Bank Isilinganiselwa "Tinkoff". Imali, ukubolekisa, ukuhlolwa nokwethenjelwa

Ubuchwepheshe obusha ukungena cishe yonke imikhakha yempilo yethu. Ukuthenga izimpahla zokugqoka, wayala ukudla esitolo sokudlela, Tinsita nokuningi namuhla, ungenza usebenzisa smartphone noma ithebulethi.

Credit izikhungo kuthiwa futhi uyasala. "Tinkoff Bank" (ikheli lewebhu - tinkoff.ru) inikeza amakhasimende ayo kuphela yesondlo akude. Kuyinto ebhange zentengiso kuphela esesikhundleni ATM ayo futhi amagatsha.

Endaweni efanele

Umqondo ekudalweni eRussia yesikhungo semfundo isikweleti esinjalo kungokwalabo Olegu Yurevichu Tinkovu - usomabhizinisi nomsebenzi omkhulu ibhizinisi isipiliyoni. Ungumnikazi inethiwekhi ukuthuthuka izitolo ekhaya Imishini, yomculo, ukukhiqizwa eqandisiwe imikhiqizo Semi-siphelile, lapho kudayiswa khona utshwala kanye yokudlela ibhizinisi - ikhono uyezwa futhi bengalokothi bavumele somabhizinisi Russian.

Ngo-2005, Tinkoff nesithakazelo imodeli service Inkampani American Capital One, okuyinto ayisipesheli Ukukhishwa amakhadi asebhange. Ndawonye consultants Boston Consulting Group Oleg ifikile esiphethweni sokuthi ibhange ingasebenza ukude futhi eRussia.

Step by step

Ngo esigabeni sokuqala Tinkoff lithole ilayisensi yasebhange ukuthenga encane "Himmashbanka". Umsebenzi oyinhloko kwanqunywa ukuba enze sokubolekwayo. Kungakho igama - "Tinkoff Credit Systems".

In esigabeni sesibili umsebenzi oyinhloko kwaba ukwakha base iklayenti. Iziphakamiso ukuklanywa ikhadi lesikweletu wathola abalingani yasebhange - opharetha mobile, wabenza imoto kanye izinkampani zomshuwalense.

Isakhiwo baqhubeka ukuthuthukisa. Woza kubatshali bezimali abasha, kufakazela nempikiswano yobukhosi debit card, imali, futhi ngo-2010 ithuba oda nge-credit card phezu Internet futhi kwezidingo express.

Ekuqaleni kuka-2015 kwanqunywa ukuba ukushintsha igama. Ihhovisi inhloko "Tinkoff Bank" eMoscow.

nokwethenjelwa Ukulinganisa

Ngokusho ukwaziswa kwamuva, "Tinkoff" itholakala emgqeni 44 we nokukala nokulingana kanye umugqa 49th ngokuya amafa phakathi amabhange Russian.

Bank Isilinganiselwa "Tinkoff" kuncike ukuhlolwa ukuthi linokwethenjelwa. Lesi sibalo inhlanganisela yezici ezithinta ukusebenza nezibopho. Lezi yizinhlangano ezinkulu Moody futhi Fitch Izilinganiso goovrit ukuthi ngokuhamba kwesikhathi Bank Ukukala B2 (Val. Sengozini Ephakeme) no-B + (Val. Ingabe isilinganiso eziqagelayo) ngokulandelana.

kufanele inake nemingcele ezilandelayo for kokuhlaziywa kwamathenda nokwethenjelwa:

- ketshezi amafa;

- ezingeni imalimboleko sivunyiwe;

- isakhiwo Equity;

- credit izingozi.

Kuthathwa Imininingwane ephawulekayo falsification akhawunti, abanikazi ekushintsheni namahemuhemu ahlukahlukene. Lokho kusho, onyakeni odlule isilinganiso ibhange sika "Tinkoff" ayikwazi ngokuthi okuhle ngendlela engakholeki. idatha ehlukahlukene ibonisani ukuvela imikhuba emibi ezingase zithinte kwato zezimali esikhathini esizayo.

Ngokuvamile, ukukala kwanga-Forbes ngumnikazi portal. Lesi sikhathi nge service yasebhange okude endaweni 51 th.

isizukulwane esisha yasebhange

Ubuso bekhompyutha kukhompyutha yakho, ithebhulethi, ikhompyutha ephathekayo noma smartphone - kungakhathaliseki uhlobo amakhasimende kudivayisi njalo ukufinyelela "Tinkoff Bank". akhawunti yomuntu siqu kuyindlela eyinhloko ukulawula akhawunti abo siqu.

Inkokhelo Umbuso izikweletu futhi izinhlawulo, ukudluliselwa emkhatsini akhawunti kanye nabanye abantu zemvelo, ngokusobala ukuvulwa kwaleyo imali, uxhumano amasevisi eyengeziwe - nje okumbalwa, futhi isizukulwane esisha-intanethi yebhange uyodala isheduli izindleko futhi usize ukuhlela isabelomali.

Bhalisa ukuthola izintela nezinhlawulo kuzokuvumela ukuqaphela ulwazi olubalulekile njalo, futhi ukubeka imingcele kusiza hhayi kuphela ukulondoloza, kodwa futhi ukuvikelwa lokukhwabanisa.

amakhadi esikweletu

amakhadi Plastic zisekhona umsebenzi ohamba phambili "Tinkoff Bank". ukubolekisa umthengi kudinge umzamo ikhasimende, kodwa i-credit card "Tinkoff Platinum" kungenziwa ikhishwe nganoma isiphi isikhathi kwi-website esemthethweni.

Namuhla-ke ingumkhiqizo ethandwa kakhulu, futhi kakade baseRussia abangaphezu kwezigidi ezine ziye esikalini ke. Ngaphandle ngokuvakashela ebhange, guarantors kanye nokwethulwa of izitifiketi ezikhishwe "Tinkoff Platinum".

izinzuzo:

- umkhawulo ruble afinyelela ku-300 000;

- replenishment khulula;

- esinhle kufikela kuzinsuku ezingu-55.

Ngaphezu kwalokho, lapho ukwenza ukuthenga ku uyabuya ikhadi 1% semali ngesimo ibhonasi amaphuzu ngesikhathi somkhankaso yasebhange ekhethekile - kuze kufinyelele 30%.

abalingani

Bank Isilinganiselwa "Tinkoff" akazange ahlupheke ngisho ngesikhathi 2008 crisis. imibono bakwazi ukuhlola abalingani owavuma kumaphrojekthi ezikanye ebhange.

izinhlobo eziningana co-branded esikweletu nawemali ayatholakala kumakhasimende:

1. BONKE Airlines - ikhadi lesikweletu zabahamba nge umkhawulo ruble kuze kufinyelele ayizinkulungwane 700, kanye accrual bonus amamayela.
2. eBay, Lamoda futhi AliExpress - kubalandeli of bethenga online.
3. Mitsubishi kungenzeka ukuba ngilidlulisele abalandeli izimoto Japanese.
4. Credit card Kanobu amabhonasi evela ku-Xbox Games, Umsuka, Steam PS Isitolo like abadlali.

Holdings

kweminyaka emibili emva kuvulwa isevisi entsha okunikwa amakhasimende "Tinkoff Bank". Imali abantu nazo ababulawa ukude. Ukuze uthole ukwaziswa okwengeziwe mayelana akhawunti ekuqongeleleni zingatholakala esizeni esemthethweni.

Ukuqedela isicelo kuphela badinga iphasipoti, futhi lonke inqubo ithatha Ingakapheli imizuzu eyishumi. Debit card kanye nesethi imibhalo kuzothatha lula kweposi.

Gcwalisa umnikelo kungaba engukheshi amaphuzu abalingani, i-EFT ku-akhawunti yakho noma elinye ikhadi.

Uma iklayenti Ukudluliselwa iholo ekhadini "Tinkoff Bank" akhawunti siqu ikuvumela ukulawula hhayi kuphela izindleko egijima kodwa futhi icebo ekuqongeleleni kanye kancane bagcwalise iminikelo evulekile.

Kuhle Izinhlelo ze

Isilinganiso Ephakeme ibhange "Tinkoff" - kungenxa yokungabikho IT-ongoti, abathuthukisi kanye nezingcweti abahlaziyi. Creation kanye nokuqaliswa izinhlelo isofthiwe abathintekayo kulo mnyango, abasebenzi abangu-400.

Ngenxa yemizamo ngokuhlanganyela esenziwe "Tinkoff Bank" Smartphones esekelwe iOS, Windows Phone ne-Android eyenzeka kuqala ngo-2015, ngokusho kocwaningo eyaziwa ejensi kohlaziyo Markswebb Rank & Umbiko.

Ngaphezu kwalokho, eminyakeni emithathu edlule, ochwepheshe Bank aseqalile ukuthuthukisa izicelo ezikhethekile avumela ukwenza Ukudluliselwa esheshayo nekhadi elilodwa kuya kwenye noma ukhokhe amathikithi omgwaqo.

kwamaphutha

Uma uthi nhlá, amakhasimende 'Tinkoff Bank "(Ikheli :. 1st Volokolamsky Proezd 10, ikhasi 1) kufanele aneliseke ukutholakala amasevisi ebhenki. kwamakhasimende iyatholakala anganqamuki ngaphandle kokuphazamiseka ku ngezimpelasonto namaholidi.

Ukude, ungakwazi nizifeze zonke lezi izenzo ezilungile, okuyinto kwenye ehhovisi yasebhange commercial kuzothatha isikhathi sokulinda emgqeni noma iqoqo kwemibhalo.

Ochwepheshe ukuthi lobuchwepheshe isakhiwo ebhange yakhiwe kahle. Nokho, ubuthakathaka kakhulu. Ngokwesibonelo, ngenxa yokuntuleka inethiwekhi amahhovisi "Tinkoff Bank" imali imali ngeke kutholakale - izimali ezibolekwe atholakala kuphela Ukukhishwa credit card kanye kwezidingo nakho okudinga isikhathi.

Izibuyekezo amakhasimende njalo ithi okuphindaphindiwe izinguquko izimo inkonzo unilaterally (ukuncishiswa zenzalo yokuzigcina imali, ekunciphiseni imingcele credit card kanye nokuntuleka kolwazi mayelana ikhomishini entsha).

Lapho senza umkhiqizo omusha umthengi ithuba lokusebenzisa ukufunda kusengaphambili ngisho nenkontileka.

Ngokuvamile, ukugcinwa akude yakhelwe kweminyaka eqenjini elithile. Ayikho Amahhovisi ezengeziwe amakhasimende ubudala esikoleni neze usenza simethembe, namakhono abanye abasebenzi ukwesekwa akusho ngaso sonke isikhathi ekulindele.