Forecast: "People will completely stop noticing banks"

TalkBank founder - how financial services will change in 20 years

Photo: Glen Lear / Getty images

So far, traditional banks have disaster and require support from the state, financial companies of a new type - banks that exist only in mobile applications, etc. - it seems that they feel good.

• “Alfa groups”, for example, intends to create a didzhtal-bank, which will compete (even) with the Alfa-Bank group: the new organization will receive a separate license and will independently search and serve retail customers and private entrepreneurs.
• In addition, on October 5, it became known about the purchase by QIWI brands Rocketbank and Points. The previous owner, FC “Opening”, had problems, but what to disappear to good assets?
• Finally, last week, Fintech-Startap TalkBank attracted 66 million rubles from the III and seven private investors.

Talkbank is something new compared even with Rocketbank. He also does not have a license-the card-partner transcapitalbank is engaged in the release and maintenance of cards, but TalkBank does not have its own mobile application: operations are performed in the Telegram messenger with the help of the bot. After all, what does a standard client need from the bank? Request a certificate about the state of the account, transfer money to a friend, pay a fine or convert a currency, etc. -All this can be placed in the chatbot interface.

Perhaps this is not the limit of simplifying the relationship of the bank and the client. Republic asked the founder of Talkbank Mikhail Popov to tell how he sees banking services in 20 years.

Subscribe to read the whole

Make a subscription Redefine.media to read Republic

Subscribe [you can pay for a Russian or foreign card. The subscription is extended automatically. You can unsubscribe at any time.]

Where are the money subscribers going

Most Republic materials are available by paid subscription. We believe that this is a good way to finance media. After all, as you know, if you have not paid for reading it, then someone else paid for you to read it. In our case, everything is honest: from your money, salaries and fees are paid to journalists, and they write about important and interesting topics for you.

The key feature of our subscription: your money is distributed between Republic magazines depending on how you read it. If you read the materials of one magazine, then your money will go only to him, while others will not go. That is, you finance only what you are interested in.

Republic uses the Redefine.media subscription. For design, we will redirect you to the Redefine.media website, where you will need to register and pay for the subscription. Authorization on the Redefine.Media website will allow you to read Republic materials from the same device.

A year subscription is more profitable than a month. And if you want to unsubscribe, this can always be done in your personal account.