Once launched, cardholders will be able to use their own AI assistants to search for products, discover the best options, and complete payment transactions in a transparent, secure, and seamless way—without interrupting the natural flow of life.
Garanti BBVA, Türkiye’s leading bank in digital innovation, is introducing a groundbreaking AI-powered shopping assistant in collaboration with Mastercard. Leveraging Mastercard’s global technology, this next-generation solution will soon be available through Garanti BBVA Mobil and Bonus Flaş, enabling consumers to search, compare, and securely purchase products—all within a single platform.
This solution also marks the first end-to-end agentic commerce transaction in Türkiye’s banking vertical. The demo presentation of the solution took place at a special gathering attended by Ceren Acer Kezik, Executive Vice President of Retail Banking at Garanti BBVA; Kerem Orbay, General Manager of Garanti BBVA Payment Systems Inc.; Prakriti Singh, Executive Vice President of Core Payments for Eastern Europe, Middle East and Africa at Mastercard; and Onur Faydacı, General Manager of Mastercard Türkiye and Azerbaijan.
Offering a personalized and smart experience, the solution has been developed in line with security and transparency principles and was showcased with the participation of Atelier Rebul. It will soon be available to consumers through Garanti BBVA’s mobile channels.
Once launched, cardholders will be able to use their own AI assistants to search for products, discover the best options, and complete payment transactions in a transparent, secure, and seamless way—without interrupting the natural flow of life.
A New Standard for Secure, Transparent Digital Commerce
Developed with reference to the core principles and intended objectives of Mastercard’s globally recognized Agent Pay solution, this locally engineered technology is an innovative solution providing trust, security, and visibility in digital commerce. While consumers’ AI assistants autonomously manage product discovery, price comparison, and purchasing processes, communication between the agents and the merchants takes place in line with Mastercard’s Agent Pay Acceptance Framework. This ensures that the convenience of agentic purchase is combined with “trust and transparency,” placing the user’s intent and consent at the center. For Mastercard, implementing this technology in markets like Türkiye—where innovation is rapidly embraced—and continuing to enhance it, carries strategic importance.
“At Garanti BBVA, we don’t see banking as a static space limited to financial transactions, but as a living ecosystem that adapts to the natural flow of our customers’ lives. This is where our Radical Customer Perspective comes into play; by leveraging data and technology, we scale empathy, understanding not only our customers’ commands but also their intent and context. This approach enables us to deliver real-time, hyper-personalized experiences while making payment systems an integral part of that journey. With the AI shopping assistant we’ve developed in collaboration with Mastercard, we design the entire process—from search and decision-making to payment—end-to-end within a secure and transparent structure. Our goal is to transform payment from a mere ‘transaction step’ into an invisible, frictionless, and secure experience that fits seamlessly into everyday life. With this customer-centric vision, we continue shaping the future of banking today.”
– Ceren Acer Kezik, Executive Vice President of Retail Banking, Garanti BBVA
“In this new era shaped by agentic commerce, our focus is on delivering secure, seamless, and scalable payment experiences. By setting standards for transactions carried out through AI agents, we will make these processes discoverable, tokenized, and authenticated, strengthening trust and transparency across the ecosystem. Markets with strong digital infrastructure and innovative ecosystems will play a decisive role in bringing this vision to life, and Türkiye stands out in this regard. With its rapid technological adoption and innovative fintech solutions, it is among the world’s most competitive and pioneering markets. We are proud to develop and deliver payment solutions that lead the country’s digital transformation. The solution we have implemented with Garanti BBVA opens the door for Turkish consumers to an AI-based, personalized, and secure shopping experience. We will work tirelessly to make this solution even better in the coming period. We see this step as a concrete reflection of the AI initiative we announced recently and of our goal to position Türkiye as a global hub for innovative payment technologies.”
– Onur Faydacı, General Manager, Mastercard Türkiye and Azerbaijan
The Dawn of “Agentic Commerce”
The global shift toward “Agentic commerce” is now reaching Türkiye through Garanti BBVA. Backed by Mastercard’s decade-long expertise in AI and robust technological infrastructure, the solution goes beyond executing commands—it autonomously reasons, plans, and acts. Consumers soon will be able to transform shopping into a simple “search, compare, and buy” experience, enjoying the convenience of Mastercard’s technology combined with the highest security standards via Garanti BBVA Mobil and Bonus Flaş.
