Tonik

Tendo by Tonik is proud to partner with Concentrix, the Philippines’ largest private employer, to bring responsible credit, budget coaching, and savings tools to over 100,000 team members! 🚀 As we scale with 180+ employers nationwide, this collaboration reinforces our commitment to inclusive financial wellness—and accelerates Tonik’s path to profitability in Southeast Asia’s most under-penetrated consumer finance market. 💸 Learn more: https://lnkd.in/gAYQJCBp

🎉 Exciting news: We’ve been recognized as one of the Top 25 IT Leaders at the Fintech Revolution Summit! 🚀 Here’s our CTO, Melvin Ramis, accepting the award on behalf of our brilliant team. This achievement is a true testament to their unwavering dedication, innovation, and hard work. This isn’t just a win for us—it’s a win for our entire team, our partners, and most importantly, our customers. At Tonik, we are relentlessly customer-centric, constantly pushing boundaries, and driving meaningful change in fintech. 🔑 And guess what? We’re only getting started. Bigger and bolder things are on the horizon! #FintechRevolutionSummit

How does a Chief Financial Officer save? Here's our very own Todd Esposito with a helpful savings tip 👍 Ready to start saving with luv? Download the Tonik App and start now: https://lnkd.in/d7uT2nfn

Exciting things happening at Tonik HQ! Thanks to Secretary Henry Aguda, FICD and the Digital Bank Association of the Philippines for the insightful discussion—together, we're driving credit inclusion and innovating for a brighter financial future!

How do you scale financial inclusion profitably—without compromising fairness, trust, or speed? 🤔   At Money 20/20 Asia, our Chief Data Officer Biswanath B. says AI is the answer.   This technology helps first-time borrowers access credit, with every decision being transparent and fair.   The results of using AI at Tonik: 📈 Lending now makes up 83% of our revenue—AI is at the heart of our growth. 🌟 4.7-star app rating—demonstrating the trust our customers place in us. 💥 92% of users opt-in for personalized offers, showing the power of real-time, tailored experiences.   By 2026, we aim for a $117M+ loan portfolio with strong returns—powered by AI and data, not outdated credit systems.   The future of finance is transparent - AI-powered, and built for everyone!   Thank you to AmBank Group's Dr. Yew Choong Chew, BIS's Friedrich Klinger, and DBS Bank's Medhy Souidi for the thought-provoking discussion!     #Money2020Asia

Cheers to the pups that keep our office fun, even when things get a little ruff 💪 🐶 Before you ask, YES, fur babies are always welcome in our office! 😂🐾 Pawsitions in our K9 Mental Health Squad are currently filled out, but we're still accepting human applicants! Check our open positions here: https://lnkd.in/gzvgA8Re #WorkwithLuv #LuvTeam

What's the secret to Tonik's neobanking romance? Trust, good chemistry, and a bit of flirting 😉 Our Head of Marketing, Wanda Pascua, recently joined a panel at Content 360! Here’s what she had to share: 💜 Trust with customers starts with product reliability and an exceptional customer experience. 💜 Brand content plays a crucial role in building meaningful connections. 💜 Tonik’s 'anti-bank' approach makes banking fun and flirty—no intimidation, just inclusivity for all Filipinos, especially the unbanked. Thanks to L'Oreal Group Social and Advocacy Manager Samantha Gonzales, Malayan Insurance Head of Digital and E-Commerce Pocholo Garcia, and Chowking Philippines Head of Digital and PR Jeff Cape for a fun and engaging panel! #DigitalBanking #Neobanking #CONTENT360

"Tonik’s selection is a milestone not just for Endeavor, but for Philippine fintech,” said Manny Ayala, Managing Director of Endeavor Philippines. “They’re building one of the most profitable and scalable neobanks in the region — with global relevance.” Read more about our inclusion in this year's Endeavor Outliers List here: https://lnkd.in/gY8qtm7y

We had the BEST speakers We shared insights fintechs don’t usually talk about... I spent a month that completely changed my perspective on how banks are built. And for the last 3 months, I’ve had the insane opportunity to host, learn, debate, and exchange with some of the top fintech minds from around the world. 📍 From KYC & fraud, to stablecoins, GTM strategies, product growth in emerging markets, and VC fundraising, we covered it all. Here are some of the speakers we featured: ▪️ Nicolas Moalic (Revolut – France & Benelux) We unpacked Revolut’s GTM playbooks, how to scale internationally and reach 50M+ users, and even how to launch a bank from scratch. ▪️Alex Bowen (COO, PayMe by HSBC) We went deep on how he scaled PayMe to over half a million users in Hong Kong and made a real impact in people’s daily lives. ▪️ Mila Bedrenets (Tonik – Philippines) Her mindset blew me away. She built Tonik into the most successful neobank in the Philippines by keeping the product simple in emerging markets. ▪️ Somil Goyal (Founder, Project Brains) Fraud is one of the biggest pain points in banking, and he walked us through how to identify and stop attacks before they scale. ▪️ Eric Barbier (CEO, Triple-A) He showed us how stablecoins are the future of payments, and how to potentially utilise wallets like Grab to receive crypto instantly in a demo. ▪️ Tyler Dean (Fintech VC) We discussed how VCs evaluate and scale fintechs from launch to exit. His analytical mind and strategic thinking were next level. ▪️ Jonathan Low(CEO, Biptap) He built an 8-figure fintech business by focusing on partnerships first, now providing tech to brands like OnlyFans. ▪️ Karena Belin (WHub, AngelHub) She gave a full update on the state of fintech today, how to identify a successful company early, and the story behind helping WeLab to become one of the Hong Kong Unicorns. ▪️ Zavier Murtza (CGO, Xprizo™) We explored how he entered some of the world’s hardest fintech markets and developed a custom GTM strategy for each. ▪️ Philipp Pointner (Chief of Digital Identity, Jumio Corporation) We spoke about KYC, deepfakes, fraud, and how to protect your identity. Its insights changed the way I see privacy forever. ▪️ Lawrence Li (Cross-border, Airwallex) We broke down cross-border payments and how to partner smartly to scale a payment platform fast. ▪️ David B. Wang (CEO, krip HK) He’s redefining how people interact with coupons and promotions. With deep data insights and top-tier partnerships. And there’s more on the way… 🎯 Our mission: To give you the real strategies behind building successful digital banks and show you exactly how fintech leaders think. 📹 Over the next few weeks, I’ll be dropping: ✔️ Short videos (TikTok, Reels, YouTube Shorts) ✔️ Deep carousels on LinkedIn ✔️ Exclusive articles & soon... a full book. If you’re building in fintech, you won’t want to miss this. 👇 Drop “BANKS” in the comments, like and follow me, and I’ll send you exclusive content of the summit

💸The Key to Success in Financial Services ✨ For Tonik CEO Greg Krasnov, it’s all about being agile and customer-centric: 💜 Stay focused on understanding your customers. Solve the issues they’re actually facing. 💜 Understand the regulatory environment to build with proper resilience. 💜 Seek partnerships that add value or open up new markets. 💜 Embrace data and innovations like AI. 💜 Keep adapting to new data and evolving market conditions. That's not all. Take a deep into his philosophy on building a successful team, why there’s more to gain from failure than success, and more in this interview with Qorus Global’s Boris Plantier! Read here: https://lnkd.in/gNBeE92c