“Can a 30-year-old Chilean specialty finance company successfully transition into a full-service digital bank?”
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.
Tanner discloses Tanner Banco Digital (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Tanner does not disclose a bank charter of its own; its banking services are provided through Tanner Banco Digital (in-house).
Tanner processes payments through Tanner Portal de Pagos (self-operated) and Toku (tanner.trytoku.com).
The Embedded Finance Index 2026 maps 3 layers in Tanner's stack: Payments / PSP (Tanner Portal de Pagos (self-operated) and Toku (tanner.trytoku.com)); Banking / BaaS (Tanner Banco Digital (in-house)); Lending (Financiamiento automotriz (auto loans for individuals and businesses), Factoring nacional, Factoring internacional, Confirming (supplier payment financing) and 1 other).
Tanner is founded in 1993 and headquartered in Santiago, Chile.
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