Your customers move between mobile, web, USSD, WhatsApp, and branch without thinking twice. Your platform should do the same. A complete digital banking system for retail and corporate banking — CBS-agnostic, channel-ready, built to deploy fast.
Banks are not losing customers only for lack of features, but because channels don’t connect, journeys don’t continue, and every interaction starts from scratch. The friction is invisible to your ops team — and completely visible to your customer.
MobiFin Digital Banking empowers banks to rewire for a digital-first, customer-centric future. Retail banking, corporate banking, Islamic banking, and card services — unified on a single CBS-agnostic platform with omnichannel delivery across traditional channels (internet, mobile, branch) and emerging ones (wearables, voice, chatbots), with MobiFin Engage-powered experience orchestration built in.
End-to-end self-service onboarding from registration to account activation on one platform. No branch visit needed. Start on internet banking, complete on mobile — the platform hands off seamlessly.
From everyday retail transactions to complex corporate workflows, the platform covers the full spectrum without stitching together separate systems.
Full-spectrum payment coverage across flexible fund transfers, QR code payments (generate & scan), merchant and credit card payments, bill payments and top-ups, international remittances, bank-to-wallet transfers, bulk transfers, standing instructions, and scheduled and recurring payments.
Multi-layer protection from login through to settlement — PIN, face ID, fingerprint, MFA and time-based OTP, rule-based suspicious transaction detection, geofencing monitoring, configurable transaction limits, dynamic alerts, and manual or rule-based user blocking.
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Multi-layer protection from login through to settlement — PIN, face ID, fingerprint, MFA and time-based OTP, rule-based suspicious transaction detection, geofencing monitoring, configurable transaction limits, dynamic alerts, and manual or rule-based user blocking.
Self-management tools that reduce branch dependency and raise digital containment — covering profile and nominee management, service and product limit controls, refer-a-friend, survey feedback, light/dark themes, multilingual support, AI-driven virtual agents for automated support, and live chat or chatbot assistance anytime.
Full hierarchy control across users, roles, accounts, and limits — covering role-based access control, account mandate management, approval workflow management, user transaction limit configuration, and admin role and access controls.
Execute payments to single or multiple beneficiaries in one process — payroll, batch disbursements, large-volume settlement — with maker-checker-approver controls at every step.
Supports foreign outward remittances, letter of credit applications, bank guarantee requests, and documentary collections — enabling enterprises to manage cross-border trade efficiently and with full visibility.
Multi-layer financial transaction authorization via OTP, password, card PIN, biometric authentication, and security questions — with maker-checker-approver enforced at every step.
Covers retail and corporate onboarding, account type and suspense management, service and product catalogue, charge management (fees, taxes, service), profile-based service activation, multi-currency processing, and holiday and working-time configuration.
Configure supported languages, push localised content, and manage region-specific service settings from a central admin panel.
MobiFin Digital Banking is built on Engage, our experience orchestration platform. Content updates, campaign launches, user journey changes, and visual customisation happen directly from the Engage admin console — no backend redeployment, no code release, no engineering queue.
Beyond transactions, the platform includes three independent engagement modules that turn a utility app into a destination your customers choose to open every day.
Make everyday banking interactive and habit-forming. Rewards-based experiences drive engagement loops — and generate behavioural signals your team can act on.
Help users save better and spend smarter — and become the trusted platform they return to for financial decisions, not just payments.
Extend your banking app into a connected lifestyle platform. Embed partner services as runtime mini-apps — each using the same unified payment layer.
City Bank needed to unify retail banking, Islamic banking, and card services into a single digital platform. MobiFin delivered Citytouch — a unified mobile and web experience for all customer segments, with dynamic biller integration and interoperable digital transaction connectivity.
MobiFin Digital Banking sits as a channel and experience layer on top of your existing core banking system. No backend disruption. No rework to existing service contracts. Plug-and-play connectivity with 38+ microservices already in production.
CBS-agnostic data connector layer — Plug-and-play with any core banking system, enabling faster onboarding without rework to existing integrations. 38+ independent microservices — Add new capabilities without touching existing service contracts. Zero rework, zero disruption. Cloud-native, headless, API-first — Backend-for-frontend architecture delivering full configurability, high scalability, and flexible deployment. PCI-DSS certified — Bank-grade security built into the platform, with AES encryption for data at rest and in motion.Microservices
Cloud-Native
API-First
Headless / BFF
PCI-DSS
CBS-Agnostic
On-Prem / Cloud
Mobile · Internet Banking · Admin Portal
API Gateway · Authentication · Microservices
Payments · Cards · Beneficiary · Funds Transfer
CBS-agnostic adapters · AML/KYC · LOS/LMS
Untouched. Fully integrated.
From authentication through to real-time transaction monitoring — every control is built in, not bolted on.
MobiFin Digital Banking connects to your core via a CBS-agnostic data connector layer. It sits as an experience and channel layer on top of your existing system — no disruption to your backend, no changes to existing service contracts. The connector library is growing and covers the most widely deployed core banking systems globally.
Traditional channels include mobile banking (Android, iOS, Huawei), internet banking, USSD, IVR, and POS. Emerging channels include WhatsApp banking, SMS, email, chatbots, voice assistants, and smartwatch notifications. All channels are managed from a single admin console.
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Yes. MobiFin enables a smooth hand-off for customers who start their onboarding journey on one channel — such as internet banking — and want to complete it on another, like mobile banking. The session state carries across seamlessly.
See MobiFin Digital Banking running on your channels, your customer segments, and your market.
