Tinkoff Group Holding (TCS)

Tinkoff Group Holding (TCS), now operating as TCS Holding IPJSC with its core bank rebranded as T-Bank in 2024, is one of the world's largest and most profitable independent digital banks, headquartered in Moscow, Russia. Founded in 2006 by Oleg Tinkov as Russia's first fully branchless, direct-to-consumer credit card company, it grew into a comprehensive financial super-app serving over 40 million customers with services spanning banking, investments, insurance, business solutions, and lifestyle products. All services are delivered entirely through its mobile applications and web platform, with no physical branch network, supported by a proprietary network of over 2,500 representatives across Russia. The company is publicly listed and has been recognized as the world's Best Consumer Digital Bank by Global Finance magazine.