According to the statement made by the bank; NEO, as an autonomous artificial intelligence agent developed by Fibabanka, runs entirely on the servers in the Bank's own data center.
NEO can plan assigned tasks, work across different corporate systems, and complete multi-step processes and share the results with relevant teams. Recruiting employees through internal communication channels, NEO can open relevant applications, review pages, fill out forms and complete defined work steps using a computer when necessary. NEO does not currently communicate directly with customers and does not carry out financial transactions on behalf of customers.
NEO, who started working as an artificial intelligence assistant to the senior management in the first stage, will soon begin to work in all critical departments of the Bank.
Serdar Yılmaz, Deputy General Manager of Fibabanka Information Technologies and Banking Operations, evaluated the artificial intelligence transformation and NEO's joining the team as follows: "We see the transformation in technology as an area of development that should be followed, as well as an important opportunity to rethink the way we do business and contribute to the future of banking. NEO's appointment is an important stage in our journey to make artificial intelligence a part of our institution's business capacity by taking it beyond individual productivity tools. At the center of this transformation is those who understand technology and use it." We have colleagues who bring new usage areas. We position NEO alongside our teams, not instead of them. We are turning artificial intelligence into a common competence throughout the institution with our technology team, artificial intelligence ambassadors and all our colleagues. We are establishing a structure based on data security and operational control by developing our own technology infrastructure and artificial intelligence agent architectures. We have processed approximately 25 billion NEO in our own infrastructure. "It is our first application in the field of intelligence agents. We want to create brand new business areas and expand existing areas with these applications. We expect the value to be created in this way to be reflected in our customers, employees and financial targets. While doing this, we consider security, authorization, control and human control as an integral part of our technology architecture."
Human approval and audit trail at every step
NEO, who works as "AI Agent"; Can work in task planning, application automation, integration with corporate systems, document analysis and reporting. NEO only accesses authorized corporate systems through secure connections and acts within specified authority limits. In critical process steps, it progresses by obtaining human approval in line with defined approval mechanisms. Every step taken by NEO, identified within the organization with the registry number NEO0001, can be monitored with audit records.
Running on Fibabanka's own servers, in a system closed to the outside world, NEO benefits from artificial intelligence models hosted on the Bank's own GPU infrastructure. It was stated that thus, customer and bank data do not leave the institution.
70 use scenarios were implemented with 61 artificial intelligence ambassadors
61 employees from 30 different business areas, including treasury, operations, marketing and law, participated in the bank's Artificial Intelligence Ambassadors Program. More than 100 usage scenarios were developed within the scope of the program; 70 of these have been implemented. At the AI Ideathon held in April in cooperation with Özyeğin University, Artificial Intelligence Ambassadors developed 13 functional prototypes in half a day.
Artificial intelligence agents in software development
Following the pilot applications launched in 2025, Fibabanka began to effectively benefit from artificial intelligence agents in solution development processes, especially software development, as of the beginning of 2026. The use of artificial intelligence agents in all solution development stages, including mobile, call center and branch channels, core banking, banking product services and data management teams, has achieved 20-25% efficiency on average.
NeoHub platform, which collects the bank's artificial intelligence solutions in one place, provides access to more than 20 artificial intelligence solutions, including those developed within the Bank. These solutions, ranging from information assistants to artificial intelligence-supported workflows and agents that can write code, constitute the technological infrastructure on which 70 use cases are implemented. Employees can access applications that suit their needs through the platform; Ongoing projects, usage metrics and product ownership can also be monitored here. NEO is included in this structure as the first application in the field of autonomous artificial intelligence agents.
