TCS Group Holding Plc engages in the provision of online retail financial services operating in Russia. It operates through the following segments: Retail Debit Cards, InsurTech, SME Services, Consumer Finance, Acquiring and Payments, InvestTech, and Mobile Virtual Network Operator Services(MVNO). The Consumer Finance segment represents retail loans, deposits and savings, also lifestyles and travel services to individuals. The Retail Debit Cards segment represents customer current accounts services to individuals with the loyalty programmes, co-branded offers, and also lifestyles and travel services to individuals. The InsurTech segment represents insurance services provided to individuals, such as personal accident insurance, personal property insurance, travel insurance, and vehicle insurance. The SME Services segment is comprised of customer current accounts, savings, deposits services, and loans to individual entrepreneurs and small to medium businesses. The Acquiring and Payments segment provides merchants and businesses the ability to process payments online using internet and offline acquiring services, through direct-to-merchant agreements, aggregators and the Group's own aggregator CloudPayments. The InvestTech segment represents online brokerage platform for investing in a range of securities, including Russian and international securities. The MVNO segment provides full coverage across Russia and international roaming, offering a number of value-added options such as virtual numbers, music, and video streaming services. The company was founded by Oleg Tinkov on December 31, 1999 and is headquartered in Limassol, Cyprus.