Revolutionizing the way money works.

Launching in the Philippines in 2020.

About TONIK

TONIK is a transformative digital bank on a mission to revolutionize the way money works in Southeast Asia.

We are addressing the US$140 billion retail deposit and US$100 billion unsecured retail lending opportunities in the Philippines. We believe the existing Filipino banking customers and the 70% of the Filipinos that remain unbanked deserve a better choice - a digital-only bank that is simple, not intimidating, helps them save, all at the click of a button.

As the world leader in internet and social media usage, we believe Philippines is ripe for becoming a world leader in digital banking too. We plan to make it happen.

We provide retail financial products, including deposits, loans, current accounts, payments, and cards on a highly secure digital banking platform.

Innovation is woven into the DNA of our company. We put customers first. We challenge the status quo. We are relentless. We are passionate about improving people's financial lives through the use of technology.

Our Team

Our team members have built over 30 digital and retail banks in emerging Markets across the globe. And we decided that it should be done differently this time. We decided to build a bank that will give back to the customer the power to build his financial future by using digital, mobile-first technology.

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Ramu Arivuvel

Built over 20 digital bank channels across Asia and Middle East as a Chief Architect. 16 years of IT experience.



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Long Pineda

25 years of Financial Inclusion Banking experience in Philippines, Latin America, and India. Founder/CEO of Rizal Microbank, one of the top microfinance banks in the Philippines, part of RCBC Group.


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Mila Bedrenets

Extensive experience (15 yrs) of Marketing and Sales in Emerging Markets, including in the Banking and Financial Inclusion sectors. Most recently Deputy CEO of SolarHome, the market leader in microfinance-powered rural electrification in Myanmar.

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Weng Manalaysay

A Cornell University-certified HR professional with over 20 years of experience building a track record in managing attrition & engagement in multinational companies like Leo Burnett, GroupM & Grab. Has successfully led HR teams & functioned as executive coach, mentor, regional training consultant & talent management strategist in companies based in the Philippines and Southeast Asia.

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Greg Krasnov

Founded, built and sold a major consumer finance bank in Eastern Europe, Platinum Bank, backed by global investors. Co-founded four market-leading and award-winning fintech startups in Asia: CredoLab, AsiaCollect, AsiaKredit, SolarHome.

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Eugene Plotitsa

Built and scaled four retail banks as a COO across the Global Emerging Markets. Most recently COO of FE Credit, largest consumer lender in Vietnam. 22 years of retail banking ops experience.


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Todd Esposito

Over 20 years in Banking in various Finance roles from start up financial service and banking companies to large organizations such as GE Capital. Worked across the world from the United States, Central and Eastern Europe, Ukraine and Russia.

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Nilotpal Borpujari

Over 25 years of rich and diversified multi-country emerging markets experience in the Banking and Financial Services domain. Engaged in Financial Services start-ups both in the brick-and-mortar and digital space. Seasoned Credit Risk and Assurance professional with wide ranging experience across Retail and Small Business verticals.

Our Team

Our team members have built over 30 digital and retail banks in emerging Markets across the globe. And we decided that it should be done differently this time. We decided to build a bank that will give back to the customer the power to build his financial future by using digital, mobile-first technology.

profile1

Greg Krasnov

Founded, built and sold a major consumer finance bank in Eastern Europe, Platinum Bank, backed by global investors. Co-founded four market-leading and award-winning fintech startups in Asia: CredoLab, AsiaCollect, AsiaKredit, SolarHome.

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Ramu Arivuvel

Built over 20 digital bank channels across Asia and Middle East as a Chief Architect. 16 years of IT experience.

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Eugene Plotitsa

Built and scaled four retail banks as a COO across the Global Emerging Markets. Most recently COO of FE Credit, largest consumer lender in Vietnam. 22 years of retail banking ops experience.

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Long Pineda

25 years of Financial Inclusion Banking experience in Philippines, Latin America, and India. Founder/CEO of Rizal Microbank, one of the top microfinance banks in the Philippines, part of RCBC Group.

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Todd Esposito

Over 20 years in Banking in various Finance roles from start up financial service and banking companies to large organizations such as GE Capital. Worked across the world from the United States, Central and Eastern Europe, Ukraine and Russia.

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Mila Bedrenets

Extensive experience (15 yrs) of Marketing and Sales in Emerging Markets, including in the Banking and Financial Inclusion sectors. Most recently Deputy CEO of SolarHome, the market leader in microfinance-powered rural electrification in Myanmar.

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Nilotpal Borpujari

Over 25 years of rich and diversified multi-country emerging markets experience in the Banking and Financial Services domain. Engaged in Financial Services start-ups both in the brick-and-mortar and digital space. Seasoned Credit Risk and Assurance professional with wide ranging experience across Retail and Small Business verticals.


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Weng Manalaysay

A Cornell University-certified HR professional with over 20 years of experience building a track record in managing attrition & engagement in multinational companies like Leo Burnett, GroupM & Grab. Has successfully led HR teams & functioned as executive coach, mentor, regional training consultant & talent management strategist in companies based in the Philippines and Southeast Asia.

How are we redefining money?

TONIK is focused on providing simple consumer payment, savings, and borrowing solutions, delivered through a smartphone. Our products fit seamlessly into the lifestyle of our customers and improve the quality of their lives. Unlike traditional banks, we use technology to completely reinvent the banking experience for our customers.
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I want to open a bank account without leaving my sofa.

I don't need a savings account. What I need is a bank with tools that help me and my family save.

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I don't need a loan. What I need is fast and painless access to additional money whenever I need it.

I need my payments to be secure, simple and fun.

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Contact us

Registered Address (Singapore)


111 North Bridge Road, #08-18, Penninsula Plaza, Singapore-179098

Singapore Office


The Work Project OUE Downtown, 6A Shenton Way, Level #04-01 OUE Downtown Gallery, Singapore-068815

Philippines Office


Unit 605B, 6/F West Wing, The Estancia Offices, Meralco Ave., Oranbo, Pasig City, Philippines-1605

Chennai Office


4B, Fourth Floor, DG Square, 127 Pallavaram-Thoraipakkam 200' Radial Road, Kilkattalai, Veeramani Nagar, Kovilambakkam, Chennai, Tamil Nadu-600117