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