TCS Group Holding PLC announced that it has launched Tinkoff Call Defender, a platform designed to prevent fraud and social engineering in the telecom sector developed as part of the comprehensive Tinkoff Security system to protect the ecosystem customers. It was developed in partnership with major Russian mobile operators, including Megafon, MTS, Tele2 and Tinkoff Mobile. It has adopted a cutting-edge approach to credit-scoring based on securely-merged data on oneFactor platform. It includes AI-powered predictive analytics tools, based on combined data from multiple sources, including telecom operators, Russia's credit bureau and Tinkoff itself. In January Tinkoff integrated its Oleg voice assistant into its own phone call center, aiding customer service representatives in dealing with customer queries. In February Tinkoff launched Tinkoff Checkout, an online and offline payment service for legal entities which operates as a one-stop shop, enabling companies to take care of all of their online and offline financial needs in one place.