Regulatory change intelligence

Know what every new regulation means for your bank.

Merval tracks banking regulation changes published in Turkey's Official Gazette, pinpoints exactly what changed, and explains the impact on your operations, with every conclusion traced back to the source text.

Impact brief
Official Gazette · Amendment

Amendment to a banking regulation on customer information procedures

Effective date detected · 3 articles changed
What changedDisclosure deadline shortened; new record-keeping obligation added.
Impact
HighCustomer onboarding flow needs an updated disclosure step.
MedRetention period for related records must be reviewed.
LowInternal policy wording to be aligned.
SourcesArt. 4(2) · Art. 7 · Provisional Art. 1
Illustrative example, not a real regulation
The problem

Regulation moves daily. Reading it is still manual.

Compliance and legal teams spend hours reading amendments line by line, comparing them with the previous text, and working out who in the bank is affected.

Dense, scattered text

Changes arrive as amendments to amendments, and the real meaning only shows up against the previous version.

Impact is the hard part

Knowing what changed is not enough. Teams need to know which processes, products and policies it touches.

Every answer must be defensible

An assessment is only useful if a reviewer can trace each claim back to the exact article.

How it works

From publication to impact brief, on demand.

01

Track

Merval reads banking-related publications in the Official Gazette whenever your team asks.

02

Compare

It identifies precisely what was added, removed or reworded, article by article.

03

Explain

It writes an impact brief: what changed, why it matters to the bank, how urgent it is, and where it says so.

Principles

Built for teams that answer to regulators.

Public data only

Merval works with publicly published regulation. No customer or internal bank data is required.

Cited reasoning

Every conclusion links to the article it comes from, so reviewers can verify rather than trust.

Human in the loop

Briefs support specialists; they don't replace their judgment. Final assessments stay with your team.

On demand

Ask when you need it. No dashboards to babysit, no alert fatigue.

Who it's for

The teams that read regulation for a living.

Compliance Legal & regulatory affairs Data protection (KVKK) Risk management Internal audit
Team

Who's building Merval.

K

Tümer Kaan Mutlu

Founder

Industrial engineering student at Istanbul Bilgi University, working at the intersection of optimization, machine learning and applied AI agents. Previously an AI & R&D intern in banking technology, working on multi-agent assistants for finance.

LinkedIn →
Where we are

Preparing our first bank pilot.

We are preparing a pilot with regulatory and compliance professionals at a Turkish bank. Our goal is a product for banks and financial institutions across Turkey. If your team works with banking regulation, we'd like to hear from you.

Working prototype
Design input from regulatory experts
Bank pilot in preparation