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Channel

Карты, деньги и продукт

@karty_dengi_product

On this record: Topic · Growth · Engagement · What this channel posts · Reactions · Posts · Polls · Citations · Telegram's recommendations · Cite this entry

6,471subscribers

+40 since we began measuring on 6 August 2026

Risers and fallers across the register · movement among entries of 3,162–10,000.

Register entry

Telegram ID-1001821474443
TypeChannel
Username@karty_dengi_product
DescriptionО продуктах и продактах от продактов Т-Банка. Наш подкаст: https://www.youtube.com/@karty_dengi_product/featured
Created13 March 2023 — measured — cross-checked against a third-party dataset (ext.tg_channel)
First recorded6 August 2026
Last confirmed live6 November 2026
Measurements held23
Confirmed unchanged1 time, most recently 6 November 2026
On Telegramt.me/karty_dengi_product

Topic

Other / unclassifiable — a classification, not a measurement. An on-box language model (Qwen3.6-35B-A3B-FP8, prompt version 1) read this channel’s own recent posts on 12 September 2026 and assigned it the closest of 31 fixed categories, at 65% confidence. This is a model’s judgement about what the channel is likely to be about, not a fact this register measured the way a subscriber count or a view count is measured — it can be revised on a later pass, and it carries no weight anywhere else on this page. How this classification works, and the other topics.

Growth

6,4246,5086,4666 August 2026 — 6,431 subscribers7 August 2026 — 6,428 subscribers10 August 2026 — 6,425 subscribers13 August 2026 — 6,424 subscribers16 August 2026 — 6,433 subscribers19 August 2026 — 6,435 subscribers22 August 2026 — 6,438 subscribers25 August 2026 — 6,446 subscribers28 August 2026 — 6,451 subscribers31 August 2026 — 6,457 subscribers3 September 2026 — 6,458 subscribers9 September 2026 — 6,473 subscribers12 September 2026 — 6,496 subscribers16 September 2026 — 6,503 subscribers30 September 2026 — 6,508 subscribers6 October 2026 — 6,497 subscribers12 October 2026 — 6,494 subscribers16 October 2026 — 6,495 subscribers18 October 2026 — 6,491 subscribers22 October 2026 — 6,495 subscribers28 October 2026 — 6,484 subscribers30 October 2026 — 6,482 subscribers6 November 2026 — 6,471 subscribers6,4716 August 20266 November 2026
23 measurements spanning 92 days, net +40. Dots are measurements; the straight line between them is drawn to join them, not to claim we know the path taken in between — snapshots are recorded only when a count changes, so gaps mean “no change observed”, never “interpolated”. The vertical axis spans 6,411–6,521 and does not start at zero.
Measurement log — every subscribers count we have recorded, most recent 20 of 23
Measured (UTC)SubscribersChange
6 Nov 2026, 03:476,471-11
30 Oct 2026, 20:366,482-2
28 Oct 2026, 06:576,484-11
22 Oct 2026, 02:266,495+4
18 Oct 2026, 16:546,491-4
16 Oct 2026, 03:386,495+1
12 Oct 2026, 22:376,494-3
6 Oct 2026, 22:166,497-11
30 Sept 2026, 04:576,508+5
16 Sept 2026, 08:186,503+7
12 Sept 2026, 18:576,496+23
9 Sept 2026, 01:356,473+15
3 Sept 2026, 22:216,458+1
31 Aug 2026, 19:066,457+6
28 Aug 2026, 20:296,451+5
25 Aug 2026, 15:356,446+8
22 Aug 2026, 17:256,438+3
19 Aug 2026, 15:116,435+2
16 Aug 2026, 18:176,433+9
13 Aug 2026, 07:466,424first reading

Engagement

24 posts held, back to 20 March 2026 — the reader has not yet reached the start of this channel’s public history, so older posts may sit further back, unread. Read across 16 pages of Telegram’s post history, 20 posts per page.

ERR · 30 days
14.6%
avg views ÷ 6,471 subscribers
Avg views / post
944
1 post measured
Reaction rate
1.59%
reactions ÷ views · ER floor
Posts in window
1
of 24 held

ERR is average views per post over the last 30 days divided by subscribers, the definition TGStat uses, so this figure is comparable with the one you will see elsewhere. It falls structurally as a channel grows: a high ERR on a small channel and a low one on a large channel describe reach mathematics, not quality. We publish the figure and the sample it came from and pass no verdict on it.

ER is defined industry-wide as (forwards + reactions + comments) ÷ views — note the denominator is views, not subscribers. Telegram’s public web preview carries views and reactions but not forward or comment counts, so the reaction rate above is the reactions term only and is therefore a floor: the true ER for this channel is higher by an amount we have not measured and will not estimate.

What these figures were computed from
WindowRolling 30 days · latest post in window 3 November 2026
Posts held24 (20 March 2026 – 3 November 2026)
Views total944
Reactions total15
Forwards / commentsnot exposed by the public surface — not measured, not estimated
Readings taken7 Nov 2026, 07:06 UTC

Views are a single reading per post, taken at the time above. A post published in the last day or two is still accumulating views, which pulls the 30-day average down slightly. That is a property of the standard definition rather than a fault in it, so we keep the definition rather than “correcting” the number into something nobody can reproduce.

Precision. Telegram publishes view counts on its public widget in short form — 8.12K, 3.7M — so any reading at or above 1,000 reaches us rounded to three significant figures, and only counts below 1,000 are exact. Averages and rates derived from them are shown to the same precision rather than to the unit: a figure like 3,701,250 would assert digits nobody measured.

Reaction counts are published per emoji and rounded the same way, so a total below 1,000 is exact and a larger one is a sum that may carry a rounded component from each emoji above 1,000. Because it is a sum, it does not look rounded — read a large reaction total as three significant figures per contributing emoji rather than as the figure it prints.

What this channel posts

Photos
171
Videos
17
Links
114

Lifetime counters from Telegram’s own channel header, read 7 November 2026 — not the date at the top of this page, which is when the subscriber count was last read. Below Telegram’s rounding threshold, so these counts are exact.

Video runtime
1m 09s
Average length
1m 09s

Measured directly from 1 video with a duration reading, out of the posts we hold for this channel — not this channel’s whole posting history, only the sample this register has actually read. An exact reading to the second, taken from the post itself rather than from Telegram’s own rounded chrome, so it carries no ≈ mark.

Reaction mix

1,077 reactions across 24 posts, in 17 distinct kinds. The most used accounts for 54.9% of them.

Every reaction kind recorded on the sample, most used first
ReactionCountShareShare, drawn
❤59154.9%
🔥27125.2%
😁726.69%
👍656.04%
💯151.39%
⚡131.21%
🤣80.743%
🥰80.743%
🍾70.65%
😍70.65%
😎70.65%
👏40.371%
😢30.279%
👀20.186%
😱20.186%
💔10.093%
🤯10.093%

No sentiment is inferred, and none should be read in. This table is ordered by count and by nothing else. Emoji do not carry stable meaning across languages or communities — 🙏 is thanks in one channel and mourning in another — so we publish which ones were pressed and how often, and pass no judgement on what an audience meant by them.

Precision. Telegram publishes reaction counts per emoji and short-forms each one — 4.34K, 1.2M — so any single kind at or above 1,000 reaches us at three significant figures, and only counts below 1,000 are exact. The shares above are ratios of those figures and carry the same error. This is also why the total here can differ slightly from a reaction total printed elsewhere on the page: both are sums of the same rounded parts, taken over samples with different edges.

Coverage. Reactions were read on 24 of the 24 sampled posts in this sample. Summed by Telegram’s own count on each post — not by adding up the per-emoji breakdown above — those same posts carry 1,077 reactions in total: the kind of figure the paragraph above means by “a reaction total printed elsewhere on the page”.

Measured over the 24 most recent posts we hold, published 20 March 2026 to 3 November 2026, using the newest reading held for each. Telegram Stars are excluded: they are a payment, not a reaction, and they have their own section.

Recent posts

Telegram’s own ‘edited’ marker: 0 of 1 post held from the last 30 days (0%) carried it when this register last read them. The marker says a post was changed after publishing, not what it said before — this register holds the earlier wording only where an edit fell between two of its own reads (see the edit ledger and how it is measured).

3 Nov 2026, 15:04 UTC944 views15 reactionsread 7 November 2026
Video

Не успели посмотреть всё на «Продуктах 24 × ffdd2d»? Собрали записи в одном месте! 👀 В сентябре мы сделали конференцию не по шаблону: три зала, продуктовые кейсы, неожиданные форматы и честные разговоры о том, как мы устроены. Доклады о продуктах и не только: — Максим Кирилычев — «Почему хорошие решения не всегда рождаются по правилам» — Иван Стельмах — «Стань тем, не знаю кем. Что такое современный университет» …

❤10🔥5

8 Sept 2026, 14:54 UTC≈2,550 views26 reactionsread 7 November 2026

Джуниор-продакт wanted На «Продуктах 24 x ffdd2d» 12 сентября будем играть в 100к1: команда продактов, аналитиков и дизайнеров из Т-Банка против подписчиков наших продуктовых каналов. Ищем дерзкого джуна-продакта, готового сразиться с лидами из Т-Банка 💥 Если ты джуниор-продакт, хочешь выйти на сцену и попробовать переиграть наших лидов на одной интуиции, пиши пару слов о себе в комментах и отвечай на вопрос: Что …

🔥17❤7🥰2

Signed Anya Podobrazhnykh

2 Sept 2026, 08:00 UTC≈3,270 views27 reactionsread 7 November 2026

Галина Клодкодовна в недоумении: почему вы всё ещё не зарегались на легендарное событие года? Продукты 24 х ffdd2d Мы так устроены — делать не как все и ломать привычный образ конференции. Два года назад организовали конфу в ex-Мутаборе с кассиром Галей и фруктами, которые читали стихи на сцене. Год назад сделали красиво на Суперметалле. В этом году снова превзошли свои же ожидания. Готовим для вас: • Три зала с д…

😁15🔥7👍3❤2

Signed Anya Podobrazhnykh

2 Sept 2026, 08:00 UTC≈2,480 views34 reactionsread 7 November 2026
Video message

Video message, posted without a caption

😁23❤7🔥4

Signed Anya Podobrazhnykh

4 Aug 2026, 09:33 UTC≈3,350 views32 reactionsread 7 November 2026
Photo

Привет! Меня зовут Стас Трофимов, я отвечаю за рост сегментов среднего и крупного бизнеса в Т-Банке. В прошлый раз рассказывал про growth в среднем бизнесе. Сегодня — про крупный, или L-сегмент: группы компаний с годовым оборотом от 16 млрд рублей. Главное отличие growth в L-сегменте: продакт здесь почти никогда не растит клиента напрямую через продукт. Рост создают клиентские менеджеры и руководители продаж — это …

❤19👍7🔥6

Signed Александра

31 Jul 2026, 14:18 UTC≈2,770 views61 reactionsread 7 November 2026
Photo

Как мы развиваем добровольное страхование недвижимости в Т-Банке Привет! Я Гриша Гальперин, лид страховых продуктов для недвижимости в Т-Банке. Последние три года мы вместе с командой решаем непростую задачу: как сделать так, чтобы люди добровольно покупали страхование жилья. Ключевое слово здесь — добровольное. Банк не требует оформлять такую страховку: клиент сам решает, хочет ли он защитить квартиру, дом или имущ…

❤34🔥18🥰5👍2👏2

Signed Александра

28 Jul 2026, 14:25 UTC≈2,460 views32 reactionsread 7 November 2026
Photo

Как мы растим продукты для нерезидентов в Т-Банке Привет! Меня зовут Павел Нуждов. Я отвечаю за продукты для физических лиц-нерезидентов в Т-Банке. Нерезиденты — это иностранцы, которые живут, работают или ведут бизнес в России. Им нужны обычные банковские продукты: карта, приложение, переводы, поддержка, иногда кредит. Но пользоваться банком им сложнее, чем клиентам с паспортом РФ. Клиент может не говорить по-рус…

🔥14❤10👍8

Signed Антон Рерих

17 Jul 2026, 11:26 UTC≈2,810 views125 reactionsread 7 November 2026
Photo

Как устроен Центр исследований в Т-Банке Привет, я Лена Грецова, руководитель Центра исследований в Т-Банке. Сегодня расскажу про нашу команду и почему она именно такая - не из любви к сложным структурам, а потому что бизнесу нужны ответы высокого качества, и нужны они быстро. С чего всё начинается К нам редко приходят с простыми вопросами. Чаще вопрос звучит примерно так: «Как привлекать клиентов сегмента Х?» И на…

🔥63❤46🤣7😁7😢2

Signed Александра

25 Jun 2026, 08:51 UTC≈3,380 views60 reactionsread 7 November 2026
Photo

Сложное — просто Привет, меня зовут Алёна и я — продакт деривативов в Т-Инвестициях. Вы уже споткнулись о слово деривативы? Наши клиенты — тоже. Сегодня поговорим о том, как рассказывать о сложных продуктах, как делать их проще и возможно ли это. Правило первое: самому разобраться почему так сложно. Часто продукт усложняется искусственно. Просто "так исторически сложилось", что банки решили называть выплату проце…

❤37😁13🔥7💯2😢1

Signed Аня Подображных

18 Jun 2026, 13:31 UTC≈2,900 views26 reactionsread 7 November 2026
Photo

Как мы делаем рост в среднем бизнесе Т-Банка Привет! Меня зовут Стас Трофимов, я отвечаю за рост сегментов среднего и крупного бизнеса в Т-Банке. Сегодня — про средний бизнес, или М-сегмент: компании с оборотом от 120 млн до 16 млрд рублей в год. Это сложная середина B2B. Клиенты уже не такие массовые, как в малом бизнесе: чек выше, потребности сложнее, но и строить с ними enterprise-модель не всегда сходится по э…

❤26

Signed Александра

15 Jun 2026, 15:56 UTC≈2,360 views24 reactionsread 7 November 2026

Progressive Disclosure: покажи меньше — дай больше #винтикишпунтики Progressive disclosure — это понятие в UX, когда пользователь видит только то, что нужно прямо сейчас. Остальное раскрывается по мере необходимости. Звучит очевидно. Но большинство интерфейсов устроены наоборот — пытаются показать всё и сразу на первом экране. То, что попадает на главный экран, автоматически воспринимается как важное. Всё остальн…

❤15👍4🔥4⚡1

Signed Антон Рерих

10 Jun 2026, 17:43 UTC≈6,350 views31 reactionsread 7 November 2026
Photo

🍅 Save the date Кто был на наших конференциях, знает, что мы умеем делать круче и смелее. Два года назад мы выпустили фруктовый сад под руководством Гали на сцену. В прошлом году захватили целую парковку. В этот раз нам снова есть чем вас удивить! Приходите на Продукты 24 × ffdd2d, чтобы убедиться в этом лично и разорвать шаблоны вместе с нами. Переосмыслим подход к конференциям и расскажем, как мы устроены. 📅 5 …

❤13🔥9😍7👍2

Signed Аня Подображных

Showing the 12 most recent of 24 posts we hold for @karty_dengi_product. View and reaction counts are the latest single reading for each post, not a live figure, and a recent post is still accumulating both. A view count marked ≈ was rounded by Telegram before we ever saw it — t.me prints views in full below 1,000 and to three significant figures above, so ≈1,200,000 means somewhere between 1,150,000 and 1,249,999. Unmarked counts are exact. Text is reproduced from the public post preview and truncated for length.

Polls

The poll we hold for this entry, as Telegram rendered it when we read the post. A poll’s figures keep moving after that, so each one is dated.

10 Jun 2026, 16:08 UTCAnonymous Poll190 voters

Представьте, что вы идете на конференцию банка. Что на ней обязательно будет?

  1. Четкая организация39%
  2. Много реальных цифр и кейсов в докладах66%
  3. Инсайты из корпоративных процессов58%
  4. Серьезные спикеры — лидеры индустрии44%

The shares total 207%, above 100: this poll accepts more than one answer per voter. No per-option vote count is published, so the number of voters who chose each option is not derivable and is not shown.

Percentages only — there are no per-option vote counts here, because Telegram publishes none. The public post preview gives each option’s share and a single voter total, and nothing else. Multiplying one by the other would produce a per-option tally that looks measured and is not: the shares are rounded to whole numbers before we ever see them. We print what was published and leave the column that does not exist empty.

The shares need not add up to 100. Rounding alone puts many polls at 99 or 101. A poll that allows more than one answer per voter runs well past 100 by design, and several here do. The bars are drawn against a fixed 100% track at each option’s own percentage rather than normalised to the total, so a poll that exceeds it shows that it does instead of being quietly rescaled.

Read from the 24 most recent posts we hold, published 20 March 2026 to 3 November 2026. Telegram labels each poll by kind — an anonymous poll, a quiz, a closed set of final results — and that label is reproduced rather than paraphrased.

Forward network

Built only from forwarded posts we have actually read, on both sides. Coverage is early and deliberately incomplete: a missing link means we have not read the post that would prove it, never that the relationship does not exist. Counts are distinct forwarded posts observed, so they only ever go up as we read more.

Mentions

Named by 2 registered channels — every channel on the register whose own posts have named this one, by its current username or any other username it currently holds, merged from two separately captured readings of the same fact so a namer caught by only one of them is not missed and a namer both caught is not counted twice. A username this channel has since dropped is not matched — that handle may belong to someone else now, and crediting today’s namer to yesterday’s owner would misattribute it.

Named by

Channels on the register whose posts name this channel's handle.

A mention is a weaker signal than a forward and is counted separately for that reason — naming a channel is not republishing it, and a handle in a post body is easy to place deliberately. The post counts beside each row below are distinct posts in which the handle appeared, from posts we have read on both sides — the “Named by N registered channels” figure above is a different count, of distinct NAMING CHANNELS rather than posts, and is not the sum of the rows under it.

Appears in Telegram’s recommendations for other channels

The reverse of the list above, and a different kind of signal. This does not require this channel to have ever been asked about directly — each row below is a channel we DID ask Telegram about, whose Telegram-generated list happened to include this one. A channel can appear here with an empty list above it, because being named by someone else’s query is independent of having been queried itself.

No Flame No Game
@proproduct · 38,618
Telegram ranks this channel #59 of 96 here — alongside 95 others — read 31 August 2026
T-Crew
@t_crew · 43,576
Telegram ranks this channel #65 of 95 here — alongside 94 others — read 29 August 2026
Код Желтый
@kod_zheltyi · 33,557
Telegram ranks this channel #75 of 96 here — alongside 95 others — read 4 September 2026
GoPractice!
@gopractice · 29,394
Telegram ranks this channel #77 of 97 here — alongside 96 others — read 9 September 2026
Продакты не нужны
@betternotworse · 28,398
Telegram ranks this channel #92 of 96 here — alongside 95 others — read 9 September 2026

This channel appears in 5 seed channels' Telegram-generated recommendation lists in total. Each is Telegram’s list for THAT channel, not this one — see how this is measured.

Cite this entry

A live page changes as we take new readings, so a citation should name the measurement it is based on, not just the URL. The line below cites the subscriber count as measured 6 November 2026 — this entry's latest reading, not the date you are reading this.

“Карты, деньги и продукт” (@karty_dengi_product), 6,471 subscribers as measured 6 November 2026. Telegram Register, tgregister.com/channel/karty_dengi_product.

Full measurement history, CC BY 4.0. Every reading this register holds for this entry, not just the latest one, as a dated, downloadable record: CSV · JSON. Free to use with attribution to tgregister.com. Each file carries its own generation timestamp, which is the figure to cite for exactly when the data was retrieved.