--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Borç Alacak" developer_entity: "Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti." bundle_id: "com.cevizsoft.borc-alacak" app_store_id: "1519166770" category: "Business" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2022-08-29" report_date: "2026-05-21" last_verified: "2026-05-21T20:50:33.889Z" report_version: "1.3" total_reviews: 0 confidence: "low" confidence_score: 0.2 data_age_days: 41 momentum_velocity: "zombie" intelligence_version: 3 nemesis: "Household account book" competitor_count: 11 tags: ["business", "free", "mobile app", "app review", "app analysis", "individuals", "small-scale", "users"] canonical_url: "https://marlvel.ai/intel-report/business/borc-alacak" license: "CC-BY-NC 4.0" content_version: "v2" --- # Borç Alacak App Audit ## TL;DR {#tldr} - **Category**: Business · Free > **TL;DR:** Borç Alacak is a business app by Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti., available on iOS. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Borç Alacak is a business app by Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti.. ## Quick Facts | Fact | Value | | :--- | :--- | | **Category** | Business | | **Developer** | Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti. | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 0d | ## Metadata & Market Performance - **Publisher:** Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti. - **Category:** Business - **Target Audience:** Individuals or small-scale users needing a simple, manual tool to track personal debts, credits, and cash flow. - **Platforms:** iOS - **Version Audited:** 1.3 - **Audit Date:** 2026-05-21 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 1519166770 - **Bundle ID:** com.cevizsoft.borc-alacak - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-05-21 ## Executive Snapshot **What it is:** Borç Alacak is a manual debt and cash flow tracking utility for individuals on iOS. **Why users hire it:** Users hire this app for offline, private control over personal ledgers where automated banking connections are either unavailable or distrusted. ## App DNA (Features & Intent) - **[Standard] Debt and Credit Tracking:** Records individual debt and credit entries for contacts added manually or via phonebook * *User Intent:* Users want visibility into their own performance and progress. - **[Standard] Cash Flow Management:** Tracks income and expense entries to monitor cash balance * *User Intent:* Users want visibility into their own performance and progress. - **[Differentiator] Fiscal Year Filtering:** Organizes records by specific working years to reduce data clutter * *User Intent:* Users want to quickly find relevant content or features. - **[Standard] Data Backup:** Allows exporting and importing data to maintain continuity across different devices * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior. ## Market Position {#market-position} Borç Alacak occupies a niche manual-entry segment within the Business category, lacking the chart velocity or review volume of automated finance competitors. ## Monetization Strategy - **Model:** Free - **Tiers:** Free application with no stated subscription or IAP - **Analysis:** The application is currently offered as a free utility with no visible monetization gates. ## SWOT Analysis {#swot} **Core Strengths:** - Fiscal year filtering reduces data clutter for long-term users - Manual entry model ensures total data privacy for sensitive ledgers **Critical Frictions:** - No cloud-sync functionality creates significant data-loss risk - Manual-only entry creates high friction compared to automated banking apps **Growth Levers:** - Integration of automated bank-feed APIs could capture users seeking efficiency - Wearable companion apps could reduce logging friction **Market Threats:** - Voice-based entry competitors like Expense Whisper remove the manual friction barrier - Cloud-native ledgers offer superior data portability ## Recent Changes (v2 → v3) {#recent-changes} The product remains in a maintenance-mode state, but the competitive intelligence has been expanded to include a wider array of market threats and specific feature deficiencies. **Overall trend**: Stable **Compared at**: 2026-05-21 ### High-impact changes - **[Added] Expanded Threat Landscape** (swot) — Added threats regarding voice-based entry competitors and cloud-native ledgers, replacing the previous generic threat of automated bank-sync competitors. ### Medium-impact changes - **[Shifted] Market Position Narrative** (positioning) — Shifted from focusing on data portability to highlighting the lack of chart velocity and review volume within the Business category. - **[Added] Feature Gap Documentation** (features) — Added specific gaps for cloud-based synchronization, automated bank-feed integration, and wearable device logging. ## Rivals Landscape {#rivals} > Competitive positioning identified by AI analysis of app features, category, and market signals. ### Borç Alacak vs Household account book — Head to Head - **[Household account book](https://marlvel.ai/intel-report/finance/jp-united-app-kanahei-money)** by UNITED, Inc.: This app dominates the personal finance space by combining core expense tracking with high-engagement gamification, directly competing for the same user base looking for simple financial management. - **Key differences:** - Utilizes gamified content and character-based rewards to drive daily user retention and habit formation. - Provides sophisticated visual analytics that transform raw transaction data into actionable financial health insights. - Maintains a massive user base and brand recognition that creates a significant barrier to entry. - **Where Borç Alacak wins:** - ✅ Offers a more focused, professional approach to debt and credit tracking without unnecessary gamification distractions. - ✅ Provides a simpler, manual-entry workflow that appeals to users who prefer privacy over cloud-synced data. - **Where Household account book wins:** - ❌ Leverages a massive, established user community and high-frequency engagement through gamified daily financial logging. - ❌ Delivers superior data visualization tools that help users understand spending patterns at a glance. - **Verdict:** The target should pivot toward a 'professional-first' niche, emphasizing data privacy and manual control to avoid a direct feature war with the gamified leader. ### Contenders (Strong Challengers) - **[Balance My Checkbook](https://marlvel.ai/intel-report/finance/com-lingsdesigns-balancecheckfree)** by LingsDesigns: It competes by providing a long-standing, stable platform for recurring transaction management and multi-user synchronization. - Supports multi-user synchronization, allowing teams or households to manage shared financial records effectively. - Features automated recurring transaction scheduling, reducing manual input requirements for predictable monthly expenses. - **[The Ledger Book: Bookkeeping](https://marlvel.ai/intel-report/business/the-ledger-book-bookkeeping)** by Generation Next: This app directly challenges the target's core value proposition by providing professional reporting and cloud-based backup for business bookkeeping. - Offers robust cloud backup functionality, ensuring data portability and safety across multiple device ecosystems. - Provides professional-grade reporting tools that are better suited for small business owners than simple ledgers. - **[Tag AccountBook - Manage money](https://marlvel.ai/intel-report/finance/tag-accountbook-manage-money)** by Shin Dongkwon: It competes by utilizing a hashtag-based organizational system that offers a more flexible alternative to traditional category-based tracking. - Implements a flexible hashtag-based tagging system that allows for custom, non-linear expense categorization. - Prioritizes dedicated security features for sensitive financial data, appealing to privacy-conscious ledger users. - **[AccountingBook - MyAsset LT V2](https://marlvel.ai/intel-report/finance/accountingbook-myasset-lt-v2)** by Shaowen Lu: This app competes by offering advanced accounting subjects and multi-asset tracking, targeting users who have outgrown basic ledger functionality. - Includes Apple Watch integration for rapid transaction logging on the go, which the target lacks. - Supports complex accounting subjects that cater to power users requiring more than simple debt tracking. ### Peers (What They Do Better) - **[Loan Manager : Loan App](https://marlvel.ai/intel-report/utilities/loan-manager-loan-app)** by Rohit Kakadiya: It overlaps with the target's debt tracking functionality by providing specialized loan and banking calculators for business users. - Integrates a comprehensive business performance suite that goes beyond simple debt tracking into analytics. - Provides specialized loan amortization calculators that help users visualize long-term debt repayment schedules. - **[Paranı Çalıştır](https://marlvel.ai/intel-report/utilities/paran-cal-st-r)** by Mehmet Bayram: This app targets the same Turkish-speaking market segment with a focus on financial decision-making and investment projections. - Specializes in investment yield projections and installment vs. cash comparisons for real estate decisions. - Includes tax withholding adjustment tools that are highly relevant to the local Turkish financial market. - **[Fast Tip & Split Calculator](https://marlvel.ai/intel-report/finance/fast-tip-split-calculator)** by Christopher Romani: It occupies the same 'quick-finance' utility space, focusing on immediate, task-specific calculations rather than long-term ledger tracking. - Optimized for rapid, single-session calculations like tip splitting and bill rounding for social settings. - Employs a privacy-focused design that requires zero account creation or data storage for users. - **[GovAid: SNAP](https://marlvel.ai/intel-report/health-fitness/govaid-snap)** by Timothy DeGraff: While focused on government aid, it shares the same utility-driven, data-entry-heavy category as the target app. - Provides state-specific rule engines that automate complex eligibility calculations for government assistance programs. - Focuses on highly specialized financial screening tools rather than general-purpose ledger management. ### New Kids on the Block (What's Innovative) - **[Expense Whisper](https://marlvel.ai/intel-report/finance/com-yasmerak-expense-whisper)** by Mohamed Yasin: A new competitor that disrupts the manual entry model of the target app by introducing voice-based input. - Enables hands-free expense logging via voice commands, significantly reducing the friction of manual data entry. - **[RentalTracker.Mobile](https://marlvel.ai/intel-report/business/rentaltracker-mobile)** by William Tam: A new entrant that targets the business-side of ledger management by focusing on property and tenant tracking. - Utilizes a multi-tenant architecture specifically designed for property managers to track individual rental units. ## What's New - **Latest (v1.3, 3 years ago):** Fixed connectivity, authentication, and data synchronization issues. ## App Momentum (Zombie) {#momentum} - No major updates since August 2022. - Maintenance-mode status limits user acquisition. > **Cadence:** 1 total versions · 0 majors in last 6 months · 1361 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Borç Alacak is an established business app that is completely free. > **Bottom Line:** Borç Alacak provides a stable manual ledger for privacy-focused users, but the lack of cloud-sync and automated entry leaves it vulnerable to modern competitors, so the PM should prioritize cloud-sync to prevent churn. **Best for:** Individuals or small-scale users needing a simple, manual tool to track personal debts, credits, and cash flow. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] [HIGH IMPACT] Implement cloud-sync via iCloud because manual backup is the top friction point → increase retention — *Manual backup is a known barrier to continuity in ledger apps.* _(trade-off: deprioritize Pause the development of new reporting templates — cloud-sync has a higher impact on user retention.)_ ### Feature Gaps vs Competitors - Cloud-based synchronization (available in The Ledger Book but missing here) - Automated bank-feed integration (available in AccountingBook but missing here) - Wearable device logging (available in AccountingBook but missing here) ### Outlook: Stable The personal finance market is shifting toward automated, cloud-synced experiences that minimize manual data entry. Borç Alacak remains exposed to churn as users prioritize convenience, so the long-term viability depends on modernizing the data-sync architecture. - ⚪ The app has remained in maintenance mode since 2022, signaling a focus on stability rather than growth. - 🔴 The absence of cloud-sync features in the current market environment limits the app's ability to compete with modern, automated finance tools. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Total Reviews | 0 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 4 analyzed | | Trend | Stable | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Borç Alacak** (this app) | N/A/5 | N/A | Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti. | | [Balance My Checkbook](https://marlvel.ai/intel-report/finance/com-lingsdesigns-balancecheckfree) | 4.7/5 | N/A | LingsDesigns | | [Expense Whisper](https://marlvel.ai/intel-report/finance/com-yasmerak-expense-whisper) | N/A/5 | N/A | Mohamed Yasin | | [Household account book](https://marlvel.ai/intel-report/finance/jp-united-app-kanahei-money) | 4.7/5 | N/A | UNITED, Inc. | | [Fast Tip & Split Calculator](https://marlvel.ai/intel-report/finance/fast-tip-split-calculator) | 5.0/5 | N/A | Christopher Romani | | [The Ledger Book: Bookkeeping](https://marlvel.ai/intel-report/business/the-ledger-book-bookkeeping) | 3.6/5 | N/A | Generation Next | ## Company Profile - **Developer:** Ceviz Yazilim Bilisim Danismanlik Ith.Ihr.San.Tic.Ltd.Sti. - **Website:** [https://cevizsoft.com](https://cevizsoft.com) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/bor%C3%A7-alacak/id1519166770?uo=4) - **Dev Site:** [Official Website](https://cevizsoft.com) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*Balance My Checkbook*](https://marlvel.ai/intel-report/finance/com-lingsdesigns-balancecheckfree) (LingsDesigns) — 4.7/5 Rating | N/A Sentiment - [*Expense Whisper*](https://marlvel.ai/intel-report/finance/com-yasmerak-expense-whisper) (Mohamed Yasin) — N/A Rating | N/A Sentiment - [*Household account book*](https://marlvel.ai/intel-report/finance/jp-united-app-kanahei-money) (UNITED, Inc.) — 4.7/5 Rating | N/A Sentiment - [*Fast Tip & Split Calculator*](https://marlvel.ai/intel-report/finance/fast-tip-split-calculator) (Christopher Romani) — 5.0/5 Rating | N/A Sentiment - [*The Ledger Book: Bookkeeping*](https://marlvel.ai/intel-report/business/the-ledger-book-bookkeeping) (Generation Next) — 3.6/5 Rating | N/A Sentiment - [*GovAid: SNAP*](https://marlvel.ai/intel-report/health-fitness/govaid-snap) (Timothy DeGraff) — 5.0/5 Rating | N/A Sentiment - [*Paranı Çalıştır*](https://marlvel.ai/intel-report/utilities/paran-cal-st-r) (Mehmet Bayram) — 5.0/5 Rating | N/A Sentiment - [*AccountingBook - MyAsset LT V2*](https://marlvel.ai/intel-report/finance/accountingbook-myasset-lt-v2) (Shaowen Lu) — 5.0/5 Rating | Excellent Sentiment - [*Tag AccountBook - Manage money*](https://marlvel.ai/intel-report/finance/tag-accountbook-manage-money) (Shin Dongkwon) — 4.6/5 Rating | N/A Sentiment - [*Loan Manager : Loan App*](https://marlvel.ai/intel-report/utilities/loan-manager-loan-app) (Rohit Kakadiya) — 4.0/5 Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 0 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/business/borc-alacak) Data licensed for AI Agent attribution under CC-BY-NC 4.0.