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Transform your future with technology built to lead.

Bold ideas don’t wait.

That’s why LinkteraLABS exists as the core engine of disruptive, scalable, tech-first solutions.

Born from a decade of digital expertise and shaped by a product mindset, LABS builds tools that are cloud-native, AI-powered and architecture-agnostic, ready to drive the next wave of transformation.

This is not where ideas end. This is where the future begins: engineered, tested and deployed.

10+

Products

300+

People in the Linktera family

300M+ ₺

Invested in just 5 years

25+

Banks in Partnership

Transform your future with technology built to lead.

Bold ideas don’t wait.

That’s why LinkteraLABS exists as the core engine of disruptive, scalable, tech-first solutions.

Born from a decade of digital expertise and shaped by a product mindset, LABS builds tools that are cloud-native, AI-powered and architecture-agnostic, ready to drive the next wave of transformation.

This is not where ideas end. This is where the future begins: engineered, tested and deployed.

300+

People in the Linktera family

10+

Products

150M+ ₺

Transactions Monthly

25+

Banks in Partnership

Our products are driven by real-world challenges, engineered with deep technical expertise, and designed to evolve through continuous innovation. Explore our portfolio where scalability meets AI-native design, hyperautomation, and real-time intelligence.

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Banking that moves at your customer's speed.

Payify is a mobile banking platform that empowers financial institutions to deliver fast, secure, and personalized digital experiences. It integrates easily with existing systems, enhancing user journeys with intuitive interfaces and advanced payment features. Its scalable architecture enables quick deployment and ongoing innovation.

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One platform. Every report. Zero compromise.

BRM centralizes all regulatory and internal reporting into a single source of truth — automating workflows, ensuring compliance, and eliminating reconciliation headaches.

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Your treasury. Centralized. Real-time. In control.

SpineX unifies treasury operations on one platform — enabling faster decisions, better liquidity management, and full visibility over cash flow and risk.

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Smarter credit decisions. No code required.

CreditBoost automates approvals, limits, and collections for Retail, Micro, and SME segments — powered by a field-proven AI score and dynamic no-code decision trees.

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Hidden anomalies don't stand a chance.
DAT scans your entire data universe with AI and ML — catching not just errors, but the complex, hidden patterns that break your data-driven processes before you even notice.

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IFRS 9, handled end-to-end.
Tera9 delivers fast, flexible ECL calculations with full audit trails, scenario simulations, and maker-checker controls — built for banks that can't afford uncertainty in their provisioning.

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Turn complexity into clarity.

Model risk, cost, and capital — all at once. proFIT lets you simulate profitability scenarios in real time, so you price smarter, allocate capital better, and lead with confidence.

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Know what's coming before it arrives.

SalesForecast analyzes historical data, seasonality, and market trends to predict sales volumes and cash flows — eliminating uncertainty from budgeting and resource planning.

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See risk before it sees you.

CreditWatch monitors your entire credit portfolio continuously — detecting behavioral shifts and emerging risks before they become losses. Proactive. Precise. Always on.

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Automate the workflow. Trust the numbers.

Pure Balance eliminates manual errors by automating data mapping, transformation, and analysis — powered by an extensive rule library, customizable rule sets, and AI-driven anomaly detection for greater accuracy and reliability.

Why Linktera LABS?

Smarter credit decisions powered by next-generation AI, with sharper approvals, stronger early warning, and clearer portfolio visibility

A centralized regulatory and internal reporting engine that automates workflows, ensures compliance, and removes reconciliation complexity

Treasury and financial planning operations unified on one platform, delivering real-time visibility, faster decisions, and fewer surprises

Mobile and payment experiences enhanced with speed, personalization, and seamless integration into existing infrastructure

Forward-looking intelligence across sales forecasts, market trends, and capital simulations that turns uncertainty into a planning advantage

A complete product family covering credit, treasury, reporting, payments, and analytics. Battle-tested, modular, and built to lead

Ready to transform your future?

Partner with Linktera to design secure, scalable digital systems that power agility, resilience, and long-term growth.
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Payify is a mobile banking enhancement platform that enables financial institutions to deliver faster, more secure, and highly personalized digital experiences. By seamlessly integrating into existing banking infrastructures, it enhances user journeys with intuitive interfaces, advanced payment capabilities, and customizable features that improve customer engagement and satisfaction. With its flexible and scalable architecture, Payify allows institutions to rapidly adapt to evolving customer expectations while maintaining high security and performance standards. Its modular structure supports quick deployment, cost efficiency, and continuous innovation, helping banks accelerate digital transformation and stay competitive in a dynamic financial ecosystem.

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It is a comprehensive reporting solution that enables financial institutions to manage all regulatory and internal control reports on a single platform. By centralizing data, processes, and workflows, BRM ensures consistency, accuracy, and compliance while creating a single source of truth that eliminates discrepancies and reduces operational risk. With its scalable and flexible architecture, BRM supports end-to-end reporting lifecycle management — from data collection and validation to report generation and submission. Built-in controls, automation, and seamless integration with risk and analytics systems enhance efficiency, ensure transparency, and help institutions quickly adapt to evolving regulatory requirements.

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SpineX is a treasury management solution designed to enhance speed, agility, and collaboration across financial institutions. By centralizing treasury processes on a single platform, it streamlines communication between departments and enables real-time access to critical financial data, supporting faster and more informed decision-making. With its flexible and scalable architecture, SpineX adapts to evolving business needs and modern working environments, including remote and hybrid models. It improves operational efficiency through automation, strengthens visibility and control over treasury activities, and empowers institutions to manage liquidity, risk, and cash flow more effectively.

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Credit Boost is a high-performance AI Decision Support Tool and scoring solution tailored for Retail, Micro, and SME segments. Its flexible No-Code architecture automates critical decisions such as approvals, limits, collateral, and maturity through dynamic decision trees, while maximizing collection performance via automated credit bureau (KKB) data parsing, actionable advanced reporting, and AI-based NPL management. Empowered by a field-proven, ready-to-use AI score trained on big data, it accelerates your risk decisions and ensures reliability across your portfolio.

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Data Anomaly Tracker (DAT) analyzes your data universe with a holistic approach using Artificial Intelligence and Machine Learning, detecting not just isolated errors but also hidden anomalies arising from complex relationships within data sets. By evaluating deviations from normal data flow within the big picture and identifying them in real-time, the system maximizes operational security and efficiency, enabling rapid action to maintain the health of all your data-driven processes.

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RateLink is an integrated platform designed to optimize risk assessment processes for financial institutions from end-to-end, consolidating powerful calculation modules such as Application, Parent Company Support, Override, and Behavioral Rating under a single roof. By analyzing customer risk profiles with a multi-dimensional approach, the system empowers you to make data-driven strategic decisions and execute top-level risk management through dynamic dashboards for real-time portfolio monitoring and transparent detailed reports that drill down to the sub-parameters of calculated scores.

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Tera9 is an advanced platform designed to deliver fast, flexible, and reliable IFRS 9 ECL calculations. Built on a robust Python infrastructure with a modern Java-based interface, it enables seamless integration while offering comprehensive scenario and metric simulations, individual assessments, and detailed reporting. All scenario and metric changes are automatically stored in DWH systems, ensuring a complete historical audit trail. With role-based access, a maker-checker framework, and full audit capabilities, Tera9 provides end-to-end regulatory compliance and makes IFRS 9 processes more transparent, controlled, and efficient. The solution has already been successfully implemented in both domestic and international banks of all sizes.

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The proFIT

Modeling Tool transforms strategic decision making for financial institutions by going beyond traditional reporting to deliver a dynamic scenario analysis engine. It enables users to simulate and instantly recalculate key profitability drivers such as risk adjusted return, operating costs, expected loss, and economic capital, providing a clear and comprehensive view of their combined impact on return on capital. By leveraging advanced analytics and a flexible modeling framework, the solution allows institutions to evaluate multiple scenarios, test sensitivities, and respond proactively to changing market conditions. It supports more accurate capital allocation and pricing strategies, enhances transparency across financial performance metrics, and helps organizations maximize risk adjusted profitability while maintaining strong governance and control.

CreditLink is an AI-powered decision and scoring tool designed to transform personal loan approvals. It enables financial institutions to evaluate risk, streamline lending decisions, and optimize scoring with unprecedented accuracy making smarter lending decisions easier than ever.

SalesForecast is an AI-driven forecasting platform designed to predict future sales volumes and associated cash flows with high precision. By analyzing historical performance data, seasonality effects, and market trends within a holistic model, the system eliminates uncertainty in inventory management, budgeting, and strategic resource planning processes, enabling you to achieve data-driven and profitable growth targets.

CreditWatch is an AI powered early warning platform designed to empower banks to manage their credit portfolios proactively and with greater precision. Leveraging advanced analytical models and flexible rule sets, the system monitors customer behavior and detects emerging risks in real time, helping institutions take timely actions to minimize Non Performing Loan ratios and prevent potential losses. By combining machine learning with configurable business rules, CreditWatch enables continuous risk assessment across the entire portfolio, enhancing visibility and control over credit exposure. Its scalable and flexible architecture allows seamless integration into existing systems while supporting automated workflows and faster decision making. This not only strengthens profitability but also ensures sustainable portfolio health and more resilient credit risk management over the long term.

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Automate the workflow. Trust the numbers.

Pure Balance eliminates manual errors by automating data mapping, transformation, and analysis — powered by an extensive rule library, customizable rule sets, and AI-driven anomaly detection for greater accuracy and reliability.

Contact Form

Please make sure to fill in all the required information so we can get back to you.

Contact Form

Please make sure to fill in all the required information so we can get back to you.