Tinkoff Super App

The main articles are:

• Mobile apps
• Instant Messengers (IM)

2022

Availability of Tinkoff Cities services

Tinkoff December 28, 2022 presented Tinkoff City - a platform that will combine products, services and services in the Tinkoff ecosystem for a comfortable and interesting life in the city based on the interests and habits of the user. For users, Tinkoff City services are available in the Tinkoff super application on the City tab. Read more here.

Launching a service for the self-employed

Tinkoff Bank announced on October 3, 2022, the launch of a service for the self-employed in its super application. With its help, clients will be able to quickly register as self-employed and control all their finances - personal and professional - in a single interface.

The updated service allows the self-employed right in the Tinkoff mobile application to accept payments, issue checks, declare income to the Federal Tax Service and pay taxes.

Service capabilities for the self-employed in the Tinkoff application:

• All cash transactions are available in one place. Professional income and personal transfers can be accepted both on one account or card in Tinkoff, and on different.
• Only professional income is taxed, not all receipts. The self-employed himself indicates which operations are professional income to take into account when calculating tax. To declare transfers from customers, it is enough to indicate from whom and for what payment was received. If the income was declared by mistake, it can be revoked - in this case, tax will not be charged on it.
• You can send a check to the client directly from the application. As soon as the tax office forms it, the bank will immediately send a notification to the mobile device. You do not need to calculate the tax yourself. The tax itself will send a receipt for payment - the client will only need to confirm the payment in the mobile application.
• If the income exceeds 2.4 million rubles or the self-employed has employees, he will be able to switch to individual entrepreneurs in a few clicks in the application.

To register self-employment, you will only need debit card Tinkoff Black and the bank's mobile application. The service is free and available on Android and. iOS To become self-employed, Tinkoff customers in the "Open a new product" section on the main screen of the mobile application need to select the "Self-employment" option, enter the region and scope of activity - the rest of the data will be filled out automatically. Self-employment is formalized in 5 - 10 minutes (in some cases in 1 - 5 days, depending on the response of the Federal Tax Service).

In September 2022, the number of Russia self-employed in reached 5.8 million people - this is a large audience with special needs, which needs personal solutions. Registration of self-employment in the superapp is Tinkoff's first step towards comprehensive work with the self-employed. The Bank strives to become an assistant and partner in all tasks. For example, time the Kubyshka service will soon become available for the self-employed, and Internetacquiring accepting payments by, SBP noted Vera Leychenko, head of the deposit and settlement products department of Tinkoff.

Start delivering products through a super application

On September 29, 2022, Tinkoff announced the launch of a supermarket grocery delivery service in the super application - customers will be able to order cashback products right in the Tinkoff mobile application in the Services tab. The first partner was the VkusVill chain of healthy food stores. Users can collect an order in the Tinkoff application from more than 10 thousand items of the assortment of the VkusVill online store. Tinkoff customers will receive 10% cashback for the first order and 2% for subsequent orders through the application. There is no minimum amount for the order.

The assembly and delivery of orders is carried out by VkusVille, products are delivered in all regions of VkusVille's presence, the maximum waiting time for an order is two hours. Users can get an answer to any question on their order in the support chat in the Tinkoff mobile application. You can order the delivery of products from VkusVilla in the Tinkoff mobile application in the Services section of the VkusVilla →.

The service is already available to some users in the latest version of the Tinkoff mobile application. In the near future it will appear at all clients in the cities of presence of VkusVilla.

Шаблон:Quote 'author = said Dmitry Konstantinov, director of non-financial services Tinkoff.

2020

"Dark theme" for Android, the ability to issue an eSIM from Tinkoff Mobile

On October 27, 2020, Tinkoff carried out a large-scale update of its super application, in which it added more than a dozen functions and services.

Among the major updates:

• Added "dark theme" (black background of the application interface) - for Android users
• Functionality in lifestyle services: now you can call directly to restaurants when booking. Also, now users have the opportunity to leave an application for adding the desired service to the superapp in the city of interest to them
• The functionality of Tinkoff Insurance has been expanded: now inside the superapp you can extend the policy, the term of which ends, and the insured event can be quickly issued using a convenient form
• It became possible to issue an eSIM from Tinkoff Mobile in right in the Tinkoff super application
• The functionality of Tinkoff Junior has been expanded: both parents can now track the child's transactions in his bank account
• It became possible to open an account and RKO in Tinkoff Business for entrepreneurs and companies right in the Tinkoff super application
• The functionality of searching in the super application has been expanded

"Dark theme" for all users

At the request of customers, Tinkoff launched a "dark theme" (the black background of the application interface) on all platforms at once. It is now available on iOS and Android. The background theme can be selected in the "More" - "Application Settings" section. You can leave a bright theme or adapt to the background color installed in the operating system: if the smartphone goes into night mode, then the superapp will also turn on the "night" theme.

Tinkoff lifestyle services

Updated the section "Services" - a marketplace in which you can choose and book a restaurant, buy tickets to a movie or concert, sign up for a beauty salon, etc. In the "Restaurants" section, the "Call the establishment" option appeared - thus choosing a restaurant from thematic collections and ordering a table has become easier. Previously, only the online booking option was available to users (the "Book" button appeared automatically when choosing a restaurant from the Tinkoff partner program). Now, if the online restaurant booking function is unavailable, the application will tell you the phone and offer to call directly to the institution. The number of new establishments available through the online and telephone reservation superapp is constantly growing. Also in "Services" it became possible to send an application for adding any service to the superapp (if it is not yet in the city where the user is located). For example, leave a request to add:

• restaurants that can be booked through a superapp
• malls to monitor partner offers and look for brands with increased cashback
• movies, theaters, sports events to buy tickets with cashback inside the app and more.

Based on the results of the collected applications, if the service is available in the city, the Tinkoff team will decide to add it to the application.

Tinkoff Insurance in superapp

As part of the update, the processes of working with Tinkoff Insurance policies have been simplified. All current client policies have "moved" from the "Wallet" section to the main screen to always be at hand. If the policy is not yet available, then it can be issued not only on the main screen, but also in the "Services" section.

Now that the term of the CTP or Casco policy is ending, the client can independently extend it inside the superapp (previously this could only be done through his personal account on the website Tinkoff.ru)

The method of registration of an insured event has also changed: to do this, the client just needs to click on the policy and click on the "Declare an insured event" button. Now the owners of OSAGO policies on this button will open a form, filling out which, they can independently register a loss. Soon such a form will appear for Casco's policies (now the application will send them to a chat with an employee of Tinkoff Insurance). The status of this case will be displayed in the policy details.

Quick Credit Calculation

The calculator is now displayed to the user in the cash and car loan application forms - with its help you can immediately find out the preliminary calculation of the payment amount depending on the loan term.

e-SIM Tinkoff Mobile in superapp

In the next version of the superappa, it became possible to issue not only a standard plastic SIM card, but also an eSIM (previously this could only be done in the Tinkoff Mobile application).

The option is located on the main page. The user needs to select "Open a new account or product" and "Order a SIM card." In the application form, you can immediately specify whether to save the current number or issue a new one.

Parents' access to the children's account Tinkoff Junior

In the next version on iOs, now both parents immediately get access to the child's account using the Tinkoff Junior card - each in its own Tinkoff mobile application. They can replenish, view the account, monitor the geolocation of the child and manage tasks for him. For example, send him a monetary reward for cleaning the room.

Registration of an account with Tinkoff Business

The next version of the super application has features for Tinkoff Business customers. Previously, in the superapp it was possible to issue an application for opening an account, but the signing of documents took place in the Tinkoff Business application. Now the entire process, including the signing of documents, is also taking place in the super application itself. Checking documents and opening an account takes half an hour. The function is available on iOS and will soon appear on Android.

Payments and Search

In superapp, users can create subscriptions to pay for services of providers, housing and communal services, traffic police fines, taxes, etc. Now it has become more convenient to work with payment subscriptions: they "moved" from the "More" section to the "Payments" ("Invoices for payment") section. There you can also edit subscriptions, assign new ones (for example, with the beginning of the school year, add a payment for the child's education), as well as select accounts for group payment, for example, for electricity, gas or solid waste removal.

You can also now split payments not only for bills or purchases, but also for regular transfers to cards of other users.

The search string as part of the superappa update has become more functional. For example, through the search, you can now find the card details or the card design option, and the most frequent user requests have appeared in the "Current" block.

If the user did not have time to view the entries in Tinkoff Stories, now - even when they disappeared from the output on the main screen - he can find the desired "Story" in the keyword search.

Launch of financial messenger

October 7, 2020 Tinkoff announced the launch in the super application. financial messenger Its task is to give Tinkoff customers the opportunity to communicate with each other as part of financial transactions, share bookings, payments and gigabytes, get quick access to ecosystem services and chat boats products, etc.

At the first stage, the financial messenger will be available to users of the Tinkoff super application, in the future it will be integrated into other applications of the ecosystem.

In the starting version of the messenger, users can correspond and quickly transfer money to each other.

Also in the near future, with the help of a financial messenger (as it develops), Tinkoff customers will be able to:

• Share movie tickets or movie cards purchased inside the superapp
• Share bookings and restaurant cards
• Split payment by one check, request money from other users, share transaction details
• Search for flights on demand using the Tinkoff Travel chatbot and monitor the price change for them
• Chat in group chats
• Record, send and instantly decrypt voice messages using Tinkoff VoiceKit's own voice technologies
• Edit and delete messages, archive dialogs, forward messages to another chat, search for messages by keywords
• Send video files, branded stickers Tinkoff and Tinkoff Stories

Inside the super application, the financial messenger is located in the "Chat" section, which also houses a chat with the bank's support service. To quickly switch to a dialogue with a contact center employee, just click on the yellow icon. Also, users in this section (after updating the application to the latest version) will be shown dialogs with other Tinkoff customers whose phones they have in their contacts.

To make a quick transfer, just go to the chat with the user, click on the ₽ button and enter the required amount. If you wish, you can leave a comment on the translation, for example, "Thank you!." The money will go to the account instantly. There are no commissions for transfers between Tinkoff clients. The most frequent recipients for translations will be displayed at the top in the message history.

To find the desired number or add a new contact, just click on the new chat icon. If the recipient of the transfer is not yet a Tinkoff client, the financial messenger will inform you about this and offer to recommend ecosystem products to a new user for a reward.

In the future, Tinkoff Messenger will be integrated into other ecosystem applications. This will allow customers within Tinkoff's various services and applications to quickly exchange messages with each other, as well as with support staff and representatives who deliver ecosystem products.

For example, employees of a company connected to Tinkoff Business will be able to correspond in a group chat with a client support manager and with each other. Tinkoff Mobile subscribers will be able to share gigabytes with each other, etc.

Tinkoff Messenger is not just another messenger developed by a large technology company. This is precisely a financial messenger that has long been asked for as an add-on to our numerous financial and life-style services. Moreover, our clients themselves have long asked us to make such functionality. Its task is to become a tool that will give customers the opportunity to express themselves as they are used to in ordinary instant messengers (with wars, stickers, etc.), but within the framework of financial transactions, which cannot be done outside banking applications. But this is only half the battle. In fact, the messenger will become another link for the services of the Tinkoff ecosystem - with its help it will be possible to diversify and get quick access to many of its capabilities. The Tinkoff ecosystem is actively growing and growing with new services literally before our eyes, so the possibilities of using and integrating our financial messenger into them are almost inexhaustible, - says Stanislav Bliznyuk, Senior Vice President, Business Development Director Tinkoff

Messenger testing

Tinkoff Bank has begun testing a messenger in its super application, with which users can send files, audio messages and payments. This became known on June 19, 2020. According to the source, the service will be available to all users in the next few weeks, as of June 19, 2020, employees are testing it.

Messenger Tinkoff is bank already included in the register of distribution organizers. information Roskomnadzor The so-called "" Spring Law obliges registry participants to store information about user actions and provide data, FSB otherwise they are at risk of blocking. The press service of Tinkoff Bank reported that information about user payments will not be transmitted anywhere under the "Spring Law," as it is a banking secret.

The ILV register also includes the Sberbank messenger, Mail.Ru Group, Yandex, Avito, Telegram services. Facebook services, including WhatsApp, and Google are not on this list^[1].

Availability of platform products goods.ru

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All purchases will be charged 5% cashback.

• • >

For June 2020, the service is available to residents of Moscow and the Moscow region, in the future it will appear with all Tinkoff customers throughout Russia. You can make purchases now in 14 categories, including "Electronics and household appliances," "Children's goods," "Pet goods," "Books, hobbies, office," "Beauty and care," "Food," "Home goods" and others. By the end of 2020, Tinkoff will connect the full range of goods.ru products (more than 1,700,000 products in 16 main categories).

The marketplace is goods.ru connected to the Tinkoff superapp through the bank's Open API on an App-in-App basis. Thus, the partner receives his own mini-store inside the Tinkoff mobile application and access to a personal account in which you can update content. Under the terms of cooperation, goods.ru pays Tinkoff a reward for purchases that are returned to customers in the form of cashback.

In the future, Tinkoff's super application partners will have access to a recommendation system based on algorithmic machine training, which will allow them to automatically collect a shopping cart for customers, advise them on goods or specific brands, taking into account the history of their transactions and other parameters. For example, the algorithm will tell the client when he needs to purchase washing powder, which he regularly buys, or what product to add to the usual diet. Such recommendations will appear in Tinkoff Stories and in the form of push notifications. They will also help partners manage their promotions more effectively.

Anna Mikhina, Vice President for Lifestyle Services Development at Tinkoff:

Thanks to a partnership with goods.ru, a full-fledged shopping has appeared in our superapp - now you can buy almost any household product or products, and with a cashback of 5%, right in the Tinkoff mobile application. Everyone benefits from this partnership at once. Customers will receive promotional offers, cashback and an interface for purchases in one mobile application at once. Goods.ru will increase the number of orders from users and tools for targeted promotions. Tinkoff will make its super application even more "super." Moreover, by the end of 2020 we plan to connect other large partners and partner storefronts. As of June 17, 2020, we are simultaneously working on a designer that will allow us to connect partners quickly and in large numbers.

Solomon Kunin, CEO of goods.ru Marketplace:

Partnership with Tinkoff and the launch of a marketplace inside the bank's superapp is another step in building an open ecosystem, which goods.ru intends to develop in the future. The offer is still available only to residents of Moscow and the Moscow region, but with the development of the project, the delivery geography will expand. We will also continue our collaboration on the white label model with major classroom market players.

As of June 2020, Tinkoff's super application presents 18 life-style services: cinema, restaurants, theater, travel, concerts, sports, fitness, flowers, cosmetics, quests, cleaning, beauty, health, shopping, children, insurance, training and marketplace goods.ru.

2019: Tinkoff Super App launch

On December 9, 2019, Tinkoff Bank informed TAdviser about the launch of a super application (superapp, superapp), which will solve almost any human problem in the field of finance, leisure and lifestyle.

As the super application develops, it will combine hundreds of functions, services and services from Tinkoff and its partners - Russian companies. It will be built on the basis of the Tinkoff ecosystem and will significantly expand its capabilities - by 2023 the ecosystem will unite more than 20 million people (as of December 2019, 10 million customers).

Tinkoff's super application is the next stage in the development of the Tinkoff mobile application, which combines classic online banking and other financial services, as well as Tinkoff's life-style services in different areas of life.

Tinkoff's super application will be built in the following directions:

• Online banking and other financial products of the Tinkoff Group;
• Tinkoff lifestyle services (cinema, concerts, theaters, restaurants, travel, shopping, sports events, etc.);
• Seamless integration with all structural elements of the Tinkoff ecosystem - Investments, Mobile, Business, Insurance (some of which will remain separate applications);
• Single Tinkoff ID;
• Marketplace with goods and services - offers of Tinkoff partners - in various spheres of life of a modern person;
• Maximum personalization of recommendations and services, forecasting of financial needs of the client;
• End-to-end integration with voice assistant Oleg;
• Development of a super application based on artificial intelligence and machine learning technologies as part of the AI Finance strategy;

The key element of the Tinkoff superapp will be its own marketplace. In fact, it will be a convenience store inside a super application. Through them, external partners will be able to connect to the marketplace (through the Open API) on the App-in-App principle and embed their goods and services for Tinkoff customers directly into the application interface.

Thus, due to integration with the largest market players, Tinkoff's super application will cover all spheres of life of a modern person related to finances and services.

In the near future, proposals in the following areas will appear in the super application:

• All types of online retail with the possibility of online ordering directly in the application (products, books, clothes and shoes, machinery, etc.)
• Leisure and city entertainment (quests, excursions, lectures, exhibitions, parties, master classes, etc.)
• Fitness and wellness
• Delivery of ready-made food and flowers
• Auto goods, gas stations, car services
• Children's goods and services
• Transport, logistics, car sharing
• Health, Medicine, Beauty
• Cleaning and dry cleaning
• Others

Agreements have already been reached with the largest market players in these areas, the services of which Tinkoff customers will receive with favorable discounts and cashback.

We are launching the first super application in Russia. Our mobile application has long outgrown the concept of a classic mobile bank, and the latest changes are completing this transformation. Tinkoff's super application is both its internal AppStore with mini-applications and the first Russian WeChat with partner services and services. Unlike other Russian ecosystems, we decided to take our own path - not to buy massively businesses on the market, but to attract the best players to our superapp on the principle of "everyone wins." In superapp, all services are immediately available to all our customers through a single Tinkoff ID. And at the same time, our partners will be businesses of any level - from Instagram bloggers to the largest Russian B2C companies. The main thing is that they share the quality and values ​ ​ of Tinkoff, Artem Yamanov, Senior Vice President of Tinkoff

Notes