T-Bank Sphere Auto

Main article: Mobile applications

2024: Launch of the Auto Sphere

On November 7, 2024, T-Bank announced the launch of the Auto Sphere, its own universe of services built entirely around the interests and needs of motorists.

According to the company, Sphere Auto is a full-scale banking auto ecosystem. Users will be able to access all ecosystem products in the T-Bank mobile application.

The key role in the Auto Sphere is given to artificial intelligence (AI) technologies, on the basis of which T-Bank will accompany and anticipate the needs of the client - including removing the concerns of servicing the car from him.

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T-Bank

The Auto sphere for the client will act as an involved and professional partner in his automotive life, who thought out all the details for him and combined all possible car services in one place.

The Auto sector is a different approach of T-Bank to interaction with its clients. It consists in building relationships with the user - when the maximum of products, services and services are built around various basic areas of a person's life: shopping, recreation, travel, car, home, etc.

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T-Bank

The sphere of Auto T-Bank will include the following areas:

• Maintenance and maintenance of the vehicle. All processes will be available in a couple of clicks within the application: registration of Casco and OSAGO policies, payment for fuel, toll roads, fines, selection and registration in service centers, etc. The service will also remind you when to refuel or sign up for maintenance.
• Visualization and tuning of the car using AI. With the help of AI, the car owner will be able to "try on" a new image of the car right in the mobile application, choose a new body color or another set of discs, etc.
• Personal offers - from refueling to tire fitting. The Auto sphere, based on ML models, will make a spending forecast for each car owner, help save up for a car, and also select the optimal offers for various car products and auto parts, which in the future can be bought directly in the T-Bank mobile application.
• Buying and selling a car. In the Auto Sphere, the client will be able to buy a car based on reviews, reviews, average expenses for its maintenance, as well as calculate the cost of the car, if necessary, issue a car loan and purchase a car with home delivery - all in one mobile application of T-Bank.
• Assistance in emergency and emergency situations. The Auto sphere has combined assistance services for motorists: a hotline available to all drivers, the Help on the Roads project, and an option to call a tow truck will soon appear.

We have rethought the approach of working with motorists - just as planets orbit the sun, our products and services, combined into the Sphere of Auto, will revolve around the automotive needs of customers. told Denis Musienko, Head of Auto at T-Bank

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T-Bank

Maintenance and maintenance of the vehicle

The Auto sphere will help users close all basic and routine questions about machine maintenance. For example, right inside the application, they will be able to pay traffic police fines, toll roads, order Casco and OSAGO policies, and, if necessary, record a car for maintenance or repair in a car service online, as well as refuel the car through the Fuel service with cashback, finding the nearest gas station.

Visualization and tuning of the car using AI

In the Auto Sphere, the user will see a photorealistic image of his car generated using neural networks. With the help of AI, customers will have access to virtual customization of the car - for example, the owner will be able to see how the car will look with a different body color, other discs, and try on various options for another external styling. In the future, this will also help, for example, during the selection of a car from the Auto service catalog in T-Bank.

Personal proposals based on AI

The Auto sphere in the T-Bank application will form personal offers and reminders for each car owner - based on information about cars from the user's fleet.

For example, the application will remind the owner of the car about the upcoming date of refueling, the validity of car insurance policies, the need to go through the maintenance on time, pay a fine for traffic violations. Also, the Sphere Auto will show the closest reliable car service.

Also, car owners will be able to see spending analytics during the year - this will allow, if necessary, to reduce current costs, as well as assess future spending on cars.

Products and services for buying and selling a car

Buying a car will become even easier. ML models within the T-Bank application will analyze reviews and reviews from existing car owners, aggregating information about the technical characteristics, prices, pros and cons of the desired car. You can also purchase a vehicle directly in the application, choosing a brand, kit, color palette online with car delivery to the door.

Those who want to sell their car can use a calculator that will estimate the current value and offer the most profitable periods for its sale. The service will also show alternatives for the current client car based on price and technical characteristics. This will be convenient for those who plan to sell the car and immediately purchase a new one.

When choosing a car brand in the Auto service catalog, the user will immediately see information about the average spending on maintenance of a particular brand, and how much money will have to be saved monthly to buy it, taking into account current expenses.

Assistance to motorists in case of emergency and emergency situations

All support services for motorists in emergency situations are now collected in one section in the T-Bank application. For example, T-Insurance policy holders can call the Help on the Roads mobile team to help in Moscow during an accident, emergency refueling of a car, charging the battery and in other situations when there is no way to solve the problem on your own.

In the near future, a one-click tow truck call will also be available to all motorists inside the T-Bank app.