The Tinkoff super-app combines all the components of the Tinkoff ecosystem and adds more capacity for its 10 million customers, whose ranks are set to grow to over 20 million people by 2023. The super-app is the next step in the evolution of the Tinkoff mobile app, which already encompasses Tinkoff’s traditional digital banking and lifestyle services.
The super-app is already available in beta for some users, and will be released shortly in version 5.0 for iOS. An Android version will follow.
Features already available on the Tinkoff super-app include:
- Tinkoff digital banking, including all its financial products;
- Tinkoff lifestyle services (movies, concerts, theatres, restaurants, travel, shopping, sporting events, etc.);
- Integration with all Tinkoff ecosystem components and services, including Investments, Mobile, Business and Insurance (some will continue as separate apps), which can be accessed using an existing single Tinkoff ID;
- A marketplace for products and services provided by Tinkoff partners to cater to users’ needs
- Maximum personalisation of recommendations and services and anticipation of a customer's financial needs;
- End-to-end integration with the Oleg voice assistant;Super-app development based on AI and machine learning as part of Tinkoff’s AI Finance strategy.
The Tinkoff super-app’s key features is its own marketplace. External partners can connect to the marketplace (via open API) using the “app-in-app” model and offer targeted products and services within the Tinkoff app.
Other features coming soon include:
- All kinds of online retail experiences with the ability to order directly from the app (food, books, clothing and footwear, home appliances, etc.);
- Leisure and things to do in the city (urban quests, excursions, lectures, exhibitions, parties, master classes);
- Fitness and wellness;
- Food and flower delivery;
- Car products and services;
- Products and services for children;
- Transport, logistics, and car sharing;
- Health and beauty;
- Cleaning services;
The initial version of the SuperApp will include two new services – Health and Beauty. Tinkoff customers will be able to use the app to make a doctor’s appointment (in private and public clinics) and sign up for a beauty salon visit.
The SuperApp will be personalised. In fact, every customer will have its own mobile application adapted to its needs. This personalised super-app will include various sections and customised communication channels based on the user’s preferences and their behavioural and transactional patterns.
All the super-app services can be managed through the Oleg voice assistant, who will act as a fully-fledged personal financial advisor for our customers. To access any of the super-app’s services, users will simply need to call Oleg and give him instructions.
Oleg's other basic function, which will be a main feature of the super-app, will include financial advice and reminders. Oleg will provide tips on how to manage your money, whether through deposits or Tinkoff Investments; advice on savings and financial management; reminders regarding unpaid bills, taxes or fines, and much more.
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