Transform Finance with One Intelligent Platform.
Linktera LABS develops proprietary AI-powered solutions that help financial institutions simplify complexity, accelerate innovation, and unlock new opportunities.
Built as one integrated platform, our portfolio combines Financial Intelligence, Regulatory Intelligence, Decision Intelligence, and Digital Banking through shared AI, analytics, integration, and data services.
Organizations can adopt individual capabilities or leverage the full platform to modernize financial operations, strengthen compliance, and improve decision-making.
More than a product portfolio, Linktera LABS is the technology foundation that enables financial institutions to innovate with confidence, scale efficiently, and accelerate sustainable digital transformation.
15+
Products
300+
Professionals
300M+ ₺
Invested in just 5 years
25+
Banking Partners
Linktera LABS
Transform Finance with
One Intelligent Platform
Linktera LABS develops proprietary AI-powered solutions that help financial institutions simplify complexity, accelerate innovation, and unlock new opportunities.
Built as one integrated platform, our portfolio combines Financial Intelligence, Regulatory Intelligence, Decision Intelligence, and Digital Banking through shared AI, analytics, integration, and data services.
Organizations can adopt individual capabilities or leverage the full platform to modernize financial operations, strengthen compliance, and improve decision-making.
More than a product portfolio, Linktera LABS is the technology foundation that enables financial institutions to innovate with confidence, scale efficiently, and accelerate sustainable digital transformation.
15+
Products
300+
Professionals
300M+
Transactions in 5 yrs
25+
Banking Partners
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
Explore our portfolio of proprietary AI-powered solutions that help financial institutions solve complex challenges across Financial Intelligence, Regulatory Intelligence, Decision Intelligence, and Digital Banking—all through one integrated platform.
Simplify your payment, elevate your growth.
Payify enables financial institutions to deliver secure, scalable digital payment and financial services through a modular platform—reducing time-to-market while improving customer experience and operational efficiency.
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.
Your treasury. Centralized. Real-time. In control.
SpineX unifies treasury, pricing, and profitability operations on a single platform—improving liquidity management, accelerating financial decisions, and providing real-time visibility across treasury operations.
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.
Detect anomalies before they become risks.
DAT continuously monitors enterprise data to detect hidden anomalies before they impact business operations—improving data quality, operational reliability, and decision confidence.
Multi-dimensional risk. One decisive view.
RateLink provides a unified view of credit risk by combining application, behavioral, and group-level ratings—helping financial institutions strengthen portfolio monitoring and improve risk decisions.
IFRS 9, handled end-to-end.
TERA9 streamlines IFRS 9 compliance through automated ECL calculations, scenario simulations, and audit-ready processes—helping financial institutions improve accuracy while reducing operational effort.
Turn financial complexity into profitable decisions.
proFIT enables financial institutions to simulate profitability, pricing, and capital scenarios in real time—supporting better strategic decisions and more efficient capital allocation.
Simplify regulatory capital management. Stay compliant.
CreditLink simplifies regulatory capital calculations and reporting by bringing data, calculations, and governance together on a single platform—improving accuracy, transparency, and compliance.
Forecast with confidence.
SalesForecast transforms historical data into accurate sales and cash flow forecasts—supporting smarter planning, budgeting, and business growth.
See risk before it sees you.
CreditWatch continuously monitors your credit portfolio to detect behavioral changes and emerging risks early—helping financial institutions take proactive action before risks turn into losses.
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.
Enterprise AI Agent Orchestration, Fully On-Premises.
Build, orchestrate and deploy intelligent automation at enterprise scale with local LLMs, complete data sovereignty and zero cloud dependency.
Group data. One truth.
Finsolidate ingests, validates, and consolidates financial data across subsidiaries—creating a trusted, audit-ready foundation for reporting and analytics.
Data & Analytics Foundation
4 products
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.
Group data. One truth.
Finsolidate ingests, validates, and consolidates financial data across subsidiaries—creating a trusted, audit-ready foundation for reporting and analytics.
AI
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.
AI
Detect anomalies before they become risks.
DAT continuously monitors enterprise data to detect hidden anomalies before they impact business operations—improving data quality, operational reliability, and decision confidence.
Credit Risk, Rating & Capital
5 products
Simplify regulatory capital management. Stay compliant.
CreditLink simplifies regulatory capital calculations and reporting by bringing data, calculations, and governance together on a single platform—improving accuracy, transparency, and compliance.
AI
IFRS 9, handled end-to-end.
TERA9 streamlines IFRS 9 compliance through automated ECL calculations, scenario simulations, and audit-ready processes—helping financial institutions improve accuracy while reducing operational effort.
Multi-dimensional risk. One decisive view.
RateLink provides a unified view of credit risk by combining application, behavioral, and group-level ratings—helping financial institutions strengthen portfolio monitoring and improve risk decisions.
AI
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.
AI
See risk before it sees you.
CreditWatch continuously monitors your credit portfolio to detect behavioral changes and emerging risks early—helping financial institutions take proactive action before risks turn into losses.
Profitability & Treasury
3 products
Turn financial complexity into profitable decisions.
BRM centralizes all regulatory and internal reporting into a single source of truth — automating workflows, ensuring compliance, and eliminating reconciliation headaches.
Your treasury. Centralized. Real-time. In control.
SpineX unifies treasury, pricing, and profitability operations on a single platform—improving liquidity management, accelerating financial decisions, and providing real-time visibility across treasury operations.
Vertebra
AI
Modular AI-powered platform unifying financial analytics, risk, treasury, performance, and regulatory management.
Automation & Efficiency
2 products
Payments & Digital Banking
1 products
Simplify your payment, elevate your growth.
Payify enables financial institutions to deliver secure, scalable digital payment and financial services through a modular platform—reducing time-to-market while improving customer experience and operational efficiency.
Why Linktera LABS?
Six reasons financial institutions choose our platform
One Integrated Ecosystem
Deploy individual products or the complete platform—all built on a shared architecture, common data foundation, and AI-powered services.
AI Across the Portfolio
Embedded AI and machine learning across credit, risk, treasury, profitability, regulatory, and digital banking workflows.
Flexible Configuration
Configure business rules, workflows, and decision logic with minimal IT dependency, enabling faster adaptation to changing business needs.
Regulatory-Grade Compliance
Built-in governance with audit trails, maker-checker controls, role-based access, and full regulatory traceability.
Enterprise-Proven
Trusted by leading financial institutions with enterprise-scale deployments across mission-critical business operations.
Continuous R&D
Continuously evolving products that keep pace with regulatory change, emerging technologies, and market demands.
Why Linktera LABS?
Unify treasury, pricing, profitability, and forecasting to improve financial visibility, optimize capital allocation, and support faster, more informed decisions.
Simplify regulatory reporting, capital management, and compliance with automated, auditable solutions built for evolving regulatory requirements.
Enhance credit decisions with AI-powered scoring, portfolio monitoring, and early warning capabilities that help identify risks sooner and improve decision quality.
Enable secure, scalable payment and digital financial services through seamless integration with existing banking infrastructure.
Deploy capabilities independently or as part of one integrated platform—enabling financial institutions to modernize at their own pace without disrupting existing operations.
