Banking

Providing Mobile and Branchless Banking Solutions

Our solution enables banks to provide their customers with a full range of mobile financial services, without the need for data connection nor an actual branch. Our software acts as a layer that sits on top of the bank’s core system enabling rapid and secure financial transactions. Customers can make payments, engage with bank representatives, and apply for loans, among other modern banking services.

Sample SaaS Services that can be incorporated in our Banking Sector Solution

Financial

Digital Financial Services and products

  • Micro loans
  • Credit scoring
  • Value chain based credit
  • Bill payment
  • Mobile money / wallet
  • Micro-insurance
  • Remittances
  • Virtual POS
  • Cash-less Ecosystems

Engagement

Increase agent and customer engagement

  • Agent and customer loyalty
  • Agent empowerment
  • Gamification strategies
  • Interactive services
  • Digital forums
  • User visibility & incentives
  • Customer support - claim submission

Knowledgebase

Searchable Info
 users can access 
at any time

  • Agent Search
  • Financial Education
  • Product Catalogue
  • Policy Information
  • Product Comparisons
  • Frequently Asked Questions

Supply Chain & Distribution

Value chain process automation

  • Cash-less Ecosystems
  • Smart logistics
  • Payment automation
  • Digital payroll
  • Analytics based optimization

Analytics & BI

Value chain process automation

  • Real-time collection
  • Monitoring
  • Analysis & reporting
  • Business analytics

Push Information

Notifications sent to users in real time

  • Loan reminders
  • Saving tip
  • Policy updates
  • Price changes

Partner Services

Easily integrate 3rd party services

  • Agent and customer loyalty
  • Agent empowerment
  • Gamification strategies
  • Interactive services
  • Digital forums
  • User visibility & incentives
  • Customer support - claim submission
Use case

Branchless Banking - Indonesia’s Bank Tabungan Pensiunan Nasional (BTPN)

With over 3.5 million customers and over 180,000 banking agents, BTPN is Indonesia’s leading bank focused on driving financial inclusion in the mass market.
N-Frnds provides the digital infrastructure for BTPN’s branchless mobile banking system and agents’ network with services such as:

  • Mobile financial services (e.g. Pico-Loan, credit scoring, transfers and payments)
  • Product catalogue/agent search
  • Interactive communication and group forums
  • Customer and agent engagement
  • Loyalty and gamification strategies
  • Value chain automation for large enterprises
  • Virtual PoS (digital invoices and receipts generated)
  • Weekly and Daily Analytic Reports

Learn about our other solutions