SOFTWARE SOLUTIONS

Utiba Mobility is a fully integrated and comprehensive mobile financial services software platform that readily integrates with mobile network operators systems, banking infrastructure, and third party systems. End users can access the platforms’ services through all existing mobile technologies and a web portal.

TECHNOLOGY

Utiba’s platform provides an end to end mobile financial services system unlike any other in the market, with the following benefits:

• Comprehensive platform

• Customization

• Easy integration

• Regulatory compliance

• Scalability

Comprehensive platform

The Utiba platform permits a wide variety of services such as Top-up, Mobile Banking, Micro Financing, Micro Payment, Mobile Remittance and Mobile Commerce services, which can extend to digital and tangible goods, services and utilities. The platform can even support sales, real-time campaigns and promotions through an available Loyalty engine.

Customization

Utiba’s powerful transaction engine allows for easy customization of the platform to mirror business processes, create an endless hierarchy of agents, users or groups of users, all with different fee and commission structures. It can even manage different taxation regimes.

Integration

Utiba has developed and deployed SOAP interfaces and open APIs to facilitate rapid and smooth integration with merchants and any other ecosystem partners, including banks. An ISO 8583 interface exists to facilitate banking integration. Utiba’s platform has been integrated with more than 20 different IN vendors and SMSCs.

Regulatory Compliance

The powerful Rules Engine in the Utiba platform has permitted compliance with regulatory regimes in over 30 countries worldwide. Velocity controls, Cap sets and limits, and system access and usage limits are a few commonly utilized types of rules.

Scalability/ Reliability

Utiba’s 40+ global deployments and 12 billion transactions processed annually underscore the company’s

robust technology, also reflected in its 99.999% availability.

mComm Tutorial
How are international remittances done over the mobile phone?

In 2008, according to World Bank estimates, migrant workers in developed countries transferred funds amounting to USD 400 billion back home to their friends and families. An equal if not larger amount is believed to have changed hands via unauthorized remittance channels like Hawala or Hundi systems. The sheer size of the market creates opportunities […]