Tanner
“Can a 30-year-old Chilean specialty finance company successfully transition into a full-service digital bank?”
Founded1993
HQSantiago, Chile
IndustryFintech / SMB banking
The story
Tanner Servicios Financieros has spent 30+ years as a non-bank Chilean financial institution specializing in automotive financing, factoring/confirming for SMBs, insurance brokerage, and investments. Supervised by the CMF, it has operated as a sociedad anónima de giro exclusivo. The major recent pivot is the 2025 launch of Tanner Banco Digital, transitioning the group from a specialized finance company into a chartered digital bank — a significant expansion of its regulatory perimeter and product surface.
Last 12 months
Product timeline
0
Expanded into insurance brokerage via Tanner Corredora de Seguros Limitada.· insurance
0
Launched Tanner Investments and Tanner Virtual (digital factoring platform for SMBs).· lending
1993
Founded as a Chilean financial services company focused on factoring and automotive lending.· founding
2025
Tanner Banco Digital begins operations, marking the company's transition to a chartered digital bank in Chile.· banking
Regulated entities
3
regulatory licences held by Tanner
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Tanner’s embedded-finance stack
Payments / PSP
Tanner Portal de Pagos (self-operated)Toku (tanner.trytoku.com)
Banking / BaaS
in the full report
Lending
in the full report
Accounting gap: none
6 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.