Yapı Kredi wins Banking Innovation of the Month for April with its advanced predictive modeling for payroll growth

Yapı Kredi Bank has been awarded Banking Innovation of the Month for April in recognition of its innovative 'Advanced Predictive Modeling for Payroll Growth' initiative. With this win, the Turkish bank is now automatically nominated for the Qorus Infosys Finacle Banking Innovation Awards 2026.

The initiative was developed to help Yapı Kredi’s payroll banking team estimate the average income each newly acquired corporate payroll client could generate before an offer is made. In a market where competition is intense and pricing decisions must be made quickly, the model gives teams a clearer view of the long-term value of each prospect and supports more competitive, data-driven offers.

What makes the project distinctive is its ability to deliver reliable forecasts despite limited customer data. By combining sector-based variables with tree-based machine learning, the solution generates both an expected income forecast and a “maximum potential income” scenario. This allows teams to balance profitability with competitiveness and move beyond intuition-based decision-making.

The results have been impressive. The model achieved a 15.5% MAPE, with 86% of predictions falling within a ±30% margin. It also contributed to a 15% increase in customer acquisition and annualized savings of approximately €8 million through more optimized offers.

Submit your innovative banking project by 15 May 2026 (inclusive) for a chance to be selected as the Innovation of the Month for May 2026. The Innovation of the Month Award is a benefit reserved for institutions that hold a Qorus corporate membership.