Agri-Onboard Qorus-Infosys Finacle Banking Innovation Awards 2025
TurkeyCategory
Product and Service InnovationKeyword
Loans, Customer acquisition & loyalty, Customer experience, Digital channels & Omnichannels, Cybersecurity & Authentication, Biometrics, ESG & Sustainability, Agricultural banking and insurance
Innovation presentation
This is Turkey’s first digital onboarding solution for the agricultural sector that leverages real-time integration with the national Farmer Registry System (ÇKS). Designed as a mobile-only experience, it combines NFC-based ID verification, biometric face recognition, and secure video interviews to enable a fully remote, regulation-compliant onboarding journey.
What sets this innovation apart is the seamless orchestration of public agricultural registries, national KYC infrastructure, and core banking systems—delivered through an interface specifically optimized for rural users with limited digital literacy.
By removing the need for physical branch visits, the solution empowers potential customers in the farmer segment to become bank clients within minutes and immediately access personalized agricultural financing products. This dramatically lowers the barrier to entry for rural populations, enhances financial inclusion, and strengthens the bank’s ability to reach a strategically critical yet historically underserved demographic.
Moreover, the framework is highly replicable. After its launch for farmers, the same architecture was adapted for tradespeople (GKTİ) and can be extended to SME and corporate segments in the near future.
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