Eureka Case 25 min Marketing

The Nine-Point Drop

You are Elif Aydın, Brand Manager at Demir Bank in Istanbul. The bank has six weeks to launch an artificial-intelligence assistant inside its app, and a customer test has just shown that trust in the brand falls when people learn they are talking to a program. Before this week is out, your team has to commit to one explanation of why.

The situation

It is 9 June 2026. Demir Bank serves 4.2 million retail customers, and 71% of its contact with them already runs through the app. For ten years it has published the highest brand trust index in its peer group: 74 out of 100, against a sector median of 61. It built that on a promise painted on every branch window: service is "İnsan gibi", human-like.

The Chief Operating Officer wants Demir Asistan live before the third-quarter earnings call. Finance reckons that if it resolves 55% of contacts on its own, the bank saves TRY 308 million a year; every ten points short is worth about TRY 56 million less. The build budget is fixed at TRY 4.0 million.

The customer-panel test tried the simplest design: no notice that it was a program, no confidentiality message, access to all the data. The index fell nine points, from 74 to 65. Among the 38% of customers most concerned about privacy, who hold 56% of the deposits, the fall was roughly double. On top of that, Turkey's data-protection law requires explicit consent before sensitive data is processed, and a journalist has already asked for information about the launch.

Your job in this case: look at the figures you inherit, work out how much of the drop the design would have to prevent, and choose the explanation of the trust loss your team will defend. That explanation will steer how the TRY 4.0 million is spent.

The decision

Why does trust fall when customers learn they are talking to a program?

  • A · Their data feels exposed to a far larger audience
  • B · They dislike confiding in a program, whatever it does
  • C · They fear a program will get their money wrong

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