Which Colombian bank offers the most benefits to its users, according to AI?

A report provided by Chat GPT , which takes into account aspects such as accessibility, rates, financial inclusion, and quality in digital channels, determined which bank offers the most benefits to its customers. What sets it apart from the rest?

In an analysis conducted with the support of artificial intelligence (AI) and public data, Davivienda has been highlighted as the bank that currently offers the most benefits and digital tools to its users in Colombia. Among the factors that position Davivienda in first place is its rapid expansion of users, which exceeds 15 million. This growth has been driven by the popularity of products such as DaviPlata, a free digital wallet that allows users to send and receive money, pay for services, and access government subsidies without having a traditional bank account. (READ MORE: Digital ID 2025: How do I request the QR code to activate it on my phone? )

Main benefits of Davivienda highlighted by AI:

• Highly usable mobile banking, with functional apps even on low-end phones.• Free transfers to platforms such as Nequi, DaviPlata or via QR codes.• Massive access to subsidies from the State, Jóvenes en Acción and Colombia Mayor.• Omnichannel support (app, web, WhatsApp, offices, social media).• Free financial education programs available online.• Easy way to open digital accounts with no management costs or in-person requirements.

The growth in the use of digital wallets like DaviPlata reflects a profound financial transformation in Colombia . According to industry data, more than 13 million Colombians already use some form of mobile wallet, especially in rural areas or those with low banking access.

Davivienda has played a key role in this evolution, enabling thousands of people to access formal financial services for the first time. Furthermore, artificial intelligence underscores the importance of technological solidity and user experience as key factors in this positioning. Davivienda has invested significantly in digital infrastructure and cybersecurity, while maintaining an active network of physical branches for those who prefer traditional channels.

(READ MORE: What does it mean for someone to be very organized, according to psychology? )

Banco Agrario: also highlighted

Banco Agrario de Colombia is recognized for offering a wide range of benefits to its clients , especially focused on rural development, financial inclusion, and support for microentrepreneurs and families throughout the country. In 2024, it stood out for:

1. Broad national coverage, with a presence in 1,091 municipalities, 793 traditional branches, 140 light branches (BAC + Cerca), 822 ATMs, and more than 21,000 correspondents, facilitating access to financial services in remote areas.

2. Growth in credit granting, with disbursements of $11.2 billion in 2024 and more than 1.8 million active customers, including 430,000 new ones, reflecting the confidence in its products to finance personal and productive projects.

3. Support for the Popular Economy, allocating $633 billion to benefit 147,592 clients, in addition to strengthening associativity with resources for 37 associations and community action boards, promoting local social and economic development.

4. Digital transformation, with tools such as the BICO Digital Wallet, Digital Savings Account, and Free Investment Digital Credit, which offer agile and accessible solutions, as well as free Wi-Fi in offices to facilitate access to digital services.