Agency Banking

Empowering Communities, Expanding Horizons with
Agency Banking Solutions

Agency Banking Solutions act as a strategic bridge, enabling banks and financial institutions to extend their services to remote and underserved regions, fostering financial inclusion. These solutions empower independent contractors or enterprises to operate as intermediaries, representing the bank’s services in these areas. These representatives act as the face of the institution, facilitating basic banking and financial services, thereby bridging the gap between traditional banking infrastructure and customers in far-flung regions.

Through Agency Banking Solutions, an array of fundamental financial services becomes accessible to customers in these remote areas. These services typically include deposits, withdrawals, fund transfers, bill payments, account inquiries, and even credit facilities. Leveraging these solutions, banks can penetrate areas where establishing brick-and-mortar branches may not be feasible or economically viable. This expansion in reach not only facilitates access to essential financial services but also catalyzes economic development in these underserved regions, contributing to the overall growth of the economy.

Agency Banking Features

Cloud-ready Platform

Agency Banking Solutions leverages the benefits of cloud computing, including scalability, flexibility, cost-effectiveness, and accessibility. Being a cloud-ready platform, it ensures that banking services can be delivered efficiently and reliably.

Agent Network Management

Agency Banking Solutions relies on a network of agents who act as intermediaries between the bank and its clients. With biometric authentication, Agency Banking Solutions can efficiently onboard and manage an extensive agent network, enabling wider service coverage.

Hierarchical Distribution Control

The platform supports multi-tiered hierarchical distribution, allowing for the dissemination of various business lines to the end consumers. This hierarchical structure simplifies the addition and onboarding of agents at different levels, enhancing operational efficiency.

Assisted Services

Agents can perform a range of services on behalf of consumers, including onboarding, top-ups, utility payments, and more. This feature extends the reach of banking services to areas where traditional branches are less accessible.

Transaction Limits

Agency Banking Solutions facilitates the establishment of transaction limits, both in terms of volume and frequency. These limits are crucial for mitigating the risks associated with handling cash and ensuring compliance with regulatory requirements.

Configurable Commission Rules

The platform offers flexibility in configuring commission rules based on the nature and scope of transactions. This adaptability allows financial institutions to tailor commissions to specific business needs and objectives.


Additional Income Source

Additional Income Source

With Agency Banking Solutions, agents can earn commissions and fees for each financial transaction they facilitate, providing a reliable source of extra income for businesses.

Cost-Effective Expansion

Cost-Effective Expansion

Agency Banking Solutions offers a practical approach for financial organizations to expand services in areas where establishing physical branches would be expensive. This model reduces operational and infrastructure costs, making expansion more cost-effective.



Customers benefit from easier access to banking services closer to their homes or businesses. Agency Banking Solutions supports a wide range of services, including account balance inquiries, merchant services, cash withdrawals, deposits, transfers, and top-up services.

Enhanced Customer Engagement

Enhanced Customer Engagement

Through improved customer engagement via the agent network, Agency Banking Solutions contributes to increased customer loyalty and strengthens the brand presence of the financial institution.

Digital Transformation

Digital Transformation

Agency banking solutions leverage technology, such as mobile apps and point-of-sale (POS) hardware, to expedite transactions, promoting a seamless and efficient banking experience. This technological integration not only fosters faster transactions but also encourages the adoption of online financial services, ensuring enhanced transaction security and paving the way for further financial inclusion in remote areas.

Cash Flow Management

Cash Flow Management

Agency Banking Solution offers a variety of services to assist businesses in meeting their daily liquidity and cash management needs. This can significantly improve financial management capabilities.

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Digital Financial Services

Aureus, a complete Digital Banking and Payments suite unlocks new revenue opportunities for telecom operators, financial institutions, banks to empower their customers.

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