Garanti BBVA Named Turkey’s Best Consumer Digital Bank by Global Finance

Garanti BBVA has been named ‘Best Consumer Digital Bank in Turkey at Global Finance’s World’s Best Digital Bank Awards. In 2025, Garanti BBVA delivered a digital banking experience powered by artificial intelligence, real-time data, and personalization technologies to its 17.9 million active mobile banking clients.

Garanti BBVA has received the ‘Best Consumer Digital Bank in Turkey’ award as part of Global Finance’s World’s Best Digital Bank Awards program. The award recognizes excellence across the full spectrum of consumer digital banking, evaluating banks on their use of technology to enhance the client experience, AI and personalization capabilities, payment solutions, security, open banking, innovation, client engagement, financial inclusion, and service reliability.

At the heart of Garanti BBVA’s award-winning digital banking strategy is the Garanti BBVA Mobile app. Its lifestyle and client-segment features provide end-to-end solutions tailored to the everyday needs of the bank’s clients, while the bank’s technological infrastructure enables them to access personalized financial health recommendations. In 2025, the app reached 17.9 million active mobile users, with 86% of sales completed through digital channels and 99% of transactions conducted outside branches. The bank also maintained its leading position in mobile client experience, as measured by its mobile Net Promoter Score (NPS).

Artificial intelligence and real-time data are key components of the secure, seamless digital experience Garanti BBVA provides to its clients. Ugi, the bank’s intelligent assistant, has been redesigned using generative AI, evolving from a reactive tool that simply answered questions into a proactive financial companion capable of anticipating clients’ needs and offering personalized solutions in real time. Ugi enables natural, proactive interactions and can also direct users to human-assisted channels when needed. In 2025, Ugi recorded 73.4 million interactions with 8.2 million clients, providing personalized recommendations and financial guidance.

Commenting on the award, Ceren Acer Kezik, Deputy General Manager of Garanti BBVA, remarked that the bank’s Radical Client Perspective guides its approach to designing processes from its clients’ point of view, with a focus on making their lives easier and banking more effortless. She explained that digital banking is a key part of this strategy, with AI, data, and personalization technologies helping the bank understand its clients’ needs at the right time and deliver experiences that are genuinely relevant to them.

“Being recognized as the Best Consumer Digital Bank in Turkey by an internationally respected organization like Global Finance is particularly meaningful to us. It demonstrates that our approach and our work in digital banking are being recognized on a global stage,” she said.

Kezik also thanked all the teams whose efforts contributed to the achievement and who work every day to deliver an even better experience for the bank’s clients.