The Unbanked and Under-banked

In emerging markets, banks are under increasing pressures from mobile operators and third party brands to rapidly roll our comprehensive mobile financial services [see picture below]. To help address this challenge, Mobiliti is also available as a developing markets platform, enabling financial institutions to serve un-banked and underbanked consumer segments.

Since the needs of underbanked segments are so distinct, Mobiliti can be configured to deliver the following additional functionality:

• Mobile Wallet capabilities to enable virtual accounts for consumers (the Mobiliti 'Value Manager').
• Enrollment and activation tools that enable universal reach across the bank's existing physical channels (such as ATM and Branch).
• Agent-based functionality, for cash-in, cash-out and other agency services, enabling innovative and low-cost distribution models.
• Real-time or batch-based payroll processing to leverage salary payments as the source of funds for mobile accounts.
• Integration into existing or new payment services such as prepaid top-up, P2P and international remittance.
• Stakeholder billing, margin and revenue allocations through the Mobiliti Billing Manager.

All of these services are above and beyond the existing baseline capabilities of the Mobiliti platform (described elsewhere in this website).