Tonik

Tonik is lending more, but inflation keeps applying the brakes. Meanwhile, AI startup Plaud is betting users will pay up rather than trade down.

Find out what the stand-alone digital bank player did differently to achieve cash flow breakeven in the first quarter of 2026.

While Filipinos get spoiled with digital banking choices, players fight tooth and nail to reach profitability.

Tonik projects cash-flow breakeven by the first half of 2026.

Tonik makes the case that a higher loan-to-deposit ratio could unlock profitability for Philippine digital banks, and a CEO in Australia believes AI can do his job.

Take a peek into what strategies Tonik used to beef up its loan book and the steps it plans to take to hit its breakeven goal.

We dive into how Tonik Financial tripled its interest income in 2023 and the end of the so-called angel tax on investments in India.

The digibank achieved profitability in all three of its consumer lending product lines in the Philippines, its CEO Greg Krasnov says.

The Singapore-based banking firm aims to “redeploy resources into direct support” of its growth, said founder and CEO Greg Krasnov.

Last year, the firm behind Tonik Digital Bank raised US$131 million in a series B round led by Mizuho Bank.