QNB Mobil & Dijital Köprü — API Integration & Protocol Analysis Services

For the Turkish market mobile banking: compliant Open Banking / Open Data integration and runnable API delivery.

Starting price
$300 start
OpenBanking · Protocol Analysis · Account Sync · FX Interfaces

Safely and compliantly connect QNB Mobile Banking capabilities to your platform

We provide reusable analysis of authorization workflows, data interfaces and network protocols for mobile banking apps, delivering runnable API source code (Python / Node.js / Go) and offering compliance guidance (privacy, local regulations).

Accounts & Transactions — retrieve balances, multi-account aggregation, transaction histories, pending/unsettled transactions with pagination and filters; export as JSON / CSV / Excel.
BLIK generation & scan — generate BLIK payment codes, scan-to-pay and inflow scenarios (ATM BLIK cash withdrawal, payment/refund flows).
Card Management & NFC Payments — card activation, limit settings/modifications, temporary freezes, NFC mobile wallet integration and signature verification guidance.
Compliance & Fees — all integrations are based on user authorization or publicly available APIs, including KYC/logging and data minimization strategies; NDA available.

Deliverables & Examples

Standard Deliverables

  • Protocol & Authorization Analysis Report (data flow, tokenization, risk points)
  • REST API specifications (OpenAPI/Swagger) with sample requests
  • runnable server code (Python / Node.js) with SDK examples
  • Automation tests and API validation scenarios / CI samples
  • Compliance guidance (privacy, data retention, PCI-DSS, local regulations)

Example: Transaction Ledger Query

# POST /api/v1/qnb/transactions
# Headers: Authorization: Bearer <ACCESS_TOKEN>
{
  "account_id": "TR1234567890",
  "from_date": "2025-10-01",
  "to_date": "2025-10-31",
  "currency": "TRY",
  "page": 1,
  "page_size": 50
}

Response:
{
  "status": "OK",
  "transactions": [
    {"id":"TXN20251010-1","date":"2025-10-10","amount":-235.50,"currency":"TRY","description":"E-commerce Payment","balance":12850.45},
    {"id":"TXN20251013-2","date":"2025-10-13","amount":5000.00,"currency":"TRY","description":"Salary Credit","balance":17850.45}
  ],
  "pagination": {"page":1,"page_size":50,"total_pages":3}
}

Use Case Spotlight

Account aggregation, real-time reconciliation, enterprise payroll, foreign exchange quotes, ATM/branch localization, and offline reports (invoices, PDFs).

Core Benefits

  • Compliance-first: aligns with local regulations and data protection (LGPD/GDPR guidance)
  • Production-grade source with deployable microservices and SDKs
  • Cross-platform: Mobile (Android/iOS) and backend (Node/Python/Go)
  • Rapid delivery: typical cycle 5–15 business days (depending on complexity)
  • Transparent pricing: starting at $300 with milestone-based payments

Security & Privacy

All work is performed based on client authorization or publicly available APIs. We describe protocol analysis and reverse engineering in compliance with laws and platform policies.

API Integration Guide (Quick Start)

1) Information to Provide

  1. Target App name / package (already provided: pl.pkobp.iko)
  2. Integration scenarios and priority features (e.g., transactions export, BLIK, NFC)
  3. Testing accounts or sandbox credentials and any real account sample with authorization
  4. Need for compliance docs, NDA, or audit reports

2) Our Execution Steps

  1. Protocol capture and endpoint identification (HTTPS/XHR paths, requests/responses)
  2. Authorization modeling (Token flow, session refresh, two-factor)
  3. API wrapping & SDK development (including error handling, retries)
  4. Compliance review & delivery (docs, test cases, compliance guidance)

3) Compliance & Security Notes

  • All protocol analyses follow lawful, compliant principles; where necessary, obtain test APIs via official channels or sign access agreements with banks.
  • Avoid storing sensitive credentials long-term; provide token lifecycle management and auto-refresh strategies.
  • Provide detailed validation logs and attestation for signature fields, NFC and card management operations.
  • Recommend testing in a bank/ regulator sandbox before production

About Us

We are a tech studio focused on app protocol analysis and authorization API integration, with a team from payments, banking and security domains. We offer end-to-end delivery from protocol analysis to OpenData/OpenFinance integration and runnable code.

  • Supports global mobile banking and payments App integration
  • Deliverables include OpenAPI, SDK, test scripts, and compliance guidance
  • Ability to support enterprise deployment and security audits

Contact

To inquire, request a quote, or submit your App name and requirements, please visit our Contact page:

View Contact & Submit Request

📱 IKO Official App Description (Full – Collapsible)

The IKO mobile banking app provides a full suite of personal financial services, including account management, transfers, card operations, BLIK payments, NFC tap-to-pay, term deposits, and loans.

Key features (excerpt):

  • Accounts: balance, history, details and various account types (personal, savings, foreign currency)
  • Transfers: domestic Elixir, instant transfers, invoice/QR transfers, transfers by phone, tax payments, foreign currency transfers, recurring transfers
  • BLIK: ATM cash withdrawals, QR payments, online/offline BLIK payments, check creation & sharing, trusted merchants
  • Cards: history, activation, PIN changes, limit changes, temporary freeze, card design changes, multi-currency cards
  • Loans & Deposits: view loan details, apply for loans, open/close term deposits
  • Insurance & extras: travel & vehicle insurance, mobile authorization, tickets, parking fees, recurring charity commands, push notifications
  • Payment capabilities: NFC mobile payments (Android 4.4+ with secure environment), multilingual support
  • Convenience: invoice scanning to transfers, generate transfer QR codes, save UI preferences, backup & restore

For more information, see the official IKO page and activation guides: iko.pkobp.pl/iko_en