Turkey’s first purely digital bank, Enpara.com was created in response to the needs of millennials. This increasingly important customer group doesn’t like to interact with banking representatives or visit traditional branches. Instead, they are looking for rich and meaningful digital and mobile experiences. As a result, Enpara.com adopted a digital-only branchless approach, creating an outstanding user experience ‘resulting in an excellent Net Promoter Score (77% compared to the 45% average for Turkish banks) with their popularity driven predominantly by word of mouth. The response has been so good that 50% of all their new customers come through referrals. The absence of traditional brick-and-mortar costs also translates into savings that are passed on to the customer in the form of free services and loyalty rewards. In contrast to other banks, Enpara customers receive annual fee for using their Enpara credit card rather than being charged for the privilege of having a credit card!