With the digital banking license, lenders at the moment are required to be as agile as monetary know-how startups. The tempo of the digital banking competitors in Türkiye is prompting lenders that concentrate on expertise within the transformation of their clients to extend their investments.
Stating that they’ve achieved an vital transformation with a each day transaction quantity of 6 million, Altan Taşkıran, deputy common supervisor answerable for retail and digital banking at Halkbank, says that the lender has tailored rapidly to digital banking.
“The figures show that the steps we have taken in the transformation have paid off. Now, 87% of all transactions that take place are carried out through mobile and internet banking, and 97% are carried out through digital services,” Taşkıran stated.
“In other words, we adapt to digital transformation with our millions of processing muscles. The transaction volume of the branches is still high. Even if the number decreases, many customers prefer to resolve loan requests and high-volume transactions at the bank branch. We focus on solving problems wherever we contact the customer with digital solutions.”
Digital loans to SMEs
Underscoring the multidimensional competitors in digital banking, Taşkıran emphasised that they cooperate with monetary know-how initiatives and that banks ought to use belief and sources accurately.
“Fintechs are entering the micro market. Financial technology in the world is coming to banks as a business partner. We have met SMEs’ need for digital loans. We helped them manage their businesses better,” he famous.
“As a bank, we have continued to increase our efficiency by responding to the needs of our customers with the right timing. We believe that the agile structure of the startups will also contribute to the growth of the market,” Taşkıran stated.
Experience
Taşkıran said that they’ve made important investments within the buyer expertise within the cellular utility, as he elaborated on the event course of.
“We are launching our new mobile application soon. It needs to be a solution that people can use. We have taken into account the feedback of our customers to build the application with a simpler and more powerful experience,” he stated.
He emphasised that the suggestions helped the lender be taught what Halkbank clients and non-customers like or dislike.
“Then we switched to a new design focused on user experience by highlighting the details they liked. Apart from mobile screens, we also have to manage the branch density. We can also monitor the density in our branches instantly,” Taşkıran stated.
University cafeterias
Stating that they serve folks of all ages and professions, Taşkıran additionally elaborated on examples of the associated options they provide.
“We produce solutions for all kinds of needs of students at universities. They can even see how crowded the cafeteria is through our application. We also assume different responsibilities with pending food support for students,” he famous.
He stated the financial institution presents particular options not just for younger folks but additionally for the aged and youngsters.
“We must respond to the needs of our users of all ages. We have 1,000 branches. Instead of reducing the number of branches, we are developing models that we will use more effectively. Thus, customers can use branches as a solution for their financial tasks,” Taşkıran added.
