Page 49 - BKT Annual Report 2023 EN

ANNUAL REPORT 2023 49

DIGITAL BANKING JOURNEY

• Advancements in Mobile Banking • New Issuer Processor for Enhanced Card Services
Building on our momentum in digital transformation, we This year marked a significant shift in our card-related
introduced new features in our Mobile Banking app, focusing services with the selection of a new partner for card
on a personalized and empowering customer experience. activities, aiming to streamline transaction processing,
These features include QR Code-based withdrawals and enhance customer experiences, and improve card
deposits, money transfer to personal connections, tax management efficiency.
payments, Pay TV subscription payments, and digital
overdraft services. An additional focus was on improving • Business Process Management (BPM) Optimization
salary payments for business customers, further enhancing A key focus in 2023 was the optimization and automation
our commitment to customer-centric banking solutions. of banking processes. By reengineering and digitalizing
critical business processes, running them under BPM
• Upgraded ATM Services technology, we have significantly increased productivity
Following the modernization path set by our mobile banking and profitability. This focus on agility, visibility, and efficiency
initiative, we have significantly upgraded our ATM services. positions BKT to better meet rapidly evolving customer
New features such as digital overdraft, QR code transactions, expectations and competitive challenges.
intra-bank money transfers, utility payments, and educational
institutions payments have been introduced, making banking
more accessible and convenient for our customers.