This is not the kind of bank or bank owner you might expect in Russia, a country that still has a reputation for bureaucracy, drab offices and an oligarch– and state-dominated banking system.
Oleg Tinkov is the founder of Tinkoff Credit Systems: a branchless Russian bank specializing in credit cards, with a heavy focus on marketing and the internet. Specialized retail lenders in Russia have rapidly outpaced conventional commercial banks over the past two years, and none more so than Tinkoff.
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