𝐭𝐛𝐢 bank is a mobile-first challenger bank in South East Europe and regional leader in alternative payment solutions, building an ecosystem by combining financing and shopping to address customers’ needs. It focuses on helping merchants to grow their business as well as providing consumers with financial products and services that make their lives easier. Currently operates in Bulgaria, Romania, Greece, Germany, and Lithuania. Through various digital channels and trusted partnerships with over 22,000 merchant stores, 𝐭𝐛𝐢 has a customer base of 2 million clients and issued nearly 550,000 loans in 2022. Its business model and customer-focused approach resulted in becoming one of the most profitable and efficient banks in the region.