| Banks |
Model |
Description |
| Tinkoff Bank, Modul Bank, Bank 131 |
Model 1 |
Digital banks with their own license. All banks are engaged in comprehensive customer service for the provision of banking products and accompany their customers throughout the entire interaction process. |
| Yandex. Money |
Model 2 |
Virtual bank with limited license. 75% of shares are owned by PJSC Sberbank. Does not have the right to issue a loan and accept funds to a deposit account. Field of activity: settlement and cash services, acquiring, card issuance. |
| Tochka, Delobank, Rocket |
Model 3 |
Branches of traditional credit institutions. They are licensed by parent banks. They are a technical solution in the field of providing customers with banking services. |
| Sphere, Prosto Bank, Megafon Bank, Elba Bank |
Model 4 |
They are a “corporate startup”. The company is not necessarily a lending institution. It is possible to use a license of a partner bank. |
| Talkbank |
Model 5 |
Digital bank, which is a startup and, at the same time, an independent legal entity. Featured on social networks. |
