Garanti BBVA completely reshaped digital banking in 2025. With generative artificial intelligence at the heart of its digital strategy, the bank has evolved the user experience, making it more intuitive, more personalized and smarter. Garanti BBVA Mobile has transformed the banking experience by seamlessly integrating into millions of customers’ daily lives.

In 2025, BBVA successfully completed the global rollout of ADA, its new data and artificial intelligence platform. This technological foundation is key in enabling the bank to offer clients more agile, personalized, and efficient services. Over the course of the year, ADA also received recognition from numerous international organizations operating in the financial and technology sectors.

BBVA’s Turkish unit has introduced a new tool on its Garanti BBVA Mobile app to help customers manage their personal finances, improve their financial health and plan for the future. ‘My Credit Coach’ provides an overview of each customer’s financial situation based on their banking history and offers personalized recommendations.

BBVA has rolled out a roadmap, known as ‘The Eight,’ aimed at ramping up the use of artificial intelligence (AI) to evolve the way the bank interacts with customers, manages risk, automates processes, and strengthens its technological capabilities. This decisive step forward in its transformation will enable the bank to radically improve its range of products and services through innovation and to structurally enhance its ways of working to boost value creation.

Image: Antonio Bravo, Head of Data at BBVA

BBVA’s digital banks in Europe are exploring what could become the first banking app in the world natively integrated within ChatGPT, marking a bold step forward in how financial services integrate with conversational AI. This demonstration shows how people will be able to discover BBVA’s products and services in Italy and Germany through a dedicated BBVA app built directly into OpenAI’s conversational assistant.

Shares, artwork, real estate… in fact pretty much any asset, can now have a digital twin. Tokenization is reshaping investments by making it possible to split tangible, real-world assets into tokens that can be bought or sold in a matter of seconds, with the utmost transparency and with no intermediaries. So what are the steps involved in turning tangible value from the physical world into its digital counterpart?

Just over a year ago, BBVA created its Digital Banks unit, led by Murat Kalkan, an executive with a strong background in diverse retail banking businesses at BBVA, to drive the bank’s push into new markets with a fully digital model.

BBVA has secured a place among the world's leading digital banks, according to Euromoney’s latest report,  ‘The World’s Best Digital Banks.' The study evaluated more than 300 institutions globally, placing BBVA in the leadership category alongside digital-native rivals such as Revolut, Nubank, and Singapore-based DBS.