Tonik

?? A Testament to Awesome Core Banking! ?? Tonik Digital Bank and Finastra have been recognized at the Retail Banker International Asia Trailblazer Awards 2025 for the Best Core Banking System Initiative! Huge shoutout to our amazing teams for making this happen—your hard work and commitment to innovation keep us pushing the boundaries of digital banking. Here’s to more wins and more breakthroughs ?? Want to be a part of our innovative team? Check our open positions and join the #LuvTeam here: https://lnkd.in/gzvgA8Re

Empowered Women,Empower Tonik! At Tonik, we celebrate the strength, resilience, and leadership of every woman who shapes our success. Through the TFI's WOW Club (Women of Wisdom), we foster inclusivity, growth, and a culture where every voice matters. Here’s to breaking barriers and lifting each other higher. Happy Women’s Day! #IWD2025 #WomenOfTonik #WOWClub #EmpoweredWomen #BreakingBarriers #Women2WomenSupport #Tonik Manoj Varghese Rajesh C.S Haritha Sekar Aishwarya Parmeshwaran Sridar Viswanathan

?? Unstoppable Her: Breaking Barriers in Finance ?? For International Women’s Month, we hosted a fireside chat for Tonizens with Kaleidofin Co-Founder & CEO, Sucharita Mukherjee, alongside Tonik Head of Marketing, Wanda Pascua. ?? Sucharita shared insights on financial inclusion and how Kaleidofin is breaking barriers for women through innovative financial solutions. One key takeaway? Women-to-women mentorship isn’t just valuable—it’s essential. By uplifting each other, we can create more opportunities, stronger communities, and a future where financial empowerment is within reach for all ?? Want to be part of a team that’s redefining the future of finance? Check our open positions and join the #LuvTeam here: https://lnkd.in/gzvgA8Re

Tonik kickstarted an entire industry in the Philippines ???? ?? Working with regulators to develop the digital banking license in 2020/2021 ?? Setting new standards on banking experiences (from time deposits to loan applications) right out the gate in their first two years ?? Grew their loan portfolio 7x in the last two years with operational profitability, reaching the million loan milestone less than four years since the bank officially launched Resharing our docu-podcast with CEO and Founder Greg Krasnov on the leadership and company culture behind Tonik as the fully digital bank continues to redefine consumer finance in the country Watch the full episode now on LinkedIn?? Check out the transcript: https://lnkd.in/gMztni5V #digitalbanking #fintech #philippines #tonik

Rising protectionism, tariff-led inflation, data localization measures, and shifting geopolitical fault lines How can founders think about the future of building fintechs? In a recent post, Greg Krasnov, CEO and founder of Tonik, the Philippines' first and leading digital-only bank, shares key points on navigating the impact of today's geopolitics on interest rates, lending margins, and fundraising 1?? Greater focus on organic funding (Tonik's thesis for consumer finance as a digital bank) 2?? Doubling down on profitability 3?? Staying relentlessly compliant esp on data 4?? The upside of speed and adaptability in a tough market Read the full article: https://lnkd.in/gTCr4DbZ Cheers to Tonik as well for hitting the 1 million loan milestone!

What does it take to drive real impact in virtual banking? ?? Tonik Chief Growth Hacker Mila Bedrenets shared key insights at Asian Banking and Finance and Insurance Asia Summit – Manila 2025: ?? Financial literacy should be at the heart of banking apps. We design our products with financial literacy in mind. ?? Stashes teaches Filipinos to save regularly, and the Credit Builder program is meant to help Filipinos build their credit scores and credit history to be included in the banking ecosystem and stay away from predatory lending. The goal is to empower Filipinos with the right financial tools and knowledge.? ?? Innovation isn’t just about cutting-edge tech. The biggest improvements often come from simple, effective solutions that directly address customer pain points.

Thanks for the nod, Business World! ?? ?? ?? Read more about our 1,000,000 loan milestone and how we’re transforming consumer lending in the Philippines: https://lnkd.in/gWcvzNnW

Catch our Chief Growth Hacker Mila Bedrenets at She-E-Os Philippines 2025, hosted by Moengage! ? Join us and learn how women inspire, empower, and drive change in the digital space ??♀? ?? RSVP now: https://lnkd.in/gu8P84Mp

Tonik just hit 1 million loans! ?? Scalable, profitable, and built for impact—this is the future of lending in the Philippines. Congrats, Greg Krasnov!

Must watch conversations on leadership ?? Ahead of #InternationalWomensDay2025 tomorrow, we celebrate leaders we have had the privilege of going on call with in 2024: 1?? Mesty Ariotedjo (Tentang Anak CEO and Co-Founder): Leadership is Communication “As founders and as individuals, we’ve grown very fast...I’ve learned that communication is a priority for building relationships and ensuring the company grows.” ?? Mesty transitioned from a pediatrician to a startup CEO, realizing that clear communication and well-defined company values were critical as Tentang Anak grew from 10 to 100+ employees. 2?? Mila Bedrenets (Tonik Chief Growth Hacker) – Question Everything “Asking why helped us eliminate many problems, troubles, and barriers for customers.” ?? Mila believes that growth hacking in a startup means challenging every assumption—whether it’s how loans are approved or how customers interact with a banking app. Her approach at Tonik helped disrupt digital banking in the Philippines. 3?? Cassandra Loh (Intellect SVP of Partnerships and Solutions) – Build a Culture of Risk-Taking “Nobody is afraid to fail at Intellect… We back each other up, and even if we fail, we pick each other up and move on.” ?? Cassandra credits Intellect’s agile and supportive culture for its global expansion. Encouraging bold decision-making has been key to the company’s success in mental healthcare. 4?? Trasy Lou Walsh (Fluid CEO and Co-Founder) – The Right People Make the Leap Possible “I had a good idea and a co-founder with skill sets that complemented mine. That’s when I decided to take a leap of faith.” ?? Trasy left a senior BNPL role to launch Fluid because she found co-founders with complementary skills. For startup founders, assembling the right team is just as crucial as the business idea itself. 5?? Nadira Zahiruddin (SuperApp (YC W18) VP of Innovation) – Adaptability is a Startup CXO’s Superpower “Super operates in a very dynamic environment where innovation and agility are essential for success.” ?? At SuperApp, Nadira had to quickly adapt from working with just FMCG products to managing new health and beauty brands, proving that startup leaders must be comfortable stepping into unfamiliar territory. 6?? Shilpa Gautam (AwanTunai CFO) – Build Relationships Before You Need Them “One investor passed on us but introduced us to another investor who eventually invested in our Series B. Building these relationships is crucial.” ?? As AwanTunai’s CFO, Shilpa learned that staying in touch with investors, even those who decline, can open doors down the line. Founders should play the long game when raising capital. Hear their stories on our podcast: https://lnkd.in/gS8zM2PP ?? Happy International Women’s Day! Tag a startup leader who inspires you and what you learned from them! ?? #IWD2025 #WomenInStartups ?? L-R, T-B: Shots from our calls with Mesty, Mila, Cassandra, Trasy, Nadira, and Shilpa