MobiFin Agency Banking
Strengthen last-mile banking foundations.
Turn local shops into compliant, AI-enabled banking access points. Full-service financial access, intelligent liquidity management, and operational control across every agent in your network.
The challenge
Scaling agency banking is an operational problem, not a coverage problem.
Most deployments start strong and stall at scale. The bottlenecks are operational: liquidity runs out, experience fragments, oversight gaps create leakage, and agents lose motivation when the economics don’t work.
Disrupt transactions, reduce agent reliability, and cut productivity.
Siloed systems and manual processes cause errors and increase risk.
Slow KYC, poor uptime, device limitations, and reconciliation failures hurt user satisfaction and operational accuracy.
High operational costs, thin margins, and no structured view of agent performance erode motivation and make underperformers invisible.
Agent fraud, cash misuse, ghost accounts, and weak audit trails erode trust.
Low digital literacy, device shortages, and patchy internet slow onboarding.
The most common reason agents go offline is liquidity.
MobiFin predicts it before it happens.
The platform
Six stages of agency banking. One platform built to run them all.
Agency banking follows a predictable lifecycle from agent onboarding through daily operations to performance optimisation. MobiFin provides the intelligence and governance at each stage.
Stage 01
Onboard agents and customers
AI-powered self-service onboarding for agents and assisted onboarding for outlet operators and customers. Branch-assisted onboarding for agents in the field. Configurable journeys with compliance baked in.
- Multi-country ID OCR with automated data extraction and KYC auto-fill
- Biometric face match with liveness check and deepfake detection
- Document authenticity verification to prevent fraud
- Branch-assisted and self-service onboarding paths for agents
- Maker-checker approval workflows for compliance review
- Agent-assisted customer onboarding with OTP/eKYC verification through CBS
Stage 02
Equip agents with full-service banking
A comprehensive catalogue of financial and non-financial services delivered to communities via mobile app, web portal, purpose-built POS, or USSD.
- Cash deposit/withdrawal, fixed deposits, loan applications, micro-credit
- P2P transfers, domestic and international remittances, collections
- Bill payments, airtime top-up, insurance, government services
- Purpose-built POS with biometric auth, geofencing, QR, Chip and PIN, instant receipts
AI-powered
Stage 03
Keep liquidity flowing with predictive intelligence
The most common reason agents go offline is liquidity. MobiFin’s AI engine predicts cash and float requirements before shortages happen.
- Daily, weekly, and monthly forecasts for float, account balance, and cash-in-hand
- Multi-variable inputs: past transactions, location demographics, seasonal usage, weather
- Low balance alerts with instant top-up via bank accounts, cards, or reward points
- Regression analysis with continuous optimisation for prediction accuracy
- Graphical visualisation with trends, forecasts, and actionable insights
Stage 04
Manage the network at scale
NxM agent network management with the governance controls required to operate thousands of agents across regions and hierarchies.
- Multi-level hierarchies: super agents, agents, outlets, operators, staff
- Maker-checker workflows for operational accuracy and compliance
- Flexible transaction limits and access controls per agent type, role, and channel
- Commission, reward, fee, and tax configuration
- Unified dashboards with real-time network visibility
Stage 05
Drive performance with structured targets
Built-in target management that aligns every level of the network with business goals and keeps agents motivated through transparent tracking and tiered incentives.
- Target KPIs on onboarding counts and transaction value with live dashboards
- Parent-to-child target distribution across the hierarchy
- Recurring target cycles: monthly, quarterly, or yearly
- Service-specific targets for selected transaction types
- Structured incentive control with tiered rewards
Stage 06
Sustain operations with advanced float tools
Keep agents operational with real-time liquidity tools, offline resilience, and continuity infrastructure. Even when the network drops, your service doesn’t.
- Real-time float monitoring across the network
- Structured overdrafts for qualified agents during high-demand periods
- Instant agent-to-agent transfers to rebalance liquidity
- Hold and release float funds for controlled disbursement
- Hold and release float funds for controlled disbursement
- Offline transaction processing with secure local storage and auto-sync on reconnection
Operational control
Configure, monitor, and govern day-to-day agent operations.
Control which services are available at every level of the
agent hierarchy, by agent type, role, and region. Multi-currency operations run on
dedicated currency-specific accounts with per-currency product configuration,
settlement, and compliance controls.
Live agent performance dashboards, transaction and
POS reports, complete audit logs, and operational reports on onboarding and
internal KPIs.
SMS, email, and push notifications with
configurable schedulers for automated operations. Bulk payments run as a
separate transaction capability.
Profile and access management, detailed
transaction history, commission tracking and processing, automated settlements
and reconciliation.
Ticket management for agent service issues, feedback
and complaint tracking.
Service catalogue
One stop for last-mile banking.
Account services
Account opening (KYC/eKYC) and closure Balance enquiry and mini statement Account statement Cheque book request Card management and PIN reset
Core transactions
Cash deposit and withdrawal Fixed and recurring deposits Loan application and repayments Micro-credit and overdraft
Payments and transfers
P2P and interbank transfers Domestic remittances International remittances Collections (loan, merchant, utility)
Value-added services
Bill payments and top-up Insurance and mutual funds Government services Subsidies, welfare, pensions
What differentiates MobiFin?
AI predicts float shortages days in advance and prompts agents to top up before transactions fail.
Agents process transactions offline, store data locally, and auto-sync when the network returns.
Structured KPI targets, recurring cycles, and tiered incentives keep every level of the network accountable.
33,000+ agents on one deployment. 14 million transactions on another. Production-proven at scale.
TPS capacity
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Countries served
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SLA uptime
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Best Agency Banking Solution Provider
Connected Banking Ethiopia, 2024
Success stories
Tanzania
Scaling to 33,000+ agents
One of Tanzania’s largest banks (250+ branches, 550+ ATMs) chose MobiFin for its architecture, configurability, and security. Agents facilitate transactions via cards, accounts, tokens, USSD, and cash with simplified hierarchy management and float controls.
33,000+
agents with 24/7 availability
Uganda
Cloud-first, scaled in 6 months
A bank with 60+ branches deployed MobiFin on AWS Cloud to bridge the inclusion gap for 30% unbanked customers. Smart onboarding, configurable commissions, automated float, and compliance checks enabled rapid scale.
14M+ transactions
UGX 3.9 trillion processed
Architecture
Built on modern technology foundations.
Headless, BFF
Cloud-native, cloud-neutral
API-first
Microservices-driven
Multi-tenant
End-to-end DevOps
Configurable and localizable
Secure by design
Security and compliance
Secure by design. Every agent, transaction, and device.
AI-powered fraud defense in onboarding
Biometric, PIN, and MFA authentication
Role-based access controls
Device control with geofencing
Blacklist and AML checks
Maker-checker-approver workflows
Security and audit logs
Real-time commission clawback
FAQs
Common questions, answered.
An AI-enabled agency banking platform that transforms local shops into compliant banking access points with a comprehensive service catalogue, intelligent liquidity management, NxM agent network governance, and multi-layered security.
Float is managed within the MobiFin system with real-time monitoring, structured overdrafts, agent-to-agent transfers, pooled float access, and AI-powered liquidity prediction that forecasts daily, weekly, and monthly requirements.
Yes. NxM agent network management supports multi-level hierarchies, maker-checker workflows, flexible transaction limits, role-based access, and configurable commission, reward, fee, and tax structures.
Yes. The platform is core-agnostic and integrates with any CBS through POS SDK, payment switch, QR, USSD, payment gateway, and aggregators with flexible multi-protocol support.
Yes. Transactions are stored securely locally and auto-synced and reconciled once connectivity is restored. The platform is designed for low-connectivity and no-connectivity environments.
Mobile app (iOS/Android), web portal, POS/KIOSK, USSD, SMS, and email. Purpose-built POS devices support card, cardless, and cash transactions with biometric authentication and geofencing.
Multi-layered security including AI-powered fraud defense, biometric and MFA authentication, role-based access, device control with geofencing, blacklist and AML checks, maker-checker-approver workflows, and real-time commission clawback on invalid transactions.
MobiFin's Digital Wallet, Digital Banking, SuperApp Framework, Core Banking, and Digital Lending products all run on the same platform and share infrastructure. Banks can expand from agency banking into adjacent digital channels without switching vendors.
Ready to embrace the next era of agency banking?