FinnoLab

Your Bank,
Your Wallet

FinnoWallet gives banks a shortcut to owning a competitive, bank-branded wallet without starting a multi-year wallet technology build from zero.

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  • Faster to market

    Start from a complete wallet platform.

  • Built around your bank

    Configure around your bank’s requirements.

  • Reduce development risk

    Build on established wallet technology.

Don’t build from zeroLaunch with FinnoWallet

Build a wallet from scratch

  • Design the entire platform
  • Develop core wallet capabilities
  • Build operational tooling
  • Develop integrations
  • Establish security & controls
  • Build merchant/agent capabilities
  • Maintain your own architecture
  • Higher upfront development risk
  • Longer path to market

Start with FinnoWallet

  • Start with a complete wallet foundation
  • Configure the capabilities you need
  • Operations platform included
  • Connect through APIs and integration layer
  • Built-in security and configurable controls
  • Merchant and agent ecosystems available
  • Deploy on a scalable platform
  • Reduce greenfield development risk
  • Accelerate launch

Built on FinnoWallet
Designed for your Bank

FinnoLab

FinnoWallet Core

Bank B
Bank A
Bank C

What’s in Your Control

FinnoWallet can be configured around local market requirements, institutional operating models, payment rails and regulatory obligations.

  • Brand
  • Features
  • Customer Journeys
  • Fees & Limits
  • Payment Rails
  • Integrations
  • Merchant Network
  • Agent Network
  • Risk Rules

What’s Already Built

Four operational surfaces in one connected ecosystem. Everything a modern wallet needs in one platform.

Consumer Wallet

  • Digital onboarding & identity verification
  • Wallet registration and account management
  • Cash-in and cash-out
  • Peer-to-peer money transfers
  • Bank-account and card connectivity
  • Merchant and QR payments
  • Bill payments
  • Mobile airtime and data top-ups
  • Transaction history, notifications, digital receipts
  • Rewards, promotions, vouchers, loyalty
  • Value-added financial and lifestyle services

Merchant Ecosystem

  • Merchant onboarding and management
  • Static and dynamic QR payments
  • Online and in-app payment acceptance
  • Transaction monitoring and reporting
  • Refund and reversal workflows
  • Settlement and reconciliation support
  • Merchant promotions, offers, loyalty campaigns
  • Merchant portal and operational dashboards
  • APIs and plugins for partner integration

Agent Network

  • Agent onboarding and hierarchy management
  • Cash-in and cash-out services
  • Assisted registration and servicing
  • Domestic money-transfer support
  • Bill payment and mobile top-up
  • Agent float and liquidity monitoring
  • Commission and fee management
  • Transaction limits and role-based controls
  • Agent portal and performance reporting

Wallet & Payment Operations

  • Customer, merchant, agent, partner administration
  • Product, fee, commission, and limit configuration
  • Transaction monitoring and exception handling
  • Settlement and reconciliation workflows
  • Dispute, refund, and case management
  • Campaign, loyalty, and promotion management
  • Biller and service-provider management
  • Operational dashboards and reports
  • Role-based access and maker-checker controls
  • Complete audit trails

Enhance Every Layer with FinnoLabs.AI

FinnoWallet can be enhanced with FinnoLabs.AI capabilities to create more intelligent operations and customer experiences.

Eight layers of FinnoLabs.AI wallet intelligence
  1. Personalized offers and next-best actions
  2. AI-assisted customer service
  3. Customer & merchant behavioral insights
  4. Fraud and anomaly detection
  5. Predictive agent-liquidity monitoring
  6. Intelligent transaction and case routing
  7. Churn and engagement analytics
  8. Operational forecasting & performance insights

Built by the team
behind AYA Pay

FinnoWallet is built by the team behind AYA Pay. We bring proven experience in consumer payments, merchants, agents and wallet operations into a configurable platform for financial institutions.

We've built and operated this kind of technology before. Now we've turned that experience into a platform your bank can deploy.

AYA Pay mobile wallet in dark and light themes

Request a Demo

Don't start from zero. Start with FinnoWallet. See how FinnoWallet could be configured for your bank.

Schedule a Consultation