Tinkoff has announced the launch of Russia’s first super-app, an application designed to meet almost any financial, leisure or lifestyle need its users may have.
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:
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:
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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