1995

• KKB was established on April 11th.

1999

• The Credit Reference System (CRS) launched in April.
• With an amendment to the Banking Law on 17 December 1999, in addition to institutions such as banks, insurance providers, and consumer finance companies, other corporate enterprises deemed appropriate by the Banking Regulation and Supervision Agency (BRSA) are allowed to become members of KKB.

2000

• The Customer Objections Handling System (MIDES) launched.
• SABAS (Fraud Detection and Prevention System) went into operation.
• MIDES migrated to an electronic platform, making it possible to reply to a customer’s objection within two hours maximum.

2001

• Credit Account Records, as well as Credit Application Records, were opened to sharing.

2002

• The Information Verification System (IVS) went into operation.

2004

• Individual Credit Score (ICS) was introduced.

2005

• The Information Verification System (IVS) went into operation.

2006

• MIDES, Information Verification, and the Emergency Update System were converted into an online, interactive information exchange platform.
• The Limit Control System (LCS) was launched pursuant to Article 9 of the Debit Cards and Credit Cards Law.

2007

• The Internet Frauds Alarm System (IFAS) launched

2008

• With the addition of the data from mortgaged real estate, persons banned from participation in tenders, and bounced cheques to the Corporate Bureau System (CBS), the database was enriched.
• The technical infrastructure of SABAS was improved and integrated with the KKB system.

2009

• The “Bounced Cheque Query System” was launched for the inquiry of bounced cheque data, which are shared with the members on a daily basis.

2012

• Undergoing a period of rapid transformation, KKB set out to create a system for the real sector, similar to the closed-circuit system between banks.
• In parallel with the modified vision and needs, the organizational structure was revamped, and new corporate identity works were completed.
• Concrete steps were taken to launch the infrastructure of the Risk Center. Risk and Cheque Reports were introduced and the E-Reporting System, enabling electronic report requests and delivery, became operational.

2013

• E-Reporting System was launched.
• Commercial Credit Rating (CCR) was launched.
• Credit Rating and Cheque Index started to be provided together with the Cheque and Risk Reports.
• E-Newsletter started to be sent to KKB members regularly.
• GeoMIS, the map-based reporting service, was made available to CRS-member institutions.
• TARDES and GeoMIS websites went live.
• Personal Credit Rating (PCR) was opened for use with an upgraded fourth version.
• Following the agreement executed between the Banks Association of Türkiye (TBB) and KKB, works on the Risk Center commenced. The entire infrastructure and operation-related works were undertaken by KKB.

2014

• The Findeks brand was introduced and www.findeks.com launched. Findeks press launch was held. A 360-degree communications campaign was initiated.
• The first corporate social responsibility project, “You Imagine, We Realize,” organized by KKB for all university students in Turkey, started.
• Cheque Status Inquiry was launched.
• The Household Database and Trade Registry Sharing System (TRSS) was launched.
• The Loans Analysis Portal went live.
• The Address Processing System was launched.
• Letter of Guarantee Status Inquiry (LGSI) was launched.

2015

• The Findeks QR Code Cheque System was launched in collaboration with the Banks Association of Türkiye.
• The National Fraud Detection and Prevention Service was launched. The Factoring Invoice Pool of the Association of Financial Institutions (AFI) was created.
• The foundation was laid for the Data Center, which will be built in Ankara.
• The Cross Cheque Relations Inquiry Application was launched.
• IBAN Verification Service was launched.
• The CRS daily sharing system went into service.
• The Real Sector Credit Assessment System, which was designed for the vehicle rental and leasing sector in collaboration with the Auto Leasing and Rental Companies Association (TOKKDER), was launched.
• The second edition of the social responsibility project ideas competition, “You Imagine, We Realize,” was organized.

2016

• QR Code Cheque was enacted on 9 August 2016, with the announcement in the Official Gazette numbered 29796.
• The construction and infrastructure of the Anadolu Data Center located in Ankara were completed.
• Cheque Analysis Portal was launched.
• Limit Control System (LCS) Customer Objections Handling System (MİDES) application was put into service.
• KKB Unknown Number Service was launched.
• Collection Scores were introduced. Inclination Scores were rolled out.
• Commercial Credit Rating (CCR) Version 2 was put into service.
• The total number of annual transactions exceeded 1 billion.
• The social responsibility project ideas competition “You Imagine, We Realize” was held for the third time.

2017

• QR Code Cheque implementation became compulsory as of 1 January 2017.
• KKB’s Emergency Center moved to the KKB Anadolu Data Center, which was completed in Ankara.
• The “Audio Question Bank” was launched by KKB employees to provide equal opportunity for visually impaired students.
• Force Majeure Inquiry and BKM Member Merchant Turnover Information Inquiry services were launched.
• Individual Inquiry Reports were put into service.
• Loan Utilization Instant Sharing Service (KAPS) was introduced.

2018

• The Findeks QR Code Cheque Registration System was introduced on 1 January 2018.
• The Electronic Letter of Guarantee project was launched. The first electronic letter of guarantee was issued on 4 October 2018.
• The Foreign Currency Credit and Income Inquiry System, which enables the instantaneous monitoring of foreign currency income and risks of companies, was introduced.
• Unpaid invoice information in the telecommunication sector was obtained and shared with the financial sector. In the World Bank’s Doing Business Report, KKB received a comprehensive rating in terms of the scope and effectiveness of the credit bureau.
• Information contained in the Information System of the Tradesmen and Craftsmen (ESBIS) started to be shared with KKB members via MERSIS.
• Data richness was ensured by introducing leasing and factoring company notifications into the Corporate Bureau System. 

2019

• The renewed Findeks Mobile App was made available for users.
• QR Code Cheque System was introduced.
• BRSA Product and Service Fees Portal went live.
• “Retrospective CRS Inquiry” and “Provision of Risk Center Report via E-State Gateway” were introduced on behalf of the TBB Risk Center.
• At the Sardis Awards, the QR Code Cheque System Project won the Golden Sardis, and the Electronic Letter of Guarantee Project won the Silver Sardis.
• The Audio Question Bank Project won the Innovation Award at the TİSK Corporate Social Responsibility Awards. The project also won the Gold Award in the Social Responsibility Projects Communication category at the Istanbul Marketing Awards, and the Grand Prize as a company adding value to sustainable development goals.

2020

• KKB R&D Center was established.
• Turkish ID Number-GSM verification service was launched.
• Agricultural Loan Score was put into use.
• KKB Nova platform was put into service.
• KKB won a Silver Sardis Award for its Findeks Mobile Project.
• The “Findeks Renewed Mobile App Communications” campaign received a Bronze Effie Award.
• KKB was awarded the first prize in the “Future of Business - Metrics & KBIs” category at the IDC Turkey CIO Summit Awards.
• KKB’s Digital Transformation Project was awarded the second prize in the “Digital Trailblazer” category at the IDC DX Awards

2021

• The number of Findeks users reached 5 million.
• the KKB Anadolu Data Center rounds off its 5th year.
• Individual Credit Score (ICS) G6 Score Integration was realized.
• Commercial Indebtedness Index and Web Score launched.
• “Dynamo”, the in-house entrepreneurship platform, is implemented.
• KKB Sustainability Report published.
• Commercial credit data notifications logged.
• Query-based “Misconduct Detection Analysis Model” working with Artificial Intelligence is commissioned.