Pago.AI: Aventure Finance is changing the way you pay for everyday and big purchases.🛒 Pago.Wallet - we connect your bank account, BNPL and loyalty cards into one wallet.🚗 Pago.Auto - buy a car anywhere online or offline with instant 0% installments.🪓 ReFi.Pago - pay less on loans. Scan QR and learn more about your payments.

Go. - Wallet integrated into application of any retailer.Pay Offline and Online Just show QR-code = ID + Loyalty + Instant payment + BNPL

Fintech Alfa Message - the bank in messenger.You can get digital card in 10 seconds, send and receive money via WhatsApp, Telegram, Viber or Facebook Messenger.Alfa Message includes:- Business accounts, sales and communications in messengers.- Chatbots & NLP technologies.- BaaS platform (white label) to issue cards with partners.- Partners: payment system, cybersport, Retail, EdTech.Achievements:- 350K+ users.- 30+ campaigns and 150K+ sales.- Own chatbots and NLP.- Special product for kids and parents.- X5 Bank x Alfa Message: we launched the bank in Retailers applications.- Cybersport card with Game Arena.https://alfabank.ru/everyday/online/alfamessage/

Fully digital neobank Direct. All retail banking products and services in messenger (Facebook and WhatsApp)

⋅ Retail development in VTB International banks (CIS, Georgia, Germany, Vietnam)⋅ Launched new products (personal, auto & POS lending, mortgage; credit & instalment cards; loyalty; p2p payments) and implemented technologies (process design, CRM, digital services, mobile, LOS (BPM, BRMS), etc)⋅ Interaction with financial, auto dealers, CPA, IT and retail companies⋅ Centralized product and risk functions in Moscow

⋅ Launched new products (sales of each reached 20% share in the first 12 months): Personal loan; Top-up; Refinance; Instant Credit Card.⋅ Redesigned business processes for perfect customer experience and low OPEX: application & deal online; 2 minutes decision; innovation multi-product selection⋅ Launched new “credit factory” (in-house front + SAS RTDM); CRM; new sales model; online application, Internet & mobile lending; CPA; omni-channel marketing; conversion optimization, etc.

⋅ Implemented the Standard Unit Cost project: process mapping, modeling and costing (ABC) of all banking products (Retail; SME; Corporate). Created reports and regulatory documents⋅ Contributed in Credit Cards Lean-project: process and OPEX optimization