BankBuddy Smart Digital Wallet
AI powered, Frictionless, Embedded, Personalized & Secure Digital Wallet. Deploy your private label smart digital wallet in 6 weeks with 70% faster deployment and 50% lower cost per transaction.
Smart Digital Wallet 3.0
Be at the forefront of the revolutionary change. Eliminate friction points and offer a complete, secure, flexible, enterprise-grade omni-digital wallet.
AI Efficiency
AI powered smart wallet with NLP, computer vision and recommendation engine for enhanced engagement and lowest cost to serve
Configurable
Flexible wallet configuration with support for open, closed and semi closed wallets. Ecosystem entities - Agents, Merchants & Corporates.
Multi X
Support for multiple payment rails, currencies, entities, languages, and algorithms for charges, commissions, interests, and fees.
Omni-Digital
Omni digital wallet solution across web, mobile app, WhatsApp, Facebook, Twitter, Zalo, Line, Amazon Alexa, Viber, and API
Go Live in 6 Weeks
Leverage BankBuddy Smart Digital wallet for multi-fold increase in your customer base with inbuilt AI engine, multi-factor authentication, and frictionless secure transactions.
Comprehensive Payment Options
Interoperability across multiple payment rails: P2P, Merchant, Billers, EFT, RTGS, Cash in/out, Request to pay, Invoice to pay, cardless withdrawal, cross border payments
Multi-Payment Rails
Pre-integrated with major networks and PSPs like Mastercard, Visa, Discover, and AMEX. Store and manage multiple bank accounts and payment methods in one platform.
Merchant Onboarding & Management
Complete merchant in-app/web registration, manage QR codes, user management, analytics & reports, configure charges and limits under merchant portal
Cardless Withdrawals
Enable digital wallet users to conveniently encash/transfer wallet balance anywhere anytime with just a phone number
QR Pay
Easy and secure payments via static, dynamic, and embedded QR codes for merchants, SMEs and retail customers. Self service QR generation portal for merchants
Security
Flexible authentication levels - risk based, amount based, secure UID/PIN, explicit login/logout, MFA and inactivity based timeout, configurable OTP
Cross Border Payments
Offer friction-free inward & outward digital remittance services through wallets. Enable customers to send & receive money with just a mobile number
Loyalty & Rewards
Engage digital wallet customers with personalized discounts, cashback, bonus points and rewards using a dynamic customer persona
BankBuddy QR Pay
Seamless & secure transactions with QR Pay Solution. Frictionless payments across multiple payment rails (Accounts, Wallets, Card networks) to gain competitive edge.
Comprehensive QR Pay
Easy and secure payments via static, dynamic, and catalog QR codes for merchants, SMEs, and retail customers.
Interoperability
Easily interoperable with major networks and PSPs like Mastercard, Visa, Stripe, AMEX etc.
Merchant Management
Manage merchant lifecycle - self-onboarding, settlement accounts, QR code management, real-time payment tracking, reports & analytics.
Security
Secure onboarding, flexible limits, risk based authentication - compliant with standards like EMVCO & ISO 18004
Revolutionize Payment Experience
Experience exponential growth with BankBuddy's static, embedded and catalogue QR codes, merchant SDKs, web catalog, and flexible configurations.
Multiple Payment Rails
Interoperability across Card Networks, Telco wallets/Mobile money, Accounts, EFT, RTGS, cross-border payments et al.
Merchant Self Service
Streamline the entire merchant lifecycle with self-onboarding, QR code generation, and real-time payment tracking.
Omni Channel
Multiple touchpoints for wider reach - Browser, WhatsApp, Mobile Apps for frictionless payments & increased engagement.
Pay by Account
Ensure merchant and customer stickiness with lowest fees, frictionless experience, instant settlement & highest security.
Cost Effective
Replace expensive POS infrastructure with soft POS. Save operational costs with automated reconciliation, settlement, and reporting.
Embedded Finance
Align with your customer/merchant value chain with embedded catalogue QR SDK/API for frictionless checkout.
Smart Payments & Transactions
Wallet Configurations
Supports open, closed, and semi-closed wallet options.
Universal Payments
Enables P2P payments, Bill Payments, Top-Up/Recharges, and Request to Pay (R2P).
Flexible QR Pay
Comprehensive QR Pay options including generation and acceptance of Dynamic QR and Static QR codes.
Multi-Payment Rail
Supports transactions across Multiple Payment Rails for cash-in and cash-out operations.
Cross-Border & Currency
Facilitates seamless Multi-Currency Wallet functionality and dedicated XChange solutions for cross-border transactions.
Intelligent Insights & Loyalty
AI-Powered Recommendations
Uses Predictive & Generative AI models for high-conversion cross-sell, up-sell, and churn prevention.
Dynamic Engagement
Leverages dynamic segmentation, propensity analysis, and peer persona mapping for precise campaign targeting.
Automated Rewards
Features Cashback and Referral Programs that offer instant rewards and enable Loyalty Point Redemption for daily transactions.
Actionable Spend Insights
Provides clear Transaction History and Spend Analytics for income vs. expenditure and money flow analysis.
Configurable Core & Operations
Configurable Financial Core
Total control over the General Ledger (GL) and all financial parameters, including Charges, Fees, Commissions, and transaction limits.
Granular Limit Management
Define transaction and holding limits based on user type, KYC Level, amount, frequency, and transactional history.
Ready to Transform Your Digital Wallet?
Join leading banks using AI-powered wallets to deliver exceptional customer experiences.
Schedule a Demo