Tinkoff Seller

The main articles are:

• Big Data
• E-commerce

2023: Launch of neural network response service to feedback for entrepreneurs

In early November 2023, Tinkoff announced a neural network response service for reviews. It allows "more personalized" communication with customers and faster response to their comments, the group's press service claims. The new feature has become available on the Tinkoff Seller and Tinkoff Reviews platforms.

Tinkoff reported that the service allows you to respond to feedback on various goods and services in a personalized manner - both positive and negative comments. In this case, you can manually edit the generated text, create an additional version, or completely rewrite it.

Tinkoff announced a neural network response service to reviews

On the Tinkoff Seller platform, answers are available for Wildberries sellers. The unanswered feedback counter is located on the main page of your personal account in the service. Sellers can choose the store in which the reviews were left, in case there are several of them. The tool takes into account the rules of the marketplace about the format of reviews. He will warn the seller about restrictions on the volume of text, as well as the presence of prohibited elements in the message - phone numbers, links and insults.

On the Tinkoff Reviews platform, reviews are published from real customers and counterparties who have used the services of a particular company. In October, the generative response function automatically appeared in all entrepreneurs in the desktop version of the platform.

By early November 2023, reviews generated by neural networks will be checked by moderators to correct language errors or semantic inaccuracies.

According to the director of Tinkoff eCommerce Ilya Kretov, the tool was launched in order to free up some of the time for entrepreneurs to write the text of answers to buyers and help them be more customer-oriented in working with reviews.^[1]

2022: Tinkoff Seller platform announcement

On December 1, 2022, Tinkoff presented the Tinkoff Seller platform.

Tinkoff Seller

According to the company, Tinkoff Seller is an intelligent platform for online business, developed on the basis of artificial intelligence and machine learning technologies, which in the future fully "uberizes" all sales at once on all sites online (Russian and global marketplaces, its own sites and in social networks).

Tinkoff Seller's algorithms, created on the basis, analysts big data will help optimize the business strategy, calculate the unit economy and give entrepreneurs recommendations - what goods and on which sites it is better to sell.

Most entrepreneurs for December 2022 trade on average on one or two marketplaces. Tinkoff Seller will allow them to sell goods at once on all the largest eCommerce sites, which will give an additional impetus to the development of the industry.

Tinkoff first introduced artificial intelligence and machine learning into sales analytics and developed recommendation algorithms for doing business based on big data on the eCommerce market. The model was developed by the Center for Technology Tinkoff's artificial intelligence.

Tinkoff has applied an updated interface approach to sales analytics and integration with bank products for entrepreneurs. All options will be available in the Tinkoff Business application along with the bank's basic business products (RKO, loans, etc.). Tinkoff Business customers will be able to manage all business processes in one window of the mobile application.

Tinkoff Seller's opportunities for online entrepreneurs (will appear in stages):

• Online Business Performance Monitoring
• Cost control
• The overall sales picture for both all marketplaces as a whole and for each separately
• Simultaneous price and item management at all sites
• Managing Inventory Balances
• Analysis of niches and competitors
• Integration with all services of the Tinkoff Business ecosystem
• Business Growth Forecasts and Recommendations

Each online platform has its own features of personal accounts, tools and options for working with goods. Every day, sellers track more than 100 important indicators and parameters for each marketplace: views, clicks, orders, reviews, repurchase percentage, price, discount amount, position in search results and dozens of others. Working with them manually takes considerable time or requires the hiring of technically competent personnel. Tinkoff Seller will help solve this problem - all these processes can be controlled in a couple of clicks in one window. told Ilya Kretov, director of Tinkoff eCommerce

Tinkoff Seller's recommendation model was developed using artificial intelligence and machine learning technologies based on big data from the Tinkoff ecosystem (more than 27 million individuals and legal entities).

Seller's algorithms analyze the operations of entrepreneurs on marketplaces, online sites, transactions of Tinkoff customers who buy goods online. Based on this data, Tinkoff Seller will recommend to sellers how best to build sales, what, where and how much to sell in order to make better money.

Tinkoff Seller is available to any entrepreneurs selling goods on marketplaces. To use it, it is not necessary to have a current account or other bank products in Tinkoff.

At the start, the service has access to the two largest sites - Wildberries and OZON. Then, in stages, it will be possible to manage sales on key Russian and global marketplaces, its own sites, social networks.

With the help of Tinkoff Seller, you can control:

• Sales (quantity and volume in rubles),
• Top popular seller products for all sites and for each individually
• Logistics, Storage, and Advertising Costs
• The seller's earnings are in absolute numbers (that is, in rubles for the reporting period) and in comparison (in percent) with previous periods.

In Tinkoff Seller, you can set up data for all marketplaces and sites on one graph. The service allows you to simultaneously see the picture for each individual site and for the state of the entire business as a whole. If incomes change, fall or rise, the "Seller" algorithm will show the reason for the changes.

Tinkoff Seller users no longer need to manually edit prices for goods on several marketplaces and in different interfaces at once. Now the price for any product and marketplace can be set in two clicks - the numbers on the cards will be updated automatically on all connected sites.

Right in the service interface, it will be possible to control all parameters of Marketplaces storefronts at the same time. Transferring cards from one marketplace to another, editing and creating goods can be done on one or all sites at the same time - photos, videos, prices and descriptions will remain identical.

A critical issue for each seller is managing the balances of goods on each of the cards. Reducing stocks to zero leads to a strong drop in the card in the results of issuance, which means that fewer buyers see goods. Tinkoff Seller's algorithms will prevent such problems and notify in advance of the need to issue a delivery to the marketplace warehouse.

In the competitive analytics section, you can evaluate the potential for development in the current market niche, choose a different business direction for each specific seller based on a variety of parameters, calculate the unit economy.

Tynkoff's algorithms will help the user clearly interpret analytical data and change sales strategy and tactics in a few clicks.

Tinkoff Seller will be integrated with all other Tinkoff Business products that help conduct business online. For example, to scale sales in a few clicks, it will be possible to open an account, issue a loan for the development of the direction, connect an overdraft, conduct accounting for free (while taxes will be calculated taking into account the commissions of marketplaces).