Akbank General Manager Hakan Binbasgil said, “Those who want to benefit from our services will be able to download Akbank Mobile after the relevant legal regulation is put into effect and be able to become a member of Akbank without a paper or signature within minutes, without coming to our branches.”
Speaking at the online press conference on the subject, Binbasgil said that there are approximately 60 million citizens over the age of 18, 60% of them are bank customers, and there is room for improvement even within 60%.
Stating that the number of banking customers increases by around 1-1.5 million every year, Binbasgil explained that compared to national income, the share of household savings in the total is 51% and consumer loans are 17%, and these figures are very low.
Binbasgil noted that the new legal regulation, which provides the opportunity to be a bank customer remotely and without the need for wet signature, will soon be implemented in the Official Gazette and a new era will begin in banking, and said that with the vision of becoming the pioneering bank that will carry Turkey into the future, Akbank stated that they have implemented a holistic digital transformation strategy for a long time.
Stating that they are pioneering the change and meeting the rapidly changing behaviors and expectations of their customers, they are working to present the banking of the future today, Binbasgil continued as follows:
“The process of becoming a remote customer, which is expected to start soon, will also support this trend and start a new era in the sector. As a bank that offers experience-oriented, and simple services at all customer interaction points, we are ready to provide excellent service in remote customer acquisition. Those who want to benefit from our services can download Akbank Mobile and become a member of Akbank without a paper or signature, from wherever and whenever they want, within minutes, without visiting our branches. They will have instant access to our essential banking products they need. We invite Turkey to be a member of Akbank.”
“The new era will have a significant impact on achieving our goals”
Hakan Binbasgil stated that they are one of the leading banks that give concrete long-term goals among the deposit banks in Turkey and that they dealt with sustainability in a wide scope including sustainable finance, human and society, ecosystem management and climate change within the framework of these goals.
In this context, Binbasgil stated that they see digital banking as an important tool to rapidly improve financial inclusion, and that they will expand and expand the digital and innovative products and services they offer to their customers.
He said, “We believe that this new period will have a significant impact on reaching our goals. We are ready to lead this new era.”
On a question about whether banks will reduce their personnel in the new period, Binbasgil stated that they have maintained their employment, which has been around 12 thousand for the last 2-3 years, and that there will not be a significant change in the number of employees, and that new transactions are born instead of the canceled transactions.
Binbasgil, in response to a question about digital investments, said, “Whatever Akbank planned, it did without blinking an eye. Every year, including the epidemic period, we invest an average of $250 million. Our bank’s financials are also very strong. We believe in the future of Turkey.”
“More than 300 functions are available in Akbank Mobile”
Burcu Civelek Yuce, Deputy General Manager of Akbank Strategy, Digital Banking and Payment Systems, mentioned the increasing digitalization in the recent period and said that Akbank Mobile has experienced an incredible increase in traffic, the number of monthly entries has increased by 30% in the last year, and that a significant portion of customers who use digital and physical channels at the same time have started to make all their financial transactions on mobile.
Yuce explained that the number of customers making financial transactions on Akbank Mobile increased 22% in the last year, the share of Akbank Mobile in the total number of financial transactions made in the bank increased by 16%, the number of payments made through this channel increased by 26% and the number of money transfers increased by 46%.
Expressing that there was more than a two-fold increase in investment transactions, Yuce stated that they also achieved a significant increase in customer satisfaction.
Reminding that they started their preparations long before the epidemic to meet the digital interaction needs of customers in the most effective way, Yuce stated that they have continued to invest heavily in Akbank Mobile for the last 1.5 years.
Burcu Civelek Yuce stated that customers can now transfer money with 5 different methods, from QR code to bluetooth, and gave the following information:
“We are able to register money recipients just like we do in our phone book. All product applications can be made very quickly from Akbank Mobile. Thanks to the contents of the products and services, all the information needed before the purchase decision can be accessed by our customers on Akbank Mobile. There are currently more than 300 functions in Akbank Mobile. We offer a very good solution with an extremely holistic approach to the needs of our customers.”
Yuce stated that they continue to add intelligence to Akbank Mobile during the epidemic process, and that the chatbot Akbank Assistant, where customers can access financial transactions by accessing the application and find answers to questions they wonder, works with artificial intelligence and has the ability to assist customers in 165 transactions.
“Many advantages will be offered to those with Akbank from mobile throughout the year”
Burcu Civelek Yuce pointed out that the banks that offer the best experience in the new period will stand out and said that a new era will begin in the sector with the process of becoming an end-to-end customer.
Expressing that users can become Akbank customers within minutes by downloading Akbank Mobile, entering their information and making a short video call, Yuce made the following statements:
‘Those who download Akbank Mobile to become our customers will be able to apply instant accounts, bank cards, loans, and credit cards. Moreover, in approved credit and credit card applications, at the end of the process of becoming a customer, credit accounts will be deposited and credit cards will be available for use. In this way, users will be able to become Akbank customers from wherever and whenever they want, with an extremely simple and fluent experience, while also being able to acquire many essential banking products in a short time.
Yuce stated that Akbank Mobile will offer advantages for those who are Akbank customers throughout the year with this digital process and said, “Those who are Akbank customers from Mobile will be able to benefit from EFT/money transfer, over-limit withdrawals and common ATM transactions for 1 year free of charge. In addition, another nice surprise will be waiting for those who are customers from Akbank Mobile, where they can gain new advantages with their daily habits.”
“It is now possible to be a secure Akbank customer from anywhere”
Akbank Technology and Operations Deputy General Manager Ilker Altintas said that the work for the new period started much earlier and the technological preparations were completed.
Altintas said, “As Akbank, we are ready for this new era with our digitalization vision, our strong technological infrastructure, our applications that we constantly develop with the latest and new technologies, our modern data center and communication infrastructure, and our competent and experienced teams.”
He stated that they designed the process they designed using advanced technologies for remote customer acquisition from start to finish with automatic character recognition (OCR), close range communication (NFC), biometric controls, and video call steps, as a single session that complements each other and includes cross confirmations. He made the following statements:
“We will perform all verification of the identity of our customers in the process that will proceed through our mobile application. We will use advanced crypto techniques and authentication methods for the necessary verifications. After the identity check, we will perform vitality tests while matching the customer’s selfie image with the biometric photo on the ID card to confirm that the person performing the transaction actually has an identity card. We aim to complete our process in a safe, fast, practical, and best customer experience.”
He added that they offer the opportunity to become a customer safely within minutes from anywhere, without having to go to branches.
Source: AA / Translated by Irem Yildiz