Business Challenge

KKB needed a highly scalable deployment platform for an array of cloud-native and traditional applications

Solution

KKB chose to develop and deploy its services using IBM Cloud Private and IBM Cloud Automation Manager software

Results & Next Steps

Fraud-alert service

available to all banks in Turkey

Dramatically reducing costs

for Turkey's banking industry

Developing optimal strategies and IT architecture

for future services in development

Business Challenge story

Adopting a cloud mindset

With the vision of bringing technological value to the market, KKB constructed a new data center in Ankara where it aims to consolidate and deliver several crucial business services to its member banks, small and medium enterprises, and other institutions. KKB also has a vision of providing all these services with a "cloud mindset", adopting next-generation deployment and business models. To start, KKB launched some third-party, traditional solutions from the  data center. But with in-house, cloud-native apps in development, it needed a deployment platform that could manage both types of applications. And scalability was another critical need, because KKB expected dramatic fluctuations in demand.

This system will be quite efficient in that it will bring in profitable results for the sector and favourable consequences in the fight against fraud.

—Koray Kaya, Vice President of Marketing and Business Development, Kredi Kayıt Bürosu

Solution story

Launching a new service

The first business service KKB planned to launch from the new data center was an anti-fraud solution for banks called FraudNET. Although FraudNET is a traditional, on-premises application, KKB wanted to provision and orchestrate the app's infrastructure with cloud methodologies. The bureau chose IBM Cloud Private and IBM Cloud Automation Manager software over a competing solution for several reasons:

  • The IBM solutions are "open by design", so KKB avoids vendor lock-in
  • Tailor-made, end-to-end solution capabilities provided greater flexibility
  • The IBM team dedicated itself to KKB's business success

Results & Next Steps story

Moving trom traditional IT to cloud-native

KKB launched the FraudNET solution by on-boarding four banks as a start, and the bureau expects to expand the service's reach considerably. According to Koray Kaya, KKB's Executive Vice President of Marketing and Business Development, making the fraud-alert solution available as a service to any banks in Turkey is a major cost-efficiency gain for the country's banking industry. "If handled one by one by each and every bank, this infrastructural process requires much higher set-up costs," explains Kaya. "However, by managing this process within the body of Credit Bureau of Turkey, we could both make a considerable saving in the infrastructural set-up costs and build a shared system for the use of the sector. This system will be quite efficient in that it will bring in profitable results for the sector and favourable consequences in the fight against fraud."  

One of KKB's next major projects for its hybrid-cloud infrastructure is an integration service to centralize how Turkey's banks transact with bill-payment institutions. Currently, the country's 40 major banks must establish one-to-one integrations with 300 bill-payment institutions, creating approximately 12,000 such one-to-one integrations across the sector. But by establishing a central hub for these integrations, KKB estimates that it can reduce associated costs for the banking industry to a fifteenth of current levels.

As KKB continues to develop new cloud-native apps using IBM Cloud Private, IBM is assisting the client in developing optimal business strategies, IT architecture and deployment paths. in this journey and we will help KKB transition from traditional technology infrastructure to a cloud-native technology provider.

By positioning Credit Bureau of Turkey like a hub to establish this connection between bill payment institutions and banks...we aim to reduce the costs down to around one fifteenth of the current expenses.

—Koray Kaya, Executive Vice President of Marketing and Business Development, KKB

About Kredi Kayıt Bürosu

The first and only credit scoring bureau in Turkey, KKB was established in 1995 through a partnership of nine leading Turkish banks. It is a non-profit entity whose mission is to add value to the Turkish economy by helping increase the transparency of risk factors in the market, promoting greater business volume overall. Today, KKB has a membership of more than 180 financial organizations.

Take the next step

Learn more about IBM Cloud Private and IBM Cloud Automation Manager