Agency Banking Branchless

Branchless banking made simple

Extend your banking network and increase financial inclusion by providing branchless banking services to all banked as well as unbanked populations through our agency banking solution.

  • Increase financial inclusion
  • Boost economic development
  • Create social stability
  • Alleviate poverty

Everything your bank can do

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

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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
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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
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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
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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

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Opening an account

  • Customer onboarding
  • KYC management
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Cash services

  • Cash deposit
  • Cash withdrawal
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Transfer funds

  • To own account
  • To another bank account
  • To third party wallet
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Add-ons

  • Balance inquiry
  • Mini statement
  • Cheque book request
  • Statement request
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Top-up

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

  • Power bill payment
  • Tax payment
  • Gas bill
  • Mobile postpaid

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.

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Multiple Access Channels to reduce your operational costs

You can extend your banking network by employing agents to offer banking services to banked and unbanked customers with our branchless banking feature. It empowers you to get access to local entities and unbanked customers in rural areas, increase your business and reach wider audience with ease.

Web

Mobile App

USSD

POS

QR Code

Finger Print

SMS

NFC

User & user data protection policy

For ensuring the safety and security of users and their data, we comply with a set of rules and guidelines.

Data security

Our solution is architectured to record and track each transaction for complete transparency. All data is kept secured with encryption and high-tech security to prevent unauthorized access to the system.

Anti-money laundering

We follow a set of anti-money laundering compliances and regulations that are followed by all financial and fintech institutions for detecting and preventing money laundering or terrorist funding activities.

PCI SSF compliant

To protect the integrity of the software and the confidentiality of the sensitive information and user data that our solution captures, stores, processes, and transmits, we comply with PCI SSF - S3.

Scalability for your bank

You get a secure solution with a scalable architecture that can be customized and deployed based on your requirements.

Scalability for your bank
1

Microservice architecture

Our solution divides applications to run on their own with continuous and faster improvement. Due to this, faults and errors can be isolated without hindering the development and the working of the system resulting in reduced downtime and easy maintenance.

2

Implementation

For improving the effectiveness and efficiency of our software development team, we follow the agile methodology. It is an iterative process for project management as well as software development. It helps in the faster development and implementation of our services.

3

Deployment

Our solutions are custom-built based on all the needs listed down by the client. It also complies with all the rules and regulations set by the country. Our deployment is on cloud or on-premise and we also take a hybrid approach depending on the requirement.

Advanced tech modules for your bank

Our solution comes with advanced modules created with all the latest technologies for you to provide the best banking experience.

White labeling & Customization

You can rebrand our solution by labeling your logo and make changes in features and UI as per your business need.

Multi-currency & Multi-tenant

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

Exemplary Integrations (APIs)

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

Faster Deployment

Our core solution is equipped. You can launch the product to the market right after the rebranding and installation.

Lower TCO

We leverage cloud deployment & micro-service architecture to ensure your financial savings and reduce the cost of ownership.

Secure Platform

You will get an absolute secure platform that is PCI SSF compliant. It ensures users' sensitive data protection & safety.

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.

digiPay-helps-its-client

FinTechUnder NDA

Digipay.guru has provided a dynamic e-wallet feature solution to its South African client

Coincidently, our client has the same name as ours. The only similarity that he lacks in the name is “.guru”. Our client “DigiPay” is a leading e-wallet service provider in South Africa Ivory Coast backed by Digital Afrique Telecom (DAT).

Country
ZASouth Africa
Solution
e-Wallet
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digiPay-creates-a-user-friendly

FinTechUnder NDA

DigiPay.guru provides a feature-rich digital wallet solution to its Bahamas-based client

Alliance Mobile Solutions is a FinTech startup based in the Bahamas. It aims to offer utmost ease and convenience in person-to-person transfer, bill payments, and merchant payment services via a robust mobile wallet solution.

Country
BSBahamas
Solution
e-Wallet
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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.

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