Deniz Devrim Cengiz

Colendi is a multifunctional banking as a service platform that democratizes banking services for consumers, merchants, and financial institutions to overcome the limitations associated with legacy banking. Colendi is moving forward with the goal of solving a chronic financial problem that directly affects more than three billion people who do not have bank accounts and more than five billion people who cannot get loans. Colendi develops unique services based on scoring algorithms, combining new generation financial technology solutions utilizing artificial intelligence and big data. Together with its platform partners and strategic business allies, Colendi provides fast and easy access to loans with buy-now-pay-later model as well as other distinct financial services to 7M users as of today. By increasing users literacy level, Colendi helps them save through micro-investment platforms.

In 2024, Türkiyes first licensed electronic money institution Param was established and licensed by BDDK. It offers services such as electronic money, prepaid cards, physical/virtual/soft POS and e-wallets to individual and corporate customers. Param is the only electronic money institution holding all card issuing licenses for Troy, Mastercard, Visa and Discover card schemes and the first and only non-banking member of BKM TechPOS platform. Param, approved by the Central Bank, has been breaking new ground since the day it stepped into the sector with 10.5 million prepaid cards. Winner of the "First TROY Global Card Issuing Electronic Money Institution" award at the Discover Global Network 2019 Awards, Param serves with more than 150 co-branded cards, including BaroKart for lawyers, AdaletKart for Ministry of Justice personnel as well as shopping mall, university and union programs. Offering collection solutions for every moment of physical or remote payment, ParamPOS serves over 100 thousand corporate and individual customers. Param extends its influence by acquiring the fifty percent of Momento Reklam ve Pazarlama Ticaret A.Ş., Türkiyes leading rewarding system in 2021 and in 2022 all shares of Eçözüm Bilgi Teknolojileri A.Ş., known for its open banking and online collection solutions. Param, which received investment from the European Bank for Reconstruction and Development (EBRD), CEECAT Capital, Alpha Associates and Revo Capital in the first round with a valuation of over 200 million USD, continues to have a strong presence in the financial technology sector with more than 1,200 employees. In order to transfer its know-how to Europe, Param started to operate in the United Kingdom under the name Param UK. Its journey continued by purchasing the Czechia-based BNPL provider Twisto in 2023 and establishing Param International in the Netherlands. The newest companies in the Param family include Univera and Univis, leaders in sales, service and logistics.

2023 yılında dijital mevduat bankacılık kuruluş lisansı alan ve 2024 yılında, Bankacılık Düzenleme ve Denetleme Kurumu (BDDK) onayının ardından faaliyete geçecek olan ColendiBank’ın hedefi, Colendi’nin finansal teknolojiler alanındaki deneyiminin gücünü arkasına alarak, Türkiye’nin teknoloji hamlesinin öncülerinden, Türk dijital bankacılık sektörünün lideri ve Türkiye’den doğan küresel bir dijital banka olmak. Finansal teknolojiler alanındaki deneyimlerimiz eşliğinde, Türkiye’nin milli teknoloji hamlesinin öncülerinden, Türk dijital bankacılık sektörünün lideri ve Türkiye’den doğan küresel bir dijital banka olmak için çalışıyoruz. Türkiye’nin ilk yapay zeka temelli doğuştan dijital mevduat bankası ColendiBank olarak, BDDK’dan faaliyet iznimizi aldık. Hedefimiz; Colendi’nin finansal teknolojiler alanındaki deneyiminin gücünü arkamıza alarak, Türkiye’nin teknoloji hamlesinin öncülerinden, Türk dijital bankacılık sektörünün lideri ve Türkiye’den doğan küresel bir dijital banka olmak. Finansal teknolojiler alanındaki deneyimlerimiz eşliğinde, yapay zekâ ve ileri analitikle desteklenen finansal çözümlerimizle, herkes için güvenilir, kolay erişilir, akıcı ve sınırsız bir bankacılık deneyimi yaratıyoruz. Hedefimiz, yeni nesil bankacılığın lideri, en önemli oyuncularından biri ve Türkiye’den çıkan, global başarılarını katlanarak artıran ‘ulusal şampiyon’ olmak. Asıl şimdi başlıyoruz! 🚀

Colendi is a multifunctional banking as a service platform that democratizes banking services for consumers, merchants, and financial institutions to overcome the limitations associated with legacy banking. Colendi is moving forward with the goal of solving a chronic financial problem that directly affects more than three billion people who do not have bank accounts and more than five billion people who cannot get loans. Colendi develops unique services based on scoring algorithms, combining new generation financial technology solutions utilizing artificial intelligence and big data. Together with its platform partners and strategic business allies, Colendi provides fast and easy access to loans with buy-now-pay-later model as well as other distinct financial services to 7M users as of today. By increasing users literacy level, Colendi helps them save through micro-investment platforms.

In 2024, Türkiyes first licensed electronic money institution Param was established and licensed by BDDK. It offers services such as electronic money, prepaid cards, physical/virtual/soft POS and e-wallets to individual and corporate customers. Param is the only electronic money institution holding all card issuing licenses for Troy, Mastercard, Visa and Discover card schemes and the first and only non-banking member of BKM TechPOS platform. Param, approved by the Central Bank, has been breaking new ground since the day it stepped into the sector with 10.5 million prepaid cards. Winner of the "First TROY Global Card Issuing Electronic Money Institution" award at the Discover Global Network 2019 Awards, Param serves with more than 150 co-branded cards, including BaroKart for lawyers, AdaletKart for Ministry of Justice personnel as well as shopping mall, university and union programs. Offering collection solutions for every moment of physical or remote payment, ParamPOS serves over 100 thousand corporate and individual customers. Param extends its influence by acquiring the fifty percent of Momento Reklam ve Pazarlama Ticaret A.Ş., Türkiyes leading rewarding system in 2021 and in 2022 all shares of Eçözüm Bilgi Teknolojileri A.Ş., known for its open banking and online collection solutions. Param, which received investment from the European Bank for Reconstruction and Development (EBRD), CEECAT Capital, Alpha Associates and Revo Capital in the first round with a valuation of over 200 million USD, continues to have a strong presence in the financial technology sector with more than 1,200 employees. In order to transfer its know-how to Europe, Param started to operate in the United Kingdom under the name Param UK. Its journey continued by purchasing the Czechia-based BNPL provider Twisto in 2023 and establishing Param International in the Netherlands. The newest companies in the Param family include Univera and Univis, leaders in sales, service and logistics.