Committees
Security Committee
- Carrying out work to prevent fraud and scams that may occur in payment systems,
- Identifying security measures and contributing to legal regulation, standard, specification, rule, procedure and regulation work carried out for this purpose,
- Tracking the types and development of fraud,
- Maintaining relationships with law enforcement agencies and with decision-making and regulatory institutions and organizations,
- Following developments in domestic and international markets regarding payment systems security and passing information on to members.
- Directing BKM staff to examine, analyze and make recommendations on required topics in line with the determined security strategies.
- Preparing fraud prevention work and security standard proposals coming from other units and committees,
Operations and Technology Committee
- Following the rules, procedures and regulations of international payment systems and determining their effects on domestic payment systems,
- Working on domestic standards, specifications, rules, procedures and regulations, and determining the rules for new products/services/applications,
- Evaluating and following up on rule violations and inter-member problems,
- Evaluating and following the new publications and practices of BKM and international payment systems,
- Defining standards, operational flows and implementations, and following their development,
- Discussing, evaluating and revising operational and rules-related penalties and fees, and passing information on to members,
Market Development Committee
- Increasing demand for card and electronic payments in Turkey, expanding the areas of use of payment instruments and platforms as alternatives to cash, and promoting and encouraging their use,
- Evaluating domestic and international practices and developments,
- Representing the payment systems at institutions/seminars/organizations related to payment systems,
- Evaluating the work carried out for investment decisions and producing current market analyses,
- Developing the market, raising awareness, and directing the advertising campaigns and press announcements carried out for these purposes, by engaging with parties that accept cards as a payment instrument and that will be subject to payment platforms,
- Evaluating new applications and developments aimed at developing the market, and evaluating the work that will form the basis of investment decisions for new applications and services,
- Following the development of sectors related to payment instruments and platforms, preparing application proposals that increase their development, and developing incentive/penalty schemes,
- When deemed necessary, preparing various printed, visual and audio educational content on the security and rules of payment transactions under BKM's responsibility for consumers and merchants,
Business Development Committee
- Identifying new service/application/product/technology topics in line with common needs and new business and service development coming from product management and the committees, which will serve the targets set annually by the Board of Directors, and determining scope and standard proposals,
- Preparing analysis/feasibility proposals for new business and service development topics and managing the projects,
- Following technological developments in payment systems,
- Carrying out the work that will form the basis of investment decisions for new applications and services aimed at developing the market,
Chargeback Rules and Arbitration Committee
- Following the rules, procedures and regulations of international payment systems regarding chargeback transactions and determining their effects on chargeback operations in domestic payment systems,
- Working on domestic standards, specifications, rules, procedures and regulations specific to chargebacks, and determining the customer dispute rules for new products/services/applications.
ATM Sharing Committee
Within the scope of the "Domestic ATM Sharing Platform" transactions of all banks that own ATMs and are BKM members and that have signed the ATM Debit Card Sharing Platform Protocol since 1 October 2009, as well as banks that issue debit cards and receive services from other banks' ATMs;
- Developing new scope and standard proposals regarding the operational working principles specific to the ATM Platform for debit cards,
- Carrying out work on interbank fee updates for ATM Platform transactions,
- Evaluating and analyzing marketing, business development and security topics, and developing new applications where necessary,
- Analyzing developments related to debit card use at ATMs and the needs of banks and customers, and developing new transaction and flow proposals,
BKM Arbitration Committees
Arbitration Committee
This is the arbitration panel that BKM Members can apply to for disputes arising from violations of Card Payment Sector rules that they cannot resolve through re-presentment.
When one of the members applies, the Committee examines a disputed situation between two members within the framework of Domestic Regulations and the Visa, Mastercard, TROY and BKM Rules, and resolves it by arbitrating between the parties.
Agreed Transaction Arbitration Committee
It resolves and decides disputes among member institutions about sharing financial liability that may arise within the scope of Agreed Transactions, within the framework of the current Domestic Regulations and BKM Rules published specifically on this subject, and decides on the distribution of financial liability.
BKM's link on the subject is below:
