Affiliated Corporations


E-Kent is a technology integrator offering smart city solutions to provide infrastructural transformation and introduces value added profitable business models. Established in 2002, E-Kent is a leading system integrator and operating company in Turkey. E-Kent executes 1 billion transactions, 2 million smart transportation cards sales and 8 million smart card management in total in a year with its transportation solutions infrastructure. E-Kent operates the most extensive and high volume Electronic Fare Collection System of Turkey with 300 million magnetic ticketing in total.

As a result of the tender performed by Turkey Football Federation (TFF) in 2013, the Company  is appointed as ‘E-Ticket System Integrator’ and realized the world's largest stadium transformation project including infrastructure transformation in 47 stadiums in 27 different cities, passage control and monitoring systems, centralized integrated ticketing and stadium box office services infrastructure. E-Kent will carry out matchday operations  in all stadiums of 36 teams in Süper Lig and TFF 1.Lig until the end of the 2023-2024 football season.

E-Kent has realized 6,1 million match tickets and 630 thousand seasonal ticket sales since April 2014, which is the beginning of the E-ticket project and has transferred 655 Million TL sales revenue to the clubs. As a result, the Company made possible the entrance of 12 million football fans to the stadiums.


N Kolay is the biggest payment institution in Turkey by volume. N Kolay business model mainly focuses on bill payment, money transfers and other financial services.

  •   - 4.650 service points all around Turkey
  •   - Monthly average number of transactions 6.500.000 
  •   - 2.800.000 customers
It has been awarded “Best Physical Distribution Channel” thanks to its Unique Hardware and Platform, powerful infrastructure and extensive range of products in EFMA (European Financial Management and Marketing Association) awards which is one of the most prestigious awards of banking.


UPT is Turkey's first and only local, global money transfer and payment platform for domestic and international transfers to account, credit cards or for cash payments in multiple currencies. UPT started its journey in Turkey in 2010 with the brand UPT – Cheap Money Transfer. With the expansion of our international network, we also started using UPT as “Universal Payment Transfer” since 2012.

UPT reached 222 countries and over 400.000 service points. UPT offers a new generation of money transfer system which allows customers to send and receive money domestically to a name, bank account or card, and globally to an account or contracted UPT Service Point instantly in TL, USD or EUR. 

There is no need for bank account or credit card in to make use of the money transfer system. Customers are only required to have a valid identity document and reference number of the transaction. The transferred money is automatically transferred to a bank account or credit card.  Today, millions of people prefer UPT for money transfer transactions all over the world. UPT has a distinctive technical infrastructure that focuses on customer satisfaction and customer oriented service system that distinguishes UPT from other money transfer systems.


​ is an online insurance comparison website which ensures the finding of insurance products most suitable to the customer needs in minutes. It ensures that the users receive offers from the industry's leading insurance companies and make comparison and reach insurance products easily by simplify long and complex insurance operations.

Sigortayeri.comwith its infrastructure, 360 degrees communication channels and value added services concept has created “Sigortayeri Garanti Eder” to be next to the users when they wished and to be the first to come to mind when mentioned from insurance.

Sigortayeri Garanti Eder responds the needs of Sigortayeri users in many areas.

Best Price Guarantee: It provides the best priced insurance products according to the market conditions.

DamagePayment Guarantee in 5 days: It follows the procedures after the damage and ensures the payment in 5 business days.

Your Personal Customer Representative: Following the first talk with Sigortayeri Customer Service, a personalized customer service representatives appointed and it is provided that all calls are made with the same customer representative.

Term Reminder: when your insurance renewal term gets closer, it finds most suitable offers for you.

Anywhere with You: Sigortayeri is with the customers any time through the technological communication channels such as Whatsapp, online chat, Skype, 3950.

ASK to Sigortayeri: It is a communication channel positioned as data bank of Sigortayeri and which all kinds of questions can be asked about insurance.


Established as an affiliate of Aktif Bank, Turkey's largest privately-held investment bank, Echo Information Management Systems A.Ş. has been operating since August 2016.

With the EchoPOS brand, our company aims to be a "Next Generation Solution Partner" for the retail industry and offers end-to-end payment systems and integration solutions for businesses' front and back offices.

EchoPOS organizes retail chains; It offers Windows based automation systems integrated with the next generation cash registers.

EchoPOS also offers customers different financial models with the strength that Aktif Bank has as a group company.
This solution, which is offered for the first time in Turkey with rental model of all software and hardware units, communicates easily with 3rd party applications through real time and bidirectional communication protocols, simple and scalable architecture, easily customizable for project requirements, mobile and web applications Manageable. With EchoPOS, businesses can meet the needs of a new generation of cashless chassis from a single location without the initial investment cost.


PAVO Technique Service Electric Electronic San. Tic. Inc. With its long-standing experience in cash register systems, offers local and foreign customers a solution in the field of payment systems, especially in financial approved cash registers (ÖKC-Payment Recorder).

PAVO, which has been operating as an Aktif Bank subsidiary since 2013, coordinates all its activities from Istanbul. PAVO intends to keep customer satisfaction at the top level w
ith its strong R & D infrastructure, solution-focused sales-marketing strategies, qualified production and operation services.

In collaboration with the world's lead
ing payment systems provider Ingenico, PAVO has designed two different models of EFT POS device and upon acquiring a production licensing permit PAVO has achieved a respectable position in the next generation cash register POS market. PAVO also develops tailored value added solutions for retail channels of different industries and companies not only through its EFT-POS enabled Ingenico iWE 280 mobile cash register, but also through its desktop EFT POS model Ingenico iDE 280 which has been launched in November 2015.

AVO provides high quality service to its customers across Turkey via more than 170.000 Ingenico Cash register POS devices and over 20.000 value added applications and software integrations.

Thanks to GMP3 infrastructure applications that integrate in bank, lunch card and ERP software on cash register POS devices,
PAVO has been recognized as a high quality, reliable and end-to-end solution provider for many industries. ​


Targeting to operate in Islamic finance & investment universe, Mükafat Asset Management was established on June 26th, 2016 by the partnership of Aktif Bank and Islamic Corporation of the Development of the Private Sector (ICD) –an affiliate of Islamic Development Bank. The company, which was given its operation license by Capital Markets Board on December 19th, 2016, strives to carve out a niche for itself with its alternative investment products such as Private Equity Funds and Real Estate Funds. Mükafat Asset Management is also going to manage Mutual Funds as well as Pension Funds. 

In addition to the above-mentioned products/services, one of Mükafat Asset Management’s main objectives is to create value for its investors via discretionary portfolio management by constructing winning portfolios according to investors’ risk appetite and duration preference. 


Haliç Finansal Kiralama A.Ş. was established in Istanbul on 05.11.2004. In 2016, the company’s capital was raised by its new shareholders, namely Aktif Yatırım Bankası A.Ş., ICD (Islamic Corporation for the Development of the Private Sector) which is an affiliate of Islamic Development Bank and Ijara Management Company.

The Company’s vision is to provide services in line with ethical principles, have its signature under socially and economically profitable projects and provide agile and customized solutions for all types of projects across different sectors.

Haliç Leasing aims to assist its customers to acquire equipment by providing advantages such as 1% VAT, 100% external financing, tax exemptions, fixed instalments during the contract’s term, recognition of the rent instalments as expenses. 

Furthermore thanks to Aktif Bank’s experience in capital markets, Haliç Leasing aims to attract long term funds from Gulf Cooperation Council (GCC) and Asian countries to Turkey through SUKUK issuance.