Koçfinans R&D

Koçfinans R&D Center: Shaping the Future of Finance!

As the first financing company in Türkiye to receive an official R&D Center certificate, we continue to lead innovation in the financial sector. Established in 2019, our R&D Center combines 30 years of deep-rooted experience with cutting-edge technologies, moving forward with the vision of delivering unique financial solutions to our customers and business partners.


Data-Driven and AI-Powered Innovation


At the core of our R&D strategy lie artificial intelligence (AI) and data-driven approaches. Going beyond traditional financial models, we develop AI-based analytical models across all processes, from loan applications to collections. Through this approach, we:

· Enhance risk management and decision-making processes with smarter, data-driven insights.

· Provide personalized solutions for each customer through tailored products and pricing models (such as Risk-Based Pricing).

· Leverage alternative data sources (psychometric, mobile, and behavioral data) to extend financing opportunities to customers not served by the traditional banking system.

· Increase operational efficiency by assigning repetitive tasks to generative AI and software robots, allowing our employees to focus on strategic initiatives.

Intelligent Automation and Sustainable Growth

Intelligent Automation is at the heart of our future vision. By integrating analytical models, Agentic AI (autonomous AI agents), RPA (Robotic Process Automation), and LLMs (Large Language Models), we design end-to-end managed and continuously optimized processes. This enables us to deliver financial solutions faster, more accurately, and more efficiently, ensuring sustainable growth.

Academic Collaborations and Support for the Startup Ecosystem

The Koçfinans R&D Center is an active part of the innovation ecosystem. Through collaborations with universities (TÜBİTAK 1005 and 1505 projects) and participation in international programs (IraSME), we closely follow scientific and technological advancements. In addition, with initiatives such as the “Finnovate” Idea Camp, we support young entrepreneurs and contribute to the development of the sector by investing in promising Fintech startups.

Why Koçfinans R&D Center?

Instead of costly, foreign-based solutions, we develop original and innovative software tailored to the needs of our country and company. We implement these solutions within our organization and also offer them to other companies, creating added value for the financial sector. With our obust technological infrastructure, agile project management methodology, and continuously learning team, we aim to maintain our pioneering role in financial technologies.