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 are the first digital-only bank in Southeast Asia. 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 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.
Built over 20 digital bank channels across Asia and Middle East as a Chief Architect. 16 years of IT experience.
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.
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.
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.
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.
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 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.
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.
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.
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.
V-Key is choosen by tonik to be the Mobile Security Partner in the Philippines.
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NICE Actimize’s AML Essentials Chosen by TONIK to Launch Digital Banking Platform.
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1st Digital Bank in Southeast Asia receives bank licence in Philippines in 2020.
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111 North Bridge Road, #08-18, Penninsula Plaza, Singapore-179098
The Octagon, 105 Cecil Street, #22-00 (Suite 2228+2229), Singapore-069534
Level 17, 6750 Ayala Avenue, Makati City, Metro Manila 1216
Block-A, Prince Info Park, 81-B, 2nd Main Rd, 3rd Floor, Ambattur Industrial Estate, Chennai, Tamil Nadu-600058
