Digital Banking.
overview
An open banking toolset for progressive banks and financial service providers.
Solve your bank’s digitalisation challenges and get to market quickly. Offer MSME’s and new customers better user experiences through our modular architecture, simple API integrations and easily customisable interface.
White-label apps
Premium payment, merchant, and wallet applications, with a skinnable framework to front your digital bank offering.
High throughput and real-time agility
We provide our secure high-throughput real-time e-money platforms direct to banks that are struggling to meet market demands with core banking systems.
Low-touch open banking approach
Low-touch integration to core banking for settlement and other services that conforms to secure standards such as ISO-8583, E2E encryption, and restful HTTPS API’s provides digital teams with the confidence and freedom to move quickly and innovate.
Multi-account platform
Supports definition of multiple account types per user, such as everyday accounts, savings, and loan accounts. Additional supports multiple users per account such as family and joint accounts.
E-money Wallet
Our skinnable e-money wallet framework enables banks and financial service providers to quickly deploy an app – and other channels – in the market, giving a new mass market of users easy access to everyday use cases.
eKYC
Capture customer details and validate against central ID DB’s if necessary. Up to 4 photos to confirm identity: profile, ID, holding ID, holding ID in front of store (for merchants). KYC information tiers classify feature, function, account and transfer limits.
AI assistance
A banking platform that can learn your customer’s behaviours, knows their goals and makes recommendations to introduce new services and increase their financial wellbeing.
Credit Assessment
Combine new e-money wallet data and standard assessment rules to establish credit scores for merchants and consumers where is wasn’t previously available. Enrich scoring with alternative data sources from partner solutions.
P2P Transfers
Real-time wallet-to-wallet money transfer and settlement via app, feature phone, or over the counter with an agent. Supports transfers to offnet users via messages to register for receipt of funds.
Mobile Banking
Review transactions, transfer funds between e-money accounts and to/from e-money accounts to bank accounts, send money to other users, and apply for financial services.
Agent Banking
Offer lightweight digital banking services in the field with an agent app that enable users to securely register for services in real-time, deposit and withdrawal funds, and pay bills and airtime top ups.
Online Banking
Skinnable web application framework for users to view their accounts, transfer funds between accounts or to other users, and apply for financial services such as loans and savings accounts.
Merchant Payments
Pay securely and easily in store with an e-money wallet via QR codes, NFC companion cards or phone number, creating an everyday use case and increased e-money usage.
Mobile Utility Payments
Make utility bill payments, insurance payments, subscription payments, and topup airtime/data via app, online, and other channels.
Disbursements
Enable enterprises and NGOs to distribute subsidies and salaries direct to e-money wallets. Reduce misuse of funds by cultivating a network of approved merchants and sellers and limits on end-user accounts.
Our banking products
WHAT IS:
A DIGITAL BANK
When a challenger bank sets out to build a new bank, does it start with a traditional Core Banking System, or does it start with a Digital Wallet?
Digital Banking and Open Banking are transforming traditional banking. Challenger banks are launching globally with nothing more than a Digital Wallet and a marketing campaign. Where does this leave the traditional banks.
