Tek bir akıllı platformla finans sektörünü dönüştürün.

Linktera LABS, finans kurumlarının karmaşıklığı basitleştirmesine, inovasyonu hızlandırmasına ve yeni fırsatların önünü açmasına yardımcı olan, yapay zeka destekli özel çözümler geliştiriyor.

Tek bir entegre platform olarak tasarlanan portföyümüz, paylaşılan yapay zeka, analitik, entegrasyon ve veri hizmetleri aracılığıyla Finansal İstihbarat, Düzenleyici İstihbarat, Karar Zekası ve Dijital Bankacılığı bir araya getiriyor.

Kuruluşlar, finansal operasyonlarını modernize etmek, uyumluluğu güçlendirmek ve karar alma süreçlerini iyileştirmek için bireysel yetenekleri benimseyebilir veya platformun tamamından yararlanabilirler.

Linktera LABS, bir ürün portföyünden daha fazlası; finans kurumlarının güvenle yenilik yapmalarını, verimli bir şekilde ölçeklenmelerini ve sürdürülebilir dijital dönüşümü hızlandırmalarını sağlayan teknoloji altyapısıdır.

15+

Ürünler

300+

Profesyoneller

300M+₺

Sadece 5 yılda yatırım yapıldı

25+

Bankacılık Ortakları

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

Finansal kurumların Finansal İstihbarat, Düzenleyici İstihbarat, Karar Zekası ve Dijital Bankacılık alanlarındaki karmaşık zorluklarını tek bir entegre platform üzerinden çözmelerine yardımcı olan, yapay zeka destekli tescilli çözümler portföyümüzü keşfedin.

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.

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.

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.

Veri ve Analitik Vakfı

4 ürün

Tek platform. Tüm raporlar. Sıfır taviz.

BRM, tüm düzenleyici ve dahili raporlamayı tek bir doğru bilgi kaynağında merkezileştirerek iş akışlarını otomatikleştirir, uyumluluğu sağlar ve mutabakat sorunlarını ortadan kaldırır.

Grup verileri. Tek gerçek.

Finsolidate, iştirakler genelindeki finansal verileri alır, doğrular ve birleştirir; böylece raporlama ve analiz için güvenilir, denetime hazır bir temel oluşturur.

İş akışını otomatikleştirin. Rakamlara güvenin.

Pure Balance, kapsamlı bir kural kütüphanesi, özelleştirilebilir kural setleri ve daha yüksek doğruluk ve güvenilirlik için yapay zeka destekli anormallik tespiti sayesinde veri eşleme, dönüştürme ve analizini otomatikleştirerek manuel hataları ortadan kaldırır.

Anormallikler risk haline gelmeden önce tespit edin.

Anormallikler risk haline gelmeden önce tespit edin.

Kredi Riski, Derecelendirme ve Sermaye

5 ürün

Mevzuat kapsamındaki sermaye yönetimini basitleştirin. Mevzuata uygun kalın.

CreditLink, veri, hesaplamalar ve yönetişimi tek bir platformda bir araya getirerek düzenleyici sermaye hesaplamalarını ve raporlamayı basitleştirir; böylece doğruluğu, şeffaflığı ve uyumluluğu artırır.

IFRS 9, baştan sona ele alındı.

TERA9, otomatik ECL hesaplamaları, senaryo simülasyonları ve denetime hazır süreçler aracılığıyla IFRS 9 uyumluluğunu kolaylaştırır; finans kurumlarının doğruluğu artırmasına ve operasyonel çabayı azaltmasına yardımcı olur.

Çok boyutlu risk. Tek ve belirleyici bir bakış açısı.

RateLink, başvuru, davranışsal ve grup düzeyindeki derecelendirmeleri birleştirerek kredi riskine ilişkin bütünleşik bir bakış açısı sunar; bu da finansal kurumların portföy izlemesini güçlendirmesine ve risk kararlarını iyileştirmesine yardımcı olur.

Daha akıllı kredi kararları. Kod gerekmez.

CreditBoost, sahada kanıtlanmış yapay zeka puanı ve dinamik, kod gerektirmeyen karar ağaçları sayesinde Perakende, Mikro ve KOBİ segmentleri için onayları, limitleri ve tahsilatları otomatikleştirir.

Risk sizi görmeden önce siz onu görün.

CreditWatch, davranış değişikliklerini ve ortaya çıkan riskleri erken tespit etmek için kredi portföyünüzü sürekli olarak izler; bu da finans kurumlarının riskler kayıplara dönüşmeden önce proaktif önlemler almasına yardımcı olur.

Kredi Riski, Derecelendirme ve Sermaye

3 ürün

Finansal karmaşıklığı karlı kararlara dönüştürün.

BRM, tüm düzenleyici ve dahili raporlamayı tek bir doğru bilgi kaynağında merkezileştirerek iş akışlarını otomatikleştirir, uyumluluğu sağlar ve mutabakat sorunlarını ortadan kaldırır.

Hazineniz. Merkezi. Gerçek zamanlı. Kontrol sizde.

SpineX, hazine, fiyatlandırma ve karlılık işlemlerini tek bir platformda birleştirerek likidite yönetimini iyileştirir, finansal kararları hızlandırır ve hazine işlemlerinde gerçek zamanlı görünürlük sağlar.

Vertebra

AI

Finansal analiz, risk, hazine, performans ve düzenleyici yönetimi birleştiren modüler, yapay zeka destekli platform.

Otomasyon & Verimlilik

2 ürün

Automation

AI

Agentic Yapay Zeka & Akıllı Otomasyon Platformu

Kurumsal Yapay Zeka Ajanı Orkestrasyonu, Tamamen Şirket İçi Çözüm.

Yerel LLM'ler, tam veri egemenliği ve sıfır bulut bağımlılığı ile kurumsal ölçekte akıllı otomasyonu oluşturun, yönetin ve devreye alın.

Ödemeler ve Dijital Bankacılık

1 ürün

Ödemelerinizi basitleştirin, büyümenizi hızlandırın.

Payify, finans kurumlarının modüler bir platform aracılığıyla güvenli ve ölçeklenebilir dijital ödeme ve finansal hizmetler sunmasını sağlayarak, pazara giriş süresini kısaltırken müşteri deneyimini ve operasyonel verimliliği artırır.

Neden Linktera LABS?

Finans kuruluşlarının platformumuzu seçmesinin altı nedeni

Tek Bütünleşik Ekosistem

İster tek tek ürünleri, ister platformun tamamını kullanıma sunun; hepsi ortak bir mimari, ortak veri tabanı ve yapay zeka destekli hizmetler üzerine kurulmuştur.

Portföy Genelinde Yapay Zeka

Kredi, risk, hazine, karlılık, düzenleme ve dijital bankacılık iş akışlarında yerleşik yapay zeka ve makine öğrenimi.

Esnek Yapılandırma

BT'ye olan bağımlılığı en aza indirerek iş kurallarını, iş akışlarını ve karar mantığını yapılandırın; bu sayede değişen iş ihtiyaçlarına daha hızlı uyum sağlayın.

Yasal Standartlara Uygunluk

Denetim kayıtları, onaylayıcı-onaylayıcı kontrolleri, rol tabanlı erişim ve tam düzenleyici izlenebilirlik ile entegre edilmiş yönetim sistemi.

Kurumsal Olarak Kanıtlanmış

Önde gelen finans kuruluşları tarafından, kritik iş operasyonlarında kurumsal ölçekte uygulamalar için güvenilen bir çözümdür.

Sürekli Ar-Ge

Mevzuat değişikliklerine, ortaya çıkan teknolojilere ve pazar taleplerine ayak uyduran, sürekli gelişen ürünler.

Finans sektörünü dönüştürmeye hazır mısınız?

Linktera LABS'ın yapay zeka destekli platformunun, finans kurumlarının karmaşıklığı basitleştirmesine, karar alma süreçlerini iyileştirmesine ve sürdürülebilir dijital dönüşümü hızlandırmasına nasıl yardımcı olduğunu tek bir entegre platform üzerinden keşfedin.

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Payify is an electronic money and payment services platform that empowers financial institutions to deliver fast, secure, and scalable digital payment experiences. It integrates easily with existing systems through its modular architecture, enabling quick deployment integrates seamlessly with existing systems. With customizable Microservices Architecture, Payify helps businesses go live in weeks while maintaining enterprise-grade security and higher customer engagement at every step.

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.

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.

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.

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.

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.

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.

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.

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.

Runway is Linktera Robotics' fully on-premises AI Agent Orchestration Platform that enables organizations to build, orchestrate and deploy intelligent automation entirely within their own infrastructure. With a no-code visual canvas, business users can automate complex, multi-step workflows by combining AI agents, automation and locally hosted LLMs without writing a single line of code. Built with data sovereignty by design, Runway keeps every component inside your own environment. Your data never leaves your network, your LLMs run on your own hardware, and every workflow executes on your own servers, delivering complete control with zero cloud dependency. Supporting open-source LLMs such as Llama, Mistral, Phi and DeepSeek, Runway integrates seamlessly with SAP, Oracle, Salesforce, UiPath and any API. Pre-installed on Apple Mac Mini M4, it is ready for deployment from day one while meeting the security and compliance requirements of BFSI, healthcare and public sector organizations.

LABS TR

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