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Mobile Banking Solution

The Huawei Mobile Banking Solution enables banks to provide innovative, asset-light, and reliable mobile banking services for unbanked and underbanked consumers. It provides new forms of access to financial services for unbanked customers. Since the unbanked are not entrenched in the old-fashioned banking practices of branches, ATMs, and credit cards, they are more likely to embrace mobile banking.

Through the Mobile Banking solution, banks can provide financial services through agents rather than branches. Agent-assisted banking provides financial services to underserved populations through engaged agents under a valid agency agreement, rather than a teller/cashier. An agent is the owner of an outlet who conducts banking transactions on behalf of a bank. Globally, these retailers are increasingly serving as important facilitators of financial inclusion.

Huawei Mobile Banking is designed to provide simple, secure access to mobile finance services for unbanked and underbanked consumers. It provides mobile wallet services using existing communications network capabilities. These services are transacted seamlessly using features or smartphones for customers and agents.

It provides the following services:

• Cash in, cash out: Enables customers to store and receive physical cash electronically or via agent networks

• Money transfer: Domestic peer-to-peer transfer and international remittance

• Commercial or transactional payments: Bill payment, merchant payment, and airtime top-up

• Bulk disbursement: Organizations make payments to individual customers in bulk, such as salary payments and government or NGO transfers.

• Payment gateway services: Online payment, QR payment, NFC payment, and Direct Debit

• Agent support capabilities: Customer registration via an agent, over the counter services, and agent liquidity management

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  • Inclusive Financial Services to Enhance Customer Experiences

    Differentiated financial services offer rich channels and real-time transactions, anytime, anywhere.

  • Reduced CAPEX/OPEX

    Zero bank branch investment and access to target customers through an agent network.

  • Trusted Enablers of Friction-Free Mobile Money Services

    Zero data loss, 99.99 percent reliability, up to 1,200 TPS, and 360-degree security protection.