KKB serves individuals and the real sector, and especially the financial industry, with its innovative products and effective risk management solutions.
KKB’s Anadolu Data Center provides emergency center, cloud, central product, and technology infrastructure services.
Kredi Kayıt Bürosu (KKB) was founded on April 11, 1995, as a partnership between nine leading banks. One of the long-established institutions in the finance sector, KKB has a total of 166 members, including 49 banks, 15 consumer finance, 55 factoring, 22 financial leasing, 5 insurance, 16 asset management companies, 1 resource organization, and 3 other companies as of December 31, 2020. As required by Banking Law No: 5411 (Article 73/4), KKB was established by at least five banks to facilitate the exchange of information and documents between financial institutions. Under the same article, corporate members have been sharing customers’ credit information since April 1999.
With Law No. 6111 issued on February 25, 2011, Additional Article 1 and Provisional Article 28 were added to Banking Law No. 5411. Pursuant to Additional Article 1, a Risk Center has been established within the organization of the Banks Association of Turkey (TBB) to collect the risk data of customers of credit institutions and any financial institutions deemed appropriate by the Banking Regulation and Supervision Agency and to share such data with the referenced institutions and with the customers themselves, or with any private law legal entities and third natural persons if consent has been given by the customers. Upon transfer of the Risk Centralization Center within the organization of the Central Bank of Turkey (CBRT), the Risk Center of the Banks Association of Turkey (BAT) started its operations on 28 June 2013. KKB conducted all operational and technical activities through its organization on behalf of the Risk Center of TBB and is providing data collection and sharing services to 181 financial institutions which are members of the Risk Center (RC).
KKB offers its services not only to financial institutions but also to individuals and the real sector through “Cheque Report” and “Risk Report” systems launched in January 2013. Offering significant tools for individuals and organizations to manage their financial reputation, KKB introduced Findeks, a financial services platform aimed at individual customers and the real sector in 2014. Ultimately, through the QR Code Cheque System – launched by KKB in 2015, became mandatory by law in 2016, and entered into force as of January 1, 2017 – an important step was taken for a more transparent and secure commercial life. KKB Anadolu Data Center, which started operations in December 2016, provides data center, emergency center, and cloud services as well as structured central products tailored for institutions and technology infrastructure services, especially for the banking and finance sector. As of 2020 year-end, KKB offers 86 products and services for members. KKB has 521 employees as of year-end 2020.