TalkBank is a financial technology company that provides digital banking services for businesses, entrepreneurs, and self-employed individuals. Its core innovation is a "bank-in-a-messenger" model, allowing users to manage their finances entirely through chatbots on platforms like Telegram, without needing a separate mobile app or physical branch. The service leverages artificial intelligence to offer features such as account opening, card issuance, payments, expense tracking, and automated accounting, aiming to simplify and streamline financial operations for its clients.