Branchless banking made simple

Provide banking services anywhere to your banked and unbanked customers and extend your banking network with our reliable and cost-effective agent banking solution.

  • Low acquisition cost
  • Upsell other banking products
  • Amplify number of transactions
  • Increased customer stickiness

Everything your bank can do

Get a plethora of benefits for your bank and provide the best branchless banking services.


Boost financial inclusion

Extend your services to far and remote rural geographical areas with very little to no banking availability and be one of the earliest ones to boost financial inclusion there. Also, provide banking to not just banked, but also to unbanked and unregistered customers.

  • Ability to reach smallest and remotest rural areas
  • Delivers financial services to even unbanked customers

Enhance your customers’ experience

Provide your customers, even the ones living in the farthest of locations with easy accessibility to all of your banking services. Also, the customers who are nearby but do not have the time and means to visit the local branch can avail of your services.

  • Ability to easily access all services
  • More flexibility and convenience for existing customers

Reduce your operational costs & boost your revenues

Your business revenues will increase with the reduction in operational costs due to branchless banking and more customer intake. Along with that, save costs of new branches with agency banking and instead, create a strong network of agents.

  • Branchless banking
  • Performance-based commission for agents

Increase revenue streams for banks & agents

An expanding customer base means an increase in the number of revenue streams for your bank. Agents also get more opportunities for earning income with the expansion in different locations due to branchless banking services to everyone, everywhere.

  • Expand customer base
  • Create more opportunities for agents

Key use cases for your banking services


Opening an account

  • Customer onboarding
  • KYC management

Cash services

  • Cash deposit
  • Cash withdrawal

Transfer funds

  • To own account
  • To another bank account
  • To third party wallet


  • Balance inquiry
  • Mini statement
  • Cheque book request
  • Statement request


  • Airtime top-up
  • Digital TV top-up
  • Stored value card top-up
  • Prepaid electricity

Bill payments

  • Power bill payment
  • Tax payment
  • Gas bill
  • Mobile postpaid
Section Background Pattren

High-level architecture to encourage financial inclusion

Our adaptable digital payment platform is sculpted with the ambition of increasing financial inclusion & boosting economic development by empowering Banks, FinTech companies, and financial services providers with our agency banking solutions.

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

Benefits your business will secure with Our solution

Our solution offers optimistic benefits to your bank due to its advanced modules created with all the latest technologies for you to provide the best banking experience.

White-labelling & customization

Rebrand, custom - add or remove features you want as per your business need and sell your services in your name.

Multi-currency & multi-tenant

You can increase financial inclusion by trading in multi-currencies and operating multiple environments.

Exemplary integrations (APIs)

You can easily integrate 3rd party vendor platforms into our solution to enhance your business performance and offerings.

Faster time to market

Our product is equipped and ready to launch. You can leverage the market demand right after the installation.

Micro service based architecture

You can get greater business agility, improved scalability & operational efficiency, and easily maintain the solution even if something goes wrong.

Launch and optimize new services

You can optimize the new services as per your business needs and launch a final product that you think will deliver results.

DigiPay.Guru’s success over the years

Over the years, DigiPay.Guru has successfully delivered several customized and top-notch digital wallet solutions for its clients. You can get a glimpse of a few of those works here.


FinTechUnder NDA

Successful implementation of a next-gen mobile money solution for a Gambian client

CASHUP is a FinTech Company based in Gambia. The app aims to enhance customers' lives by making payments easily accessible in Gambia. They wanted to create a mobile money solution…

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FinTechUnder NDA

DigiPay.Guru created a smart cum reliable digital wallet for its Haiti-based client.

NatPay is a FinTech startup based in Haiti. It has its sister company with the name BOSOU aiming to offer mobile payment solutions to its county’s citizens. The app aims to boost…

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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.