“We are launching the first super-application in Russia – this is both our internal App Store with mini-applications and the first Russian WeChat with partner services and services,” Tinkoff Bank solemnly announced on December 9, 2019. on the bank’s website, individual letters were underlined. From them the phrase was formed: “Checkmate, Sberbank, Yandex and Mail.”
Why these three brands? They, like Tinkoff, are building business ecosystems named after themselves. Superapplication (superapp), a mobile platform with advanced functionality, is one of the fundamental pillars of such a system. This is the opinion, for example, of Oleg Tinkov. And he has his own view of what a superapp motor might be. “The success of Chinese ecosystems is due to the fact that each has a bank at the core: a person cannot buy products, use subscriptions, services, etc. without paying money,” he said at the St. Petersburg International Economic Forum in June 2019. the key to success is what Tinkoff does: a popular online bank.
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