MobiFin for Banks

Reach further. Engage deeper. Move faster.

Built for banks that want to move at the speed of their customers, without compromising on governance, compliance, or operational stability.

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The reality banks face

Your customers expect everything. Your systems weren't built for any of it.

Digital onboarding, instant payments, embedded financial services, seamless mobile experiences — the expectations are set by platforms that don’t carry your regulatory weight.

Every new digital service introduces new operational complexity: another system to manage, another layer of transaction logic, another compliance surface to govern.

The challenge isn’t just launching new services.
It’s reaching further, engaging deeper, and doing both without the operational risk.

01
Too many vendors, too little control
Fragmented systems result in compliance gaps, integration overhead, and no single source of truth for transactions.
02
New products take months, not weeks
Legacy dependencies turn six-week roadmap items into six-month projects, while challengers race ahead in the gap.
03
Digital adoption stalls after login
Customers check their balance. Then they go somewhere else for loans, payments, and savings. Without personalization, engagement doesn’t scale.
04
Agent economics are hard to justify
Agent networks only work if float management, commission automation, and compliance oversight work at scale. Most don't.
How modern banking operates

Every bank is at a different point. The direction is the same.

Some banks are running legacy infrastructure and expanding cautiously around it. Some are launching new products without touching the core. Some are replacing systems. Some are building from scratch. The right platform works across all of them and stays consistent underneath, whichever direction you move.

Situation 01
Running on an established core
Your core is stable, but increasingly difficult to build new services on top of. MobiFin adds digital banking, lending, wallets, and agent networks via its enterprise integration layer without disrupting what's running. And with Tapestry, you can compose and launch new products directly on your existing infrastructure.
Extend without disruption
Situation 02
Launching new products on a fast track
You want to move quickly onto a new product, such as digital MSME lending, an e-wallet, or an agent network app, without touching the main core. MobiFin runs it as a contained, production-ready service on a parallel track. With Tapestry, you can go even faster by composing new journeys and workflows directly in your existing systems, without an integration project.
Independent. Fast. Scalable. Composable
Situation 03
Modernising progressively
You're replacing systems in phases lending first, then deposits, then channels. MobiFin's modular architecture allows each component to be deployed independently. Tapestry bridges the gap by letting you compose new financial products on top of whatever is already in place, without waiting for the next phase to complete.
Module by module, on your timeline
Situation 04
Building a digital bank from the ground up
No legacy infrastructure. No migration constraints. MobiFin provides the complete digital platform — digital banking, wallets, agency banking, core banking and lending— purpose- built for production volumes, compliant from day one. Tapestry becomes the ongoing innovation engine, continuously launching new products on the platform as it evolves.
Full platform, greenfield
MobiFin Classic

Everything you need to run banking, from the app to the agent.

A suite of market leading solutions, compliance-
ready, independently deployable and proven across 25+ markets, running at banks
and FinTechs globally.

Digital Wallet

Manage value, payments, remittances, and ecosystem transactions across users and channels — all from one platform.

Agency Banking

Design and scale agent networks with centralized float management, liquidity prediction, and full operational oversight.

Digital Banking

Reimagine digital engagement with omnichannel, context-aware and hyper-personalised banking interactions across every touchpoint.

MobiFin Engage

A dedicated layer to design, personalize, and continuously optimize every customer interaction, across every channel, without touching backend systems.

SuperApp Framework

Unlock possibilities to become digital ecosystems, embedding financial services alongside lifestyle, commerce, and partner offerings in one unified experience.”

Digital Lending

Deliver frictionless loan journeys by transforming end-to-end lending operations across origination and lifecycle management.

Core Banking
Comprehensive banking capabilities across retail, corporate, trade finance, treasury, and compliance on a unified platform.
MobiFin Tapestry

Compose new banking products in days, not months.

Not every new product needs a full system deployment. Tapestry is MobiFin’s composable product assembly layer, which lets banks assemble new financial services from proven, governed capabilities without replacing or disrupting live infrastructure. While Classic deploys complete production-ready systems, Tapestry lets you innovate at the edges of what’s already running, on top of MobiFin or any other infrastructure you already have.

USE CASES FOR BANKS

Digital Onboarding & eKYC
Merchant Payment Aggregation
SME Credit Orchestration
Corporate Payment Approval
Merchant Settlement
01
Describe

Define the product in plain language. Tapestry’s AI suggests the right building blocks and templates.

02
Compose
Configure financial behaviours, rules, integrations, and decision points into a governed workflow.
03
Publish

Test, deploy, and expose as a secure, reusable API. Auditable and production ready.

Why MobiFin

Agility. Resilience. Scale. All built in.

Core-agnostic by design
Connects to Temenos, Finacle, FLEXcube, or any proprietary core via the Enterprise Integration Layer.
Enterprise-grade security
PCI-SSF certified. ECC-256 encryption. MFA and biometric authentication across every channel.
Cloud-native, cloud-neutral
Route, settle, and integrate across partner networks using high-throughput processing and centralized monitoring.
25+ market regulatory profiles
KYC tiers, transaction limits, reporting formats, and audit trails — pre-configured for every market we operate in.
True microservices architecture
Deploy only what you need. Scale only what grows. No monolith, no forced bundling.
99.9% uptime SLA
Production-grade reliability backed by a contractual SLA — across every deployment, every market.
1,500+ TPS throughput
Built to handle peak transaction volumes at scale — without performance degradation or architectural compromise.
Core-agnostic by design

Connects to Temenos, Finacle, FLEXcube, or any proprietary core via the Enterprise Integration Layer.

EIL
Enterprise-grade security

PCI-SSF certified. ECC-256 encryption. MFA and biometric authentication across every channel.

PCI-SSF CERTIFIED
Cloud-native, any infrastructure

Route, settle, and integrate across partner networks using high-throughput processing and centralized monitoring.

CLOUD-NATIVE
6–12 weeks to go-live

Digital Wallet deployments are live in 6–12 weeks from scoping. Agency Banking comparable.

PROVEN DELIVERY
20+ market regulatory profiles

KYC tiers, transaction limits, reporting formats, and audit trails — pre-configured for every market we operate in.

20+ MARKETS
True microservices architecture

Deploy only what you need. Scale only what grows. No monolith, no forced bundling.

MICROSERVICES
99.9% uptime SLA

Production-grade reliability backed by a contractual SLA — across every deployment, every market.

SLA-BACKED
1,500+ TPS throughput

Built to handle peak transaction volumes at scale — without performance degradation or architectural compromise.

HIGH THROUGHPUT
MobiFin — What it looks like when it works at scale
Success Stories

What it looks like
when it works at scale.

DIGITAL BANKING · BANGLADESH
City Bank
One of Bangladesh's leading commercial banks
City Bank's legacy digital platforms couldn't serve the full breadth of its customer base — retail, Islamic banking, and credit card holders were all on separate systems with no unified experience. MobiFin delivered Citytouch: a single omnichannel platform unifying all three, with dynamic biller integration and adaptive web routing built in. Within 12 months, transaction volumes across fund and MFS transfers grew by over 110%. Citytouch is now the number one banking app in Bangladesh.
110%+
Growth in fund & MFS transfer volume in year one
$30Mn+
Worth of daily transactions processed
#1
Banking app in Bangladesh
AGENCY BANKING · EAST AFRICA
Leading Commercial Bank, Tanzania
One of Tanzania's largest commercial banks
With 79% of Tanzania's population unbanked or underserved, the bank needed to scale its physical distribution far beyond what its branch network could reach. MobiFin's Agency Banking platform enabled a rapid expansion of Wakala agents — growing the network from 12,000 to 40,000 agents — positioning the bank to serve the country's vast unbanked population across the Eastern African region. Transaction volume crossed 80 million, establishing the bank as a dominant force in last-mile financial access.
40,000
Wakala agents, up from 12,000
80Mn+
Transactions processed
79%
Of population now within reach
AGENCY BANKING · UGANDA
Leading Financial Institution, Uganda
Advanced agency banking platform deployment
MobiFin enabled the bank to rapidly scale its agency banking footprint across Uganda, driving significantly higher agent engagement and transaction throughput — migrating over 5,000 agents onto the platform and reaching UGX 1.3 trillion in transaction value.
UGX 3.7T+
Transaction value processed
14,00,000+
Transactions processed
45,000+
Agents migrated to platform
The platform

What runs beneath Wallet, Agency Banking, and Tapestry.

MobiFin’s core platform products — Digital Wallet, Agency Banking, and Tapestry — are built on a shared infrastructure foundation. Axis handles transaction execution. Engage handles the experience layer. Together they ensure consistent governance, performance, and control across every deployment.

Core Platform Solutions
Digital Wallet · Agency Banking · Digital Banking
Solutions
Core Platform Solutions
Digital Wallet · Agency Banking · Digital Banking
Composer
Core Platform Solutions
Digital Wallet · Agency Banking · Digital Banking
Experience
Core Platform Solutions
Digital Wallet · Agency Banking · Digital Banking
Solutions
Axis — Transaction Execution Engine

The execution core beneath Digital Wallet, Agency Banking, and Tapestry. Centralises transaction routing, ledger management, settlement, and compliance enforcement — consistently governed at any volume. Includes built-in observability and monitoring across all platform deployments.

Engage — Experience Orchestration

Orchestrate customer journeys, campaigns, and contextual interactions from a dedicated layer — independently of backend systems. Engage keeps banks in control of the customer relationship across every channel. The SuperApp Framework extends this further — letting banks embed financial and lifestyle services as MiniApps inside a unified ecosystem.

From our customers

What it sounds like when infrastructure works.

We have a bold vision with the super-app and the digital transformation journey at the group level. We are happy to find a trusted partner in MobiFin.
Tun Tun Linn
CEO & Chief Digital Officer, CDGS Group
MobiFin is the perfect fintech service provider. We strongly endorse their highly secured platform to companies looking to deliver advanced digital financial services.
Sebastian Vetter
CEO, Wizall Money
Their professionalism and technical knowledge were impressive, and their platform fulfilled every one of our requirements — exactly as promised.
Sirra Ndow
Group Head, QMoney Financial Services
FAQs

Common Questions, Answered.

No. MobiFin's Enterprise Integration Layer connects to your existing core — Temenos, Finacle, FLEXcube, or proprietary. Digital Banking is a channel layer that sits on top of your core without replacing it. Digital Wallet and Agency Banking run on MobiFin's own execution engine and operate independently.

Yes. Each MobiFin solution is independently deployable. Start with Digital Wallet or Agency Banking, add Digital Banking as a channel layer later, or use Tapestry to compose new products on your existing infrastructure without a full deployment. Digital Lending and Core Banking are available separately as extended solutions.

A Digital Wallet or Agency Banking deployment typically runs 6–12 weeks from scoping to go-live. Digital Banking is similar. Tapestry-based use cases can be assembled and tested in days. Digital Lending and Core Banking timelines depend on scope — we assess during discovery.

Classic delivers complete, production-ready solutions — Digital Wallet, Agency Banking, Digital Banking. Tapestry is a composable layer: your product team assembles new financial services from reusable building blocks, directly on your existing infrastructure, without deploying a full system or touching what's live.

Compliance is built into the platform layer — not bolted on. Each deployment is configured to the regulatory profile of your market: KYC tiers, transaction limits, reporting formats, and audit trail requirements. Axis enforces compliance consistently across Wallet, Agency Banking, and Tapestry deployments.

GET STARTED
Ready to fast-track banking innovation with MobiFin?

Talk to our solutions team or download the brochure to share with your team.