Seize the Digital Payments Opportunity with Mobile Wallet

Mobile Wallet - Usage

Attract & Retain Customers in the Digital Era

Increase customer satisfaction with seamless digital payment experiences P2P, in-store, and online. 


Expand Customer Base

Grow your customer base exponentially without investing in costly branch and ATM infrastructure.


Generate New Revenue

Drive card usage & spending. Monetize on new business models, aggregating value-added services from your ecosystem.


Reduce Costs

Reduce customer acquisition and transaction costs. Utilise lower electronic money account barriers.


Accelerate Financial Inclusion

Extend financial services to the bottom of the pyramid via USSD devices.

Enterprise-grade Mobile Wallet Platform

Completely customizable to your business case

Mobile Wallet - Screens

Superb Experience Customers Enjoy

Customer-centric UX end-to-end. Self-onboarding in minutes, saving time from branch visits. Provides users with a transactional account with rich payment instruments and additional services.


P2P, Contactless Payments & More

Enables customers to send and receive money instantly P2P, C2B, B2B or G2C. Offers contactless in-store payments with QR or NFC, e-commerce, split-bill, request from  friend, cash-out, bank transfers, etc.


Value-added Services

Helps you differentiate by aggregating value in your digital ecosystem - insurance, digital loans, savings, bill payments, remittances, rewards, promotions, etc.


Superior Security

Customer identity verification with flexible KYC, biometrics and more. Provides transaction authentication, encryption, and tokenization of cards and payments.

Supporting Flexible Digital Wallet Models

Card Wallet for Banks


Empower customers to digitalize their cards for NFC and QR payments in-store, online purchases, P2P transfers, etc. Enable them to store and manage their debit and credit cards, be it from your institution or from other issuers. Issue virtual cards in seconds.

Stored Value Account Wallet


Keep funds in a closed ecosystem to reduce costs and increase convenience. Expand services to more customers via low-KYC accounts. Stored Value Accounts (SVA) maintain a current balance in the wallet and perform instant transfers in a closed-loop system.


Bank Account Wallet


Link the wallet directly to a person’s bank account. In this scenario, money is moved from one bank account to another. Leverage any available real-time payment infrastructure, such as the SEPA Credit Transfer Scheme in Europe.


Wallet Payments Diagram



Mobile Wallet Whitepaper Cover

Whitepaper: 10 Top Business Drivers to Launch a Mobile Wallet

Тhe e-wallet opportunities you can’t afford to miss! From new business models like Marketplace, SuperApp, PaaS, to merchant acquisition, customer engagement, and more. Explore our practical guide for enterprise decision-makers.

Download Whitepaper

Offer a Rich Portfolio of Mobile Financial Services

Mobile Wallet - Banks


Go to market fast with exceptional mobile payment experiences, successfully rivaling Fintechs and neobanks.


Mobile Wallet - Credit Unions


Retain members through a range of modern digital financial services without replacing costly systems.


Mobile Wallet - MFI


Extend financial services to the bottom of the pyramid while improving convenience for customers (for both USSD and smart devices).


Mobile Wallet - Public Sector


Securely onboard beneficiaries and disburse funds in bulk, directly or via agents.


Mobile Wallet - Telcos


Attract more customers and diversify income by entering into mobile financial services.


Mobile Wallet - Payment Aggregators


Enable self-service transfers for customers via mobile and reduce agent costs.


Be a Forerunner in the Digital Payments Ecosystem

Mobile Wallet is an extremely flexible platform which can serve various API-led digital wallet business cases.


From new business models like Marketplaces, multi-tenant Wallet Platforms as a Service, ecosystem-driven Super Apps, to merchant acquisition, and more.


Reinvent your business by becoming a platform provider, a central role which integrates the different players in the financial services ecosystem. 



Mobile Wallet Brochure

The Mobile Wallet Solution at a Glance

Today, it takes customers just a few taps to switch to a new financial service provider. Software Group's Mobile Wallet helps financial institutions utilize digital opportunities, retain and grow customer base in the digital era.

Download Brochure

A Digital Transformation Platform in Action.

The Mobile Wallet Solution is built on DigiWave Enterprise Digital Banking Platform - the foundation of a future-proof digital journey.

Mobile Wallet - Availability

One-stop, flexible digital wallet platform

Rich wallet functionality built on a powerful platform that can cater for all your digital financial service needs. Completely customizable to your brand, serving your business case.

Mobile Wallet - Frictionless Payments

Frictionless 24/7 payments across the ecosystem

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

Mobile Wallet - Centralized Management

Centralized Management. Multi-country. Multi-tenant

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

Mobile Wallet - UX Design

UX design expertise

Leverage Software Group’s UI and UX design team expertise in creating engaging digital financial service journeys, personalised for your end customers.

Mobile Wallet - Seamless Integrations

Seamless Integrations

Reuse existing infrastructure and easily integrate with your CBS. Alternatively, use Mobile Wallet as a standalone platform. Connects with any third-party system. PSD2 and GDPR compliant.

Mobile Wallet - Workflows

Configurable forms and workflows

Easily configure your own forms. Customize your own or use out-of-the box workflows. Digitize, automate and streamline all processes.

Customer Highlights

Mobile Wallet - Atlantic Bank

Digital transformation and expansion
in Central Africa

Atlantic Bank Cameroon offered its customers superior cashless financial services through mWallet with the goal to reach 1 million customers in the first year. Our platform infrastructure enabled strong differentiators, such as the building of a unified digital banking & insurance ecosystem integrated within the wallet.

Mobile Wallet - Botswana Post

Building Botswana’s modern
digital economy

Botswana Post uses Software Group’s Agency Banking and mWallet solutions to serve the widely dispersed government pensioners in the country. mWallet works across 1000 biometric POS terminals, saving time and increasing convenience for 115 000 retirees, with a goal to reach 500 000 in 3 years time.



Why Choose Software Group?

Mobile Wallet - DigiWave Platform

Mobile Wallet is built on DigiWave - Enterprise Digital Banking Platform, enabling your growth in the digital era.

Mobile Wallet - Scalable implementation
Quick-to-market, scalable implementation with fast positive ROI. Cloud, on-prem or hybrid.
Mobile Wallet - Global Experience

Over 10 years of global experience with 200+ customers in over 70 countries



Deliver a rich portfolio of financial services and payments
anytime, anywhere. Start with Mobile Wallet.