As an Aktif Bank subsidiary that has played an important role in the digital transformation of the retail ecosystem since its establishment as one of Turkey's first and leading payment and electronic money institutions, Pay N Kolay facilitates the financial processes of thousands of commercial enterprises with its innovative solutions. By offering reliable and fast payment options to more than seven million individual users, in addition to the thousands of commercial enterprises whose lives it touches every month, it maintains its pioneering position among Turkey's most widespread payment service providers.
It continues to make life easier with nearly 600 transaction centers and over 3,000 workplaces nationwide, adding up to more than 15,000 physical service points in total. Mentioning that they have successfully realized the integration of digital and physical channels with their strong technological capabilities, Pay N Kolay General Manager Haluk Yum said, "Regardless of time and place, we aim to offer an uninterrupted experience to our users at any moment and at any point. With this perspective, we keep the competition in the retail sector alive and provide advantages that will give our customers an edge.
We are working for the needs that customers are not yet aware of
Stating that as Pay N Kolay, they offer convenience to businesses not only at the point of payment but across all financial processes, Haluk Yum said, "We reduce the burden of commercial structures by enabling the control of all financial operations to be maintained from a single platform. Thanks to this portal by N Kolay, critical financial transactions such as real-time transaction tracking, detailed reporting, early release of blocked funds, and money transfers can be easily carried out. This speed we provide to our stakeholders allows them to maximize satisfaction by dedicating more time to their customers.
Especially considering that the retail market is changing at a very rapid pace today, we can recognize that the digitalization of payment systems has a very serious share in this transformation. As the digital world becomes more integrated into our lives, it is possible to say that customer demands have also concentrated in this direction. Beyond meeting the expectations of our customers who desire to safely receive 24/7 service that is fast and without borders, we work with all our strength to respond even to demands that have not yet come to light but we foresee will emerge. As Pay N Kolay, we reinforce our leading identity in the sector with the new generation POS devices, Android-based mobile payment solutions, and virtual POS systems we have developed specifically for businesses operating in the retail sector. For example, by making it possible to receive payments from mobile devices with our CepnPOS product, we both reduce the costs of businesses and increase their operational efficiency.
We are diversifying our integrated solutions with our international collaborations
Pointing out that investments in AI-supported products and open banking technologies will increasingly grow in Pay N Kolay's forward-looking, long-term plans, Haluk Yum said, "By obtaining the maximum benefit from rapidly developing artificial intelligence technologies, we aim to reduce the operational expenses of our customers and make their financial processes more transparent, simple, and accessible. By foreseeing not only the needs of today but also of the future, we will continue to develop innovative solutions that take the user experience to the highest level.
On the other hand, we will sign new collaborations with both local and international players to develop secure and fast systems compatible with open banking applications. Thanks to these collaborations, our customers will have a more integrated experience that brings different financial service providers under a single roof. We see the technology we put at the heart of our business not just as a tool, but as a key element that increases inclusivity, accelerates the growth of businesses, and makes individuals' lives easier.
We will continue to shape the future of the retail world
Expressing that they view the second half of 2025 as a period where new opportunities will be evaluated and growth will accelerate, Haluk Yum said, "As a subsidiary of Aktif Bank, which acts as Turkey's largest financial technologies ecosystem, we will continue to contribute to the growth of businesses all over our country with our technology investments, and to shape the future of the retail world in parallel with our leading role in the sector. At the same time, we see that we create added value for the Turkish economy with the benefits we offer to businesses, and we are proud of this.
Financial technologies and payment systems, which are rapidly changing worldwide, have become a power that closely concerns all the dynamics of trade. Advances in artificial intelligence, open banking, and digital wallet technologies will bring a more borderless, smarter, and more accessible dimension to the financial world in the coming years. We closely follow global trends so that businesses in Turkey do not fall behind this transformation. The most important goal that fuels our enthusiasm for work is to ensure that local businesses exist in a way that leaves a lasting mark in global competition.