BONUSFLAS

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• Summary: BonusFlas is a cards-based digital wallet for online, in-app and in-store (via NFC) purchases. BonusFlas is operating in Turkey only and was launched in November 2015 by Garanti Bank. BonusFlas also includes loyalty offers with a smart campaign window, unique for each customer
• Website: https://bonusflas.com.tr 
• Status: Live
• Market: Turkey (Nov ’15)
• Type: Single Bank
• Ownership: Garanti Bank
• Functions: Retail payments only
• Payment Mode: Cards-based
• Channel: POS via NFC, In-app, WEB
• Roadmap: n/a [/otw_shortcode_content_toggle]

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• Registration & set up: The app can be downloaded from App Store and Google Play Store. Users can track their Garanti debit and credit cards’ information, loyalty offers and make payments – The cards are added automatically by Garanti

• Making a payment: AT POS: Tapping the HCE capable Android Mobile phone to the POS terminal. The payment is made in few seconds- the experience is just like a contactless payment with a card plastic.
  IN-APP: Users Choose “GarantiPay” payment button on merchant’s app, the transaction is routed to “GarantiPay” payment page. Users select instalment and bonus points to redeem, users enter the digital password that can be used in all digital channels of the bank, password and finish the transaction.
  WEB: Users choose “GarantiPay” payment button on merchant’s web site, users enter their GSM or national ID number, the transaction is routed to “GarantiPay” payment page. Select instalment and bonus points to redeem, enter the digital password that can be used in all digital channels of the bank, password and finish the transaction
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• Merchant perspective: (Update to follow – Further information being obtained)
• Security: (Update to follow – Further information being obtained)  [/otw_shortcode_content_toggle]

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• Strategy: Enable all needed information (limit, statement, transaction details etc.), loyalty based product feature (campaigns, campaign enrolment, reward tracking etc.) and value added services (GarantiPay, credit card payment, tax payment etc) of Garanti card portfolio in a single app to maintain convenience
• Payee fee: No charge for merchants
• Payer fee: No charge for customer [/otw_shortcode_content_toggle]

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• Launch date: Turkey (Nov ’15)
• Closed Date: n/a
• Users: 3,000,000
• Retailers / merchants: n/a
• Transaction volume: Not data yet
• Transaction value: Not data yet
• Other data points: Not data yet 
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• Links:
  http://webrazzi.com/2015/11/25/garantinin-alisveris-asistani-gibi-calisan-bonusflas-uygulamasi-300-bin-indirilmeye-ulasti/
• Media:
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• Name: N/A
• Address: N/A
• Email: N/A
• Phone: N/A[/otw_shortcode_content_toggle]