Agency Banking Agency Banking facilitates Banks and Financial Institutions to swiftly onboard agents on the platform. It extends banking and wallet services across the territory encouraging the financial inclusion of banked and unbanked customers. The platform allows the creation of a multi-tiered/N-Level Agent hierarchy by corresponding commissioning business rules. Agency Banking on Aureus enables agents to perform assisted operations such as Customer Onboarding, KYC management, Cash Deposit into the customer’s bank or wallet account, and withdrawal from the customer’s bank or wallet account.

Electronic Recharge Electronic Recharge platform supports CSP’s prepaid business requirements by delivering electronic recharge distribution and account top-up solutions with enhanced fraud and security management. It enables customers to perform pin-less recharge using conventional channels such as USSD, IVR, and digital channels such as Mobile App and Web. Retailers interfaces like mobile app, Web, USSD and SMS are also available to assist the customer transactions at the outlets. Real-time commissioning and settlement for the shop owners can help in amplifying the CSP business and revenues.

Voucher Management Voucher Management Platform lets subscribers recharge their airtime using e-vouchers or physical voucher/scratch cards. It takes care of voucher creation, product specification, lifecycle management, distribution, and redemption while ensuring voucher security by using encryption algorithms such as 3DES, and AES-256. Scratch codes for the vouchers are generated with a very secure and randomized algorithm and can generate any length codes based on CSP requirements.

Merchant Management Merchant Management is designed to onboard Merchants on the Digital Financial Solutions platform enabling them to receive secure Digital Payments via customers’ Digital wallets or Bank accounts. The platform allows Mobile App based seamless self-serviced onboarding of Merchants ensuring faster-time-to market. Merchants are empowered to decide their mode of payment acceptance on their websites and physical stores by giving them options for QR code or NFC-based payments. The platform adheres to an open API framework enabling faster integration with merchants and various third-party websites. All the transactions are executed in real time with a detailed audit trail that facilitates reconciliation. Real-time settlement or billing cycle-based settlements are supported as per the need of CSP.

Digital Payments Enablement Gateway Digital Payment Enablement Gateway empowers enterprises to become payment enablers, allowing customers to perform various online transactions using different modes of payment such as Bank Accounts, Debit/Credit cards, Wallet Account, and more. It makes it possible for businesses to have a faster-time-to-market process by seamlessly integrating Mobile Wallets, Banks, Merchants, NGOs, Governments, and Enterprises using RESTful APIs.

Loyalty Loyalty Management System, part of Digital Financial Solutions provides a comprehensive solution for managing end-to-end CSP-owned and Partners Loyalty Program right including partner contracting, sale of loyalty points to partners, and partner billing to processing of member activities. With Partner Management, it is possible to achieve shorter partner onboarding times through easily configurable business rules to define partner product offerings and accrual/redemption conditions. CSPs can run their own redemption rules and criteria for the consumption of loyalty points as well as define the rules for partner-driven loyalty engagements.

Gamification The Gamification platform enables enterprises and CSPs to understand their customers and quickly adapt their systems design by considering their users' customer behavior. With the right mechanics, feedback loops, and embedded incentives, players reach continuous win-states while the operators gain loyalty. Our innovative Gamification system offers a variety of fully customizable plugins to engage and reward users, especially by utilizing virtual elements: badges, challenges, spend and win games. Being part of a full Digital financial solution suite, it can integrate with mobile money and other financial systems providing monetary and non-monetary awards for the winners.

Digital Lending Digital Lending with our Digital financial solution portfolio provides the capabilities of conventional loans and AI-Driven credit scoring-based loans for Banks and other financial institutions. The system supports full loan origination, management, and collection capabilities. The Artificial Intelligence algorithms have more than 90% accuracy in providing the correct scores for the customers based on their historical data and thus low bad debt ratio, leading to more revenue for the lender. The loan service charges can be fixed or variable based on the loan amount, tenures, and other conditions driven by the rule engine.