Findeks
Findeks is the consumer brand of KKB Kredi Kayıt Bürosu, Turkey's statutory national credit bureau founded in 1995 as a nine-bank joint venture, providing credit scores, risk reports, check verification, and SME benchmarking products to individuals and commercial members across Turkey.
- Company typePrivate
- Founded1995
- HeadquartersIstanbul
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Findeks does
Findeks is the consumer and commercial brand of KKB Kredi Kayıt Bürosu A.Ş. (KKB), Turkey's statutory national credit bureau. Founded in 1995 as a joint venture of nine major Turkish banks — Akbank, Denizbank, Garanti BBVA, Halkbank, Şekerbank, İş Bankası, Vakıfbank, Yapı Kredi, and Ziraat Bankası — KKB is the sole entity established under Article 73/4 of Turkish Banking Law No. 5411 for information exchange between credit institutions and financial institutions, and aggregates data from all members of the Turkish Banking Association (TBB) Risk Center, supplemented by integrations with government databases (GİB, SGK, Ticaret Bakanlığı, Sanayi ve Teknoloji Bakanlığı, Türk Patent ve Marka Kurumu).
The platform operates two product streams. For individuals, Findeks offers Kredi Notu (credit score), Risk Raporu (detailed financial history report), Not Danışmanım (expert advisory), Uyarı Hizmeti (real-time change alerts), and Karekodlu Çek Raporu (QR-code check issuer report). For commercial members — onboarded via in-person verification at bank branches — the portfolio extends to Ticari Findeks Kredi Notu, Ticari Risk Raporu, Çek Raporu, Teminat Mektubu Durum Sorgulama (guarantee letter status), Çek Kayıt Sistemi, and the KOSGEB İşletme Değerlendirme Raporu (IDR) for SME benchmarking against sector averages. Supporting platforms include Findeks Akademi (financial literacy content), Hesaplama Araçları (calculators), and Findeks Mobil (mobile app with QR-code scanning).
Findeks monetizes through three revenue mechanics: individual one-time purchases, commercial annual subscription packages (priced from 720 TL to 3,660+ TL), and transaction-based per-report fees (e.g., 120–240 TL for KOSGEB IDR). Distribution is primarily digital self-serve via findeks.com and the mobile app for consumers, with bank branches serving as the commercial onboarding channel. The customer base spans individual consumers, SMEs, large corporations, and sole proprietors across Turkey; geography is single-country (Turkey) with no foreign expansion signals disclosed.
Findeks firmographics
Firmographics- Name
- Findeks
- Legal name
- KKB Kredi Kayıt Bürosu Anonim Şirketi
- Website
- https://findeks.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Findeks is the consumer brand of KKB Kredi Kayıt Bürosu, Turkey's statutory national credit bureau founded in 1995 as a nine-bank joint venture, providing credit scores, risk reports, check verification, and SME benchmarking products to individuals and commercial members across Turkey.
- Ownership category
- akta.pro rank
Findeks industry classification
Industry- Product category
- Credit Reporting Services
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Consumer Identity Verification (KYC) & Fraud Risk for Credit (FSAKAKAD)
- akta.pro secondary industries
- Third-Party Risk, Vendor Due Diligence & Supply Chain Compliance (BPAEAPAG), Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK)
Keywords
Where Findeks is headquartered
LocationHeadquarters
- HQ city
- Istanbul
Offices1 record
Markets served
Findeks business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Individual Credit Products: One-time purchases and subscription packages for individual consumers to check credit scores, risk reports, and receive alerts when financial information changes.
- Commercial Subscription Packages: Annual subscription packages for commercial members providing bulk queries for risk reports, check reports, guarantee letter status, and other commercial credit products.
- Transaction-based Reports: Individual commercial reports (check reports, risk reports, business evaluation reports) sold on per-transaction basis.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Findeks Kredi Notu - Individual credit score check |
| One time/ perpetual license | Pay-as-you-go | Risk Raporu - Individual detailed risk report |
| Unit Pricing | Pay-as-you-go | KOSGEB İşletme Değerlendirme Raporu - Business evaluation report |
| Subscription | Annual | Karekodlu Çek Raporu Paketleri - Commercial QR code check report packages |
| Subscription | Annual | Risk Raporu Paketleri - Commercial risk report packages |
| Subscription | Annual | Teminat Mektubu Durum Sorgulama Paketleri - Guarantee letter status packages |
| Subscription | Annual | Çek Raporu Paketleri - Check report packages |
| Subscription | Annual | Kredi Notu Diğer Kişi Paketi - Credit score for other persons package |
| Freemium | Pay-as-you-go | Free Check Report Promotion - Karekodlu Çek Raporu 5'li Tanışma Paketi |
| Freemium | Pay-as-you-go | Salı Findeks Günü - Tuesday free credit score |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Findeks product offering
Product offeringCore offering
Findeks is the consumer brand of KKB Kredi Kayıt Bürosu A.Ş., Turkey's only regulated credit bureau. It sells individual credit scores, personal risk reports, commercial credit scores and risk reports, QR-code check reports, guarantee letter status inquiries, and KOSGEB business evaluation reports. Individual consumers use it to monitor their credit standing, while commercial customers (SMEs and enterprises) use it to assess partners, customers, and borrowers before transactions.
Product overview
Findeks is a credit information and reporting platform operated by KKB Kredi Kayıt Bürosu A.Ş., a credit bureau established in 1995 as a joint venture of nine Turkish banks. The platform provides a unified suite of credit scoring, risk reporting, financial monitoring, and business evaluation products to both individual and commercial customers in Turkey. For individuals, the core products are Findeks Kredi Notu (credit score) and Risk Raporu (risk report), supplemented by Not Danışmanım (advisory service), Uyarı Hizmeti (alert service), and Karekodlu Çek Raporu (QR-code check report). For commercial customers, the portfolio includes Ticari Findeks Kredi Notu, Ticari Risk Raporu, Çek Raporu, Karekodlu Çek Raporu, Teminat Mektubu Durum Sorgulama, KOSGEB İşletme Değerlendirme Raporu (İDR), and the Çek Kayıt Sistemi. The platform also offers Findeks Akademi (educational content hub), Hesaplama Araçları (financial calculators), and a mobile app (Findeks Mobil). Products are available as individual one-time purchases or as annual subscription packages.
Differentiator
Problem solved
Functional benefit
Brands
- Findeks Mobil: Mobile application for credit score and risk report access
Products and services
- Findeks Kredi Notu (Personal Credit Score)
Companies that use Findeks
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
Findeks technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Findeks partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- AkbankcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Akbank participates as a member bank providing and receiving credit data through the KKB system.
- Garanti BBVAcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- HalkbankcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- İş BankasıcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- VakıfbankcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- Yapı KredicoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- Ziraat BankasıcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- DenizbankcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- ŞekerbankcoreOne of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
- Türkiye Bankalar Birliği (TBB) Risk MerkezicoreThe Risk Center operated by the Turkish Banking Association is the source of credit data shared among member institutions. All TBB Risk Center member banks contribute to and access credit data through the KKB system.
- KOSGEB (Küçük ve Orta Ölçekli İşletmeleri Geliştirme ve İdame Başkanlığı)coreKOSGEB provides the official data for the İşletme Değerlendirme Raporu (IDR) business evaluation report. Findeks distributes this report, which uses data from GİB, SGK, Sanayi ve Teknoloji Bakanlığı, Ticaret Bakanlığı, and Türk Patent ve Marka Kurumu.
- getirfinansminorPromotional partnership offering getirpara rewards (spendable in getir, getirçarşı, getirsu, getirbitaksi and bitaksi) for customers who purchase Findeks products with getirfinans cards. Campaign valid April 13, 2026 to July 31, 2026.
Scale indicators2 records
Recent moves4 records
Expansion highlights4 records
Findeks competitors and assessment
Company assessmentMarket position
Strengths1 record
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Findeks social profiles
Digital presenceFindeks financial estimates
Financial estimateRevenue estimate
Valuation estimate
Findeks leadership team
Management profileNumber of profiles
Findeks funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Findeks M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Findeks
What does Findeks do?
Findeks is the consumer brand of KKB Kredi Kayıt Bürosu A.Ş., Turkey's only regulated credit bureau. It sells individual credit scores, personal risk reports, commercial credit scores and risk reports, QR-code check reports, guarantee letter status inquiries, and KOSGEB business evaluation reports. Individual consumers use it to monitor their credit standing, while commercial customers (SMEs and enterprises) use it to assess partners, customers, and borrowers before transactions.
Is Findeks a public or private company?
Findeks is a private company. It is classified as corporate owned and is currently operating.
When was Findeks founded?
Findeks was founded in 1995. It employs 11 to 50 people.
Where is Findeks based?
Findeks is headquartered in Istanbul.
How does Findeks make money?
Three revenue lines are on record. Individual Credit Products are the primary driver. The others are commercial Subscription Packages and transaction-based Reports.
Does Findeks have an API?
No public API is recorded for Findeks.
What industry is Findeks in?
Findeks's product category is Credit Reporting Services. Its primary akta.pro industry code is FSAKAKAD, Consumer Identity Verification (KYC) & Fraud Risk for Credit, with a secondary code of BPAEAPAG, Third-Party Risk, Vendor Due Diligence & Supply Chain Compliance. Its SIC code is 7320.