OUR DIGITAL EXPERIENCE 

No content

Sergo Rostiashvili Platforms Tribe Lead at TBC 

TBC GROUP Azerbaijan 3.8 mln Digital monthly active users 13.6 mln Registered users 4.4 mln Monthly active users (MAU) 1.4 mln Digital daily active users (DAU) 48 mln Total addressable market * as of 31 Dec 2022 CUSTOMER ADDITIONAL FINANCIAL S ERVICES LIFESTYLE AUTO Georgia Uzbekistan 10K+ EMPLOYEES from 12 countries 

FROM PHYSICAL TO DIGITAL TBC 1992 OF TRANSACTIONAL BANKING IS DIGITAL 98% Internet Banking Services 2001 Internal API Management (ESB Pattern) 2012 Space Neobank 2018 External API Management 2019 Internal API Management (Gateway Pattern) 2020 2021 TBC UZ Neobank 

FINTECH ECOSYSTEM IN GEORGIA Powered by TBC E-Commerce QR Payments Exchange Rates Online Installments Lead Generations Payment/Transfer Services Account Information Services Identification/Verification Services External API Services: API RETROSPECTIVE 2019 API Management Open Banking Regulations 

STATISTICS 3000 Partner Companies 1500 20M API Operations per Month Registered Developers 

INTERNAL APIS - APPROACH CHANGE 35 APIs 450 Operations 

APPROACH AND EXPERIENCE Decentralization Developer Relations (DevRel) Developer Portal Developer Support Sandbox 

KEY TAKEAWAYS Change The Mindset Focus on Developers Unlock Potential 

THANK YOU