SMART innovation by Garanti BBVA transforms digital payments with personalized card selection

SMART innovation by Garanti BBVA transforms digital payments with personalized card selection

(IN BRIEF) Garanti BBVA has launched SMART, a new feature that automatically selects the most advantageous card for each transaction, making it the first of its kind in Turkey. Initially available with Miles&Smiles Garanti BBVA and American Express cards, SMART enhances payments at Turkish Airlines sales points and American Express partner merchants. The feature is integrated into Garanti BBVA’s Mobile and BonusFlaş apps, supporting NFC, QR, and GarantiPay transactions. By automatically processing NFC payments on the most beneficial card or recommending options for QR and GarantiPay, SMART simplifies decision-making for users. Deputy General Manager Ceren Acer Kezik emphasized that SMART reflects the bank’s “Radical Client Perspective” strategy and commitment to innovation, artificial intelligence, and personalized financial solutions.

(PRESS RELEASE) BILBAO / ISTANBUL, 22-Sep-2025 — /EuropaWire/ — Garanti BBVA has unveiled SMART, a pioneering feature designed to automatically select the card that provides customers with the greatest benefits for each transaction. Standing for “smart, mobile, advanced, relaxed, technology,” SMART is a first-of-its-kind innovation in Turkey and underscores the bank’s commitment to creating personalized, seamless payment experiences.

Launched initially with Miles&Smiles Garanti BBVA credit cards and American Express cards, SMART allows users to maximize rewards and advantages at Turkish Airlines sales points, American Express Lifestyle, and American Express Select merchants. Built on a strong technological foundation, SMART ensures secure, fast, and user-friendly payments while eliminating the need for customers to manually decide which card to use.

The feature is available on Garanti BBVA’s Mobile and BonusFlaş apps, supporting NFC, QR, and GarantiPay payments. For NFC transactions, payments are processed directly on the card with the most benefits, while for QR and GarantiPay, the system recommends the optimal card but also gives customers the flexibility to switch if they prefer.

Ceren Acer Kezik, Garanti BBVA Deputy General Manager, highlighted the bank’s focus on leading innovation in payment systems. “With SMART, we are once again shaping the future of contactless payments. Customers no longer need to think about which card will provide the best outcome—SMART makes that choice for them,” she said.

Kezik explained that SMART is part of the bank’s broader “Radical Client Perspective” strategy, which redesigns banking services from the customer’s point of view. “Our aim is to make financial life simpler and more personalized through technology. By combining artificial intelligence and data analytics with innovations like SMART, we will continue to offer advanced solutions that transform the customer experience and make payments more rewarding,” she added.

SOURCE: Banco Bilbao Vizcaya Argentaria, S.A.