Banking transactions made easy with

Systems DigiCube Wallet

Accelerate your revenue growth with DigiCube Wallet

solution to seamlessly enter unbanked markets, eliminating
barriers to traditional banking services and captivating
previously unreached audiences. Embrace a cost-efficient,
fast time-to-market solution for expanding your bank’s
horizons.
Seize the Global Market Potential of Financial
Inclusion and Digital Payments

What is the Opportunity?

54% 30K
Mobile-bank focused Transactions per min
3500+ Customers globally who are using
Technology budgets are now Mobile money providers are Temenos Platform
being directed to digital processing an average of 30 000
channels with 54% focused on transactions per minute
mobile. Potential Customers:
• NEO Bank
• Enhancement in Existing Banks
60% 18% • Non-Banking FIs
Unbanked Mobile Users CAGR

60% of the 1.7 billion unbanked The Digital Wallet market size is
individuals globally have a mobile expected to grow at a CAGR of
phone. 18% till 2026
DigiCube Wallet
Leverage our dynamic solution that transcends the boundaries of conventional banking transactions. Seamlessly connecting Customer,
Agent, Merchant, and Back Office applications, this innovative platform redefines the essence of digital transactions. Effortlessly usher
your customers into a world of instant, secure banking transactions while empowering agents, facilitating merchant interactions, and
ensuring robust back-office management.

Key Offerings

Customer Application Agent Application Merchant Application Back Office Portal

Key features & components of DigiCube Wallet
Platform Features
Frontend Feature Cloud Native & Multicurrency Contactless Biometric
Customizations enhancements KYC Compliance
Cloud Agnostic Support Payments Authentication

Agent Compliance In-App Chat Multiplatform

Merchant Services API integration
Management Management support Accessibility

Key Configurations

Regulations & Policy Payment Processor 3rd Party Multi Entity Open
Setup Integration Integrations Security Management API’s/SDK’s

Financial Institution

Digital Wallet
Platform

Customers Merchant Agents Government Other Banks Telco's

Customer Application
Engage customers with exceptional digital payment experiences such as instant P2P payments and
transfers, contactless payments, digital loans, etc.

Digital Add Money with Payments – Tap & Funds Transfer – International &
Onboarding Debit/Credit Card Pay/ QR//Card Wallet to Wallet Local
& Wallet to Bank Remittances

Bill Card Lifestyle Banking & Schedule Notifications &

Payments Management Online Shopping Payments Reminders
Agent Application
Extend your banking network and enhance financial inclusion by empowering agents or business
correspondents using our comprehensive Agent Application.

Account Cash In & Cash Funds Transfer Proximity Payments Bulk Bill
Management Out Requests & Transaction Details Payments

Commission Discounts & Add or Remove Liquidity Instant Refund

Management Promotional Offers Products Management
Agency Banking & Models

Sub Agents are tagged with Super Agent as

Super Agency Model
branches
This is also called Franchise Model
It consist of Super Agent and Sub Agents

Direct Agency Model Direct Agent is an account holder who can

have multiple handlers/users
Direct Agents are sole proprietors' agents

Agent Plus Agent Plus can provide liquidity within area

Agent Plus is a type of Agent who can provide and out of area
liquidity to the tagged agents

Liquidity Support System

LSS Agents can provide liquidity within area
Agent Plus is a type of Agent who can provide
and out of area
liquidity to all those Direct Agents that are marked
as LSS Beneficiary
Merchant Application
Revolutionize Banking with our Merchant Application – a gateway to streamlined
transactions, inventory management, and much more.

User Authentication Account Opening Funds Transfer

Cash Deposit & Bill Payments QR Payments

Withdrawal

Request Payment Send & Receive Transaction Summary

Remittance
Back Office Portal
Our seamless back-office portal acts as a control center for customer,
merchant & agent management.

• Customer Management
• Merchant/Agent Management
• Roles & User Management
• Commission Management
• Application Content Management
• Promotional Offers & Discounts Management
• Features Management
• Analytics Dashboard
• Reports & Transaction Logs
Merchant & Agent Back Office Features

Product Configuration Class Management Agent/Merchant Account Linking/ De- Agent/Merchant

Onboarding & linking Network Management
Entitlement

Liquidity Support Fee Management Commission Salary Loan Management

System Management & Disbursement
Disbursement
Wallet Platform Architecture
Customer Agent/Merchant Back Office- Admin Portal Open Banking APIs

Mobile Web Mobile Web Web

Bank System & Other

Fabric- API Management
Integration Platform Logging and Monitoring Services
Mobile Wallet Backend Agency Banking Backend

Payment Switch

Identity Service
Wallet Backend Data Hub
Card Management
Payments Wallet Accounts
Reporting SMS & Email Gateway

Product Designer GL & Accounting PFM

Temenos Data Hub
Loyalty
Integration Events
Credit Bureau
Why choose DigiCube Wallet
One Stop, Flexible Digital Wallet Platform
Rich wallet functionality built on powerful platform that can cater for all your digital financial
service needs.

Centralized Management
Manage all your digital channels from a central administration portal. Customize transaction fees,
commissions and rules for your ecosystem.

Seamless Integrations
Reuse existing infrastructure and easily integrate with your CBS. Alternatively, use Digital Wallet as a
standalone platform. Connects with any third-party system.

Limitless Flexibility & Scalability

Handle vast amounts of data and process thousands of transactions per second. Deliver frictionless
service in both mature and developing markets.

Frontend Design Customization

Leverage design methodology in creating engaging customer journeys, personalized for your end
customers.

Enhanced Security
The platform is built with enhanced security such as encryption, secure communication, protocols
and authentication to protect user data and transaction from unauthorized access.
Benefits of DigiCube Wallet

Increase Customer Base and Strengthen Customer Relationships Competitive Advantage

Revenue Streams
Position your bank as a leader in financial
Attract new customers seeking convenient and Provide a seamless and user-friendly digital
technology and digital transformation
accessible financial services. experience, enhancing customer satisfaction.

Regulatory Compliance Cost Savings and Operational Enhanced Data Insights

Efficiency and Analytics
The platform adheres to the highest industry best Reduce reliance on physical branches and associated Gain valuable insights into customer preferences
practices and market regulations. costs. Streamline manual processes and paperwork through transaction data and
with digital onboarding and transactions. utilize data analytics for informed decision-making.
Thank You