Founded in 2006 by Oleg Tinkov as "Tinkoff Credit Systems," the company initially specialized in credit cards and operated as a direct-to-consumer, branchless bank. It has since evolved into one of the world's largest digital banks and a broad "super-app" ecosystem. Tinkoff's mission is to provide simple and convenient financial and lifestyle services entirely online. The ecosystem includes services like retail banking, business banking, investments, insurance, mobile services, travel, and entertainment, all integrated into a single mobile application for its millions of customers.