A digital wallet app is a software-based system that securely stores users’ payment information. It enables users to make transfers and payments via smartphones, computers, or wearable devices without needing physical cards or cash. Digital wallets, or e-wallets, offer a convenient and secure way to store payment details and complete transactions.

Why Digital Wallets Are Growing in Popularity

Digital wallets have gained popularity due to their convenience, security, and versatility in managing finances. As consumers increasingly adopt digital-first lifestyles, making quick and secure payments without carrying physical cash or cards has become more appealing. Features like biometric authentication, encryption, and tokenisation enhance security, reducing the risk of fraud and building user trust. The growing trend of e-commerce, contactless payments, and peer-to-peer transfers has also fuelled demand for seamless, instant transactions. Additionally, many digital wallets integrate loyalty programs, discounts, and rewards, offering users extra value and further driving their adoption.

The market for digital wallets is experiencing rapid growth, driven by the increasing adoption of mobile payments, e-commerce, and contactless transactions. According to Juniper Research’s Global Digital Wallets Market report, the transaction value is projected to reach $10 trillion by 2024 and $17 trillion by 2029, reflecting a total growth of 73% over this period. The growing popularity of smartphones, faster internet connections, and advancements in financial technologies like blockchain and artificial intelligence fuel this surge. Additionally, the rise of cryptocurrencies and their integration into digital wallets further expand the market.

In the future, more businesses and consumers are expected to embrace digital wallets for various uses, from everyday purchases to cross-border payments. Innovations such as biometric security and AI-driven personalisation will continue to enhance user experiences, driving even greater mass adoption.

What is a Digital Wallet?

A digital wallet securely stores a user’s payment information—such as credit or debit card details, bank account numbers, transaction history, recipient information, and more—in a virtual environment. When a user initiates a transaction, the digital wallet retrieves the necessary details. It processes the payment without requiring physical cards or cash. This can be done through QR code scanning, Near Field Communication (NFC) for contactless payments, or linking directly to online payment gateways.
The wallet encrypts sensitive data to ensure secure transactions. Additionally, many digital wallets incorporate biometric authentication and tokenisation to enhance security further and protect against fraud, making the payment process seamless and efficient for users and merchants.

Types of Digital Wallets

There are three primary types of digital wallets, each offering different levels of accessibility and functionality:

Closed Wallets

These are proprietary digital wallets created and managed by a specific company for exclusive use with their products or services. Funds in a closed wallet can only be used for transactions within that company’s ecosystem. They cannot be transferred to other wallets or withdrawn as cash. For example, the Starbucks wallet allows users to load money into the app for purchases at Starbucks locations. Still, the funds cannot be used outside the company’s network.

Semi-Closed Wallets

These wallets allow users to make payments at multiple pre-approved merchants and partners, both online and offline. While they offer more flexibility than closed wallets, they are still limited to specific retailers and services. Semi-closed wallets typically cannot be used for direct cash withdrawals or peer-to-peer transfers outside the approved network. An example of a semi-closed wallet is one used in certain shopping centres or merchant networks, where users can shop at multiple merchants within the network but are restricted to those partners.

Open Wallets

Open wallets provide the most freedom and versatility, as they are often integrated with banks and other financial institutions. Users can make payments at various merchants, withdraw funds, transfer money to bank accounts, and make peer-to-peer transfers. These wallets work globally and are suitable for both online and offline transactions. A common example of an open wallet is the payment app of a digital bank or payment service provider, allowing users to send and receive money and conduct transactions worldwide.

Benefits of Using a Digital Wallet

As more consumers and businesses adopt digital payment methods, the advantages of digital wallets become increasingly clear. Here are some key benefits they offer:

Convenience and Speed

One of the most significant benefits of using a digital wallet is convenience. Users can store multiple payment methods—credit cards, debit cards, and even cryptocurrencies—all in one place, eliminating the need to carry physical cards or cash. This makes transactions quicker and easier. Users can complete purchases, pay bills, or transfer money to friends and family without searching through their wallets with just a few taps on a smartphone or smartwatch. The speed of transactions, particularly with contactless payments, enhances the shopping experience and reduces wait times at checkout.

Enhanced Security

Security is a critical concern in the world of digital payments, and digital wallets offer robust security features to protect users’ sensitive information. Most digital wallets use encryption and tokenisation technologies to safeguard payment data. Additionally, many incorporate multi-factor authentication methods, such as biometric verification (fingerprint or facial recognition), to further enhance security. These features significantly reduce the risk of fraud and unauthorised access, making digital wallets a safer alternative to traditional payment methods.

Budget Management and Expense Tracking

Digital wallets can be valuable tools for personal finance management. Many e-wallets come with built-in features that allow users to track spending habits, categorise transactions, and set budget limits. This level of visibility helps individuals better understand their financial behaviour, identify areas for improvement, and make informed spending decisions. Some digital wallets also provide insights and analytics, enabling users to monitor their financial health over time. By helping users stay on top of their expenses, digital wallets contribute to better financial management and accountability.

Rewards and Loyalty Programs

Many digital wallets integrate rewards and loyalty programs, allowing users to earn points or cashback on their purchases. Users paying with a digital wallet can automatically accumulate rewards, discounts, or special offers without carrying physical loyalty cards. This seamless integration encourages more frequent use of digital wallets and can lead to significant savings over time. Additionally, some digital wallets partner with specific merchants to offer exclusive promotions, further enhancing the wallet’s overall value.

Contactless Payments

The rise of contactless payments has been a game-changer for digital wallets. With Near Field Communication (NFC) technology, users can pay by tapping their smartphones or smartwatches against a contactless terminal. This speeds up the transaction process and enhances hygiene and safety, particularly in a post-pandemic world where minimising physical contact is essential. As contactless payments grow in popularity, digital wallets have become a practical choice for consumers seeking a fast and safe way to pay.

Global Accessibility and Currency Conversion

Digital wallets allow users to make international transactions easily. Many wallets offer features that allow users to hold multiple currencies and convert them seamlessly during transactions. This is especially beneficial for travellers and expatriates who need to manage their finances across different countries.

Environmental Benefits

Digital wallets contribute to a more sustainable environment by reducing the need for physical cards and cash. The production of plastic cards and the transportation of cash have a significant environmental impact, from resource extraction to pollution. Using digital wallets helps reduce this footprint, promoting an eco-friendlier payment ecosystem.

Key Features of a Digital Wallet App

To stand out in the crowded fintech landscape, a digital wallet app must offer key features that enhance user experience, ensure security, and provide seamless functionality. Below are the most critical features a robust digital wallet app should have.

Storing Payment Information Securely

At the heart of a digital wallet is its ability to securely store a user’s payment details, which may include:

  • Credit or debit card information
  • Bank account numbers
  • Cryptocurrency wallets
  • Loyalty cards
  • Personal identification documents

When setting up a digital wallet, users typically enter their payment details into the app, which then encrypts this sensitive information to ensure secure storage. Tokenisation is often used in this process, replacing sensitive data with a unique identifier or “token” that is transmitted during transactions. This ensures that the actual card or account number is never exposed, enhancing security.

Initiating Transactions

Digital wallets simplify the payment process by allowing users to transact with just a few taps or clicks. Transactions can be initiated in several ways, depending on the type of wallet and payment method:

Near Field Communication (NFC): Contactless payments are made by holding a smartphone or smartwatch near an NFC-enabled terminal. The digital wallet communicates with the terminal to complete the transaction without physical contact.

QR Codes: Many digital wallets allow users to scan a merchant’s QR code to process payments. Once scanned, the wallet app automatically processes the payment based on the user’s stored payment method.

Online payments: For e-commerce purchases, digital wallets can autofill payment details during checkout, making online transactions faster and more convenient. Some wallets are integrated directly into websites for a one-click checkout experience.

Peer-to-Peer (P2P) Transfers: Users can send money to others using just a phone number, email address, or by scanning a personal QR code, making P2P transfers quick and simple.

Payment Authorisation and Authentication

Before a transaction is finalised, the digital wallet app requires user authentication to ensure the person initiating the transaction is authorised to do so. Digital wallets offer various levels of security to protect against unauthorised use, including:

  • Biometric authentication: Users can verify their identity through fingerprint scanning or facial recognition.
  • PIN codes or passwords: Some wallets require a specific PIN or password to confirm payments.
  • One-Time Password (OTP): For added security, some wallets send a temporary OTP via SMS, email or offer a special authentication app for example, Mobile OTP / MAC Generator by Macrobank that users must input to complete high-value transactions.

These multi-layered authentication processes help reduce fraud and unauthorised access.

Payment Processing

Once the payment is authorised, the digital wallet communicates with the payment processor, bank, or financial institution to execute the transaction. This involves:

  • Transmitting encrypted payment data to the payment gateway or processor.
  • Verifying account balances or available credit to ensure the transaction can be completed.
  • Confirming payment with the merchant or recipient.

In the case of NFC or QR code-based transactions, this process occurs almost instantly, allowing users to complete payments in real time.

Different Types of Payments and Currency Exchange

One key reason digital wallets are so popular is their ability to send and receive money quickly between users.

Peer-to-Peer (P2P) Payments: P2P payments allow users to transfer funds to friends, family, or colleagues in real time, making them perfect for splitting bills, repaying loans, or making quick transfers without bank intervention. Many digital wallets offer easy-to-use interfaces for this feature, often requiring just the recipient’s phone number, email address, or a QR code scan.

Bill Payments: A fully functional digital wallet app should allow users to pay bills, recharge mobile phones, and pay for utilities directly within the app. This feature helps users consolidate multiple payment activities in one place, making it an all-in-one solution for their financial needs.

Cross-Border Transactions: As globalisation increases and businesses expand internationally, cross-border transactions are becoming more important. Digital wallet apps should offer currency conversion and the ability to send money across borders at competitive exchange rates. This feature is essential for users who frequently travel or conduct business internationally, ensuring they can make transactions easily in different currencies without needing to visit a bank or foreign exchange service.

Payment cards

Another key feature of a digital wallet app is the ability to store payment cards. Users can securely store and manage multiple debit, credit, and prepaid cards within the app, allowing for easy and convenient access to funds. By linking their payment cards, users can make online and in-store purchases without carrying physical cards.

Transaction History and Notifications

A comprehensive transaction history allows users to track their spending, view past payments, and monitor their financial activities. This transparency fosters trust and helps users stay on top of their finances. Additionally, real-time notifications for every transaction provide an extra layer of security and convenience by alerting users to any activity on their accounts.

Post-Transaction Notifications and Receipts

Once a transaction is complete, users receive a confirmation notification from the digital wallet app. This real-time alert provides details of the transaction, including:

  • The amount spent or transferred.
  • The merchant’s name or recipient’s details.
  • A transaction ID or reference number.
    The digital wallet app may also store a digital receipt, allowing users to track their spending and access transaction histories. This feature is particularly useful for financial management and budgeting purposes.

Additional Features: Rewards, Loyalty Points, and Budgeting Tools

Many digital wallets offer value-added features beyond basic payments. For example:

  • Loyalty and Rewards Integration: Some digital wallets automatically link to loyalty programs, enabling users to earn points or redeem discounts as they shop.
  • Expense Tracking and Budgeting: Users can monitor their spending patterns, categorise expenses, and set budget limits within the wallet app.
  • Financial insights and analytics: Visual graphs and summaries provide a deeper understanding of financial habits.
    These insights enable users to make better financial decisions and manage their money more effectively.

Security Features of Digital Wallets

Features like tokenisation, end-to-end encryption, and biometric authentication ensure that users’ payment data remains always protected. Even if the physical device is lost or stolen, features such as remote locking, data wiping, and the requirement for proper authentication before completing a transaction safeguard the user’s financial information.

Additionally, fraud detection algorithms integrated into digital wallets monitor suspicious activity and alert users to potentially fraudulent transactions.

Chat

Another important feature is the ability to chat and communicate directly with bank operators. This feature provides users with instant access to customer support, allowing them to resolve issues, ask questions about transactions, or receive real-time assistance with their accounts. Integrated chat functions often include automated responses for common inquiries and the option to connect with a live agent when necessary. This feature enhances the user experience by offering quick, personalised service without the need to visit a bank branch or make a phone call.

Integration with Other Financial Services

An open digital wallet app should seamlessly integrate with other financial services and platforms. This could include links to:

  • Current accounts and investment portfolios.
  • Cryptocurrency wallets for users interested in buying, selling, or holding digital assets.

This level of integration allows users to manage all their financial activities from a single app, offering both convenience and a streamlined experience.

Digital Wallet Software Solutions

The digital payments industry has rapidly evolved, with digital wallets becoming a central tool for businesses and consumers. Companies have two primary options for developing digital wallet solutions to capitalise on this trend: using a ready-made software solution or building one internally. Both approaches have unique benefits and limitations, and choosing the right one depends on a company’s goals, budget, and timeline. Below, you will find a comparison of a ready-made digital wallet solution like Macrobank from Advapay and an internally developed solution.

Ready-Made Digital Wallet Solutions: Macrobank from Advapay

One of the fastest ways to launch a digital wallet is by using a ready-made software solution, such as Macrobank by Advapay. These solutions are designed to be customisable and quickly deployable, offering businesses the opportunity to get up and running without the need to build from scratch.

Benefits of Ready-Made Digital Wallet Solutions

Quick Deployment: Ready-made solutions like Macrobank significantly reduce the time to market. Since the core system has already been developed and tested, businesses can launch their digital wallet services within weeks or months rather than years.

Customisability: While these solutions come pre-built, they offer a high degree of customisation. Companies can modify the user interface, branding, and features to align with their unique business needs, ensuring the digital wallet reflects their brand and service requirements.

Regulatory Compliance: Solutions like Macrobank are designed to meet multiple jurisdictions’ legal and regulatory requirements. They are often updated to comply with evolving regulations in the fintech industry, such as KYC (Know Your Customer) and AML (Anti-Money Laundering) standards, saving businesses the effort of managing complex compliance rules.

Cost-Effective: Using a pre-built platform is generally more affordable than building a solution from scratch. Companies avoid the high initial costs associated with research, development, and hiring a specialised tech team.

Technical Support and Updates: Vendors typically offer ongoing support, security updates, and feature improvements. This ensures the digital wallet remains secure, reliable, and up-to-date with the latest industry standards.

Limitations of Ready-Made Digital Wallet Solutions:

Limited Customisation: While ready-made solutions allow for some customisation, they might not offer the flexibility required for highly specialised or innovative features. Businesses seeking full control over the product might find the options for personalisation somewhat limited.

Vendor Dependence: Companies relying on ready-made solutions depend on the vendor for updates, support, and security patches. If the vendor fails to provide timely updates or discontinues the product, the business could be at risk.

Internally Developed Digital Wallet Solutions

The second option for launching a digital wallet is to build a fully custom solution in-house. This approach gives businesses complete control over the design, functionality, and technology stack. Still, it also comes with significant responsibilities and challenges.

Benefits of Internally Developed Digital Wallet Solutions

Full Customisation: Developing a digital wallet internally allows for complete customisation. Companies can build exactly what they need, tailored to their specific audience and business model. They can integrate unique features, cutting-edge technology, and differentiated user experiences that set their digital wallet apart from competitors.

Scalability: With full control over the infrastructure, businesses can ensure that their digital wallet solution is built to scale as their user base grows. This approach offers more flexibility in terms of future development and adaptation to market needs.

Ownership and Control: An internally developed solution means the business has full ownership of the product, its source code, and its data. This eliminates dependence on third-party vendors for updates or support and allows for faster changes when needed.

Integration Flexibility: Companies building their own solution can easily integrate it with other internal systems, such as ERP, CRM, and other financial services. This level of seamless integration can lead to operational efficiencies and better customer service.

Limitations of Internally Developed Digital Wallet Solutions

Longer Development Time: Building a digital wallet from the ground up is a complex and time-consuming process. It can take months or even years to fully develop, test, and launch a solution, delaying the company’s entry into the market.

High Development Costs: Hiring a team of developers, designers, compliance experts, and security specialists can be substantial. Furthermore, maintaining the solution and keeping it updated with industry trends and security measures requires continuous investment.

Compliance Challenges: Developing a digital wallet that meets various markets’ legal and regulatory requirements can be daunting. Businesses must ensure their solution complies with KYC, AML, and data protection laws like GDPR. This requires significant expertise in financial regulations, which may be costly and time-consuming to acquire.

Ongoing Maintenance: Internally developed solutions require continuous updates, bug fixes, and security patches. The business must dedicate resources to maintaining and upgrading the software to keep it secure and competitive.

Challenges in Developing Digital Wallets

If you decide to develop a digital wallet app internally, it’s important to focus on the 4 challenges developers commonly face.

Regulatory compliance importance

Regulatory compliance is crucial for any digital wallet app, as it directly impacts its ability to operate legally and securely within the financial ecosystem. Given that digital wallets are often interconnected with various banks and payment service providers, companies offering these services must obtain the necessary licenses and permissions to conduct digital wallet operations. This can include acquiring e-money or payment licenses in the EU and UK, registering as a Money Services Business (MSB) in the US and Canada, obtaining a fintech license in Switzerland, or securing a payment license in Singapore and other Asian countries.

Each region has its own regulatory framework, and compliance with these regulations is essential to ensure consumer protection, prevent fraud, and maintain the financial system’s integrity. Failure to adhere to these requirements can lead to severe penalties, legal issues, and damage to the company’s reputation, making it imperative for digital wallet providers to prioritise regulatory compliance in their business strategies.

Developers must also navigate varying financial and data protection laws across different countries and regions. Regulations such as GDPR in Europe, PSD2 for payment services, and specific data localisation laws in other regions create a complex environment for digital wallet development. Non-compliance can result in hefty fines, legal action, or restrictions on operating in certain markets. Developers must collaborate closely with legal teams to ensure the app adheres to all relevant regulations, especially as these laws continually evolve.

Security Risks: Data Breaches, Fraud, and Cyber-Attacks

One of the most critical challenges in developing digital wallets is ensuring robust security. Digital wallets store sensitive financial information, making them prime targets for hackers. Data breaches, fraud, and cyber-attacks are constant threats. Developers must implement advanced encryption methods, multi-factor authentication, and secure APIs to protect user data. Additionally, frequent software updates and vulnerability testing are essential to counter evolving security threats. Even a single security lapse can lead to a loss of user trust and severe financial damage.

User Trust: Building Confidence in the Security of Digital Wallets

A significant challenge in digital wallet adoption is gaining users’ trust. Consumers are naturally cautious about sharing sensitive financial information, especially with digital platforms. Developers must ensure their wallets demonstrate the highest level of security and transparency to convince users that their funds and personal data are safe. Features like real-time transaction alerts, the ability to instantly lock or disable cards, and transparent data usage policies can help build user confidence. A strong brand reputation and positive user experiences are also crucial in earning and maintaining trust.

Scalability: Handling Growing Numbers of Users and Transactions

As digital wallets gain popularity, the ability to scale becomes a pressing issue. Developers must ensure their platforms can handle increasing numbers of users and high transaction volumes without experiencing downtime or slow performance. The architecture of a digital wallet app must be designed for scalability from the start, allowing it to efficiently manage spikes in traffic, such as during peak shopping seasons. Cloud-based infrastructure, load balancing, and distributed databases are often employed to address scalability challenges. Failure to scale properly can lead to poor user experiences and lost revenue opportunities.

Real-World Examples of Digital Wallet Apps

Digital wallet apps have gained immense popularity, providing users with convenient and secure ways to manage their finances. Some well-known examples include PayPal, which allows users to make online payments, send money to friends and family, and shop at various merchants globally. Venmo, a subsidiary of PayPal, focuses on social payments, enabling users to split bills and share transactions with friends easily.

Apple Pay and Google Pay are mobile payment platforms that facilitate contactless transactions using NFC technology. They allow users to pay with their smartphones at retail locations and within apps.

Samsung Pay also offers features similar to and compatible with traditional magnetic stripe terminals.
Cash App is another popular choice for peer-to-peer payments, allowing users to send and receive money instantly and even invest in stocks or Bitcoin. Finally, Alipay and WeChat Pay are widely used in China, providing a comprehensive ecosystem for payments, online shopping, and various lifestyle services. These apps illustrate the diverse functionalities of digital wallets, catering to different user needs and preferences in the evolving digital finance landscape.

The digital wallet landscape is rapidly evolving, driven by technological advancements, changing consumer behaviour, and the increasing demand for convenient and secure payment solutions. As we look ahead, several key trends are emerging that will shape the future of digital wallets, transforming how consumers and businesses interact with financial services.

Integration with Emerging Technologies

Integrating emerging technologies like artificial intelligence (AI), machine learning, and blockchain is set to revolutionise digital wallets. AI and machine learning can enhance the user experience through personalised recommendations, fraud detection, and predictive analytics, enabling wallets to offer tailored promotions and security features based on individual spending habits. Additionally, blockchain technology can improve transparency and security in transactions, reducing the risk of fraud and enhancing trust among users. As these technologies mature, we can expect digital wallets to become smarter and more efficient.

Increased Focus on Security and Privacy

As cyber threats evolve, ensuring the security and privacy of digital wallet transactions will remain a top priority. Future digital wallets will likely incorporate more advanced security features, such as biometric authentication (fingerprint or facial recognition), tokenisation, and end-to-end encryption. Users will increasingly demand transparency regarding how their data is used and protected, prompting wallet providers to adopt stricter privacy policies. Furthermore, regulations like the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA) will influence how digital wallets handle user data, leading to enhanced compliance measures and increased user trust.

Expansion of Contactless Payments

The adoption of contactless payments has surged in recent years, accelerated by the COVID-19 pandemic. This trend is expected to continue, with more merchants implementing contactless payment technologies. Digital wallets will play a critical role in facilitating these transactions, allowing users to pay quickly and securely using their smartphones or smartwatches. As NFC technology becomes more widespread, consumers will increasingly prefer contactless payment options for convenience and speed, solidifying digital wallets as a central player in the payment landscape.

Growth of Peer-to-Peer (P2P) Payment Solutions

The popularity of peer-to-peer (P2P) payment solutions has demonstrated the demand for easy and instant money transfers. Future digital wallets will likely expand their P2P capabilities, offering seamless money transfers between users and integrating social features to facilitate transactions, such as bill splitting and group payments. As younger generations embrace these services, digital wallets that prioritise social interaction and ease of use will gain a competitive edge.

Cryptocurrency Integration

As cryptocurrencies gain mainstream acceptance, integrating cryptocurrency functionalities into digital wallets will become increasingly prevalent. Future digital wallets may allow users to hold, buy, sell, and transact in various cryptocurrencies, enabling them to take advantage of the benefits offered by digital currencies. This shift could create new opportunities for merchants and consumers as the acceptance of cryptocurrency payments expands. Additionally, as regulatory frameworks develop, digital wallets that support cryptocurrencies will need to navigate compliance requirements, further shaping the landscape.

Enhanced Financial Services and Features

The future of digital wallets is not limited to payment processing. They are expected to evolve into comprehensive financial services platforms that offer budgeting tools, expense tracking, investment options, and lending services. Users will be able to manage their finances from a single app, making digital wallets a one-stop shop for their financial needs. This trend toward holistic financial management will attract more users and enhance customer loyalty as consumers seek solutions that simplify their financial lives.

Expansion into Emerging Markets

As smartphone penetration and internet access continue to grow in emerging markets, digital wallets are poised for significant expansion. These markets present vast opportunities for wallet providers, particularly in regions with underbanked populations. Digital wallets can offer accessible and affordable financial services to individuals without traditional banking relationships, empowering them to participate in the digital economy. Companies that focus on tailored solutions for these markets considering local preferences and regulatory environments, will likely see substantial growth.

Regulatory Evolution

As digital wallets gain traction, regulatory scrutiny will increase. Governments and financial authorities worldwide will continue establishing regulations to ensure consumer protection, data privacy, and financial stability. Digital wallet providers must adapt to these evolving regulations while balancing innovation and compliance. Proactive engagement with regulators and adherence to best practices will sustain growth and foster consumer trust.

Conclusion

In conclusion, developing a digital wallet app presents both opportunities and challenges. Ensuring robust security, regulatory compliance, user trust, and scalability are all critical to the app’s success. By addressing these challenges head-on with innovative solutions and a user-first approach, developers can create digital wallets that meet the needs of today’s consumers and lay the foundation for the future of financial technology. A well-designed digital wallet app can revolutionise how users manage their finances, offering convenience, security, and efficiency in an increasingly digital world.

If you plan to launch a digital wallet app, reach out to the experts at Advapay to see how we can assist. We support payment service providers, money services businesses, and other fintech companies in obtaining the necessary registrations and licenses while delivering ready-to-use core banking solutions and white-label digital wallet apps. Contact us to learn more.

Advapay at stake:

How can Advapay can assist you in launching your fintech business?

• Assistance in EMI/PI licencing in the EEA/UK
• Registration of MSB company in Canada
• Delivery of a comprehensive Core banking system encompassing back-office and white-label applications for end-users
• Assistance in payment infrastructure development
• BaaS-solutions in collaboration with our partners – EEA/UK licenced EMIs and PIs\

Share this post