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Akbank is Turkey’s third largest private bank and leads the country’s financial sector with its digital smarts. That’s why even as Turkey’s economy plunged into a recession, Akbank executives doubled down on their commitment to the bank’s digital transformation and invested heavily in machine learning. Akbank, like a lot of big banks, had a gold mine of information about its customers’ spending habits and finances. Even better, the bank had invested hundreds of millions of dollars to create a unified data center to do more effective underwriting.