Case Studies
Agency Banking Solution
Accessible banking
for the underbanked
Enhance financial access and connect communities via agents.
Primary Features
Revolutionize your banking services beyond branches with our agency banking solution
Wide catalog of agent-assisted services
Facilitates agents and outlet operators to offer customers core services like cash deposits, cash withdrawal, card management, loans, and remittance. Also, extends diverse revenue-added-services like top-up, bill payment, insurance, and more. Expands customer access to essential and value-added services, deepening financial inclusion and enhancing loyalty. Also creates additional revenue streams for agents and banks.
AI-powered digital onboarding kit
Leverages OCR, liveness, Deepfake detection, eKYC, sanction screening, and AML checks to drive bank-assisted or self-service onboarding for agents and outlet operators. Enables agent-assisted onboarding for customers. Enhances customer trust through secure, compliant onboarding, minimizes fraud risk, and accelerates account opening. Broadens financial access for unbanked and underbanked populations.
NxM agent network management
Builds and scales high-performing agent networks with configurable controls for hierarchies, limits, access, commissions, maker-checker workflows, and reporting. Expands agent network, improves oversight, boosts productivity, and ensures compliance. Maximizes efficiency through optimized performance and transparent operations.
AI-enabled liquidity prediction
Balances account/float and cash for upcoming daily, weekly, and monthly requirements. Prevents declined transactions with AI-enabled liquidity predictions. Assures service reliability by preventing cash shortages and improving customer satisfaction. Reduces downtime and strengthens agent trust by providing timely and sufficient funds.
Target and performance management
Sets targets for parent/child agent entities and outlet operators based on user onboarding or transaction amounts, with live performance dashboards for progress tracking. Drives structured incentive control and tiered rewards with fixed or percentage commissions. Motivates agents with clear targets and boosts productivity through transparent performance monitoring. Increases engagement via structured incentives and tiered rewards.
Advanced liquidity tools
Offers real-time float monitoring, structured overdrafts, agent-to-agent transfers, and pooled float access. Ensures uninterrupted services with always-available cash management. Guarantees uninterrupted transactions, strengthens agent confidence, and improves customer trust. Optimizes working capital through smarter and flexible liquidity management capabilities.
More Features
Seamless financial services for every
community
Biometric authentication
Delivers faster, seamless customer verification at the POS with fingerprint and facial recognition, improving trust and experience.
POS services
Empowers agents with card-based transactions and payments using purpose-built Point of Sale terminals for versatile capabilities.
Security and compliance
Offers role-based access, encryption, MFA, biometrics, AI-driven fraud defense, and geo-tagged device controls for safety and compliance.
Core-agnostic capabilities
Works independently yet integrates seamlessly with existing core systems, with minimal customization for faster time to market.
Multi-currency/ multi-language
Serves diverse customer bases in different regions and native languages with flexibility, inclusivity, and global reach.
Multi-tenancy advantages
Supports multiple banks on a single platform with siloed, secure, compliant data for efficiency, privacy, and scalability.
Frequently asked questions
Will the management of agent float be handled within the MobiFin agency banking (E-money) system or core banking system?
Agent float management and its real time settlement will be primarily handled within the MobiFin Agency Banking (E-money) system, ensuring efficient and secure control over agent funds.
Does your platform support agent onboarding, agent hierarchy management, and a diverse range of financial and non-financial services?
Yes, our platform fully supports agent onboarding, agent hierarchy management, and a diverse range of financial and non-financial services as listed in the next FAQ answer.
What are the agency banking services offered by MobiFin?
MobiFin offers a range of banking services, including
- Bank deposits and withdrawals
- Top-up, Bill and loan repayments
- Electronic fund transfers
- Account balance inquiries
- KYC and other document collection on behalf of service provider
- Agent assisted customer onboarding
Can MobiFin be customized to match our specific brand image and preferences?
Yes, as a white labelled platform we offer a high degree of flexibility, allowing you to tailor the look and feel, branding elements, and user-friendly interface to align seamlessly with your existing brand identity.
What are your capabilities in terms of fees, revenue, and limit policy?
Our platform offers flexible capabilities for managing fees, revenue, and limit policies, which includes the ability to configure real-time or deferred weekly/ monthly commission payouts.
How does MobiFin ensure security in agency banking transactions?
MobiFin employs robust security measures to protect agency banking transactions. These include strong user authentication, role-based access control, data encryption at rest and in transit, and adherence to industry security standards
Can your platform integrate with our existing systems and infrastructure?
Yes, our platform offers flexible integration capabilities that allow for seamless integration with various third-party services, including banking ecosystems, top-up providers, and bill payment systems within your system and infrastructure.
Can your platform effectively handle increased transaction volumes and business growth?
MobiFin’s flexible, modular, and scalable micro-service architecture ensures high availability, performance, and scalability to handle your growing business needs.
How does MobiFin help me track agents' performance and transactions?
MobiFin offers a comprehensive suite of reporting and analytics tools, that are easily accessible through mobile application. These provides valuable insights into your agents’ activities and performance.
What regulatory requirements does your agency banking platform comply with?
Our agency banking platform ensures compliance with international regulatory requirements such as ISO 27001 and NIST. In addition, we are also able to comply with regional and local regulatory requirements. For example, CRDB Bank Plc, an African bank and the leading financial services provider in Tanzania, uses our agency banking platform, which meets all local regulatory requirements.
