August 20209As Yapi Kredi we will continue to invest in digitalization to increase operational efficiency in all processes. The efficiency we create will provide time for more valuable activities like sales and risk controland verification through touchscreens, only if they are already digital customer. The customers login to Yapi Kredi Mobile via touchscreen by putting the pin and approves all the compulsory documents digitally.By use of touchscreens, we catch the opportunity to:· eliminate back office activities at maximum,· optimize number of steps,· discharge from wet signature obligation and paper based flows.In 2018, by using this technology, we save 14 Mio A4 papers and 54 minutes a day per branch by processing 31 products via touchscreens. Our aim is to enlarge the number of products to 45, to reach 30 Mio paper and 65 minutes time-saving target. Digitalization of Employees: At this part, our ambition is to mobilize our workforce with digital to optimize customer facing and back-office branch processes. We deliver every single sales person a tablet to bring the branch to the customer premises. The tablets are integrated to the banking system so that customer acquisition and product sales can be executed.What kind of competitive edge will this tool procure? · Customer Visit Plan: Sales team can plan their visit, and before that they can study every small information about the customer via tablets and research on the best CRM offers for that customer.· Engagement & Hot Sales in Customer Premises: Sales teams have a chance to work together with the customer on tablet, subsequently make pricing and sales on customer premises. Digital approval can also be carried out via tablets.· Leaving the Customer Premises: After the visit, if they do not plan any other visit, they can still monitor potential customers in the same hinterland. On returning to the branch, they can fulfill customer form with speech-to-text.The way we have progressed can be illustrated by figures. While our centralization ratio reached 67percent, the ratio of branch front-office staff over back office has exceeded 83 percent.As Yapi Kredi we will continue to invest in digitalization to increase operational efficiency in all processes. The efficiency we create will provide time for more valuable activities like sales and risk control. BCKorkut Okay
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