Digital & Mobile Banking

Digital banking headlines were set by TEB; the bank's ChatGPT integration became the most talked-about development in the sector. Halkbank also took a similar step by making its products and services accessible through ChatGPT, drawing attention, and the two public banks were seen entering the chat-based assistant race at the same time. ING Türkiye is simplifying the customer experience with new solutions such as digital document and instruction management, while Enpara Bank stood out with its fully digital banking model and strong performance news. Akbank is being talked about in mobile channels thanks to the Juzdan app and its open banking integration, while Garanti BBVA offered customers a new experience with a smart chat-supported feature added to its mobile app. Vakıf Katılım stood out with its feature that brings account and card information together on a single screen, and Ziraat Bankası maintained its visibility with additional digital features added to its mobile and internet branch. At the lower end of the list, QNB Türkiye kept its visibility with active campaigns and its platform, while İş Bankası maintained its momentum with digital banking campaigns run under its Maximum brand.

Looking at the overall picture, there is intense competition between public and private banks through chat-based assistant technologies and single-screen experiences.

In conclusion, chat-based assistant integrations shaped today's digital banking agenda; the steps taken by TEB and Halkbank have pushed other banks toward similar digital transformation moves.