𝐭𝐛𝐢 bank is a Southeast Europe Challenger Bank, focusing on consumers, merchants, and SMEs by providing financing and additional embedded services through a wide network of ‘phygital’ channels and platforms. Currently operates in Bulgaria, Romania, Greece, Germany, and Lithuania. Through various digital channels, an own network of 300+ physical locations and trusted partnerships with nearly 20,000 merchant locations, 𝐭𝐛𝐢 has a customer portfolio of 2 million clients in 2021 and issued nearly 500,000 loans. Its successful business model and customer-focused approach resulted in becoming one of Southeast Europe’s most profitable and efficient banks.