 It began to expand its credit card business by adopting principles of reputation credit and increasing its base of merchant customers, students and working class employees as well as by automating and centralizing its point of sale authorization system.VakıfBank also laid the groundwork to become a leader in alternative distribution channels by introducing self-service banking, telephone banking, and a mobile bank branch office – a full-service branch office on wheels "Autobank".VakıfBank was the first in Turkey to offer payment services by credit card over the telephone.