AI-Supported Digitalization in Banking

Artificial intelligence(AI) is transforming global banking by enabling faster decisions, reducing operational costs, and improving compliance. According to McKinsey, AI may generate up to $1 trillion in annual value for the global banking sector by 2030. In Türkiye, AI adoption in banking is increasing, though many institutions still focus on front-end tools like chatbots or credit scoring, with limited integration into complex back-office processes.

Halkbank, established in 1938 to support SMEs and inclusive economic growth, has taken a broader approach. In 2020, it founded a Digital Transformation Office to coordinate enterprise-wide modernization efforts. This unit now leads the implementation of AI across diverse areas such as legal enforcement, tax processing, financial analysis, and document automation.

Instead of treating AI as a trend, Halkbank integrates it into its operational backbone to address high-volume, regulation-heavy processes. The goal is to unlock measurable benefits in accuracy, efficiency, and turnaround time- particularly in domains where human workload and error risks are high.

This nomination highlights how Halkbank uses AI not only to improve service delivery but also to support national priorities like financial transparency, regulatory compliance, and workforce productivity through responsible and scalable technology adoption.