USE CASES

Success Stories: Digitalising Top Tier Bank in Central Asia

Problem: The Central Asian Digital Banking Turnaround

The client was trapped in a “Digital Bottleneck.” Despite being a market leader, their existing mobile wallet platform was failing to scale, plagued by fragmented architecture and a digital consultancy that couldn’t bridge the gap between technical theory and operational reality. They faced:

  • Security & Compliance Risk: Struggling to maintain robust data security and user privacy across shifting jurisdictional regulations.

  • Integration Chaos: Inability to unify the mobile wallet with complex core banking infrastructure, diverse payment systems, and third-party agent platforms.

  • Agency Banking Paralysis: Severe operational hurdles in agent onboarding, compliance monitoring, and managing the intricate cash workflows required for a reliable rural reach.

Solution

We replace fragmented legacy systems with a robust, interoperable fintech engine designed for high-volume transactions and seamless user adoption. Our solution focuses on transforming the mobile wallet from a simple tool into a central financial hub:

  • Financial Inclusion & Payment Suite: * Implementing high-speed QR code payments and mobile top-ups to drive daily transaction volume.

    • Integrating a vast Merchants Marketplace and Utility Payment gateway to increase ecosystem stickiness.

  • Credit & Lending Intelligence: * Deploying Micro-loan modules and automated credit line/tranches directly within the app to unlock new revenue streams.

    • Utilizing robust e-KYC and automated customer onboarding to ensure rapid, compliant user growth.

  • Deep Infrastructure Integration:

    • Executing seamless connectivity with Core Banking Systems and other bank integrations for real-time inter-bank transfers.

    • Solving the “last-mile” challenge through a reliable Agency Banking model, featuring automated agent onboarding, training, and complex cash workflow management.

  • Enterprise-Grade Governance:

    • Ensuring robust security for all transaction data and user privacy, fully aligned with multi-jurisdictional regulatory compliance.

    • Delivering a world-class, well-structured UX to ensure that complex financial tools remain intuitive for the end-user.

Results

A transformed, secure, and fully integrated mobile wallet ecosystem that effectively serves the bank’s massive user base across the country.