Findeks

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.

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

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

• Credit scoring services
• Risk reporting
• Commercial credit reports
• Check verification
• Business evaluation reports

Headquarters

HQ city

Istanbul

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. Transaction-based Reports: Individual commercial reports (check reports, risk reports, business evaluation reports) sold on per-transaction basis.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core 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)

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• AkbankcoreTechnology or Integration · 1 January 1995One 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 BBVAcoreTechnology or Integration · 1 January 1995One of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
• HalkbankcoreTechnology or Integration · 1 January 1995One 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 BankasıcoreTechnology or Integration · 1 January 1995One of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
• VakıfbankcoreTechnology or Integration · 1 January 1995One 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 KredicoreTechnology or Integration · 1 January 1995One 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 BankasıcoreTechnology or Integration · 1 January 1995One of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
• DenizbankcoreTechnology or Integration · 1 January 1995One of the 9 founding banks of KKB Kredi Kayıt Bürosu. Participates as a member bank providing and receiving credit data through the KKB system.
• ŞekerbankcoreTechnology or Integration · 1 January 1995One 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 MerkezicoreTechnology or IntegrationThe 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)coreTechnology or IntegrationKOSGEB 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.
• getirfinansminorGTM or Marketing PartnerPromotional 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

Market position

Strengths1 record

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Findeks
• YouTubeyoutube.com/channel/UC26maLoSmRY_DnhjXmHpDtg
• Facebookfacebook.com/Findeks
• LinkedInlinkedin.com/company/findeks
• Instagraminstagram.com/findeks

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Findeks