n za sunarken, 2008 y l n n siz de erli Ortaklar m za, Say n Üyelerimize ve BKM çal flanlar na baflar, sa l k ve mutluluk getirmesini dileriz. Sayg lar m zla, 2007 y l n n Eylül ay itibariyle tüm Kartl Ödeme Sistemleri nin toplam GSMH içindeki pay %22 seviyesine ulaflm fl olup, bu oran n yükselmesi kay t d fl ekonomi ile mücadele konusunda son derece büyük önem arz etmektedir. As of September 2007, share of entire Card Payment Systems in overall GDP has reached to 22% and such increase in this ratio is significantly important for dealing with informal economy. Dear Shareholders, Welcome the 18 th Annual General Assembly Meeting of Bankalararas Kart Merkezi A.fi. Turkish Card Payment System is continuing to grow significantly higher than the recent growth rate of our country. Though GDP growth rate as of the end of 2007 was 8%, the growth rate in Turkish Card Payment Systems has reached to 15%. Similarly, 31% growth rate is achieved in credit card volume. As of September 2007, share of entire Card Payment Systems in overall GDP has reached to 22% and such increase in this ratio is significantly important for dealing with informal economy. Our Company has continued to offer its current services smoothly in 2007 and also performed several operations in order to ensure that Turkish Card Payment Systems are harmonized with the developing technology was the year of important events for the entire industry. Initially we would like to thank to all of our members and shareholders for their contributions to migration to chip&pin. The activities for changing the behaviors of both consumers and merchants regarding card payments became fruitful as 94% ratio is achieved for offline pin transactions. The priority of being the third country in the world that has completed this transition created a significant effect in the international arena. The campaign that was started in 2004 in order to ensure widespread utilization of Debit Cards in shopping has also continued in 2007 and various communication activities regarding utilization of Debit Cards were performed at the consumer and merchant side. Another activity that was performed in 2007 was the campaign, titled Consumer Awareness for highlighting the issues that consumers must take into consideration while using their cards. A web site was prepared for this campaign and all necessary information was shared with the consumers through this site. Both our members and the public were continued to be kept informed throughout the year through consolidated statistics, showing the condition of our industry. BKM trainings, given to our members, were successfully completed and the content of trainings was expanded to have a more comprehensive program. While submitting the operations, financial statements, and audit report of our Company for 2007 accounting year to your review and approval, we hereby would like to wish the year 2008 to bring success, health, and happiness to our Shareholders, Members, and BKM employees. Kindly Regards, Yönetim Kurulu ad na On behalf of the Board of Directors Zafer DEM RARSLAN Baflkan Chairman 9

7 Genel Müdür Mesaj Message From CEO Sayg de er Ortaklar m z, Türk Kartl Ödeme Sistemleri aç s ndan son derece verimli bir y l daha arkada b rakt k y l sonu itibariyle toplam 142 milyar YTL lik kredi kart cirosu gerçekleflmifl olup, bir önceki y la göre %31 lik bir büyüme sa lanm flt r. Bu büyüme POS adetlerinde %13 olarak gerçekleflmifl, y l sonu itibariyle toplam POS adedi olmufltur. ATM say lar nda da benzeri bir büyüme yaflanm fl, %14 ile y l sonunda toplam adet ATM ye ulafl lm flt r y l nda bafllatm fl oldu umuz chip&pin geçifli, 2007 y l nda tamamlanm flt r. Yap lan altyap çal flmalar, tüketici ve iflyeri iletiflimi, geçiflin baflar l bir flekilde gerçekleflmesi ad na y l n önemli faaliyetlerinden olmufltur sonu itibariyle chip&pin uyumlu kredi kart say s toplam kredi kartlar içinde %100, chip&pin uyumlu POS lar n say s toplam POS lar n içinde %100 ve chip&pin uyumlu ATM lerin say s da toplam ATM ler içinde %86 ya ulaflm flt r. Ayr ca chip&pin yönteminin hayata geçirilmesi sayesinde, kay p/çal nt ve sahte kart doland r c l k giderlerinde bir önceki döneme göre %73 lük bir düflüfl sa lanm flt r içinde, önümüzdeki y llarda pazarda çok yayg n olarak kullan laca beklenen temass z ve ön ödemeli kartlar ile ilgili standartlar belirlenerek üyelerimiz ile paylafl lm flt r. chip&pin ile fiziki ortamda sahtecilik ve doland r c l k için al nan güvenlik önlemlerinden sonra, e-ticaret güvenli ini de art r c bir unsur olan 3-D Secure uygulamas n n yayg nlaflmas için çal flmalar yap lm fl, iflyerleri için 3-D Secure a zorunlu geçifl, 1 Temmuz 2007 tarihinde bafllat lm flt r. Sektörde sahtecilik ve doland r c l k faaliyetleri ile daha da etkin mücadele verilebilmesi ve yarg ile geliflmelerin paylafl labilmesi için, Adalet Bakanl ile ortaklafla Hukuki Aç dan Banka ve Kredi Kartlar Sempozyumu nun beflincisi düzenlenmifltir. Benzeri bir flekilde Emniyet Genel Müdürlü ü ve Jandarma Genel Komutanl nezdinde düzenli olarak yürütülmekte olan güvenlik içerikli e itim programlar m z 2007 y l nda da sürdürülmüfltür. Üyelerimiz aras nda do abilmekte olan Ters braz fllemlerinin operasyonel yükünün azalt lmas ve h zl ifllem yap labilmesi amac ile Chargeback Doküman Yönetim Sistemi devreye al nm flt r. Bütün bu faaliyetlerin yan s ra, Banka Kart Kampanyas ile Banka Kartlar n n al flverifllerde kullan labilece inin bilinirlik oran 2004 y l nda %44 iken, kampanyalar sayesinde bu oran 2005 y l nda %77 ye, 2007 y l nda da %87 ye ç km flt r. Tüm De erli Ortaklar m za, Say n Üyelerimize ve BKM Çal flanlar na baflar l bir 2008 y l dilerim. Sayg lar mla, 2006 y l nda bafllatm fl oldu umuz chip&pin geçifli, 2007 y l nda baflar yla tamamlanm flt r. chip&pin yönteminin hayata geçirilmesi sayesinde, kay p/çal nt ve sahte kart doland r c l k giderlerinde bir önceki döneme göre %73 lük bir düflüfl sa lanm flt r. Migration to chip&pin, which we had started in early 2006, has been successfully completed in Implementation of chip&pin method has ensured 73% decrease in the expenses for lost/stolen and counterfeit card fraudulency compared to the previous year. Dear Shareholders, We have now completed another productive year for Turkish Card Payment Systems. While total credit card volume as of the end of 2007 was 142 billion YTL, 31% growth was achieved compared to the previous year. This growth was 13% in the number of POS and this amount has reached to 1,453,877 POS devices as of the year end. A similar growth was also seen in the number of ATMs and we have reached 18,800 ATMs at the year end by 14% growth. Migration to chip&pin, which we had started in early 2006, has been completed in Completed infrastructural operations as well as communication with the consumers and merchants were among those significant activities of the year for proper completion of migration. The ratio of chip&pin compliant credit cards among all credit cards has reached to 100%, whereas the ratio of chip&pin compliant POS devices has reached to 100% and chip&pin compliant ATMs has reached to 86%. Furthermore implementation of chip&pin method has ensured 73% decrease in the expenses for lost/stolen and counterfeit card fraudulency compared to the previous year. Standards of contactless and prepaid cards, which are expected to be used widely in the market in future, are specified and shared with our members in Following security measures, taken via chip&pin, in order to prevent fraudulency and counterfeiting in physical environment, several efforts were made to ensure that 3-D Secure application is used widespread as an element to increase e-commerce security and mandatory transition to 3-D Secure for merchants is applied on July 1, Fifth of the Symposium on Bank and Credit Cards in terms of Legal Issues was organized in collaboration with the Ministry of Justice in order to deal with counterfeiting and fraudulency in the industry more effectively and to share developments with the judicial authorities. Similarly, our training programs regarding the security, which were organized regularly at the Security General Directorate and Gendarmerie Department, have also continued in Chargeback Document Management System has been commissioned to ensure that operational load of Chargeback Transactions that may occur between our members is reduced and transactions are performed faster. In addition to all of these activities, the ratio of awareness that Debit Cards can also be used during shopping has reached to 77% in 2005 and then to 87% in 2007 from 44% in 2004 thanks to Debit Card Campaign. I wish a successful year to all of our esteemed Shareholders, Members and BKM Employees in Kindly Regards, Sertaç ÖZ NAL Genel Müdür CEO 11

8 Yönetim Kurulu Board of Directors 1- Osman TANAÇAN Akbank T.A.fi. Üye / Member 2- Sertaç ÖZ NAL Genel Müdür / CEO 3- Zafer DEM RARSLAN T.C. Ziraat Bankas A.fi. Yönetim Kurulu Baflkan / Chairman 5- U ur ÇELEB O LU Türkiye fl Bankas A.fi. Üye / Member 6- Hakan KAPLAN Yap ve Kredi Bankas A.fi. Üye / Member 7- Hasan ÜNAL T. Halk Bankas A.fi. Üye / Member 9- Orhan HAT PO LU Finans Bank A.fi. Üye / Member 10- Ak n TELATAR Fortis Bank A.fi. Denetçi / Auditor 11- Mehmet fiah N T. Vak flar Bankas T.A.O. Üye / Member Tunç DAfiAR T. Garanti Bankas A.fi. Yönetim Kurulu Baflkan Vekili / Vice Chairman 8- Özgür ÖZTÜRK Oyak Bank A.fi. Denetçi / Auditor 13

9 Komiteler Committees Hakem Komitesi / Arbitration Committee Operasyon ve Teknoloji Komitesi / Operation and Technology Committee Pazar Gelifltirme Komitesi / Market Development Committee Güvenlik Komitesi / Security Committee Üyeler Members Ebru AKER Akbank T.A.fi. Sevim BAYRAM Yap ve Kredi Bankas A.fi. Gülüflan SOLUM T. Vak flar Bankas T.A.O. Berna BAfi BUDAK T. fl Bankas A.fi. Bengi GÜLEÇ YAPRAK T. Garanti Bankas A.fi. Hasan KAYA T.C. Ziraat Bankas A.fi. A. Bülent KÜÇÜKÖZCAN Finans Bank A.fi. Tamer GÖKÇE HSBC Bank A.fi. Bentül UZUN T. Halk Bankas A.fi. Kaan BÜYÜKÇ L Fortis Bank A.fi. Aslan KILINÇLAR Oyak Bank A.fi. Üyeler Members Baflkan Chairman: U ur ÇELEB O LU T. fl Bankas A.fi. Baflkan Yard mc s Vice Chairman: Gülnaz DER NÖZ Yap ve Kredi Bankas A.fi. Yeflim HARBATH Akbank T.A.fi. Sultan BAKACAK T. Garanti Bankas A.fi. Murat K BARO ULLARI T. Vak flar Bankas T.A.O. Ahmet Melih BUZLUK T.C. Ziraat Bankas A.fi. Cem Koray KÖKTEK N Oyak Bank A.fi. Baflak GAZ AR FO LU Finans Bank A.fi. Korhan ÖZDEM R Fortis Bank A.fi. Mustafa DEM R HSBC Bank A.fi. Üyeler Members Baflkan Chairman: Hakan KAPLAN Yap ve Kredi Bankas A.fi. Baflkan Yard mc s Vice Chairman: Özgür ALTAN T. Garanti Bankas A.fi. Deniz ÖNDER HSBC Bank A.fi. Ömer AYAN Oyak Bank A.fi. Selis Özlem SÜER T. fl Bankas A.fi. F. Banu KONUKSAY T.C. Ziraat Bankas A.fi. Ebru AKKUfi T. Halk Bankas A.fi. Selim KALAYCI Fortis Bank A.fi. Begüm TAfiAL Akbank T.A.fi. Serkan YAZICIO LU Finans Bank A.fi. Mehmet fiah N T. Vak flar Bankas T.A.O. Üyeler Members Baflkan Chairman: Orhan HAT PO LU Finans Bank A.fi. Baflkan Yard mc s Vice Chairman: Muhterem KÜÇÜKAYDIN Yap ve Kredi Bankas A.fi. brahim ÇEB Akbank T.A.fi. Salih MUSAO LU T. Halk Bankas A.fi. Koray TURFAN T. Garanti Bankas A.fi. Ayda KINIKLI T. fl Bankas A.fi. Ali ELMALI T.C. Ziraat Bankas A.fi. P nar KUYUMCU DÖLARSLAN Citibank A.fi. Hakan Recep AKTAfi Oyak Bank A.fi. Ece Hediye KESK N fiekerbank T.A.fi. Asl han EMRE T. Vak flar Bankas T.A.O. Müberra UYAR YILDIRIM Fortis Bank A.fi. Özcan SEZER HSBC Bank A.fi. Üyelerimiz, Kartl Ödeme Sistemleri kurallar n n ihlalinden do an ve ters ibraz yolu ile çözümleyemedikleri anlaflmazl klar için BKM Hakem Komitesi'ne baflvurabilir. Komite, iki üye aras nda meydana gelen ihtilafl durumlar üyenin baflvurusu halinde inceleyerek taraflar aras nda hakemlik yapar. Our members may apply to the Arbitration Committee of BKM for settlement of the disputes arising from violation of the Card Payment Systems that they cannot resolve by way of adverse presentation. The committee analyses the litigious cases occurring between two members upon the application of the member and acts as an arbitrator between the parties. Çip Komitesi / Chip Committee Üyeler Members Baflkan Chairman: Hasan ÜNAL T. Halk Bankas A.fi. Baflkan Yard mc s Vice Chairman: Enis TUNA Denizbank A.fi. Demet SERG N YILDIRIM Akbank T.A.fi. Gülflah ERGUN Finans Bank A.fi. Can BAYINDIR T. Garanti Bankas A.fi. Yi it ÇA LAYAN HSBC Bank A.fi. Mehmet Ali ERSOY T. fl Bankas A.fi. Hakan AÇAR Yap ve Kredi Bankas A.fi. Hasan PEKfiEN T.C. Ziraat Bankas A.fi. smail Murat TURGUT T. Vak flar Bankas T.A.O. Zeynep MEM YA fieker Bank T.A.fi. BKM Çip Komitesi, Kartl Ödeme Sistemleri nin gelece ini oluflturan ak ll (çip) kartlar n standart, spesifikasyon, prosedür, kural ve yönetmelik çal flmalar n yürütmek ve üye bankalar n çip konulu çal flmalar na yön vermek amac yla raporlar haz rlamak üzere kurulmufltur. BKM Operasyon ve Teknoloji Komitesi, yurtiçinde Kartl Ödeme Sistemleri konular nda faaliyet gösteren bankalar aras nda ortak standart ve kurallar n oluflturulmas, Kartl Ödeme Sistemleri ne ait spesifikasyon, prosedür ve yönetmeliklerin haz rlanmas, teknolojik geliflmelerin takip edilerek yurtiçindeki uygulama koflullar n n belirlenmesi gibi konularda faaliyette bulunur. BKM Operation and Technology Committee has been established with the aim to constitute the common standards and rules between the banks that carry on business of Card Payment Systems in the domestic market, to prepare the specification, procedure and regulations pertaining to the Card Payment Systems and to follow up the technological developments and lay down the conditions of application in the domestic market. BKM Pazar Gelifltirme Komitesi, ülkemizde Kartl Ödeme Sistemleri ile ilgili stratejileri gelifltirmek, kredi ve banka kartlar na olan talebi art rmak, kart hamillerinin kart kullan m alan n geniflletmek ve teflvik etmek üzere projeler gelifltirir, piyasa araflt rmalar yapt r r ve bilinçlendirmeye yönelik e itim faaliyetleri düzenler. BKM üyelerinin anlaflmal oldu u iflyerlerine yönelik iletiflim malzemelerinin haz rlanmas görevini yürütür. Ayr ca, ödeme arac olarak kart kabul eden iflyeri pazar n büyütme ve bu amaçlarla yap lacak reklam kampanyalar n ve bas n duyurular n yönlendirme konular nda da çal flmalar yapar. Yurtiçi ve yurtd fl kaynakl istatistikler arac l yla oluflturulan güncel piyasa analizleri ile kartl ödeme sektörünün geliflimini takip eder. BKM Market Development Committee has been established in order to develop the strategies regarding Card Payment Systems, to increase the demand for credit and bank cards and to develop projects, to conduct market surveys and to give trainings for increasing the awareness in order for expanding and encouraging utilization of card payment systems by card holders. It also prepares the communication equipment for the merchants, with which BKM members have an agreement. The Committee also performs further works for expanding the market of merchants that are accepting card payment systems as a means of payment and for directing the advertisement campaigns and press announcements to be made for this purpose. The Committee monitors the development of Card Payment Systems through updated market analyses created by domestic and international statistics. BKM Güvenlik Komitesi, Türkiye'de Kartl Ödeme Sistemleri ile ilgili olarak sahtecilik/doland r c l k olaylar n önleyici çal flmalar yapmak, güvenlik önlemleri saptamak, bu amaçla yap lacak hukuki düzenleme çal flmalar nda standart, spesifikasyon, kural, prosedür ve yönetmelik çal flmalar na katk da bulunmak, Emniyet Teflkilat ve Jandarma ile iliflkileri sürdürmek amac yla kurulmufltur. The Security Committee has been established for the purpose of providing preventive solutions against counterfeit / fraud related to Card Payment Systems in Turkey, setting the security measures and contributing to the legal arrangements, standards, specifications, rules, procedures and regulations to be executed for this purpose and continuing and strengthening the relations with the General Directorate of Public Security and Gendarme. The Chip Committee has been established for the purpose of execution of the studies aimed at providing standards, specifications, procedures, rules and regulations for the smart (chip) cards, which are supposed to compose the future technology of the Card Payment Systems. The Chip Committee further prepares reports to direct the chip-related studies of the member banks. 15

10 Hizmetler Services Yurtiçi Takas ve Hesaplaflma / YTH / Domestic Clearing and Settlement / YTH BKM, Üyelik ve Hizmet Sözleflmesi uyar nca hizmet sundu u banka/kurulufllara kendi bünyesinde oluflturdu u Takas Merkezi üzerinden hizmet verir. Üye banka/kurulufllar aras nda kredi kart ifllemlerinden do an borç veya alacaklar n tasfiyesi YTH Modülü ve Takas Merkezi arac l ile T.C. Merkez Bankas nezdindeki BKM hesab ndan net olarak yap l r. BKM serves to the banks/institutions, to which it offers services according to the Membership and Service Contract, through the Clearing Center that it has established internally. Settlement of debts or credits between member banks/institutions, arising from credit card transactions, is performed as net through BKM account available at Central Bank of the Republic of Turkey via the Domestic Clearing and Settlement Module and Clearing Center. Mesaj Yönlendirme / Switch Sistemi / Message Switching System BKM Yönlendirme Sistemi, üyelerimize banka kart ve kredi kart yönlendirme hizmeti vermek üzere 1 A ustos 1993 tarihinde uygulamaya al nm flt r. BKM Yönlendirme Sistemi ile üyelerimize afla da yer alan hizmetler verilmektedir: Kredi Kart On-Line Otorizasyon Kredi Kart Yerine Otorizasyon Banka Kart ATM Paylafl m Banka Kart POS Paylafl m Visa (Base I), MasterCard (EPS NET), AmEx ATM Acquiring Yönlendirme BKM Switch System was put into operation on August 1, 1993 in order to provide debit card and credit card authorization service to our members. The following services are offered to our members through BKM Switch System: On-Line Credit Card Authorization Stand-in Credit Card Authorization Debit Card ATM Sharing Debit Card POS Sharing Visa (Base I), MasterCard (EPS NET), AmEx ATM Acquiring Routing Raporlama / Reporting BKM, ayl k ve 3 ayl k dönemler itibariyle üyelerinden Kartl Ödeme Sistemleri'ne yönelik istatistiki bilgi toplamaktad r. Toplanan bu bilgiler do rultusunda; Ayl k; pazar paylar, kart ve POS say lar, taksitli ifllem, EMV chip le gerçekleflen ifllem ve MO/TO (Mektupla/Telefonla Siparifl) ifllem ve e-ticaret ifllem adet ve tutarlar, 3 ayl k; konsolide istatistik, yönetici özeti, bilgi paylafl m, pazar pay, il baz nda kredi kart da l m, kredi kart issuer cironun bireysel/ticari da l m, sahtecilik ve doland r c l k raporlar oluflturulmakta, BKM Online arac l ile üyelerimizle paylafl lmaktad r. BKM collects monthly and quarterly statistical information; from its members for Card Payment Systems. In accordance with such collected information, Monthly reports including market shares, number of cards and POS devices, numbers and amounts of transactions in installments, transactions by using EMV compliant chips, transactions through MO/TO (Mail Order/Telephone Order) and e-commerce data, Quarterly reports including consolidated statistics, executive summary, information sharing, market share, credit card distribution according to provinces, distribution of issuer s volume among individuals/ commercial enterprises and counterfeiting and fraudulency information are prepared and submitted to our members through BKM Online. 17

11 Hizmetler Services Switch Ücretlendirme ve Banka Kart Takas / Switch Fee Billing and Debit Card Clearing Switch üzerinden geçen, BKM üyelerinin birbirlerine ait Banka Kart kullan m ndan do an anapara ve komisyon, finansal olmayan Banka Kart /Kredi Kart ifllemlerinden do an hizmet ücretlerine ait borç ve alacaklar n n tasfiyesi, S Ü Modülü ve Takas Merkezi arac l yla T.C. Merkez Bankas nezdindeki BKM hesab ndan net olarak yap l r. Commission fees and principal amounts, arising out of the utilization of Debit Cards of BKM members through switching system and debits and credits arising out of non-financial Debit Card/Credit Card transactions are settled as net amounts through BKM account at Central Bank of the Republic of Turkey via the Switch Billing Module and Clearing Center. Chargeback Doküman Yönetim Sistemi / Chargeback Document Sharing Service Üyeler aras ndaki uyuflmazl k durumlar nda, paylafl lmas na ihtiyaç duyulan dokümanlar n, Yurtiçi Takas ve Hesaplaflma Sistemi verileriyle iliflkilendirilerek, interaktif olarak elektronik ortamda üyeler aras nda iletilmesini ve merkezi olarak kay t alt na al nmas n sa lar. This service ensures that in case of a dispute between the members, the documents that are required to be shared are submitted to members through electronic media and recorded centrally. BKM Veri Ambar / BKM Data Warehouse Kartl Ödeme Sistemleri ndeki otorizasyon ve takas kay tlar n n sahtekarl k, istatistik, pazar araflt rma ve pazar gelifltirme amaçl olarak saklanmas na, gerekti inde üyeler ve BKM taraf ndan sorgulanmas na ve analiz edilmesine yönelik hizmetlerdir. Services for maintaining authorization and clearing records of Card Payment Systems in order of protection from fraudulency and for purposes of statistics, market research and market development and if required, for querying and analyzing these records both by members and BKM. 3-D Secure / 3-D Secure nternette güvenli al flverifl yap lmas n sa lamak üzere gelifltirilen uluslararas çözümün, BKM de oluflturulan altyap ile yurtiçinde de etkin ve verimli kullan m desteklenir. Effective and productive utilization of the international solution, developed in order for secure shopping via Internet, within the domestic market is also supported by the infrastructure established at BKM. BKM Online / BKM Online BKM ve üyeler aras nda yetki s n rlar içerisinde iletiflim ve bilgi paylafl m na altyap oluflturur. The infrastructure for communication and sharing information between according to predefined access authorizations. Merkezi flyeri Veritaban / Central Merchant Database BKM'ye üye olan bankalar n Kartl Ödeme Sistemleri ne dahil olan iflyerlerine ait bilgilerinin bir merkezde toplanarak birden fazla BKM üyesiyle anlaflmaya sahip iflyeri kay tlar n n efllefltirilmesini, her iflyerine tekil bir numara verilmesini ve iflyerlerinin bu numara üzerinden takibini sa lar. The database ensures that data of merchants, which are included to Card Payment Systems of BKM member banks, are collected in a central location and the records of merchants that have made an agreement with more than one BKM member are matched, a unique ID is given to each merchant and merchants are tracked with this unique ID. Birleflik Uyar Listesi / Combined Warning List Üyeler taraf ndan çevrim içi bildirilen sak ncal kartlar n konsolidasyonunun yap l p, tüm BKM üyeleriyle periyodik paylafl lmas n sa lar. Disputed cards, notified through online communication methods by the members, are consolidated and shared periodically with all BKM members. 19

12 Hizmetler Services Güvenlik Yurtiçi, yurtd fl kart kurulufllar ile BKM koordinasyonunda yap lan bilgi paylafl m doland r c l k riskinin önlenmesini ve Kartl Ödeme Sistemleri ne duyulan güvenin artmas n sa lamaktad r. Ayr ca, kolluk kuvvetlerinin yapt operasyonlarda ele geçirilen sahte kart ve sahte kart yap m nda kullan lan cihazlar n ekspertiz incelemeleri yap lmaktad r. Ekspertiz incelemeleri sonucunda, sahte kart ve cihazlardan tespit edilen kart bilgilerinin üyelere ve yurtd fl kart kurulufllar na duyurularak sahte kart kullan mlar delillendirilmektedir y l nda, Türkiye genelinde, Kartl Ödeme Sistemleri sahtecilik faaliyetleri ile ilgili, Mahkemelerden, Savc l klardan, Emniyet ve Jandarma birimlerinden 140 adet dosya incelenmifl ve ekspertiz yap lm flt r. Kredi kart sahtecilik ve doland r c l k flekillerinin rakamsal boyutlar tespit edilerek, riskin önlenmesi amac ile kural/prosedür ve proje çal flmalar yap lmaktad r. Emniyet Genel Müdürlü ü ve Jandarma Genel Komutanl ile BKM aras nda tesis edilen iflbirli i sonucu her y l Emniyet ve Jandarma n n rütbeli bir personeli belirli bir süre için Bankalararas Kart Merkezi nde görevlendirilmektedir. Bu süre zarf nda, Emniyet Teflkilat ve Jandarma Genel Komutanl mensuplar n n kart sahtecili i ile ilgili konularda uzmanlaflmalar, BKM, Emniyet ve Jandarma ile iliflkilerin güçlendirilmesi, üyeler ve kolluk kuvvetleri aras ndaki iletiflimin gelifltirilmesi sa lanmaktad r. Güvenlik Birimi Yetkilileri Semineri Bu toplant larda, sene içerisinde meydana gelen önemli sahtecilik/doland r c l k olaylar ifllenir. E itimin kapsad di er konular ise elektronik ticaret, dünya ve Avrupa'da sahtecilik e ilimleri, Kartl Ödeme Sistemleri nde ifllem güvenli indeki geliflmeler ve kart kabul eden/kart ihraç eden banka ve kurulufllar (acquirer/issuer) baz nda al nacak önlemlerdir. Üye Avukatlar Semineri Bu toplant larda, Kartl Ödeme Sistemleri nde teknoloji destekli sahtecilik/doland r c l klar ve hukuki aç dan kredi kart doland r c l klar incelenerek, kartl ifllemlere ait flikayet ve suç duyurusu aflamalar nda uygulanacak prosedür ve yöntemler hakk nda de erlendirmeler yap l r. Jandarma Genel Komutanl ve Emniyet Genel Müdürlü ü E itimleri BKM taraf ndan Jandarma ve Emniyet Teflkilat üyelerine Kartl Ödeme Sistemleri nin güvenli ine iliflkin periyodik e itimler verilir. BKM Üye E itimleri Periyodik olarak yap lan BKM E itimleri arac l yla yurtiçi kural ve uygulamalar, yönlendirme sistemi, yurtiçi takas ve hesaplaflma ve Kartl Ödeme Sistemleri nin güvenli i konusunda üyelerimize e itimler verilir. Security Sharing the information under the coordination of domestic and foreign card institutions and BKM ensures that fraudulency risk is prevented and the trust towards Card Payment Systems is increased. Furthermore, counterfeit cards and devices used to produce counterfeit cards, which are seized during the operations of law enforcement officers, are examined and results of these expertise examinations and card related information obtained from such counterfeit cards and devices are announced to members and foreign card institutions and so counterfeit card usages are evidenced. In 2007, Card Payment Systems have examined 140 files about counterfeiting obtained from Courts, Prosecutors, Security Forces and Gendarmerie throughout Turkey. Quantitative volumes of credit card counterfeiting and fraudulency actions are determined and several efforts are performed to prepare the rules/procedures and projects for preventing the risk. As a result of the collaboration with General Directorate of Public Security, General Commandership of Gendarmerie and BKM, a higher-ranking officer from the security forces and from the gendarmerie are appointed to a position in BKM for a certain period, during which it is ensured that officers of Security Forces and General Commandership of Gendarmerie are specialized in issues regarding card counterfeiting, relationships between BKM, Security Forces and Gendarmerie are strengthened and the communication between the members and security forces are improved. Seminar for Security Department Officers Important counterfeiting/fraudulency activities of the year are discussed during these meetings. Other issues covered in these seminars are electronic commerce, counterfeiting trends in Europe, developments in Card Payment Systems pertaining to transaction security, and the measures to be taken at acquirers/issuers. Seminar for Member Attorneys During these meetings, technology supported counterfeiting/fraudulency actions in Card Payment Systems and credit card fraudulency actions are examined from a legal point of view and procedures and methods to be applied in cases of complaints and crime reporting are discussed. Seminars for General Commandership of Gendarmerie and General Directorate of Public Security BKM gives periodical trainings to the members of Gendarmerie and Security Forces regarding the security of Card Payment Systems. BKM Member Trainings Through periodic trainings of BKM, our members are trained in domestic rules and practices switching system, domestic clearing and settlement and security of Card Payment Systems. 21

13 Hizmetler Services letiflim Faaliyetleri Communication Activities Türkiye, dünyada chip&pin e geçifli tamamlayan üçüncü ülke olmufltur. chip&pin Geçifli Konusunda BKM nin Rolü chip&pin geçifli konusunda BKM ve üyeleri çok kapsaml bir çal flma yürütmektedir. Bu çal flma dahilinde, chip&pin e yönelik kural ve standartlar n oluflturulmas, ilgili sertifikasyon ifllemlerinin yürütülmesi ve çeflitli teflvik uygulamalar n n üyeler aras nda hayata geçirilmesi yer almaktad r. Turkey is the third country which completed the migration to chip&pin. Role of BKM in Migration to chip&pin BKM and its members are performing a very comprehensive study in migration to chip&pin. As a part of this study, it is aimed that the rules and standards for chip&pin are created, relevant certification operations are performed, and various incentive related applications are implemented among the members. chip&pin yöntemi sayesinde, kay p/çal nt ve sahte kart doland r c l bir önceki döneme göre %73 azalm flt r. 30 Haziran 2007 tarihi itibariyle 1 y l aflk n bir süredir devam eden pin bypass dönemi sona ermifl ve kredi kart yla yap lan al flverifllerde flifre kullan m zorunlu hale getirilmifltir. 30 Haziran 2007 itibariyle kredi kartl al flverifllerde flifresiz ifllemin mümkün olamayaca n duyurarak bu tarihe kadar, kartlar nda chip&pin olan ancak henüz flifresini almam fl kart sahiplerinin flifrelerini oluflturmalar n sa lamak ve bununla birlikte, gerek kart sahiplerine, gerek üye iflyerlerine flifre mahremiyetini hat rlatmak amac yla bafllat lan fiifrenizi ald n z m? 30 Haziran Son Gün bilinçlendirme kampanyas baflar yla tamamlanm flt r. By chip&pin method, lost/stolen and counterfeit card fraudulency has decreased 73% compared to the previous year. Pin Bypass period, continuing for more than 1 year, has ended as of June 30, 2007 and it became mandatory to use pin for shopping made via credit card. The awareness raising campaign, titled Have you received your PIN? Last day is June 30, which was initiated by announcing that transactions without a PIN would not be possible as of June 30, 2007 for shopping via credit card, in order to ensure that card holders, whose cards have chip&pin but have failed to receive their PINs yet, generate their own PINs and to highlight the relationships of both card holders and member merchants with the privacy of PIN, has been successfully completed. Televizyon Filmleri TV Commercials Kampanya kapsam nda, TV, bas n, radyo, sinema, internet ve aç khava mecralar n n kullan ld entegre bir iletiflimin yan s ra sahada da yo un bir görünürlük program yürütülmüfltür. Ülke çap nda u aflk n adette bas lan POP malzemeleriyle hem üye iflyerleri, hem tüketiciler nezdinde 30 Haziran n son gün oldu unun duyurulmas na ve flifre kullan m na destek sa lanm flt r. Bu faaliyetlerle birlikte, sürekli ve yo un bir halkla iliflkiler program yürütülmüfl; üyelerimiz kendi iletiflim kanallar arac l yla müflterilerine verdikleri mesajlar ve yapt klar düzenli bilgilendirmelerle oluflturulan ortak iletiflim platformuna destek olmufllard r. Temmuz 2007 sonunda gerçeklefltirilen tüketici araflt rmas na göre, chip&pin bilinirlik oran %100 seviyesine, flifresini bilenlerin oran ise %96 seviyesine ulaflm flt r sonu piyasa verileri incelendi inde ise kredi kart yla yap lan al flverifllerde flifre kullan m oran n n %94 seviyesinde oldu u görülmektedir. Gazete ve Dergi lanlar Print & Magazine Ads As a part of the campaign not only an integrated communication, including the utilization of TV, press, radio, movies, Internet, and outdoor channels, is used but also an intensive visibility program was conducted on the field. Thanks to more than 1,000,000 POP materials, printed nationwide, it is ensured that it is announced both to merchants and consumers that June 30 is the last day and a support is obtained for utilization of PIN. In addition to these activities, a continuous and intensive PR program was conducted and our members have supported common communication platform through the messages that they have conveyed to their customers via their own communication channels and through regular informative events that they have organized. According to a customer survey, conducted at the end of July 2007, the awareness ratio of chip&pin has reached to 100% and the ratio of card holders that know their PINs has reached to 96%. When market data at the end of 2007 were examined, it is seen that the ratio of using PIN for shopping via credit cards became 94%. Benzinci Gas Station Restoran Restaurant 23

14 Hizmetler Services BKM nin düzenli olarak yürüttü ü iletiflim faaliyetleri sonucunda, banka kart n n al flverifllerde nakit yerine kullan lmas n n bilinirlik oran 2004 y l nda %44 iken, 2005 te %77 ye, 2007 y l nda ise %87 ye yükselmifltir döneminde gerçeklefltirilen banka kartı kampanyası, Reklamcılar Derne i ve Reklamverenler Derne i iflbirli iyle düzenlenen Effie Türkiye Reklam Etkinli i Yarıflması nda, 2007 yılında Finans kategorisinde Gümüfl Effie ile ödüllendirilmifltir. The debit card campaign, conducted in 2004 and 2005, was awarded in 2007 with Silver Effie in Finance category of Effie Turkey Advertising Effectiveness Competition, which was organized by cooperation of Turkish Association of Advertising Agencies and Association of Advertisers. Banka Kart Bilinçlendirme Kampanyas BKM, tüketicilerin al flverifllerde nakit yerine banka kart kullan m al flkanl klar n pekifltirmek ve banka kart kullan m n yayg nlaflt rmak amac yla yürüttü ü bilinçlendirme faaliyetlerine 2007 y l içinde de devam etmifltir. Banka Kart Demek Nakit Para Demek slogan ile 2004 y l ndan beri sürdürülen çal flmalar kapsam nda haz rlanan Paras z kampanyas, 19 Ekim 30 Kas m 2007 tarihleri aras nda tüm ulusal radyo kanallar nda, otobüs duraklar ndaki panolarda, gazete ve dergilerde yay nlanm flt r y l sonu itibariyle kartl ödemeler içinde %2 lik bir paya sahip olan banka kartl al flverifllerin art r lmas na yönelik çal flmalar 2008 y l içinde de devam edecektir. Tüketici Bilinci 2007 y l nda gerçeklefltirilen bir di er faaliyet ise, tüketicilerin gerek kredi kart, gerekse banka kart kullan m nda dikkat etmeleri gereken konular n ele al nd Kart Bilinci iletiflimi olmufltur. Bu iletiflim kapsam nda bir internet sitesi haz rlanm fl, site üzerinden gerekli tüm bilgiler hem tüketiciler, hem de üye iflyerleri ile paylafl lm flt r. Sitenin duyurulmas amac yla Temmuz ve Ekim aylar nda, en çok ziyaret edilen internet sitelerinde farkl banner uygulamalar yay nlanm flt r. Temmuz ay nda ilk dönemi gerçeklefltirilen bu yay nlar sonucunda tekil kullan c n n siteyi ziyaret etmesi sa lanm flt r. Kart Bilinci iletifliminin 2008 y l nda da sürdürülmesi planlanmaktad r. While the awareness ratio of usage of debit cards instead of cash in shopping was 44% in 2004, this ratio has increased to 77% in 2005 and to 87% in 2007, due to BKM s systematic communication operations. Debit Card Awareness Activities BKM has continued on the activities of awareness, which were performed to reinforce the consumers attitude of using their debit cards instead of cash during shopping and to make utilization of debit cards widespread, also in The campaign of Without Money, which was prepared as a part of the operations being performed since 2004 with the slogan of Debit Card Means Cash, was broadcasted in all national radio channels, on the boards of bus stops, newspapers, and magazines between October 19 - November 30, The efforts to increase the share of debit cards in shopping which is equal to 2% among the card payments as of the end of 2007, will also continue to be performed in Consumer Awareness Activities Another activity in 2007 was the communication of Card Awareness, in which the issues that consumers must take into consideration while using either their credit cards or debit cards. For this purpose, an internet site, is prepared and all necessary information was shared with both the consumers and member merchants through the site. Different banners were placed in various top visited websites in July and October in order to announce the site. As a result of these announcements, the first cycle of which was completed in July, it is ensured that 80,000 unique users have visited the site. It is planned that Card Awareness campaign also continues in Banka Kart Kampanyas Gazete ve Dergi lanlar Debit Card Campaign Print Magazine Ads 25

15 Türkiye de Kartl Ödeme Sistemleri Card Payment Systems in Turkey de toplam kredi kart say s bir önceki y la göre %15 lik bir art flla 37,3 milyona ulaflm flt r. Kredi Kartlar Türkiye deki kredi kart adedi 2007 y l sonu itibariyle, bir önceki y la göre %15 artarak 37,3 milyona ulaflm flt r. Taksit, puan uygulamalar gibi birtak m yan avantajlarla kullan c lar aç s ndan daha da cazip hale gelen kredi kartlar, nakit yerine alternatif bir ödeme arac olarak karfl m za ç kmaktad r. Kay td fl ekonomi ile mücadele anlam nda da önemli katk sa layan kredi kartlar ile 2007 de, toplam 1,37 milyar aflk n al flverifl ifllemiyle 128 milyar YTL al flverifl cirosu ve yaklafl k 74 milyon nakit avans ifllemiyle de 13,5 milyar YTL nakit avans cirosu gerçeklefltirilmifltir. The number of credit cards was increased by 15% compared to the previous year and reached to 37.3 million in Credit Cards The number of credit cards in Turkey was increased by 15% compared to the previous year and reached to 37.3 million in Credit cards, which became more attractive with several benefits such as installments and bonus points, are seen as a payment method, alternative to payments in cash. Credit cards, which are making great contributions to the efforts of dealing with informal economy, were used in 2007 in more than 1.37 billion transactions for 128 billion YTL shopping volume and in 74 million advanced cash withdrawal transactions for 13.5 billion YTL advanced cash withdrawal volume y l nda banka kartlar ile yap lan al flverifl ifllemlerinin cirosu bir önceki y la göre %54 lük bir art fl göstermifltir. Banka Kartlar Banka kartlar ülkemizde, bankadaki bir/birden fazla vadesiz hesaba ba l ve kullan labilir bakiye kadar Otomatik Vezne Makineleri (ATM) vas tas ile para çekme ve Sat fl Noktas Terminalleri (POS) arac l ile al flverifl yapma ifllemleri için kullan lmaktad r y l nda Türkiye deki banka/kurulufllar n ç kartm fl olduklar banka kart adetleri %4 lük bir büyümeyle 55,5 milyona ulaflm flt r. Bir önceki y la göre, banka kart ile yap lan al flverifl ifllemlerinin oran %48 artarken, al flverifl ifllem cirolar ise %54 artm flt r. Banka kartlar ile 2007 y l nda ATM lerden 127 milyar YTL tutar nda 545 milyon adet nakit çekim ifllemi gerçeklefltirilmifltir. In 2007, the volume of transactions has increased by 54% compared to last year. Debit Cards Debit cards are mainly used in our country in order to withdraw cash from Automatic Teller Machines (ATM), affiliated with one/multiple bank deposit accounts, subject to the amount of available balance, and for purchases through Point of Sale Terminals (POS). In 2007, the number of debit cards, issued by banks/institutions in Turkey, reached to 55.5 million by an increase of 4%. Also the ratio of transactions of purchases via debit card has increased by 48% whereas the volume of transactions has increased by 54% compared to last year. Debit cards were used in 2007 in order to withdraw a total amount of 127 billion YTL from ATMs in 545 million transactions Toplam Kredi Kart Say s Total Number of Credit Cards Yerli ve Yabanc Kredi Kartlar n n Yurtiçi fllem Hacmi (milyon YTL) Domestic Volume with Domestic & International Credit Cards (million YTL) Toplam Banka Kart Say s Total Number of Debit Cards Yerli ve Yabanc Banka Kartlar n n Yurtiçi fllem Hacmi (milyon YTL) Domestic Volume with Domestic & International Debit Cards (million YTL) 27

16 Türkiye de Kartl Ödeme Sistemleri Card Payment Systems in Turkey y l nda POS terminallerinde 1,44 milyar adet ifllem gerçeklefltirilmifl olup, yine 2007 y l sonu itibariyle Kartl Ödeme Sistemleri arac l yla ülkemize 2,63 milyar USD döviz girdisi sa lanm flt r. POS Terminalleri POS terminalleri, 2007 y l nda %13 büyüme oran ile 1,45 milyon adede ulaflm flt r. Y l sonu itibariyle yurtiçi banka kart ve kredi kartlar yla POS lar üzerinden gerçeklefltirilen ifllem adedi 1,44 milyar, toplam ifllem cirosu ise 130,4 milyar YTL dir. Otomatik Vezne Makineleri (ATM) / Banka fiube ve Ofisleri 2007 y l sonu itibariyle toplam ATM mevcuttur. Söz konusu ATM lerin adedi flubede, adedi ise flube d fl nda (offsite) bulunmaktad r. Üye banka/kurulufllar n flube ve ofis say s ise 2007 sonu itibariyle tür. The number of transactions performed through POS terminals was 1.44 billion, and net foreign currency inflow to our country was 2.63 billion USD by the means of Card Payment Systems as of the end of POS Terminals The number of POS terminals has reached to 1.45 million in 2007 with a growth rate of 13%. The number of domestic debit card and credit card transactions performed through POS terminals as of the year end was 1.44 billion and total transaction volume was billion YTL. Automatic Teller Machines (ATM) / Bank Branches and Offices As of the end of 2007, there are 18,800 ATMs throughout the country. 10,891 of them are located at the branches and remaining 7,909 ATMs are located offsite. The number of branches and offices of member banks/institutions is 8,073 as of the end of Ülkeye Getirilen Net Döviz Tutar 2007 y l sonu itibariyle yabanc bankalara ait kredi ve banka kartlar ile ülkemizde 5,9 milyar YTL tutar nda 17,9 milyon adet ifllem gerçeklefltirilmifltir. Bu y l toplam 4,6 milyar USD döviz girdisinin yan nda 1,97 milyar USD döviz ç kt s gerçekleflmifltir. Sonuç olarak 2007 y l sonu itibariyle, ülkemize net 2,63 milyar USD lik döviz Kartl Ödeme Sistemleri vas tas yla girmifltir. Net Foreign Currency Inflow To Turkey 17.9 million transactions were made with credit and debits cards, issued by foreign banks, as of the end of 2007 and the total amount of these transactions was 5.9 billion YTL. This year 4.6 billion USD foreign currency inflow as well as 1.97 billion USD foreign currency outflow was realized. As a result, net foreign currency inflow to our country was 2.63 billion USD by the means of Card Payment Systems as of the end of POS Terminalleri POS Terminals Otomatik Vezne Makineleri (ATM) Automatic Teller Machines (ATM) Ülkeye Giren Net Döviz Tutar (milyon ABD Dolar ) Net Foreign Currency Inflow to Country (million USD) 29

17 2007 de BKM Faaliyetleri Activities of BKM in y l nda BKM Yönlendirme Sistemi nin donan m süreklilik ortalamas %99,99 olup, sistemden geçen ifllem adedi tür. Marmara Bölgesi Marmara Region ; %36,5 Ege Bölgesi Aegean Region ; %14,7 ç Anadolu Bölgesi Central Anatolia Region ; %17,8 Karadeniz Bölgesi Black Sea Region ; %9,5 Do u Anadolu Bölgesi Eastern Anatolia Region ; %3,2 Güneydo u Anadolu Bölgesi Akdeniz Bölgesi South Eastern Anatolia Region Mediterranean Region ; %4, ; %13,3 KKTC Turkish Republic of Northern Cyprus 5.315; %0,6 Türkiye ve KKTC'de flyerlerinin Bölgelere Göre Da l m Toplam Distribution of Merchants in Turkey According to Geographical Regions Total 911, y l sonu itibariyle merkezimizin üye say s 27 dir. BKM Yönlendirme Sistemi nden 2007 y l nda toplam adet ifllem geçmifl, bunlardan adedi kabul (%82,17), adedi ret (%16,88) ve adedi iptal (%0,95) ifllemi olarak gerçekleflmifltir. Toplam ifllem adedinde 2006 y l na göre %12,88 oran nda art fl meydana gelmifltir y l nda Yurtiçi Takas ve Hesaplaflma (YTH) Sistemi nden toplam ifllem geçmifltir. Söz konusu ifllemlerin parasal karfl l YTL'dir y l na göre ifllem adedinde %10,28 ve ciro miktar nda da %27,17 oran nda art fl görülmüfltür. BKM Yönlendirme Sistemi 2007 y l Donan m Süreklilik ortalamas %99,99 - Veritaban Süreklilik ortalamas %99,99 ve Uygulama Süreklilik ortalamas %99,98 olarak gerçekleflmifltir. BKM üyelerinin planl kesinti, bak m, ar za vb. durumlar için sistemlerini kapatmalar nedeniyle ortaya ç kan Üye Süreklilik ortalamas %99,80 ve Türk Telekom kaynakl iletiflim kesintileri nedeniyle BKM ve Üyeler aras A Süreklilik ortalamas ise %99,90'd r. BKM Veri Ambar (BVA) projesi kapsam nda, BKM sistemlerindeki iflletim s ras nda elde edilen not-on-us otorizasyon ve takas verilerinin yan s ra, on-us verilerini sa layan üye say s 11 adete ç km flt r. 6 üye ile sertifikasyon çal flmalar ise halen devam etmekte olup, flu an itibariyle on-us ifllemlerin %48 i, tüm pazar n ise %74 hacmi BKM Veri Ambar nda toplanm flt r. BVA veri ve hizmet kalitesini art rmaya yönelik olarak di er BKM sistemlerinde özel düzenlemeler yap lm flt r. Üyelerimizden gelen talepler üzerine BVA n n üyeler taraf ndan etkin kullan m na yönelik 2 adet uygulamal e itim düzenlenmifltir. Teknolojik geliflmelere paralel olarak, BKM Online Sistemi bileflen mimarisi ve sunucu altyap s kullan lan ürünlerin en son sürümlerine yükseltilmifl, böylece sistem servislerinin devaml l sa lanm flt r. Yine üyelerimizden gelen talepler do rultusunda BKM Online Sistemi ne yönelik detayl ve uygulamal bir e itim organize edilmifl, üyelerimizden 44 adet personelin kat l m sa lanm flt r. BKM Switching System s Hardware Availability average for 2007 was 99.99%, and the total number of transactions through the system was 923,414,504. BKM Switch Sistemi nden Geçen fllemlerin Da l m Distribution of Transactions Through BKM Switch System 1- %85,91 KK Al flverifl / CC Purchase 2- %5,97 POS BK Al flverifl / POS DC Purchase 3- %2,79 KK Nakit Avans / CC Cash Advance 4- %2,23 ATM BK Para Çekme / ATM DC Cash Withdrawal 5- %1,96 ATM BK Bakiye Sorma / ATM DC Balance Query 6- %1,14 Visa ve MasterCard Yönlendirme / Visa and MasterCard Routing KK: Kredi Kart / CC: Credit Card BK: Banka Kart / DC: Debit Card Our center has 27 members by the end of In 2007, the total number of transactions through BKM Switch System was 923,414,504 and 758,808,478 of them where accepted (82.17%), 155,905,659 were rejected (16.88%) and 8,700,367 were reversed (0.95%). Total number of transactions has increased by 12.88%, compared to In 2007, the total number of transactions through Domestic Clearing and Settlement System (YTH) was 669,817,918, monetary value of which was 60,392,360,639 YTL. It is seen that the number of transactions has increased by 10.28% and the volume has increased by 27.17% compared to BKM Switching System s Hardware Availability average for 2007 was 99.99%, Database Availability was 99.99%, and Software Availability was 99.98%. Member Availability average of BKM members, which is calculated according to duration of shutdowns due to cases such as scheduled interruption, maintenance, failure etc., was 99.80% and Network Availability average between BKM and members due to communication interruptions caused by Turkish Telecom was 99.90%. As a part of BKM Data Warehouse (BVA) project, the number of members that are providing on-us data in addition to not-on-us authorization and clearing data that have been collected during the operation of BKM systems, has increased to 11. Certification operations with 6 members are currently continuing and as of today 48% of on-us transactions and 74% of the entire market is collected in BKM Data Warehouse. Several specific arrangements were made in other systems of BKM in order to increase the data and service quality of BVA and 2 practical training were organized based on effective utilization of BVA by the members upon their special requests. In parallel with technological developments, component architecture and server infrastructure of BKM Online System has been upgraded to the latest versions of products and so continuity of system services is achieved. Also a detailed and practical training for BKM Online System was organized upon requests of our members and 44 employees of our members have participated to this training. 31

18 2007 de BKM Faaliyetleri Activities of BKM in 2007 BKM, tüm flirket kapsam yla Türkiye de finans sektöründe ISO Bilgi Güvenli i Sertifikas na sahip ilk kurulufl olmufltur. BKM, 3-D Secure uygulama modelinde, dünyada ilk defa mobil imza entegrasyonunu gerçeklefltirmifltir. chip&pin geçiflinde projenin sa l kl olarak yürütülmesi, yönetilmesi, gerekli bilgilendirme ve koordinasyonun sa lanmas na yönelik çal flmalar yap lm flt r. Bu ba lamda EMV istatistiklerinin BKM sistemlerinden temin edilebilmesine yönelik altyap oluflturulmufl, üretilen raporlar üyelerle periyodik olarak paylafl lm flt r. Ayr ca sektörümüzün e itim ihtiyaçlar göz önünde bulundurularak EMV uygulamalar na yönelik iki adet e itim düzenlenmifl ve bu çerçevede 99 adet üye kat l mc s na konu hakk nda bilgi aktar lm flt r. BKM 3-D Secure uygulama modelinde 2007 y l itibariyle, bir bankam z n test ve sertifikasyon çal flmalar tamamlanm fl, iki bankam z n test ve sertifikasyon çal flmalar devam etmektedir. Ayr ca 5 adet üyemizin kat l m için gelifltirme çal flmalar devam etmektedir. BKM, 3-D Secure uygulama modelinde dünyada ilk defa mobil imza entegrasyonunu gerçeklefltirmifltir y l ndan itibaren bu hizmet üyelerimizin kullan m na aç lacakt r. Üyelerimize yurtd fl ödeme sistemleriyle takaslaflma ve ücretlendirme altyap s sa lamaya yönelik olarak, 2006 y l içinde gelifltirilen ve hizmete aç lan Uluslararas Hesaplaflma Sistemi AmEx modülü, bir üyemiz taraf ndan daha aktif olarak kullan lmaya bafllanm fl, di er bir üyemizle de test aflamalar tamamlanm flt r y l nda üyeleraras marka paylafl m na imkan tan mak üzere gelifltirilen altyap, gerekli uyarlama ve eklemeler sonras nda Nisan 2007 itibariyle üç üyemizin hizmetine sunulmufltur. zmir fl Süreklili i Yedekleme ( SY) Merkezi çal flmalar kapsam nda, BKM Yönlendirme Sistemindeki de iflikliklerin zmir deki sistemi güncellemesi için gerekli çal flmalar yap lm fl, uygulama ve veri güncellemeleri otomatik hale getirilmifltir. BKM taraf ndan tespit edilen veya BKM ye bildirilen problem ve isteklerin takibine yönelik olarak 2006 y l nda kurulumu gerçeklefltirilen BKM Yard m Masas, 2007 y l bafl itibariyle üyelerimizin de hizmetine aç lm flt r. Telefonla, elektronik postayla ve internet üzerinden problem ve isteklerin takibine imkan veren sistem arac l yla toplam 727 adet kay t etkin ve h zl yan tlanm flt r. BKM nin uluslararas ISO Bilgi Güvenli i standartlar na uyumlulu unun sa lanmas ve sertifikasyonunun tüm flirket kapsam nda al nmas için bir proje bafllat lm fl, bu amaçla BKM Bilgi Güvenli i Yönetim Sistemi (BGYS) oluflturularak 19 Nisan 2007 tarihinden itibaren BKM, ISO Bilgi Güvenli i Sertifikas kullanmaya hak kazanm flt r. BKM tüm flirket kapsam yla Türkiye de finans sektöründe bu sertifikaya sahip ilk kurulufl olmufltur. BKM was the first organization in Turkish financial industry that has been granted with ISO Information Security Certificate for its entire organization. Mobile signature integration with BKM 3-D Secure implementation model is successfully completed for the first time in the world Switch fllem statistikleri (milyon) Switch Transactions Statistics (million) We have carried on several efforts to ensure that the project for migration to chip&pin method is carried on, managed properly and information and coordination are provided. For this purpose an infrastructure for obtaining EMV statistics through BKM systems is established and the reports retrieved from these data are shared periodically with the members. Furthermore training needs of our industry were taken into consideration and two different trainings were given to 99 participants from our members regarding EMV applications. Testing and certification operations of one of our banks have been completed as of 2007 regarding BKM 3-D Secure implementation model and testing and certification operations of two more banks are still in progress. Furthermore improvement operations for the participation of 5 of our members are continuing. Mobile signature integration with BKM 3-D Secure implementation model is successfully completed for the first time in the world and this service would be available to all of our members as of AmEx module of International Settlement System, which was developed and commissioned in 2006 in order to provide our members a clearing and fee billing infrastructure linked with international payment systems, has started to be used actively by one of our members and testing operations with another of our member have been completed. The infrastructure, which was developed in 2005 in order to allow members to share brands among each other, is made available to three of our members as of April 2007 after necessary customizations and additional works are completed. As a part of the efforts for Izmir Business Availability Backup (ISY) Center, necessary works to update the system in Izmir with the changes in BKM Switching System, were completed and application and data updating became automated. BKM Help Desk, which was established in 2006 in order to follow up the problems and requests, either found by or notified to BKM, has been made available to our members as of early Totally 727 tickets were replied effectively and quickly through this system, which enables following up the problems and requests received via phone, , and Internet. A project was initiated to ensure compliance of BKM with international ISO Information Security standards and to include the entire company to the certification and BKM Information Security Management System (BGYS) was established for this purpose and BKM was granted the right to use ISO Information Security Certificate as of April 19, BKM was the first organization in Turkish financial industry that has been granted with this certificate for its entire organization. 33

19 2007 de BKM Faaliyetleri Activities of BKM in 2007 BKM ile üyeleri aras ndaki ters ibraz dokümanlar n n paylafl m n n, uluslararas ödeme sistemlerinde de oldu u üzere, takas uygulamas yla entegre bir yap ya kavuflturularak BKM Chargeback Doküman Yönetim Sistemi (CDYS) ikinci faz çal flmas tamamlan p proje 31 Aral k 2007 tarihi itibariyle tüm üyelerimizin kullan m na aç lm flt r y l sonu itibariyle, tüm üyelerimiz BKM Yönlendirme Sistemi yle IP protokolü arac l yla iletiflim kurabilir duruma gelmifltir. BKM bünyesindeki tüm kullan c ve sistem odas yönetim bilgisayarlar ve yaz c lar üyelerimize daha etkin ve h zl hizmet vermek için yenilenmifltir. BKM ile üyeleri aras ndaki ters ibraz dokümanlar n n paylafl m n n, uluslararas ödeme sistemlerinde de oldu u üzere, takas uygulamas yla entegre bir yap ya kavuflturularak BKM Chargeback Doküman Yönetim Sistemi (CDYS) ikinci faz çal flmas tamamlan p proje 31 Aral k 2007 tarihi itibariyle tüm üyelerimizin kullan m na aç lm flt r. BKM yönlendirme sisteminin, donan m ve yaz l m olarak güncel teknolojilere uyum sa lamas ve artan ifllem adetlerini karfl layacak flekilde yeniden yap land r lmas kapsam nda ön haz rl k ve projelendirme çal flmalar tamamlanm fl, 2008 y l içinde sat n al mlar gerçeklefltirilip projenin hayata geçirilmesi sa lanacakt r. Türk Telekom ile bafllat lan çal flma kapsam nda üyelerimizin BKM ba lant hat kapasiteleri art r lm fl, devre yedeklemeleri birebir hale getirilmifltir. BKM nin üyelerine internet üzerinden vermekte oldu u hizmetlerin art fl na paralel olarak, internet ç k fllar iki adet 2 Mbps kapasitesine ç kart lm flt r. Fiber ba lant lar için kullan lan sonland rma cihaz n n yenilenmesi için siparifller verilmifl, kurulufl aflamas na geçilmifltir. BKM deki sunucular n merkezi yönetime olanak verecek System Center Operation Manager 2007 kurulumu tamamlanm flt r de gerçeklefltirilmesine karar verilen ve sunucular n konsolidasyonuna imkan tan yacak sanallaflt rma çal flmalar bafllat lm flt r. BKM BT güvenlik altyap s n n güncel tutulmas ve Ödeme Kartlar Endüstrisi (PCI) standard uyumlulu unun devam n n sa lanmas amac yla, harici ve dahili güvenlik aç taramas ile dahili güvenlik taramas testleri periyodik ve düzenli olarak yapt r lm fl, ortaya ç kan eksikler tamamlanarak, üyelerimize verilen hizmetin güvenirli inin tam olmas hedeflenmifltir. BKM Yönlendirme, Entegrasyon ve Online Sistemleri kapsam nda yap lan de ifliklik ve düzenlemeler arac l yla uluslararas ödeme sistemleri ile (Visa, MasterCard, AmEx) uyumlulu un korunmas amaçlanm flt r. Bunun yan s ra sunulan hizmetlerin kalitesinin art r lmas ve verimlili in sa lanmas amac yla birtak m yeni düzenlemeler de hayata geçirilmifltir. (Üyeler aras nda daha kapsaml veri iletifliminin sa lanmas na yönelik olarak; BKM Yönlendirme Sistemi kapsam nda MasterCard cashback ifllemlerinin desteklenmesi, Kredi Kart Ödeme, POSPara ve temass z kart uygulamalar n n kullan ma aç lmas, Visa VDPS geçifli BKM YTH Modülü kapsam nda temass z kredi kart takas yap s n n ve POSPara uygulamalar n n Nisan 2007 sürümü içerisinde uygulamaya al nmas, BKM Veri Ambar kapsam nda; Not-on-Us EMV ceza ve 3-D Secure teflvik uygulamalar n n ve istatistiklerinin oluflturulmas.) Second phase of BKM Chargeback Document Management System (CDYS), which had been initiated to ensure that sharing of chargeback documents between BKM and its members is integrated with clearing application as in international payment systems, was completed and the project became available for all of our members as of December 31, As of the end of 2007 all of our members become available to communicate through IP protocol of BKM Switching System. All user and system room management computers as well as printers within BKM were renewed in order to offer more effective and faster service to our members. Second phase of BKM Chargeback Document Management System (CDYS), which had been initiated to ensure that sharing of reverse presentation documents between BKM and its members is integrated with clearing application as in international payment systems, was completed and the project became available for all of our members as of December 31, 2007 Preliminary preparation and project preparation operations for reconfiguration of BKM Switching System so as to meet increasing number of transactions as well as to keep its hardware and software upgraded in accordance with the latest technology, have been completed and it is planned that procurement operations will be completed and the project will be implemented in As a part of the project being conducted with Turkish Telecom, BKM connection line capacities of our members have been increased and session backups were converted to one-to-one. In parallel with the increase in services being offered to BKM members through Internet, two Internet output capacities were increased to 2 Mbps. Orders were placed for renewal of termination device, used for fiber connections, and installation phase has begun. Installation of System Center Operation Manager 2007, which enables central management of the servers in BKM, has been completed and virtualization efforts that will allow consolidation of servers and which were decided to be completed in 2008, have already been started. External and internal security scan and penetration tests are conducted periodically and regularly to ensure that BKM s IT security infrastructure is kept updated and compliance with Payment Cards Industry (PCI) standard is maintained and any deficiencies found as a result of these tests were resolved and it is aimed that the service we are providing to our members is completely reliable. It is aimed to maintain compliance with international payment systems (Visa, MasterCard, AmEx) through the changes and arrangements in BKM Switching, Integration, and Online Systems. Furthermore several new arrangements were implemented in order to increase the quality of service being offered and to ensure productivity (In order for ensuring that data is transferred more comprehensively among the members, supporting MasterCard cashback transactions within BKM Switching System; availability of Credit Card Payment, POSPara, and contactless card applications; Visa VDPS transition; implementation of contactless credit card clearing structure and POSPara applications as a part of April 2007 version of BKM Domestic Clearing and Settlement Module; generating Not-on-us EMV penalties and 3-D Secure incentive applications and statistics as a part of BKM Data Warehouse Project.) 35

20 2007 de BKM Faaliyetleri Activities of BKM in 2007 Mevcut BKM uygulamalar nda, BKM çal flma komitelerince öngörülen taleplerin karfl lanmas, performans iyilefltirme, uygulama s ras nda tespit edilen ya da oluflmas muhtemel hatalar n giderilmesi, kullan m n kolaylaflt r lmas gibi amaçlar karfl lamaya yönelik olarak çal flmalar düzenli olarak sürdürülmüfltür. Takas ve hesaplaflma hizmetlerinde, üyelerce oluflturulan takas verilerinin, di er tüm üye sistemlerince daha sa l kl bir flekilde ifllenebilmesi amac yla ihtiyaç duyulan yeni düzenlemeler hayata geçirilmifltir. Merkezi flyeri Veritaban Modülü efllefltirme algoritmalar iyilefltirilmifl, yeni algoritmalar dahilinde mevcut tüm iflyeri bilgileri sistem iflletmenlerince yeniden gözden geçirilmifl, ayr ca söz konusu manuel efllefltirme süreçlerine iflletmenler taraf ndan daha etkin ve verimli kullan labilmesine yönelik olarak skorlama ve çok kullan c deste i uygulamalar eklenmifltir. Temass z ve ön-ödemeli kartlar n yurtiçi uygulama standartlar n n oluflturulmas amac yla standart çal flmalar tamamlanm fl ve sektörün kullan m na sunulmufltur. The efforts, prescribed by BKM committees, in order to meet the requests, to improve the performance, to eliminate the problems that are detected or may occur during the implementation, and to facilitate the utilization in current BKM applications were carried on regularly. New arrangements, needed by all other member systems for processing clearing data of members in a healthier manner, have been implemented in clearing and settlement services. Matching algorithms of Central Merchant Database Module have been improved, all merchant details have been reviewed by system operators in accordance with new algorithms, and applications such as scoring and multi-user support are added to the said manual matching processes in order to ensure that they are used more effectively and productively by the operators. Studies on the standards for determining the local implementation standards of contactless and prepaid cards have been completed and made available to the industry. Temass z ve ön-ödemeli kartlar n yurtiçi uygulama standartlar n n oluflturulmas amac yla standart çal flmalar tamamlanm fl ve sektörün kullan m na sunulmufltur. Sektörle ilgili devlet kurum ve kurulufllar ndan gelen bilgi ve uygulama talepleri zaman nda karfl lanm flt r. Çal flma gruplar nda BKM ve üyeleri temsil edilmifllerdir y l içerisinde, çeflitli nedenlerle (yeni üye sertifikasyonlar, yeni fonksiyon sertifikasyonlar, üye sistem de ifliklikleri, IP dönüflümleri, vb.) üyelerle toplam saat Test ve Sertifikasyon çal flmas yap lm flt r. Bu testler kapsam nda, BKM mühendisleri üyelere kesintisiz dan flma ve destek hizmeti sa lam fllard r y l na kadar, 12 POS Marka/Model için tamamlanan BKM POS EMV OnSite Sertifikasyonu, 2007 y l nda da devam etmifl ve ilave 5 POS Marka/Modeli için daha gerçeklefltirilmifltir. Ayr ca, 2005 ve 2006 y l nda toplam 5 Marka/Model ATM cihaz için gerçeklefltirilen BKM ATM EMV OnSite Sertifikasyonu, 2007 y l nda 1 Marka/Model ATM cihaz için daha uygulanm flt r y l nda, BKM üzerinden MasterCard a ç k fl yapan üyelerimiz kapsam nda 10 üye ile 28 MasterCard sertifikasyon projesi, Visa ya ç k fl yapan üyelerimiz kapsam nda 8 üye ile 13 Visa sertifikasyon projesi ve AmEx e ç k fl yapan 2 üyemiz kapsam nda ise 2 AmEx ATM sertifikasyon projesi gerçeklefltirilmifltir. Studies on the standards for determining the local implementation standards of contactless and prepaid cards have been completed and made available to the industry. Information and implementation requests, received from the relevant regulatory institutions and organizations, regarding the industry have been timely met and BKM and its members were represented in workgroups. In 2007, totally 1,191 hours of Testing and Certification operations were performed with members due to various reasons (new member certifications, new function certifications, member system changes, IP conversions, etc.). For purposes of these tests, BKM engineers have provided uninterrupted consultancy and support services. BKM POS EMV OnSite Certification, which was completed for 12 POS Brands/Models until 2006, has also continued in 2007 and was also completed for additional 5 POS Brands/Models. Furthermore, BKM ATM EMV OnSite Certification, completed for 5 Brands/Models of ATM devices in 2005 and 2006, was also applied for 1 Brand/Model of ATM devices in In 2007, 28 MasterCard ATM certification projects for 10 members connecting MasterCard via BKM, 13 Visa ATM certification projects for 8 members, connecting Visa via BKM, and 2 AmEx ATM certification projects for 2 members, connecting AmEx via BKM were completed. 37