Colendi is a multifunctional fintech platform that democratizes banking services beyond the limits of traditional banking for consumers, institutions, and financial institutions, aiming to solve a chronic financial problem that directly affects more than three billion people without bank accounts and more than five billion people who cannot get credit by combining new generation financial technology solutions that benefit from artificial intelligence and big data to develop unique services based on scoring algorithms. Colendi has reached 7 million users with platform partners and strategic business partners and now provides quick and easy access to loans and other financial services with a buy now, pay later model. Colendi aims to increase users' financial literacy levels and help them save through micro-investment platforms.