tbi bank Modernizes Deposit and Credit Business Lines to Deliver Next-Generation Customer Experiences

tbi bank, one of the most successful challenger banks in Europe and the most profitable bank in Southeast Europe, is continuing its bold journey to transform customer experiences through the modernization of its deposit and credit business lines. 

Operating across multiple countries and known for its focus on next-generation deposits and consumer credit products, tbi bank has grown tenfold over the past seven years by staying true to its vision: combining customer-centricity with innovation at speed. 

tbi bank leads with a lending-first approach, complemented by retail deposits, a robust merchant finance ecosystem, and strong digital and mobile capabilities, creating a seamless, tech-forward experience for both individual and merchant customers. All of these strengths are now being advanced through a strategic modernization initiative, which encompasses the end-to-end transformation of credit products, the introduction of personalized pricing and customer journeys, and streamlined underwriting and origination processes. 

This is part of a long-standing partnership with FintechOS, whose technology helps enable fast, flexible, and affordable modernization. 

Lidia Cirstei, SVP Product & Operations at FintechOS, commented: “tbi bank is executing one of the most forward-looking strategies in European banking, combining relentless innovation with a deep commitment to customer experience. Their ability to deliver faster, more personalized, and simpler financial services is setting a new benchmark for the industry. At FintechOS, we are proud to provide the technology foundation that enables tbi bank to turn this vision into reality and to lead by example across the region.”

As tbi bank continues to expand its impact across Europe, its approach offers a blueprint for how challenger banks can combine innovation, profitability, and customer focus to reshape the future of financial services.