İnteraktif Kredi

İnteraktif Kredi, established in 2017 by Cesur Ölçenoğlu and Mustafa Gümüş, is a financial technology firm operating in Turkey that provides credit consultancy services to both individual and corporate clients. The founders leveraged their backgrounds in banking and finance to address the complexities consumers face when navigating the varied credit policies of different banks. Gümüş, who also serves as CEO, began developing the business concept in 2011, later transitioning the model into a technology-focused company with the launch of İnteraktif Kredi. Ölçenoğlu brought nearly a decade of experience in banking and insurance from institutions like Garanti Bank and Citibank.

The company's core offering is its AI-powered "Kredi Güven Raporu" (Credit Confidence Report), a financial analysis tool that assesses a user's creditworthiness beyond traditional scoring models. This TÜBİTAK-approved report analyzes income, debt, and payment habits to generate a profile, which is then compared against a database of successful credit recipients to determine a user's likelihood of securing a loan. For users deemed ineligible for credit, the platform provides financial literacy guidance to help them improve their financial standing. The business model is based on generating revenue from the sale of these reports. In addition to individual credit reports, the company offers a "Kira Raporu" (Rent Report) to help individuals prove their reliability as tenants for property and vehicle rentals.

For corporate clients, İnteraktif Kredi provides a decision support system that allows businesses to evaluate the credit risk of their customers, aiming to reduce bad debt and create a more secure commercial environment. The company has established partnerships with major Turkish financial institutions, including Türkiye Sigorta, Halkbank, Aktif Bank, and QNB Finansbank. Since its inception, the firm has attracted over one million users and has secured multiple rounds of funding. In March 2021, it received an investment from Alesta Yatırım at an 8 million TL valuation. This was followed by a seed round in November 2023, which valued the company at $6 million, with participation from Alesta Yatırım, former BKM General Manager Sertaç Özinal, İTÜ ARI Teknokent, and Keiretsu Forum investors. The company was part of İTÜ Çekirdek's 2019 cohort and is a graduate of İş Bankası's Workup Entrepreneurship Program's 10th term.

Keywords: financial technology, credit consultancy, credit scoring, personal finance, AI-based financial analysis, credit reports, loan eligibility, financial literacy, corporate credit risk, fintech Turkey, Cesur Ölçenoğlu, Mustafa Gümüş, Alesta Yatırım, İTÜ ARI Teknokent, Keiretsu Forum, Kredi Güven Raporu, credit advisory, risk assessment, debt management, loan services, rent report, SME financing solutions