AI-powered digital deposit bank serving Turkey's retail and embedded finance markets
ColendiBank is Turkey's first AI-native digital deposit bank, licensed by BDDK in October 2024 and accepting customers since May 2025. The tech stack (Java/Spring, PostgreSQL, Couchbase, MongoDB, SWIFT) reflects a fintech-grade infrastructure built for real-time transaction processing and regulatory compliance. Active projects span embedded BaaS, treasury system integration, and design systems — indicating a platform designed for both direct retail and B2B embedded finance channels. The hiring mix is heavily skewed toward senior-level talent (7 of 9 hired roles) in product, design, and marketing, signaling early-stage focus on product-market fit and brand positioning rather than scaling engineering.
ColendiBank operates as a fully licensed digital deposit bank in Turkey, offering AI-powered personal banking with embedded finance capabilities for partners. The company targets retail customers seeking frictionless digital banking alongside businesses seeking embedded financial services. With an 11–50 person team based in Istanbul and concentrated hiring in Turkey, ColendiBank is in its first operational year post-regulatory approval. The product roadmap prioritizes treasury system integration, process automation to reduce bottlenecks, and scalability across synchronous and asynchronous transaction flows — core pain points in early-stage banking operations.
Java, Spring Boot, PostgreSQL, Couchbase, MongoDB, Git, Jenkins, Jira, and SWIFT for payment rail integration. Stack reflects fintech-grade transaction processing and regulatory reporting infrastructure.
ColendiBank received its operating license from BDDK (Turkish banking regulator) on October 31, 2024, and began customer onboarding on May 5, 2025.
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