Deliver Secure and Seamless Experiences
with AI-powered Digital Financial Services

A Digital Financial Services Suite represents a holistic range of offerings meticulously crafted to harness the power of AI-driven advanced analytics and machine learning intelligence, opening up a myriad of fresh revenue prospects for Telecom Operators, Financial Institutions, Banks, Merchants, and Enterprises. This comprehensive suite not only caters to the evolving financial needs of consumers but also catalyzes the digitization of payments and banking services. Such DFS services include mobile banking, mobile payments, and mobile money transfers. With a strong emphasis on accessibility and convenience, telecom digital financial platforms empower customers to seamlessly conduct transactions and manage their finances in a secure, efficient, and user-friendly manner, irrespective of their location or time zone — all enhanced with AI-powered fraud detection, personalization, and risk management.

With its AI-driven capabilities, the suite not only ensures efficient financial management but also facilitates predictive insights and informed decision-making for businesses, thereby fostering sustainable growth and development. Through its versatile portfolio of financial services, it continues to redefine the way transactions are conducted, setting new standards for reliability, security, and AI-enhanced customer-centricity in the realm of modern finance.

Ignite Financial Inclusion with Digital Financial Services

Creating Value with Success Stories

4x

Faster Time To Market

180+ Mn

Subscriber Base

5+ Bn

Annual Transaction Volume

20+

Cloud Deployments

100%

Transaction Accuracy

Digital Financial Suite Key Modules

Digital Banking

Agency Banking

Mobile Wallet

Merchant Management

Mobile Wallet / Mobile Money

Simplify Digital Financial Services with the mobile wallet solution and enjoy the convenience of making payments, transferring funds, and managing finances from your smartphone, backed by AI-powered transaction monitoring for enhanced security.

Agency Banking

Expand Financial Services reach with agency banking solutions and empower agents to offer banking services in remote areas, extending financial inclusion to underserved communities with Agency Banking Solution, enhanced through AI-based agent performance analytics.

Merchant Management

Telecom financial solutions like Aureus provide advanced analytics and reporting capabilities so CSPs can make informed decisions and optimize their merchant network for maximum profitability, using AI-assisted merchant segmentation and performance prediction.

Conversational Banking

Transform your banking experience with AI-powered Conversational Banking for convenient and secured banking services anytime, anywhere, from your preferred devices.

E-Top Up

CSPs can now access a wide range of mobile operators and prepaid services through our e-top-up platform. This telecom digital financial platform E-top up easily selects the desired denomination and completes the recharge in a few simple steps, with AI-based usage recommendations.

Voucher Management System (VoMS)

Streamline voucher distribution and redemption processes with an efficient voucher management system to effectively create, track, and validate vouchers for various promotional campaigns, enhanced with AI-driven fraud detection.

Automated Chargeback Management

Streamline the dispute resolution process, enabling you to efficiently handle and resolve chargeback claims with this telecom digital financial platform, powered by AI-enabled anomaly detection for faster resolution.

DPP (E-commerce Marketplace)

Businesses can now offer a seamless shopping experience to customers using a telecom digital financial platform with the user-friendly digital portal platform or an e-commerce marketplace interface by enabling search, filter, and compare options for effortless product discovery — enriched by AI-based product recommendations.

AUREUS OVERVIEW

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INSIGHTS

Campaign and Loyalty to Drive Customer Retention for a Commercial Bank in UAE

How customers interact with financial services is undergoing a revolution. The new wave of Open Banking, Open Finance, and Open API, is driving endless

Why Digital Wallets and Cashless Payments are the Future of CSPs?

Digital wallets and Cashless Payments are increasingly becoming the preferred payment method for consumers around the world. This trend is expected to continue and

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.

Telecom Digital Financial Solutions: Accelerating Financial Inclusion

In today’s highly competitive telecommunications industry, Communication Service Providers (CSPs)e.

FAQs

How does Aureus use AI for fraud detection in mobile money and digital wallets?

Aureus applies real-time AI fraud detection to every mobile money transaction, using behavioural biometrics, device fingerprinting, transaction pattern analysis, and network relationship mapping to detect account takeover, money mulling, SIM swap fraud, and merchant fraud. ML models score each transaction within milliseconds, enabling automatic blocking of high-risk transactions while minimising false positives that frustrate legitimate users. AI-driven fraud prevention is critical for maintaining regulatory compliance and customer trust in mobile financial services.

Can Aureus use AI to improve financial inclusion through credit scoring?

Yes. Aureus includes an AI-powered alternative credit scoring engine that uses telecom behavioural data — airtime usage, top-up patterns, network tenure, and bill payment history — as proxies for creditworthiness in populations without formal credit histories. This enables telecoms to offer microloans and credit products to previously unbanked subscribers. AI credit models continuously improve as repayment behaviour data accumulates, progressively enabling access to larger credit facilities for reliable borrowers.

How does AI personalisation work in Aureus for financial product recommendations?

Aureus' AI personalisation engine analyses subscriber financial behaviour — transaction frequency, savings patterns, remittance regularity, and merchant payment categories — to recommend the most relevant financial products to each user. Personalised micro-insurance offers, savings plans, loan pre-approvals, and investment products are surfaced at contextually relevant moments. This AI-driven approach increases financial product adoption rates significantly compared to generic mass-marketing campaigns.

Does Aureus support Generative AI for customer financial service interactions?

Yes. Aureus integrates with conversational AI and LLM-powered virtual assistants to handle customer financial service interactions — including balance queries, transaction explanations, loan eligibility checks, and dispute resolution guidance. GenAI-powered assistants available via WhatsApp, USSD, mobile app, and web channels enable 24/7 financial service support in local languages, reducing the cost-to-serve for mobile money operations while improving accessibility for users in remote areas.

What is Aureus and what financial services can telecoms launch with it?

Aureus is 6D Technologies' AI-powered Digital Financial Suite enabling telecoms to launch mobile money, digital wallets, agent banking, payment gateways, microloans, and insurance products. Designed for emerging markets, Aureus helps operators extend subscriber relationships into financial services — reaching unbanked populations with AI-driven credit scoring, personalised financial products, and intelligent fraud protection across every transaction.

How does Aureus use AI for AML compliance and regulatory monitoring?

Aureus embeds AI-powered AML (Anti-Money Laundering) monitoring that continuously analyses transaction flows for suspicious patterns including structuring, layering, and smurfing behaviours. Graph-based AI models detect complex money laundering networks spanning multiple wallets and agents. Automated SAR (Suspicious Activity Report) generation reduces compliance team workload, while AI-driven case prioritisation ensures investigator attention is focused on the highest-risk cases, improving regulatory compliance efficiency.

How do telecoms monetise AI-driven financial services using Aureus?

Telecoms generate revenue through AI-optimised financial services pricing: AI determines optimal interest rates for individual loan products based on risk scoring, recommends insurance premium structures based on subscriber risk profiles, and identifies cross-sell opportunities between telecom and fintech products. AI analytics measure customer lifetime value across both business lines, enabling telecoms to make data-driven investment decisions about which financial products to prioritise for each market segment.

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Deliver Secure and Seamless Experiences with AI-powered Digital Financial Services