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 12 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
Over 25,000 cities and towns covered by the «smart courier» network
40,000 deliveries per day
Over 4 mln applications per month across all products
13 development hubs
Next day delivery
Leading fintech innovator in Russia
IT company by nature: 80% of HQ employees are IT specialists
14,000 employees, average age — 26 years
Focus on lifestyle banking
Priority development of the mobile platform
Machine learning and AI deployed in business processes as part of the AI First strategy
The world’s first voice assistant for financial and lifestyle services called Oleg
Advanced biometric authentication for better comfort and safety of our customers
Russia’s first super-app featuring products and services from Tinkoff and our partners
Fast-growing licensed brokerage business: Tinkoff Investments is Russia’s largest broker by number of active customers on Moscow Exchange (MoEx)
Russia’s first metal contactless cards
Transparent business delivering superior profitability
Listed on London Stock Exchange since October 2013
High credit ratings: Fitch: BB stable outlook; Moody’s: Ba3,stable outlook ACRA: A (RU), stable outlook; RAEX (expert RA): ruA, stable outlook
Second largest Russian credit card issuer, with 13,5% market share
One of the most profitable banks in the world with ROE of 45% (3Q’20)