Providing smart urban solutions and system integration services, E-Kent carries out 1 billion smart transport transactions annually. E-Kent brings technological transformation to the cities it serves while developing value-added business models for public administrations. E-Kent offers smart public transport solutions and manages fare collection operations for nearly 8 million citizens in various provinces, including Turkey’s capital, Ankara. Since the day of its inception, E-Kent has carried out 15.8 million smart transport card transactions and 379 million transport ticket operations in total. 

E-Kent has also successfully carried out the world’s biggest stadium infrastructure transformation project, which involves entrance control and surveillance systems, integrated ticketing, stadium box office services and infrastructure for 60 stadiums in 31 provinces in Turkey. Since April 2014, over 20 million football fans accessed stadiums using the e-ticket project of E-Kent, which sold more than 10 million match-day tickets for over 4,000 games and more than 1 million seasonal tickets, generating revenues of approximately TRY 2.2 billion for sports clubs. 

As part of its strategy to expand to international markets, E-Kent continued to market its software and hardware solutions overseas, and its products and services are making a name for themselves in the 2022 Qatar World Cup, football stadiums in Algeria and football stadiums and athletic fields in Senegal. 

E-Kent entered the entertainment and event organization industry in March 2019, and became the leading ticketing platform boasting the highest ticket revenue in 2021, thanks to its partnerships with leading event organizers as well as its existing expertise and experience.


In addition to being the only money transfer institution that provides services through digital and physical channels, UPT Ödeme Hizmetleri ve Elektronik Para A.Ş., Turkey’s first licensed payment provider, offers money transfer services in multiple currencies to cards and accounts both in Turkey and abroad. UPT, which expanded its playing field by developing the UPTION application after obtaining an electronic money license in 2021, has a very large network that enables money transfer transactions in approximately 95% of all countries around the world. In this context, UPT is positioned as a company offering the most widespread access among payment providers worldwide.

Delivering innovative solutions by adapting with agility to the ever-evolving technological landscape and changing consumer behaviors in today's world, UPT stepped into the digital realm with the UPTION mobile application, which it launched in 2021. UPTION is a mobile application that enables 100% digital customer acquisition and where alternative solutions are offered for payment and money transfers of Turkish citizens and foreigners residing in Turkey. Customers from 91 different nationalities residing in Turkey signed up to become an UPTION member and performed more than 46,000 transactions, creating a transaction volume of over TRY 200 million.

In 2021, UPT carried out 2.3 million transactions in 176 countries, achieving a transaction volume of more than TRY 11 billion. Increasing the number of contracted banks and payment providers abroad to 130, UPT expanded its service network and range of services.  

Making great strides in its regional growth targets, UPT increased the number of countries where it operates with the UPT brand and system to 11 in 2021, demonstrating its commitment to becoming a regional brand. UPT transactions between countries other than Turkey climbed by 249% in 2021. In total, 57 overseas banks or payment providers from 62 countries utilized the UPT infrastructure to carry out money transfers to 59 countries. Working towards its aim of striking new partnership deals, especially in Russia & the CIS, UPT will continue to expand its operational footprint overseas in 2022.

UPT adopted a customer satisfaction-centric approach for both its physical locations and its mobile application UPTION. Having set its sights on enabling fast and low-commission international money transfers, UPT ensures the satisfaction of its customers who send money to their families and loved ones. With customer satisfaction positioned at the core of its operations, UPT will continue to expand its product range and increase its regional footprint in 2022.


Sigortayeri Sigorta ve Reasürans Brokerliği A.Ş. expanded its partnerships in 2021, achieving growth in net sales revenues and further cementing its position as "Turkey's largest domestic broker" providing insurance and consulting services to retail and corporate customers. 

Sigortayeri expanded upon its partnership deals with leading players in the retail industry for its digital services, enhancing the integration of its insurance capability into customer-based “ecosystems".

In line with its principle of facilitating access to financial services, Sigortayeri offered digitized services to customers with its range of customizable, comparative products that cater to the needs of end customers and robust retail insurance distribution network.

Offering corporate insurance solutions in different fields, Sigortayeri continued to take part in the insurance placement of major projects in Turkey and many other countries in the region. Sigortayeri has taken part in major insurance coverages and financial insurance products in the energy, construction, healthcare, textile, automotive and financial services industries, and strengthened its privileged position by gaining more experience in trade receivables insurance, bail bonds, engineering, professional liability, cyber risk and project finance insurance products that replace or supplement banking solutions.

In renewable energy, Sigortayeri developed a special insurance facility suitable for project development for the construction and operation phases of solar and wind power plants, enabling the company to maintain its sector leadership in SPP project insurance in 2021. The company is the insurance broker for 30% of Turkey's solar power generation


PAVO expands its range of next-generation payment systems services to offer modern solutions leveraging its strong R&D team, experience and expertise. Offering services with over 250,000 licensed cash register POS devices, PAVO has increased its market share to around 20% to become one of Turkey's two most important players in software integration and value-added applications. 

Hard at work to diversify its next-generation payment solutions since 2020, PAVO adapted itself to the new business models that emerged in payment systems in accordance with the Communiqué no. 507 of the Ministry of Treasury and Finance of the Republic of Turkey. Incorporating "Operator Organization, Special Integration, Android Device Solutions, BKM (Interbank Card Center) Techpos, ERP" and project-based payment systems software development into its activities, PAVO collaborates with its solution partners to offer its customers standard products and turnkey projects in line with their expectations. 


Echo Bilgi Yönetim Sistemleri A.Ş. commenced operations in August 2021 with the EchoPOS brand, and by the end of 2020, the company has completed over 13,000 software and hardware installations in 81 provinces of Turkey, becoming a “Next-Gen Solution Partner” with end-to-end payment systems and integration solutions for front and back offices of enterprises.

EchoPOS is one step ahead of its competition thanks to its high value-added products and services, simple, scalable and easy-to-integrate architecture, and user-friendly interface that can easily be customized to meet project requirements.

Having partnered with Turkey’s leading retailers, EchoPOS provides a robust, error-free infrastructure for over 2 million daily transactions on average.

N Kolay Payment and Electronic Money Institution

Boasting Turkey’s largest and widest network in the payment services sector, N Kolay has been providing its customers with easy access to reliable services for 14 years through more than 570 N Kolay Stores and 3,500 Shop-in-Shop locations. 

N Kolay started to provide payment services at more than 9,000 locations through its cooperation with the largest retail stores in Turkey, and increased the number of its physical service locations to over 13,000 in all of 81 provinces.

Providing services to its retail customers at physical locations, N Kolay also provides payment service provider services with APIs to other organizations operating in its respective sector. To serve this end, N Kolay continues its cooperation with E-Para, which is owned by three GSM operators. 

N Kolay handles approximately 80 million transactions annually, primarily comprised of bill collections and domestic/international money transfers, and acts as an intermediary in payment transactions worth TRY 7.2 billion. 

With the Operational Expansion permit obtained from the Central Bank of the Republic of Turkey at the end of 2020, POS services began to be provided to small and medium-sized enterprises during the year. 2022 is a year in which N Kolay aims to achieve growth in POS services. 

With the synergy created by the POS service it will provide, N Kolay also aims to provide services that cater to the finance needs of SMEs through a platform that will work in integration with banks. 


Aktif Asset Management was established in 2016 as an Aktif Bank subsidiary engaged in asset management under the CMB regulations. Aktif Asset Management leverages its extensive know-how and industry expertise to offer alternative revenue streams to investors via investment funds it creates and manages for various risk/yield expectations. In addition to investment funds, Aktif Asset Management offers the high yield of real economy to investors via investment capital and real estate funds, while its pension funds offer long-term solutions to customers in the pension system. With approximately 80,000 domestic and international corporate and individual investors, Aktif Asset Management increased the asset size it manages to an excess of TRY 4 billion in the last two years, and continues to diversify its family of funds with accurate prediction of emerging needs.


Emlak Girişim Danışmanlık A.Ş. was founded to seize business opportunities in the real estate and construction industries, and to participate in investment projects, primarily those in the energy industry. The company boasts investments and activities in a wide variety of sectors such as renewable energy, electronic security solutions and human resources consulting.

One of the most important investments by Emlak Girişim A.Ş. is the Istanbul International Finance Center (IIFC), one of the largest regional planning projects of Turkey with a construction site sprawling over 3 million square meters, set to be one of the top financial hubs across the globe. Emlak Girişim A.Ş. also completed a significant investment as a profit and loss partner to the Metropol Istanbul project in the Ataşehir district. In addition, in 2017, the company became one of the leading players in the industry by investing in a 61 MWp solar power plant project. As of the year-end 2021, the company’s portfolio includes a solar power plant investment with a total energy generation capacity of 30.8 MWp, and biomass plant investments that will have a total energy generation capacity of 12 MWp once operational in 2022.


İnovaban İnovasyon ve Finansal Danışmanlık A.Ş. offers “Growth Strategies and Process Management” services to companies that aim to gain competitive advantage through R&D and innovation. It is the only company in its field to provide its customers with integrated solutions in the main services of fully utilizing R&D incentives and support programs, financial and legal risk management, and consultancy on intellectual and industrial property rights. In 2020, İnovaban engaged and formed business relationships with several companies classified as high and medium-high technology by the Turkish Statistical Institute. The company maintained its close relations with private banks, investment funds and investment networks that value the R&D ecosystem. İnovaban has also carried out activities in order to boost value-added production in Turkey, and ensure that the country's companies gain the upper hand in the international competition and efficiently accelerate their respective journeys towards commercialization and globalization. To serve this end, İnovaban employees participated in more than 20 training events, virtual fairs and conferences as trainers and panelists.


Continuing to develop its products, systems and services in line with today's changing security needs, SECOM offers innovative solutions that provide a sense of security for its retail and corporate customers. It has taken major steps for the digitalization of physical security and established business partnerships with the world's largest technology companies in order to integrate Japan's advanced security technology into its own security systems. Striving to minimize security concerns by analyzing all the requirements of the markets in which it operates, SECOM continues to demonstrate its sustainable quality approach with R&D studies that contribute to ensuring security not only in Asia, but all over the world.


Workindo Teknoloji ve İnsan Kaynakları Danışmanlık A.Ş. was established in 2020 to offer solutions to the construction industry’s problems of finding qualified personnel, quickly forming a team and accessing materials and service providers. With its technological infrastructure, experienced team, smart strategies and the importance it attaches to each member of the construction industry, Workindo grows with each passing day, reaching more and more people from the industry. Workindo currently and actively operates in Turkey, Russia, Ukraine and Uzbekistan, and strives for a global operation by adding new countries to its operational footprint every year.  Today, Workindo boasts 400,000 registered members, 16,000 registered companies, 25,000 service requests and 15,000 job postings.

Aktif Tech

Aktif Tech is a technology company, which was established as a subsidiary of Aktif Bank to bring an innovative approach to payment and ticketing system software. Aktif Tech provides software solutions and end-to-end operation services with a high added-value to all its customers. Its customers include holdings, financial institutions and subsidiaries thereof, of all sizes, and in particular, payment institutions, e-money institutions abroad, and institutions that need ticketing software products. Aktif Tech continues to operate to share its experiences and technology on a global scale, particularly in the Balkans, Africa, Turkic Republics and CIS region.

Atlas card payment software, a payment system product by Aktif Tech, is an affordable, web-based platform, which enables full-function management of terminal products such as credit cards, debit cards, prepaid cards, POS, virtual POS and ATMs for financial institutions, payment and e-money institutions. It also supports multi-language options, and enables revision of products in accordance with the needs and demands of its customers. Apart from the services such as operations, system monitoring, fraud monitoring, project development and processing by means of current software technologies, Aktif Tech aims to provide card payment software as SaaS and ensure 100% customer satisfaction. With the ticketing software, which features dynamic pricing, product sales, gift vouchers etc., and can be on-prem or cloud-hosted depending on the customer's request, Aktif Tech strives to become a technology provider for all kinds of sports events, cultural and art events, and events or platforms requiring ticket sales domestically and internationally.

Aktif Ventures

Building, growing and investing in end-to-end financial technology, Aktif Ventures operates as a “fintech venture builder”. Establishing digital ventures from scratch, Aktif Ventures uses its own ideas and resources to grow these ventures to a certain size. As an investor, it also invests in technology companies to grow their potentials, while developing the best possible strategies and taking all required actions for their rapid growth.

Positioning itself as a fintech venture builder, Aktif Ventures has set off to become a global “fintech enabler”. In accordance with this aim, it strives to create a powerful ecosystem that generates solutions to meet the needs of society by managing fintech operations not only in Turkey but also in all European countries and the UK. The first venture built by Aktif Ventures for this purpose is Apilion, which is fully based on service banking infrastructure. 

In addition, Aktif Ventures, together with Mindvest, the corporate venture-capital fund operating under its umbrella and supporting technological and innovative venture ideas, supports innovative, sustainable and creative financial technology ideas. It provides growth services and investment funds to financial technology ventures, which generate solutions that make life easier. Aktif Ventures, which will announce its micro and SME-focused digital banking fintech venture in the field of digital banking in the upcoming period, is getting ready to manage a wide portfolio with "indiBindi", its mobility solution that will soon be included in its portfolio.


KIC (Kazakhstan Ijara Company Joint Stock Company)

Founded in 2013 and having started operations in early 2014, KIC is the first Financial Leasing company in Kazakhstan to comply with Islamic rules and regulations. Offering leasing services to predominantly small and medium-sized enterprises (SMEs), KIC continues operations with a vision to become one of the biggest private leasing companies in Kazakhstan within five years.

ELC (Euroasia Leasing Company)

Founded in Tatarstan in 2012, “ELC” is the first “Islamic Financial Leasing” company to operate in Russia. Offering leasing services to small and medium-sized enterprises (SMEs) in particular, ELC is a leading Islamic financial leasing company in Russia.

EMIC (Euro - Mediterranean Investment Company Ltd.)

Founded in Nicosia in 2015, EMIC is the first and only Islamic Investment Company of Cyprus and the biggest international investment company in the Turkish Republic of Northern Cyprus (TRNC).