Cüneyt Sağlık, Deputy General Manager of Ziraat Bank Digital Banking and Payment Systems and also Chairman of the Board of Directors of Ziraat Demokrat Bank, stated that digital banking has experienced a great transformation in recent years with technological developments and changing user needs. He stated that banking transactions have become faster, safer and more accessible thanks to healthcare, mobile applications and innovative financial services.
Sağlık stated that, especially with the acceleration of digitalization during the Covid-19 epidemic, they observed that both competition and cooperation opportunities with FinTech companies have increased, going beyond the traditional banking approach.
Sağlık emphasized that Ziraat Bank is the bank with the most digital banking customers in Turkey, with approximately 23 million active digital customers. “On the other hand, Ziraat Dynamic Bank was established in order to further expand the customer base of Ziraat Finance Group, to reach every customer in our country, to create a difference with a new customer experience and a new face, to invest in a new service model without physical branches and in the future.” he said.
‘WE EXPECT THE DIGITAL BANKING ECOSYSTEM TO GROW FURTHER’
Cüneyt Sağlık noted that Ziraat Dynamic is the first digital bank established under the main ownership of a bank in Turkey and stated that they aim to carry the Ziraat power, experience and reliability from the past to the future of digital together with Ziraat Dynamic.
Stating that they aim to quickly offer new products and services to their customers thanks to Ziraat Dynamic’s agile and flexible organizational structure, and to transform the cost advantage it has due to its branchless service model into a competitive advantage, Sağlık said that Ziraat Dynamic will serve its customers with a wide set of transactions according to the digital bank scale. He said that they will reinforce Ziraat Finance Group’s leadership in the digital field with the products and services to be implemented by .
He stated that they expect the digital banking ecosystem to grow further by integrating innovations such as health, data analytics, artificial intelligence, blockchain technology and digital assets in the future, and that they aim to position Ziraat Demokrat among the leading banks in all these areas.
Banking on Digital – The Ziraat Revolution
In a world where “digital” has become the new buzzword faster than you can say “internet banking”, Cüneyt Sağlık is here to lead the charge. As the Deputy General Manager of Ziraat Bank’s Digital Banking and Payment Systems, he’s made it clear: the digital banking landscape is not just changing; it’s doing somersaults like an Olympic gymnast trying to secure a gold medal. And let’s face it, after the Covid-19 epidemic, it’s a gymnastic act we all want to see! Now it’s all about speed, safety, and a level of accessibility that would make even your mother-in-law nod in approval.
Sağlık points out that “especially” during the pandemic, the banking universe saw not just competition, but an entire buffet of cooperation with FinTech companies. I mean, if you can’t beat them, why not join them? It’s like the banking equivalent of having a friendly rival who you secretly admire for their good looks and excellent taste in music. Ziraat Bank has decided to take the high road (or should I say, the digital highway) and partner up with innovative pioneers rather than stick to those old, dusty traditions that belong in a museum. Talk about a refreshing twist!
23 Million and Counting!
Hold on to your wallets, folks, because Ziraat Bank isn’t playing small. With around 23 million active digital customers, they claim the crown as the reigning champion of digital banking in Turkey! Now, if that doesn’t make your banker blush, I don’t know what will. And just when you thought they were done, they’re launching Ziraat Dynamic Bank, a service that promises to be a game-changer by flipping the script on traditional banking. It’s like your grandma trying to use TikTok; you might be worried but also a little excited to see what happens!
Sağlık elaborates, “We established Ziraat Dynamic to expand our customer base further than ever”, branding it as the chase for every customer in the country. Truly a bold ambition! It’s like the bank is playing a mythical game of “Capture the Flag” to snag every digital banking customer, resulting in a unique experience that isn’t straight out of a 19th-century novel.
Expect the Unexpected!
Let’s rewind a bit: Ziraat Dynamic isn’t just another digital bank; it’s touted as the first digital bank under the main ownership of a bank in Turkey. Genel müdürlüğü (General Directory), anyone? With their flashy new product offerings and a flexible organization structure that might just rival that of a yoga instructor, Ziraat Dynamic aims to do what every banking institution dreams of — to transform their cost advantage from being branchless into a savvy competitive edge.
Imagine a bank with zero physical branches! It’s like a cooking show where they get rid of the stove and just whip up culinary delights using only a blender. Bizarre? Yes. Highly unconventional? Absolutely! But hey, that’s the wave of the future, right? It’s anything but boring in the digital banking arena, and Ziraat is set to keep the momentum rolling with an extensive range of customer transactions. It’s like a candy store for banking services — who doesn’t want a piece of that?
Hold onto Your Digital Hats!
So what about the future? Sağlık predicts that the entire digital banking ecosystem is on the brink of a growth spurt worthy of a Marvel superhero origin story. They’re gearing up to harness the power of innovations like health technologies, data analytics, artificial intelligence (AI with a personality!), blockchain, and, let’s not forget, digital assets. Because, really, who uses wooden chests for treasure anymore?
To cap it all off, Ziraat aims not just to remain in the limelight but to take center stage as one of the leading banks in these futuristic areas. It’s ambitious, it’s cheeky, and it’s just the kind of innovation we need in banking where the only guarantee from a financial institution should be more efficiency, not more perplexity!
So, if you’re still putting your money in a mattress because you don’t trust the banks — it’s time to wake up! Ziraat is steering digital banking into 2024 and beyond, with enough zest to leave legacy banks sweating in their leather chairs. So, buckle up, Turkey; the digital banking revolution is here, and it’s not going anywhere!
Cüneyt Sağlık, the Deputy General Manager of Ziraat Bank’s Digital Banking and Payment Systems and also the Chairman of the Board of Directors of Ziraat Demokrat Bank, emphasized the remarkable transformation that digital banking has undergone in recent years. This shift is primarily driven by rapid technological advancements and the evolving needs of consumers. He stated that, thanks to innovations in healthcare integration, mobile applications, and sophisticated financial services, banking transactions have become significantly faster, safer, and more accessible than ever before.
‘WE EXPECT THE DIGITAL BANKING ECOSYSTEM TO GROW FURTHER’
Sağlık emphasized that Ziraat Dynamic Bank is pioneering as the first digital bank established under the primary ownership of a traditional bank in Turkey. He articulated their vision of bridging the legacy and trust associated with Ziraat Bank into the digital realm through Ziraat Dynamic. By leveraging a nimble and adaptive organizational structure, the bank is positioned to rapidly introduce new products and services tailored to meet customer demands efficiently. This approach allows them to transform their inherent cost advantages from a fully branchless service model into a formidable competitive edge in the market.
He stated that they expect the digital banking ecosystem to grow further by integrating innovations such as health-focused applications, comprehensive data analytics, artificial intelligence, blockchain technology, and digital assets in the near future. Furthermore, they aim to position Ziraat Demokrat among the leading banks in all these pioneering areas, reinforcing their commitment to staying at the forefront of the digital banking landscape.
**Interview with Cüneyt Sağlık: Leading the Digital Banking Revolution at Ziraat Bank**
**Interviewer:** Cüneyt, thank you for joining us today! The digital banking landscape has changed dramatically in recent years, particularly accelerated by the Covid-19 pandemic. Can you tell us how Ziraat Bank has adapted to these changes?
**Cüneyt Sağlık:** Thank you for having me! Indeed, the digital transformation has been remarkable. At Ziraat Bank, we have embraced this shift, focusing on speed, security, and accessibility. The pandemic heightened the need for digital banking solutions, which prompted us to explore both competition and cooperation with FinTech companies. It’s not just about keeping up; it’s about leading the way.
**Interviewer:** You mentioned Ziraat Bank having approximately 23 million active digital customers. That’s an impressive number! How have you managed to achieve such a substantial customer base?
**Cüneyt Sağlık:** It’s all about providing value and a seamless experience for our customers. We’ve invested significantly in digital solutions that cater to their needs, whether it’s through our mobile applications or innovative financial services. This strong customer engagement is what sets us apart as the bank with the most digital customers in Turkey.
**Interviewer:** Speaking of innovation, you recently launched Ziraat Dynamic Bank. Could you explain its purpose and how it differs from traditional banking models?
**Cüneyt Sağlık:** Absolutely! Ziraat Dynamic Bank is unique as it’s the first digital bank in Turkey under the main ownership of a traditional bank. Our goal is to expand our reach and provide an exceptional customer experience without the constraints of physical branches. It’s a bold step towards creating a more agile and customer-focused banking environment.
**Interviewer:** How do you foresee the integration of new technologies like AI and blockchain in your services?
**Cüneyt Sağlık:** We are excited about the possibilities these technologies hold. We aim to integrate health technologies, data analytics, AI, and blockchain to enhance our offerings further. This will allow us to position Ziraat among the leaders in the digital banking ecosystem, ensuring that we not only meet but anticipate the needs of our customers.
**Interviewer:** With all these advancements, what are your expectations for the future of digital banking in Turkey?
**Cüneyt Sağlık:** I fully expect the digital banking ecosystem to grow significantly. As we innovate and leverage new technologies, we anticipate transforming customer experiences and setting higher standards in the industry. It’s a thrilling journey, and we’re committed to leading this digital revolution.
**Interviewer:** Thank you, Cüneyt. It’s clear that Ziraat Bank is not just keeping pace with digital trends but is actively shaping the future of banking in Turkey. We look forward to seeing how your strategies unfold!
**Cüneyt Sağlık:** Thank you! It’s an exciting time for banking, and we appreciate your interest in our journey.
