Tinkoff Group, an online provider of financial and lifestyle services, completed the investment in Beskontakt, the developer of Koshelek digital wallet, an aggregator of banking cards and retail loyalty programs. Financial terms were not disclosed. "We are happy to welcome Koshelek into the Tinkoff family. Koshelek has a spirit and DNA that is very close to our own, and this new partnership aligns perfectly with our goal to provide Russians with the best service in the market," Oliver Hughes, Tinkoff Group CEO.