Tinkoff Mobile mobile application

Main article: Mobile applications

Tinkoff ecosystem

The Tinkoff ecosystem provides a range of financial services for individuals and for business. Tinkoff pays special attention to the development of lifestyle banking: the ecosystem gives customers the opportunity to analyze and plan personal spending, invest savings, receive bonuses under loyalty programs, book travel, buy movie tickets, book tables in restaurants and much more.

All Tinkoff services are available through Tinkoff Mobile Mobile Application and Website Tinkoff.ru.

Tinkoff has no branches: a network of its own representatives allows you to deliver the company's products to any region of the country as soon as possible, and customers are served through online channels and a contact center. In all communications, Tinkoff actively uses artificial intelligence and machine learning technologies, more than 30% of customer requests in chats are processed without the participation of bank employees.

All products and most of Tinkoff's internal IT systems have been developed by the company itself. 70% of headquarters employees are IT specialists.

2024

Fake applications of VTB and Tinkoff Bank appeared in the App Store, which steal user data

Fake apps have appeared in the App Store VTB Tinkoff Bank that steal user data. This was Ministry of Internal Affairs (Ministry of Internal Affairs) of the Russian Federation reported on April 10, 2024. More. here

Integration with the Tinkoff mobile application

Tinkoff Mobile it was integrated c. Tinkoff mobile application Now Tinkoff customers with SIM a Tinkoff Mobile card can manage their SIM card in one place, without an additional application. Tinkoff announced this on April 9, 2024. More. here

The ability to connect the characters of Evgeny Chebatkov and Syenduk

Tinkoff added characters to the phone secretary. Now, in addition to standard voices, comedian Yevgeny Chebatkov and voice actor Syenduk can answer the call. Not only will the phone secretary speak with their voices, but they will use their recognisable communication style. Tinkoff Mobile subscribers can connect the characters Yevgeny Chebatkov and Syenduk for free, and all users of the telephone secretary from Tinkoff, regardless of the mobile operator, will be able to test new characters for free until February 29, 2024. Read more here.

2022

Start Phone Number Scanner

The Technology Center artificial intelligence Tinkoff has developed and launched mobile application a number scanner at Tinkoff that phone recognizes any phone numbers - printed and handwritten. This was Tinkoff Bank announced in November 2022.

With its help, Tinkoff customers can quickly make a money transfer by scanning any phone number in any form.

To create a scanner, the Tinkoff Center for Artificial Intelligence Technologies has developed its own handwriting recognition technology.

The scanner recognizes telephone number digits based on neural networks and algorithms that have been trained on large amounts of data.

For November 2022, the technology can recognize and count from any surface any phone number printed or written in any form.

When you point a smart camera at a phone number, the scanner analyzes the image, finds areas with numbers and combines them into lines, removing information that does not apply to the phone number. Further, the identified strings are recognized using a neural network, from the obtained variants, the search algorithm selects the most suitable sequences of digits related to the telephone numbers of Russian operators.

The number scanner processes one image instantly - in less than 0.3 seconds. For maximum accuracy, recognition results are aggregated from multiple images.

If several phone numbers are shown on the surface at the same time, the scanner reads them all and prompts the user to select the desired one.

You can scan the number for translation in the "Payments" section by clicking on the scanner icon on the right side of the search bar "Transfers by phone."

Шаблон:Quote 'author = said Konstantin Markelov, vice president of business technologies at Tinkoff.

Running the Client Protection Platform

On August 17, 2022, Tinkoff Mobile company announced the launch of a security platform for customers of Tinkoff Bank and Tinkoff Mobile.

According to the company, this is achieved due to the fact that the platform simultaneously combines bank algorithms protection against social engineering (Tinkoff Bank) and the technology of its own telecom operator in the Tinkoff ecosystem (Mobile).

According to internal research, Tinkoff Bank customers using Mobile services are twice as protected from attacks fraudsters as just a bank or telecom operator client.

One of the key services of the platform is the Neuroscience technology, which, based on artificial intelligence, detects and suppresses an attempt at fraud directly during a phone call.

Enhanced protection ensures the synergy of all tools in the ecosystem perimeter thanks to the speed of data exchange between the bank and the operator and the seamless integration process. For example, marking a transfer as risky if it is made by the client to a phone number outside the Mobile subscriber's call profile. 98.5% of transactions are checked without additional customer involvement.

Here's what's included in the bank and Mobile's revamped customer protection platform.

Tools developed for Tinkoff Mobile:

• Neuroscience;
• analysis at the time of the operation: active call, call forwarding, visiting suspicious sites;
• detection of mass call/distribution;
• contact tree;
• blocking SMS spam.

Tools developed for Tinkoff Bank:

• confirmation of suspicious operations: selfie, call, video call, SMS, security question;
• self-protection: face/print entry, notifications, card limit, financial security training;
• number determiner;
• Defender Oleg;
• Call Defender: analysis by blacklists of numbers, recognition of bank number substitution;
• antivirus;
• voice reconciliation;
• 24/7 fraud monitoring system: Machine Learning & AI, uncharacteristic behavior, payment habits, digital fingerprint, control of cloning and re-release of SIM cards.

Neuroboard

Neuroscience - Tinkoff Mobile technology to protect subscribers from fraudsters in real time. The neuroscience analyzes and compares a large number of technical characteristics of an incoming call.

The key advantage of this technology is to identify fraudsters through the analysis of technical information contained in the sound wave. During a conversation, the sound is converted into a set of specific data. In real time, artificial intelligence processes them and compares them with the accumulated "reference" datasets of fraudulent calls. If the number of matches exceeds the permissible threshold, artificial intelligence marks the conversation as potentially dangerous and breaks it. Fraud scenarios change regularly, so AI is constantly learning from all incoming data.

Artificial intelligence analyzes other characteristics of the incoming number, including call history, traffic volume and nature, frequency and uniqueness. Analysis of the technical information of the call allows you to identify a fraudulent call with almost one hundred percent probability.

If the number is blacklisted

The Tinkoff number identifier marks the incoming call as fraudulent, but the subscriber picks up the phone, assistant Oleg warns the subscriber about a potential fraudulent call at the beginning of the conversation. Then the user independently decides to continue the conversation.

If the number is not blacklisted

Artificial intelligence analyzes an incoming call in real time for a number of technical indicators. If signs of fraud are detected, the call is automatically interrupted. Virtual assistant Oleg calls the subscriber back, informs about the reasons for resetting the call and requests feedback.

By the end of 2022, it is planned to create enhanced protection inside the Neuroscience, within which artificial intelligence, with the consent of the subscriber, will be able to analyze the text of the conversation in real time.

In addition, Tinkoff Mobile will make the Neuroscience personalized.

Customers will be able to choose the scenario for working out a potentially dangerous call themselves: break up the conversation, receive a notification right during the call without interrupting the conversation with Oleg's voice or using SMS, and also not miss potentially dangerous calls at all. Such customization will allow you to flexibly configure the service for yourself or for your loved ones.

The neuroscience connects to all Tinkoff Mobile subscribers automatically to strengthen the protection of money from fraudsters. You can disable the "Neuroscience" service in the mobile application.

Other tools for comprehensive protection of Tinkoff customers with Mobile SIM card

Analysis at the time of operation

During a banking transaction, the system analyzes whether there is an active call or forwarding. This eliminates the risk that the client receives instructions from the alleged bank security service, which is often presented by scammers. Also checked is the transition by links from SMS to suspicious sites.

Identify Mass Call/Mailing

Tinkoff Mobile analyzes the incoming call number and checks whether the number is used by fraudulent call centers or participates in spam calls. If yes, the operator will immediately transfer the information to the bank for additional monitoring of subsequent banking operations.

Contact Tree

According to the caller's call profile, a list of contacts is formed, with which the client usually interacts. A large transfer of money or several small suspicious payments to a person's account that is not included in the contact tree is marked by a fraud monitoring system and can be suspended.

Blocking SMS spam

If the operator records the fact of mass mailing, the number will be blocked and Tinkoff Mobile subscribers will not receive a spam message.

Confirm suspicious transactions

If the client performs operations uncharacteristic for him or conducts them from another device, the system will ask you to confirm the action using a selfie, call, video call, SMS or control question. The format of the check depends on the degree of risk.

Customer self-protection

Customers can self-connect tools to help prevent fraud:

• Access to the Tinkoff application using Face ID or fingerprint. This data, unlike the code, cannot be spied, picked up or copied.
• SMS and push notifications help the client monitor operations and block the card in time if he did not commit them.
• The card limit limits possible fraudulent charges, especially if the card is often used for online purchases or subscriptions and its details may be seized due to a leak from the seller's database.
• Tinkoff also teaches financial security skills using stories in the application, push notifications, educational courses and other formats.

Number Determiner

The free phone number identifier marks a potentially fraudulent call, warns the subscriber and automatically transmits this information to the Tinkoff fraud monitoring system.

Defender Oleg

Defender Oleg is a free telephone secretary specially trained to protect people from unwanted calls from spammers and scammers. Oleg's defender can be connected to any cellular number, but extended functionality is available for Tinkoff Mobile subscribers with the ability to customize the assistant.

Tinkoff Call Defender

Banking anti-fraud platform to protect against telephone fraud. The system automatically checks if there is an incoming number on the blacklist and sends the information to the bank's security service for a closer look at the client's subsequent actions. Fraudsters can also use Tinkoff Bank numbers. Tinkoff Call Defender identifies and blocks such calls.

Antivirus

During the launch of the bank's mobile application, the smartphone is automatically checked for viruses, malicious applications and remote access programs. The antivirus sends a signal to the fraud monitoring system if it detects such programs.

Reconciliation of voice and selfie

Tinkoff uses its own developments to reconcile a client's voice and selfie to make sure that the client himself applies to the bank with a request, as well as liveness technology, which analyzes whether a living person is authenticated or a fraudster substitutes a client's photo or video.

24/7 Fraud Monitoring System

The fraud monitoring system assesses risks and protects customers with a set of algorithms enhanced by machine learning and artificial intelligence technologies. The system examines a customer's behavior, payment habits, the digital fingerprint of the device used and other metrics to identify and prevent fraud. In addition, when the bank sends SMS, the system checks the IMSI code unique for each SIM card in order to control the cloning and re-release of SIM cards by scammers.

Social engineering ― the main problem in the fight against fraudsters. Tinkoff manages to resist attacks on customers using technical devices used by scammers thanks to its own anti-fraud technologies - for example, to minimize the number of payments on phishing sites. But when a client, under psychological pressure during fraudulent calls, transfers money himself, it is much more difficult to counteract this, because technically this transfer looks like a regular operation that millions of our clients make daily. Here we are already talking about protecting customers from themselves. Over the month, the number of responses from our customers to scammers and spammers increased by 18%. That is why we decided to combine the technologies of the bank and the mobile operator. Synergy of tools will help security algorithms better see suspicious transactions, predict the steps of attackers during telephone attacks and more effectively protect our customers' money. told Alexey Baklanov, Vice President and Head of the Tinkoff Ecosystem Security Center

2021: Launch of a service for blocking advertising on the Internet

On March 2, 2021, Tinkoff Mobile launched the Ad Blocking service for its subscribers. With its help, mobile Internet users can block annoying advertising on the Internet, as well as take care of their privacy.

After connecting the service, the operator will automatically block a significant part of advertising for users of the mobile Internet, and browser applications (games banners, pop-up pictures and videos). The service will also help reduce the volume of collection about data the subscriber on the Internet.

All Tinkoff Mobile subscribers can use "Ad Blocking," regardless of the city of residence, type operating system smartphone or browser. To do this, you do not need to download additional applications or extensions. You can connect the service in the "Services" section mobile application of the operator. After connecting to the subscriber, a trial free version of the service will be available within 7 days, then the cost will be 69 rubles per month.

The service works not only in the home region, but also in roaming, which saves the consumption of Internet traffic during the trip. There is no additional fee for this service.

2020

Start the service of automatic recording and decryption of calls into text

On December 14, 2020, Tinkoff Mobile announced the launch of an automatic recording and decryption of phone calls for its subscribers. The service allows you to save all incoming and outgoing phone calls in audio and text formats in the Tinkoff Mobile application.

The Call Recording service is connected in the Tinkoff Mobile mobile application - after that, all calls are recorded automatically. Tinkoff Mobile subscriber can listen to a call in the application or read the transcript in the format of a dialogue in the messenger.

Call records are recognized and decrypted into text based on Tinkoff VoiceKit's own voice technologies.

Using convenient navigation, the user can work with decryption, for example, select the desired fragment and listen to the conversation from the moment of interest. Subscribers will also be able to send a recording of a call or a text of a conversation via SMS, email or messenger, as well as copy and save individual fragments of the conversation.

All call records are confidential and will be available only to the subscriber himself. They will be stored for six months, after this period the data is destroyed beyond repair.

We constantly come up with cool features on the principle "you want to do well - do it for yourself." I myself personally repeatedly came across the downside of phone conversations - for example, during a call you voiced an excellent idea, but by the end of the conversation they forgot about it, because at the right time there was no sheet of paper at hand. Or you prudently stocked up on a notebook, but in a second you inaudible wrote down important information - to waste time, figuring it out again. The service solves all these problems in the simplest and most user-friendly form. To record an important conversation, you do not need to take additional actions, everything happens automatically. You can listen to a fragment of the conversation directly from the decryption by clicking on the desired word in the saved dialogue. It is not possible to collect notes based on the outcome of the conversation - and this service will also do for you, - says Georgy Chesakov, CEO of Tinkoff Mobile

You can connect the service in the "Services" section of the mobile Tinkoff Mobile application. After connecting, a trial free version of the services will be available to the subscriber within 2 days, then the cost will be from 59 rubles per day or from 399 rubles per month (depending on the region in which the subscriber connected to Tinkoff Mobile).

At the first stage, the service is available for Tinkoff Mobile subscribers from Moscow and St. Petersburg, in the near future it will appear for subscribers in other regions of Russia.

Also, Tinkoff Mobile subscribers have access to a free call recording service in "manual" mode. The recording of calls and voice messages takes place using technical number 333 and is activated by the subscriber independently during the conversation.

Inclusion of TikTok in the package of unlimited video services

Tinkoff Mobile has added a platform for creating and watching TikTok videos in a package of unlimited video services. Now, for the operator's subscribers who connected the Video package, TikTok traffic will be free, while its cost will not change. This was announced on September 1, 2020 by Tinkoff Bank.

The "Video" package offer gives Tinkoff Mobile subscribers the opportunity to unlimited view YouTube, Twitch, Rutube, Google Play Movies, iTunes Videos and Vimeo - Internet traffic for watching video clips and films is not charged. The cost of access to the "Video" package is 159 rubles per month for subscribers in all regions of Tinkoff Mobile's presence. For subscribers who use the maximum volume Internet traffic package (not counting unlimited), the cost of the Video package is only 1 ruble.

In addition to the video in Tinkoff Mobile, you can choose package offers for unlimited access to other thematic platforms, for example, remote work services, social networks and music streaming services. Subscribers of the operator can save on the traffic of services that are regularly used.

Vitaly Briedis, Distribution Director Tinkoff Mobile:

TikTok continues to grow in popularity, not only due to its teenage audience, but also among older people - in the last three summer months alone, TikTok traffic on our network has grown almost 2 times since spring. We are constantly in contact with our subscribers: we listen to their appeals and feedback, and then adapt product offers to their requests. If our subscribers want to use TikTok, then TikTok should be in our offer for them.

You can connect a package offer in the Tinkoff Mobile mobile application, as well as select a package in the tariff designer on the website when ordering a SIM card.

Obligation to transfer data to special services

In June 2020, the Tinkoff Bank - Mobile Bank service, which provides the ability to exchange messages, as well as audio, photo and video information between individuals and legal entities and the bank, was included in the register of information dissemination organizers with the obligation to transfer data to special services.

Start Call Recording Service

On April 13, 2020, the Tinkoff Mobile company announced the launch of a free voice call recording service for its subscribers.

According to the developer, the service from Tinkoff Mobile will allow subscribers:

• record incoming and outgoing calls
• store them mobile application Tinkoff in Mobile
• download audio recordings, share them through instant messengers, social networks, etc.
• take personal voice notes in a mobile application, automatically decrypt recorded calls and notes through speech recognition technology Tinkoff VoiceKit (in the next version).

You can connect the call recording service in the Tinkoff Mobile mobile application in the "Services" section. Calls and voice messages are recorded using technical number 333. To record an outgoing call, you must:

• Call 333
• Click Add Call
• Call the desired subscriber and, after connecting with him, combine calls.

To record a conversation that has already begun, you need:

• During a call with a subscriber, click on the "Add call" screen
• Call 333
• Combine calls, after which the recording will begin.

To record a voice note, you need to dial 333 and dictate the message.

After the end of the call, the recording will immediately appear and will be available in the mobile application Tinkoff Mobile in the "Events" - "Calls" section. Records will be available only to the subscriber who can manage them at will. They can be downloaded and saved to a smartphone, as well as sent by email, SMS or sent to any of the instant messengers.

"Voice communication is still important - our best ideas are born in dialogue. With the presented solution, they can be recorded, saved in the form of voice messages, and a little later automatically decrypted. There is a sea of ​ ​ information around us, and the Tinkoff Mobile application can become a place for subscribers to store the most relevant messages from relatives and loved ones, or important conversations with colleagues, as well as their own important voice notes. " noted Georgy Chesakov, CEO of Tinkoff Mobaila

As of April 2020, "call recording" is available for subscribers in the Russian Federation, with the exception of the Republic of Crimea and the city of Sevastopol.

Start the "Deleted" proposal

On April 7, 2020, Tinkoff Mobile launched a batch offer "Remote" with unlimited traffic for remote work applications - online services for working communication Zoom, Slack, Microsoft Teams, Skype, as well as a project management service Trello.

Mobile subscribers Tinkoff can connect "Remote mobile application " in either their personal account on the operator's website. "Remote" will replenish a set of other package offers within the framework of the Tinkoff Mobile tariff designer (unlimited,,, SMS messengers social networks video services, etc.) and will save costs on the main traffic package.

The cost of "Remote" will be 1 ruble for all subscribers who have any Internet package connected, even the minimum. If a client uses only voice communication and does not have mobile Internet connected, then he can connect services for remote work for 159 rubles a month.

Many companies have switched to a remote work format, and we have all already felt that home networks are not always ready for serious loads. In this case, it is mobile communication that becomes an alternative. And if earlier it was much more expensive to use mobile traffic, heavy traffic went only along the wire, now it is not so, which we decided to show. We at Tinkoff Mobile have long been using a tariff designer scheme, in which, in addition to basic services - voice and the Internet - there are additional packages that help save on traffic. For example, access to social networks or video services, where the client pays a small fixed fee for unlimited traffic of what he really uses. And now these are remote work services. Over the past two weeks, Skype traffic has grown more than 6 times, and Zoom traffic has grown even more - 12 times. And we want to give our customers confidence that they will always have access to work tools, and we can practically "zero" traffic on them, said Georgy Chesakov, CEO of Tinkoff Mobile

Tinkoff Mobile has also developed options for copyright backgrounds for Zoom, which can be easily installed in the application and used for work meetings.

The package offer "Remote" is available to all customers of the operator on the tariff 3.0, except for the Krasnoyarsk Territory.

2019: Launch of an ad-free subway Wi-Fi service

On December 26, 2019, Tinkoff Mobile announced that, as part of a partnership with the public network operator Maxima Telecom, the company launched a Wi-Fi connection service in the metro without advertising in its mobile application.

Tinkoff Mobile subscribers have access to the How at Home tariff in the Moscow metro for 229 rubles a month and in the St. Petersburg metro for 159 rubles. Or the tariff "Unified" - for all transport in both capitals for 429 rubles.

Payment is made from the mobile account of the Tinkoff Mobile subscriber. When connecting the service, there is a test period of 7 days, during which you can use the MT_FREE network without advertising for free.

If the subscriber connects to the MT_FREE network from Maxima Telecom for the first time, then he will need to pass identification on the gowifi.ru. If the subscriber previously connected to Wi-Fi in transport, then Maxima Telecom will automatical determine his phone number and connect seamlessly. Next, the subscriber's smartphone will connect to Wi-Fi in the metro without advertising automatically.

In a mobile Tinkoff Mobile application, you can connect not only operator services (voice assistant Oleg, "Virtual Number" and "Network Name," etc.), but also additional affiliate subscription services: for example, to music services - Boom, Sound or Yandex.Music - and online cinemas Okko and Megogo.

2018

As of June 2018, the Tinkoff mobile application was used by:

• Over 2.5 million monthly active users (1.7 million at the end of 2017)
• Over 0.8 million daily active users (0.5 million at the end of 2017)
• More than 30 million sessions per month (18 million at the end of 2017)
• Over 8 million units (6.5 million at the end of 2017)
• More than 2.5 minutes - the duration of the user session (1.5 minutes at the end of 2017)