Branchless banking solution made simple
Expanding traditional banking infrastructure is costly and slow. With DigiPay.Guru’s agency banking solution, scale efficiently by turning local shops into banking agents. Offer seamless transactions, customer onboarding, and financial services via a secure and cost-effective solution.
- Lower acquisition costs compared to physical branches
- Drive cross-selling of banking & financial products
- Higher transaction volumes and repeat usage
- Boost customer retention and loyalty
TAP INTO THE UNBANKED MARKET
Your market is bigger than you think, and still untapped
These numbers expose a massive service gap and a business opportunity your bank can’t afford to ignore any longer.
1.4 bn
global adults remain unbanked
350 mn
African adults remain unbanked
Only 33%
Adults in Sub-Saharan Africa have a mobile money account
Drive growth, inclusion, and profitability — all at once
Boost financial inclusion
DigiPay.Guru’s agency banking solution rapidly extends your reach into underserved communities and remote rural areas without traditional branches. By empowering local agents, you turn unbanked populations into new customers. This drives financial inclusion and strengthens your brand’s presence.
- Expand your reach without building branches
- Turn unbanked populations into new customers
- Meet financial inclusion targets & regulatory needs
Enhance customer experience
Our solution brings your services to remote areas through local agents. This eliminates wait times and adds a human touch. Plus, it boosts satisfaction, trust, and retention while deepening customer relationships and increasing engagement.
- Easy access to banking services anywhere
- Faster, more personal service via local agents
- Higher customer satisfaction and loyalty
Reduce operational costs & boost revenues
DigiPay.Guru’s agency banking model cuts costs by replacing branches with local agents. No infrastructure or staffing needed. Plus, it boosts profit margins, reduces expenses, and improves your cost-to-income ratio while accelerating revenue growth.
- Lower infrastructure and overhead costs
- Performance-based agent commissions
- Lean operations boost profit margins
Increase revenue streams for your bank & agents
DigiPay.Guru’s agency banking multiplies revenue for you and your agents. It means with every transaction, agents earn commission, you charge fees, expand your market, and boost agent income. This creates a win-win model that drives sustainable and scalable growth.
- Yield new fee and interest income
- Offer additional products via agents
- Commission incentives to keep agents motivated
All your banking services—delivered through agents
Account opening
Customer onboarding
KYC management
Cash-in/cash-out
Own account transfers
Bank-to-bank transfers
Third-party wallet transfers
Top-ups (airtime, digital TV, & more)
Bill payments (utility, power, tax, etc)
Mini statements
Balance inquiry
Cheque book requests
Best standard we follow
We follow only the best practices to cater to the biggest tier 1 and tier 2 banks with our reliable agency banking solution.
Simplified agent hierarchy management
Take your banking services to your customer's doorstep by converting local shops into agency banking centers. Engage our reliable agency banking solution with your bank to simplify agent hierarchy management. You can manage a successful agent network, expand your customer base in rural areas, onboard new agents easily, and more.
- Offer unlimited agent hierarchies
- Reduce acquisition cost
- Scale your network quickly
- Easily maintain float and liquidity
Business rule engine
Empowering banks to make accurate yet faster decisions with our smart business rule engine that are dynamic and not static. Easily execute one or more business rules in runtime and enable profiling and segmenting of customers for banking products. Get agility to keep up with the evolving regulations and changing market conditions.
- Transaction Rules
- Compliance Rules
- Service accessibility rules
- Notification rules
Why top banks and fintechs trust DigiPay.Guru
White-labeled and customizable
YLaunch under your own brand, tailor functionality to your market, and create a differentiated, customer-first banking experience at scale.
Multi-currency & multi-tenant
Serve diverse markets with ease. Manage multiple currencies and operations while maintaining centralized control and operational efficiency.
Lightning-fast integrations
Seamlessly connect with third-party platforms to accelerate service expansion, enhance capabilities, and stay competitive in dynamic markets.
Ready to launch
Go live quickly with a fully built, market-ready solution. And cut down time-to-market while unlocking revenue opportunities from day one.
Microservices-based architecture
Gain agility and scale faster. Our modular architecture ensures resilience, faster updates, and easier maintenance with minimal disruption.
Agile service deployment
Test, iterate, and roll out new services quickly, thereby empowering innovation while reducing time-to-market risks and delays.
Explore the latest features of our agency banking solution
Customizable agent commission
Set flexible, performance-based commission structures for your agents. Motivate performance, control costs, reduce payout inefficiencies, and ensure your incentives align perfectly with your strategic goals.
Learn more
Agent cash in/cash out
Enable secure, real-time deposit and withdrawal services through agents. And make everyday banking accessible anywhere, anytime to your customers in underserved or remote areas.
Learn moreReady to reach the unbanked and unlock new revenue streams?
Launch your agent network faster, at lower cost, and scale profitably without the burden of setting up branches.
Schedule a Strategy CallFrequently asked questions
Look through your eyes of insight to our insightful thoughts
DigiPay.Guru is born to simplify financial transactions. We love discussing the latest finTech solutions. We write regular blogs where we cover insightful topics with our insightful thoughts to cater you with imperative informations.
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2019
Founded in
120+
In-house Tech experts
15+
Country served
100k+
Customers Achieved by our clients
10+
Paytech leader partnerships
8+
Fintech Platforms Introduced