A multi-banking app
and a personal finance assistant with great UX.

It's like Google Now, but for personal banking.
It makes it easier to communicate with the bank,
and suggests additional products based on clients' transactions.
Combine is not a bank
It's a personal banking service based on
customer transactions and behaviour analysis
Every customer gets his own set of services
exactly when he needs them
Smart cross-sale system
Open API to cross-sell non-financial services
Tactful push system

Online Chat Customer support
Here's the product demo:
We've tested the concept
with one of the largest banks in Russia
2x

Product engagement grows twice
1,1x

Customer lifetime value – 1.1x
2x

Transaction activity grows twice
90%

Loyalty (NPS) grows up to 90%
Who we are
We are a team of talented and capable people, who create unique products.
We're experts at mobile & web development, UX & Service design,
Math & Machine Learning and banks' microservice architecture.
Irakli Agladze
CEO
Product Manager of one of the best mobile banks for SMEs in Russia. MA in Digital Media Management
Denis Moskalets
CTO
10+ years experienced Software Engineer. Focused on data science, machine learning and user happiness

Alexey Kuznetsov
UI/UX Designer
Senior Designer with 5+ years experience in mobile apps, including the largest classifieds' platform in Russia
Ivan Kozlov
iOS Lead
Great mobile developer, constantly challenging himself in hackathones of any kind.
Let's talk business.
We're interested in partners and investors.
Let us know if you think you can help us.