# Turkish banks adopting generative AI services > Developing situation record from CLSTR: https://clstr.news/situations/turkish-banks-adopting-generative-ai-services > Updated: 2026-10-09T10:22:55.000Z. Sources: 4. Developments: 2. Turkish financial institutions are increasingly integrating generative artificial intelligence, specifically ChatGPT, into their digital service offerings to improve user experience and operational efficiency. Initial implementations by Türk Ekonomi Bankası (TEB) and Türkiye Kalkınma ve Yatırım Bankası (TKYB) focused on providing intuitive, conversational interfaces. TEB aimed to move beyond complex menus, while TKYB utilized the Model Context Protocol (MCP) to allow customers to access credit and financial information via secure chat commands. Following these developments, Halkbank expanded the trend by integrating its products into ChatGPT via plugins. This allows customers to inquire about specific offerings, such as vehicle loans and SME products, using conversational commands. Beyond customer-facing tools, Halkbank is also applying AI to internal operations, reporting that a significant portion of its annual banking instructions are already processed using AI technologies. The bank aims to complete 81 AI projects between 2025 and 2026 to drive further digital transformation and cost savings. ## Timeline ### 2026-10-09: Halkbank integrates services with ChatGPT to drive AI efficiency Halkbank has integrated its services with ChatGPT, enabling conversational banking queries and achieving 270 million TL in annual operational savings through AI-driven automation. 2 sources. https://clstr.news/cluster/halkbank-integrates-services-with-chatgpt-to-drive-ai-efficiency ### 2026-10-05: Turkish banks integrate ChatGPT for digital services Turkish banks TEB and TKYB are integrating ChatGPT to allow customers to access banking products and financial information through natural language conversations. 2 sources. https://clstr.news/cluster/turkish-banks-integrate-chatgpt-for-digital-services --- Cite as: Turkish banks adopting generative AI services. CLSTR, https://clstr.news/situations/turkish-banks-adopting-generative-ai-services