T-Bank has launched the eighth version of its application with expanded multibanking. In the first stage, new functions are available for Sberbank cards: an account can be selected as the main one, topped up, and transactions can be viewed in the general feed, the bank reported.
The 'Credits' section contains tools for applying for loans and tracking payments. Loans from other banks can be repaid without switching to their applications, and the rating is formed by data from three credit bureaus. The 'Business' section combines tax payments, accounting, financing search, and promotion — for free and without a current account at T-Bank. Expense analytics based on machine learning identifies purchasing habits and provides personalized recommendations.
Previously, a client had to keep applications from several banks. Now, accounts, loans, and savings are brought together into a single interface — this is the bet on 'dopamine banking,' where the bank takes on the complexity. The bank is rolling out the update automatically and in stages, and later other Russian banks will be connected to multibanking.
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