New technologies have penetrated almost all areas of our life. Shopping for clothes, ordering food from a restaurant, paying utility bills and much more can be done today using a smartphone or tablet.
Credit organizations also did not stand aside.Tinkoff Bank (web address tinkoff.ru) offers its customers only remote service. This is the only commercial bank that does not have its own ATMs and branches.
The idea of creating such a credit in RussiaThe organization belongs to Oleg Y. Tinkov - an entrepreneur with a wealth of business experience. He owns a developed network of household appliances stores, a music label, the production of frozen convenience foods, a brewery and a restaurant business - the sense and ability never failed a Russian businessman.
In 2005, Tinkova was interested in the model.service of the American organization Capital One, which specialized in issuing bank cards. Together with the consultants of Boston Consulting Group, Oleg Yuryevich came to the conclusion that the remote bank can work in Russia.
At the first stage, Tinkov received bankinglicense through the purchase of a small “Himmashbank”. The main activity was decided to make loans. Hence the name - “Tinkoff Credit Systems”.
At the second stage, the main task was to increasecustomer base. Credit card offers were received by the bank’s partners - mobile operators, car dealers and insurance companies.
The structure continued to evolve.New investors came, debit cards were being issued and deposits accepted, and in 2010 the possibility of ordering a credit card via the Internet and courier delivery appeared.
In early 2015, it was decided to change the name. The head office of Tinkoff Bank is located in Moscow.
According to the latest information, “Tinkoff” is located on the 44th line of the rating on equity and on the 49th line in terms of assets among Russian banks.
The rating of the Tinkoff Bank is directly dependent onassess its reliability. This indicator is a combination of factors that influence the fulfillment of obligations. The data of the largest agencies Moody’s and Fitch Ratings say that in the long-term, the bank was rated B2 (meaning higher vulnerability) and B + (meaning highly speculative rating), respectively.
To conduct a reliability assessment, the following indicators should be taken into account:
- liquid assets;
- the level of security of loans;
- structure of own funds;
- credit risks.
Considered significant information about fraudreporting, change of ownership and various rumors. Considering the above, over the past year, the rating of Tinkoff Bank cannot be called optimistic. Various data indicate the appearance of negative trends that in the future may affect its financial stability.
Traditionally, its own rating is the portal Forbes. At this time, the bank with remote service was on the 51st place.
Stationary computer, tablet, laptop orSmartphone - regardless of the type of device, customers always have access to Tinkoff Bank. Personal account is the main way to manage your own accounts.
Payment of utilities and fines, transfersbetween accounts and other individuals, opening deposits, connecting additional services is just a few clicks, and the new generation Internet bank will present a schedule of expenses and help you plan a budget.
Subscribing to receive taxes and fines will allow you to always be aware of important information, and setting limits does not only save money, but also protects against fraudsters.
Plastic cards are still leadingdirection of activity of Tinkoff Bank. Consumer loans require a certain amount of effort from a customer, but a Tinkoff Platinum credit card can be issued at any time on the official website.
Today it is the most popular product, and more than four million Russians have already managed to evaluate it. Without visiting the bank, guarantors and the presentation of certificates issued "Tinkoff Platinum".
Benefits:
- a limit of up to 300,000 rubles;
- free replenishment;
- grace period up to 55 days.
In addition, when paying for purchases on the card, 1% of the amount is returned in the form of bonus points, while conducting a special campaign of the bank - up to 30%.
The rating of Tinkoff Bank was not damaged even during the 2008 crisis. Innovative ideas could be evaluated by partners who agreed to joint projects with the bank.
There are several types of co-branded debit and credit cards available to customers:
Two years after opening a new serviceoffered to clients “Tinkoff Bank”. Contributions to individuals are also processed remotely. Detailed information on savings accounts can be found on the official website.
To fill in the application will need only a passport, and the whole procedure will take no more than ten minutes. The courier will deliver the debit card and a set of documents at a convenient time.
You can replenish the deposit in cash at the points of partners, by bank transfer from an account or another card.
If a client transfers wages to the “Tinkoff Bank” card, a personal account allows you to control not only current expenses, but also plan savings and partially replenish an open deposit.
The high rating of the bank “Tinkoff” is largely due to the IT-specialists, developers and analysts. The creation and implementation of software systems deals with the department, which employs 400 people.
Through collaborative efforts, applications“Tinkoff Bank” for smartphones based on iOS, Windows Phone and Android took the first place in 2015 according to a study by the well-known analytical agency Markswebb Rank & Report.
In addition, three years ago, the bank's specialists began developing specialized applications that allow you to make quick transfers from card to card or pay traffic police fines.
At first glance, the clients of Tinkoff Bank (address:1st Volokolamsky passage, Building 10, p. 1) should be satisfied with the availability of banking services. The support service works around the clock without a break for weekends and holidays.
Remotely, you can take all the necessary actions that will take time in the office of another commercial bank to wait in a queue or collect documents.
Experts point out that the technical structureThe bank is built great. However, there are also weaknesses. For example, due to the lack of a network of Tinkoff Bank offices, it is impossible to get cash loans - borrowed funds are available only on credit cards, the issue and delivery of which also take a certain amount of time.
Testimonials of regular customers mark repeatedunilateral change in the terms of service (reduction of deposit rates, reduction of credit card limits and lack of information on new commissions).
When making a new product, the consumer is not able to familiarize himself with the contract even beforehand.
In general, remote maintenance is designed fora certain age category. The absence of additional offices for customers of the old school is unlikely to cause trust, and the qualifications of some support staff are not always in line with expectations.
