SCNET · Enterprise IT · Ankara, Türkiye
Financial services technology combines speed, trust, and evidence in the same architecture: a small delay in a transaction chain affects customer experience, while a weak identity or data control creates a much wider risk. Sanal Çekirdek designs that architecture around transaction integrity and regulatory expectations together.
Payment, account, lending, treasury, contact-center and digital-channel flows are mapped with service dependencies. RTO/RPO, data consistency and phased restoration are based on business impact.
Customer and workforce identity, behavioral signals, transaction context and threat data are connected in a shared risk view. Automated blocking and review decisions include explainability and human escalation.
We make it clear where customer, transaction and risk data resides and who can use it for what purpose. RAG and AI agents operate within the organization's control boundary with permission filtering, logging, evaluation and human approval.
Across open banking, payment networks, third-party services and core systems, we manage schemas, transactions, errors, identity and versions together. Changes are performed with evidence and rollback plans.
There is no universal answer without assessing the workload, data class, region, terms, key ownership and access model. Suitable workloads may use a hybrid architecture, with decisions made alongside legal, risk and compliance teams.
High-impact decisions require specific assessment of regulation, explainability, discrimination risk, data quality and appeal mechanisms. AI is often better positioned as decision support and prioritization.
Beyond identity and consent, the design must cover transaction integrity, failure behavior, retries, rate limits, observability, certificate lifecycle and third-party ownership.
Clarify critical financial flows, data controls and AI boundaries together.
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