With user expectations rapidly evolving and artificial intelligence redefining the financial experience, Garanti BBVA is at the forefront of this change. Its banking app, Garanti BBVA Mobile, is one of the most popular in T\u00fcrkiye, reaching 17.9 million customers. The app has set a new standard in the sector with its modern design, customizable menu, personalized recommendations and its AI-powered assistant, Ugi. Currently, 99 percent of bank transactions and 86 percent of product sales use digital channels, underscoring the scale of this shift.<\/p>\n
A more personalized, smarter mobile experience<\/p>\n
In 2025, Garanti BBVA Mobile was redesigned<\/a> to make customers\u2019 financial lives easier with a more interactive, personalized experience. With customizable menu options, smart flows and tailored recommendations, the app offers personalized advice, reminders and financing offers based on customers\u2019 spending patterns and budget cycles. Acting like a personal assistant, it also summarizes incomplete or missed transactions and offers services such as My Vehicle, My Home, My Digital Subscriptions and My Travel \u2013 enhanced through a partnership with Jolly, all in one seamless experience.<\/p>\n The evolution of Ugi: a new era of productive artificial intelligence<\/p>\n In 2025, generative AI took center stage in Garanti BBVA\u2019s digital banking. Ugi, the bank\u2019s smart assistant<\/a>, was revamped to provide hyper-personalized and proactive solutions for customers. It goes beyond standard responses, analyzing bank data to anticipate needs, complete transactions faster and prevent potential issues in common situations \u2013 such as changing SIM cards and tracking card refunds. Ugi supported over seven million customers in more than 70 million conversations and will continue to expand its capabilities.<\/p>\n Greater efficiency with over 900 AI models<\/p>\n Garanti BBVA\u2019s use of AI extends beyond customer experience to its internal operations. Over 900 AI models enhance document scanning, information extraction, reporting and workflow efficiency, giving employees more time to focus on strategic tasks while improving the quality of service. By combining advanced technology with human intuition and creativity, the bank is reinforcing its human-centered approach to digitization.<\/p>\n A new standard in payment technologies: faster and more secure transactions<\/p>\n Launched in 2025, the Bonus Platinum Dynamic Card<\/a> introduced state-of-the-art online security with a three-digit CVV that automatically renews every hour \u2013 a first in T\u00fcrkiye. With GarantiPay, NFC contactless and TR QR code payments, users can pay quickly and securely without carrying a card. The S.M.A.R.T. feature, also a first in the country, automatically selects the most beneficial card for each transaction.<\/p>\n My Credit Coach: a guide in your financial journey<\/p>\n Credit Coach<\/a> is one of the bank\u2019s most remarkable innovations of 2025, designed to help customers manage their personal finances better and plan for the future. This feature lets users review their financial status, explore personalized credit, overdraft and credit card offers, and receive tailored recommendations to improve their financial health.<\/p>\n A new experience for young people<\/p>\n Designed for customers between the ages of 18 and 26, the \u2018Young\u2019 menu<\/a> on Garanti BBVA Mobile gives young people easy access to culture and the arts, career opportunities, banking products and campaigns \u2013 all in one place. Its dynamic design helps to make mobile banking a natural extension of daily life for young people.<\/p>\n Crypto assets on a single screen<\/p>\n