CLOUD VENDORS and strengthening operational capabilities to deliver superior business experience to customers . This builds customer loyalty which , in turn , will enhance and sustain growth ,” he added .
Neri Tollardo , Director of Strategy at Tinkoff , branchless credit card monoliner from its inception in 2006 , today is more like a tech company with banking and brokerage licences . It serves more than 20 million customers with a full range of financial and lifestyle services via its digital ecosystem .
A key part of their internal ecosystem , according to Tollardo , is Tinkoff Bank , one of the most profitable digital banks globally and the first financial institution in Europe to launch its own super app . Aided by artificial intelligence ( AI ) and machine learning ( ML ), the award-winning super app enables customers to tap into what ’ s most relevant for them .
“ The app helps customers assess and plan personal spending , invest savings , earn loyalty programme bonuses , book trips , buy movie tickets , make restaurant reservations , and carry out other spending-related tasks all in one place ,” said Tollardo .
The Tinkoff ecosystem also includes services for businesses , such as Tinkoff Checkout — a one-stop-shop for merchants of various sizes to accept payments and use a full range of acquiring services . The solution is customisable and works “ as a Lego set , where each business can assemble the pieces that fit its needs best ,” said Tollardo .
Oliver Wyman
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