Online financial ecosystem centred around the needs of its customers
The Tinkoff financial ecosystem offers a full range of financial and lifestyle services for individuals and businesses via its mobile app and web interface. At the core of the ecosystem is Tinkoff Bank, one of the world’s biggest online banks with over 20 million customers.
Customer-centric ecosystem
- Daily banking services
- Savings and investments
- Real estate
- Business services
- Family banking
- Entertainment and lifestyle
- Insurance
- Travel
- Virtual mobile operator
- Financial literacy
- Education
- Transport
Fully online
- 60,000 deliveries per day
- Over 9 mln applications per month across all products
- 19 development hubs
- 80% of customer acquisition is viral
Leading fintech innovator
- One of only 13 profitable digital banks operating worldwide
- IT company by nature: 80% of HQ employees are IT specialists
- 30,000 employees, average age — 26 years
- Focus on lifestyle banking
- Priority development of the mobile platform
- The first financial institution in Europe to launch its own super app, featuring hundreds of offers and lifestyle services from Tinkoff and its partners
- Developer of the world’s first voice assistant for financial and lifestyle services
- Machine learning and AI deployed in business processes as part of the AI First strategy
- Tinkoff pursues an AI First Banking Strategy, integrating machine learning and artificial intelligence across its business processes
- Tinkoff uses advanced biometrics to ensure customers’ safety and security
Transparent business delivering superior profitability
- Listed on London Stock Exchange since October 2013
- One of the first fintech companies globally to disclose its full carbon footprint for the three scopes across the whole value chain
- One of the most profitable banks in the world with ROE of 42,5% (FY’21)
- Generous dividend payout policy
- Among the first fintechs to join the SBTi initiative, which aims to reduce GHG emissions & achieve net zero by 2050
Awards