Garanti BBVA's Perspective on Running a Data- and AI-Driven Digital Business

The financial services industry in Turkiye stands out as one of the most technologically advanced and progressive sectors in the country. Since the introduction of internet banking in 1997, the sector has built a robust legacy of technology-driven business transformation. This paper explores Garanti BBVA's journey toward becoming a data- and AI-driven organization, showcasing how it is fueling digital business innovation."Since introducing internet banking in 1997, Turkiye's financial sector has embraced technological transformation. Garanti BBVA stands as a testament to this progress, given its evolution into a data- and AI-driven organization. Its journey exemplifies how innovation fuels digital growth, setting a standard for a forward-thinking, technology-enabled industry poised for the future." Melih Murat, Associate Research Director, Artificial Intelligence, IDC Middle East, Turkiye, and Africa.