Tinkoff Bank

Launching the ATM network and developing the new controlling software for ATM

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«When we made a strategic decision to develop our own ATM network, we began to look for a software developer who would be ready to fulfill our non-standard requirements: abandoning the rudiment called NDC, using Windows 10, providing intra-bank interface development and scenarios of any complexity by analogy with mobile application Tinkoff. In cooperation with eKassir we realized all our ideas and deployed the ATM network throughout the country»,

— commentated the project Anatoly Makeshin, Director of Payment Systems and Deputy Chairman of the Board of Tinkoff Bank.


The ATM Terminal was selected as a solution of a problem that allowed the project team to apply a number of new approaches. For example, they did not use the standard NDC protocol, completely separated the core of the controlling software and the UI layer, and removed the dependence of the controlling software on the OS version.

ATM Terminal supports modern services on devices: contactless payments, QR-code withdrawal and replenishment operations, Personal area service. The interface of the devices also should be modern and user-friendly.

«It took us about 9 months to develop a multivendor ATM application. It is very tight deadline for such a project. The fact that we have all necessary competencies and developed this software based on our existing solution for payment kiosks really helped us. In the course of the project, eKassir developed the software for ATM, which is distinctly different from the existing solutions on the market and at some points exceeds it. During the progress, our company worked closely and productively with colleagues form Tinkoff Bank who created all client scenarios, beautiful and modern interfaces for ATMs and implemented integration with bank’s services. We are really pleased with the participation in this project and we hope to continue our cooperation with Tinkoff Bank»,

— said Dmitry Golovan, CEO of eKassir.

Products and technologies,

used in project


The first ATM was installed in the only branch of the Bank in Moscow in July 2017. By the November 2017 ATMs were installed in large cities in Russia.

About the Bank


Tinkoff is Russia’s first and only direct bank with nearly 7 mln customers. The bank was founded in 2006 by the Russian entrepreneur Oleg Tinkov. TCS Group Holding PLC, the bank’s holding company, has been listed on the London Stock Exchange since October 2013. In addition to the bank the Group includes mobile virtual operator Tinkoff Mobile, Tinkoff Insurance, and Tinkoff Software DC, a network of development hubs across Russia. With no retail branches, the bank serves its customers remotely via online channels and its call centre, and operates a network of over 2,500 representatives to ensure smooth delivery of its products. The network covers all of Russia and allows next day delivery to most customers. The bank offers both own brand and partner retail financial services via its Tinkoff.ru platform. The product range includes daily banking (credit and debit cards, payments, money transfers), savings, investments, loyalty programmes, travel services, SME services, mortgage platform, and insurance. With its special focus on mobile business, the bank offers mobile applications both for its customer base (Mobile Bank) and beyond it (Traffic Fines, MoneyTalk, Card 2 Card instant money transfers). As at 1 December 2017, the bank was the second largest player in the Russian credit card market, with a market share of 11.5%. The 9M 2017 IFRS net income of TCS Group Holding PLC amounted to RUB 12.6 bn, ROE grew to 48.8%. Banki.ru, Russia’s largest financial news portal, named Tinkoff Bank the Bank of the Year 2016. In October 2016 Tinkoff Bank was named the largest independent global direct bank by Frost & Sullivan. In 2016 and 2015, the Global Finance magazine named Tinkoff Bank as the Best Consumer Digital Bank in Russia. In 2016, the bank also won Global Finance’s Best Integrated Consumer Bank Site award. In 2016, Tinkoff Bank was named the Best Digital Bank in the CEE by Euromoney. Its mobile application was recognised as the best in Russia by Markswebb Rank & Report in 2014, 2015 and 2016, and by Deloitte for four years in a row in 2013–2016. Tinkoff Bank is a General Partner of the St. Petersburg International Economic Forum (SPIEF) in 2018. Tinkoff Bank is a member of the deposit insurance system (the system guarantees each depositor of member banks a payout of RUB 1.4 mln on deposits and current accounts, including interest income).