New Internet Bank Tinkoff Credit Systems

Hello to all! The topic of creating financial applications is now quite relevant, different banks release and update their web interfaces. Everyone wants to give customers a simple and pleasant way to work with accounts.

For us to create a new Internet bank was one of the most important goals for the past year. We have already had several similar decisions in the past and we had to make something much better.

We studied the best world products, watched what would suit our customers, designed, developed, tried to use it ourselves, if we didn’t like something, did it again. There were a lot of discussions. And this summer they launched their new Internet bank for customers .

The best part is that since our first attempt , Global Finance magazine recognized our new Internet bank as the best in Russia for 2012 , it seems that we are on the right track.
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Below is a brief overview of the functionality and interfaces with a large number of illustrations.

What did we do?

The main idea of ​​the new Internet bank was the possibility of maximum personalization, therefore, as an idea for the interface, we chose a portal:



All the necessary functionality should be available on one page without additional clicks and transitions. Functions are divided into widgets that can be moved, collapsed or removed to the directory:



We also tried to visualize financial information as much as possible in order to simplify the perception:





About 1500 Russian providers can be paid from the Internet bank. In order not to overload the user, they are divided by region, by default, only providers of the region identified by IP address are displayed. Providers are preloaded into the cache and indexed, so that they are searched very quickly for O (1). There are different transfers, for frequent payments, you can create templates so as not to enter details about each time:



There is a separate page where you can resolve issues if the Internet bank itself does not have the corresponding functions. In particular, it is possible to call the call-center from the browser:



Personal data can be changed without contacting the bank by phone:



If you are not a client of our bank, you can see how some of the functions of the Internet bank work in the video:

• Login and Registration
• Account information
• Service connection
• Cellular Payment
• Opening a new deposit
• Money transaction

While the functionality is pretty standard for such applications. But there is something that nobody has yet. For example, the opportunity to share information about the operation with friends:


More operations can see the associated brand logos:



Although, of course, we spent most of the time working through the interface. Next we will increase the functionality.

I hope you were interested in looking at what we did.

All suggestions and comments we are happy to discuss in the comments.