Turkey: Bank and Telco to Launch M-Payment with Flex-Antenna SIM


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Istanbul, other citiesTurkey
In progress
Dec 2010
Main Application: 
Mobile Operator: 
Service Provider (application): 
Garanti Bank (MasterCard PayPass)
35,000 merchants that accept PayPass in Turkey, including Burger King, Starbucks, Cinebonus, Carrefour, taxis and Istanbul Atatürk Airport Car parks
100,000 (target)
NFC Handsets: 
Gemalto (likely)
Secure Element: 
Other Vendors: 
MasterCard Worldwide, Gemalto (N-Flex, SIM), STMicroelectronics (NFC chip)

Garanti Bank and No. 3 Turkish telco Avea plan to commercially launch contactless-mobile service with applications stored on SIM cards that are linked within the phones to separate devices packing NFC chips and flexible antennas. Subscribers would wrap the antennas around their phone batteries and tap to pay, though that won’t work for all phones. The SIMs will carry a MasterCard PayPass credit or debit application and likely other services, such as building access control and stadium ticketing. Plans also call for loyalty and mobile couponing.

NFC Times Take: 

Frustrated with the lack of NFC phones, banks and telcos are turning to so-called bridge technologies to introduce contactless-mobile payment. Gemalto’s N-Flex is one such product. Garanti had been working with No. 1 Turkish telco Turkcell on the project, said a source, but moved to Avea. Turkcell has its own plans for contactless-mobile payment and NFC in Turkey.



* Trusted Service Manager: Defined loosely to include companies or other organizations securely distributing, provisioning and managing applications, generally over the air, on secure elements in NFC mobile phones; or licensing their platforms for this purpose.

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