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

It combines all the components of the Tinkoff ecosystem and adds more capacity for its 10 million customers. Features already available include digital banking, lifestyle services (movies, concerts, restaurants, travel, shopping, sporting events), integration with Tinkoff ecosystem components and services (including investments and insurance, and a marketplace for products and services provided by partners.

Artem Yamanov, senior vice president at Tinkoff, commented: “The super-app is both our own version of the App Store, with its own mini apps, and the first WeChat-like app in the Russian or any European financial market, featuring products and services from our partners.

“All our customers can access all new super-app services using their single Tinkoff ID," he continued, "Going forward, we will be developing partnerships with businesses of any size, from Instagram bloggers to Russia's largest B2C companies.”

Users can also order food and products directly from the app, get local recommendations, browse fitness and wellness options, access transport and car sharing.

Health and beauty services for instance, will be provided via the marketplace by our partners NaPopravku and Yclients, whose mini apps have been integrated into Tinkoff SuperApp’s marketplace on a white-label basis.

Yamanov explained: “Artificial intelligence will be able to predict the user’s needs based on their location, the time of day, recent transactions and many other factors - depending on these variables, it will immediately offer options to suit the customer's needs, saving them time and effort.”

Tinkoff's voice assistant Oleg is also part of the app experience, acting "as a fully-fledged personal financial advisor" giving advice and reminders on money management.

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