Bank of Georiga: AI-Native Infrastructure and the Future of Digital Banking
Giorgi Vakhtangishvili, chief digital officer at Bank of Georgia, shares his thoughts on super-apps, AI financial agents, and frictionless security. The post Bank of Georiga: AI-Native Infrastructure and the Future of Digital Banking appeared first on Global Finance Magazine .
The Bank of Georgia has secured nine awards in the 2026 World’s Best Digital Banks list, a recognition that stems from its focus on customer-centric, AI-native infrastructure. This shift eliminates decision friction, leading to remarkable achievements. A staggering 95% of the bank's unsecured loans are now automated and AI-enhanced, with approvals and disbursements completed in under 15 seconds.
Additionally, 53% of users open the bank's app daily, a figure that surpasses the engagement rates of most social media platforms. The bank's embedded generative AI assistant handles over 78% of customer queries without human intervention, maintaining a 91% satisfaction score.
What makes this performance truly remarkable is the consistency across all nine award categories, reflecting the strength of their comprehensive tech stack. The bank aims to transform the app into a financial super-app, consolidating various financial services into one platform. For instance, the 'Home Space' feature brings together property-related finances like utilities, bill reminders, and direct debits; 'Car Space' does the same for vehicle ownership, managing insurance and notifying users of police fines.
Users can also pay taxes, view National Revenue Service records, and settle over 30 state services within the app itself. The investment side of the bank allows users to open an account in under a minute, buy fractional shares of stocks for just $1, and trade cryptocurrencies on the same screen they use to pay their bills.
Looking ahead, the bank envisions a shift from traditional app dashboards towards autonomous, AI-driven financial agents. This is already evident in the bank's operations, where AI decisions are made almost instantaneously, and the app serves merely as the visible tip of a much more autonomous system. The bank is also focusing on enhancing security and consumer trust in the face of emerging fraud vectors.
They've integrated directly with Georgia's state procurement agency to reduce complex, high-stakes transactions from several days to under an hour, ensuring compliance without compromising on security. Biometric liveness detection at onboarding and continuous fraud detection are also part of their strategy, ensuring a balance between frictionless experiences and rigorous risk controls.
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