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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.

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MobiFin Agency Banking platform showing agent interface with cash transactions and biometric authentication
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.

01Liquidity and cash bottlenecks
Disrupt transactions, reduce agent reliability, and cut productivity.
02Fragmented operations
Siloed systems and manual processes cause errors and increase risk.
03Experience breakdowns
Slow KYC, poor uptime, device limitations, and reconciliation failures hurt user satisfaction and operational accuracy.
04Agent profitability pressures
High operational costs, thin margins, and no structured view of agent performance erode motivation and make underperformers invisible.
05Leakage from oversight gaps
Agent fraud, cash misuse, ghost accounts, and weak audit trails erode trust.
06Technology adoption barriers
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
MobiFin AI-powered agent and customer onboarding with biometric verification and document authenticity checks
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
MobiFin agency banking service catalogue showing cash deposit, withdrawal, remittance, and bill payment options
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
MobiFin NxM agent network management with hierarchy, limits, access, and commission controls
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
  • Pooled float access for regional agent groups
  • Offline transaction processing with secure local storage and auto-sync on reconnection
MobiFin agent-to-agent float transfer with biometric authentication
Operational control

Configure, monitor, and govern day-to-day agent operations.

Service configuration

Configure and bundle services for rapid rollout. Dynamic workflow builder. Multi-currency and exchange rate management for cross-market operations.

Agent account management

Profile and password management. Detailed transaction history. Commission tracking and processing. Automated settlements and reconciliation.

Reporting and visibility

Live agent performance dashboards. Transaction and POS reports. Complete audit logs. Operational reports on onboarding, vendors, and internal KPIs.

Vendor management

Connect and switch providers with intelligent routing and multi-protocol support. Standardized request-response formats for consistent transaction updates.

Notifications and scheduling

SMS, email, and push notifications. Configurable schedulers for automated operations. Bulk payments and transfers.

Support and feedback

Ticket management for agent service issues. Feedback and complaint tracking. Blacklist management for compliance enforcement.

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.
1,500+
TPS capacity
25+
Countries served
99.9%
SLA uptime
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, BFFCloud-native, cloud-neutralAPI-firstMicroservices-drivenMulti-tenantEnd-to-end DevOpsConfigurable and localizableSecure by design

Deployment: On-prem, private, public, or hybrid cloud

Core-agnostic: Works with any CBS and third-party services. Integrates through POS SDK, payment switch, QR, USSD gateway, payment gateway, and aggregators.

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?

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