BKM Bankalararas Kart Merkezi (Interbank Card Center of Turkey) is a non-profit institution established in 1990 by 13 Turkish banks to develop and manage cashless payment systems. It offers services like BKM Express, TROY (Turkey's domestic card scheme), contactless payments, and secure internet shopping solutions. BKM targets banks, merchants, and consumers, aiming to create a cashless society. Its unique selling proposition is providing secure, efficient, and cost-effective payment solutions tailored to local needs, promoting financial inclusion and innovation in Turkey's payment ecosystem[1][2][3].