Mobile Banking Solution


Next-Gen Mobile Banking Solution

Empower your customers with our robust, secure, and scalable mobile banking solution. Stay competitive, meet tech-savvy customer needs effortlessly. Elevate banking experiences today!

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Mobile Banking Made Simple

Bring convenience and accessibility to your customers’ fingertips. Make mobile banking not just convenient but incredibly simple:

  1. Ease of use
  2. Tailor to match your institution’s branding
  3. Personalize the user experience for your customers.
  4. Easily accommodate a growing number of users and increasing transaction volumes without compromising performance or functionality.
  5. Robust security measures (e.g., encryption, multi-factor authentication, fraud detection, etc.).

Everything Your Customers Can do with Our Mobile Banking Solution

Our mobile banking solution offers your customers a comprehensive range of features and functionalities:


  • Balance Enquiry
  • Mini-statement
  • Forex rates
  • Loan Balance
  • Transaction history

Bill payments

  • KPLC
  • GOTV
  • DSTV
  • ZUKU
  • Star Times

Funds Transfer

  • Mobile money / wallet to account
  • Account to mobile money
  • Account to Account
  • MVisa
  • Pesalink by K3A

Mobile Lending

  • Agri lending
  • Micro Loans


  • Debit transactions
  • Credit transactions


  1. Customer
  2. Registration
  3. Customer Profile
  4. Management
  5. MIS Reporting

We aim to cover all aspects of banking services that help you enhance customer satisfaction.

Group Lending Financial Model

Provide your customers with a solution that enables them to form lending groups, define their roles, apply for a loan, and repay the loan.

  1. Group Formation
  2. Loan Application
  3. Loan Approval and Disbursement
  4. Repayment Management
  5. Group Performance Monitoring

Key Use Cases for Your Banking Services

  1. Sacco Level
    1. Account Management: Members can view their account balances, transaction history, and statements.
    2. Savings and Investments: Members can deposit funds, create savings accounts, and manage investment portfolios.
    3. Loans and Repayments: Members can apply for loans, track loan status, and make loan repayments.
    4. Bill Payments: Members can pay bills, utilities, and subscriptions directly from their mobile devices.
    5. Group Lending: Members can form lending groups, apply for group loans, and manage group loan repayments.
  2. Bank Level
    1. Account Services: Customers can access and manage their bank accounts, perform transactions, and view statements.
    2. Payments and Transfers: Customers can make payments, transfer funds between accounts, and initiate domestic and international transfers.
    3. Card Management: Customers can activate, block, or replace their debit or credit cards through the mobile app.
    4. Bill Payments: Customers can pay bills, utilities, and subscriptions directly from their mobile devices.
    5. Loan Applications: Customers can apply for loans, track loan status, and make loan repayments.
  3. Microfinance Banks Level
    1. Group Lending: Customers can form lending groups, apply for group loans, and manage group loan repayments.
    2. Savings and Deposits: Customers can open savings accounts, make deposits, and earn interest on their savings.
    3. Microinsurance: Customers can access microinsurance products and manage their insurance policies.
    4. Bill Payments: Customers can pay bills, utilities, and subscriptions directly from their mobile devices.

Mobile Banking Utilities Specification Per Country

Integration with major utility companies for seamless bill payments.

  • Kenya
    • Water bills: Nairobi Water and Sewerage Company
    • TV and internet bills: Zuku, Safaricom Home Fibre
    • Mobile network bills: Safaricom, Airtel, Telkom
    • DStv, GOTV, Star Times and Zuku TV subscriptions
    • Nairobi County parking fees
    • Electricity bills: KPLC token purchase for prepaid electricity
  • Tanzania
    • Electricity bills (e.g., TANESCO)
    • Water bills (e.g., Dawasco)
    • TV and internet bills (e.g., Multichoice Tanzania, Zuku)
    • Mobile network bills (e.g., Vodacom, Airtel, Tigo, MTN)
    • DStv and Azam TV subscriptions, etc.
    • TANESCO token purchase for prepaid electricity
    • Government payments (e.g., taxes, fees)
  • Uganda
    • Electricity bills (e.g., Umeme)
    • Water bills (e.g., National Water and Sewerage Corporation)
    • TV and internet bills (e.g., DSTV, Zuku, Startimes)
    • Mobile network bills (e.g., MTN, Airtel, Vodacom, Africell)
    • URA (Uganda Revenue Authority) tax payments
    • NWSC token purchase for prepaid water
    • School fees payments (some schools accept mobile payments)
  • Rwanda
    • Electricity bills (e.g., Rwanda Energy Group)
    • Water bills (e.g., WASAC)
    • TV and internet bills (e.g., DSTV, Startimes, Liquid Telecom)
    • Mobile network bills: MTN, Airtel, Vodacom, Tigo)
    • RRA (Rwanda Revenue Authority) tax payments
    • Tigo Cash and MTN Mobile Money bill payments
    • Health insurance premiums (e.g., Mutuelle de Sant√©)
  • Zanzibar
    Integration with mobile money platforms:
    • Zantel Mobile Money
    • Tigo Pesa
    • Airtel Money
    • Vodacom
    • MTN
  • Myanmar
    • Electricity bills (e.g., Yangon Electricity Supply Corporation)
    • Water bills (e.g., Yangon City Development Committee)
    • TV and internet bills (e.g., Skynet, CANAL+)
    • Mobile network bills (e.g., MPT, Telenor, Ooredoo, My Money, Wave Money)
    • Tax payments (e.g., Internal Revenue Department)
    • Ooredoo Money and Wave Money bill payments
    • Top-up mobile airtime for various networks

Optimal Practices We Adhere to

We adhere to the highest industry standards to ensure a secure and reliable solution. We prioritize:

    1. Data encryption
    2. Multi-factor authentication
    3. Secure APIs
    4. Rigorous security audits


To Protect Your Customers’ Information

Our solution is designed to comply with regulatory requirements, providing your customers a safe environment for banking transactions.

Benefits your Business will Secure with Our Mobile Banking Solution

By implementing our mobile banking solution, your business can reap numerous benefits, including:

  1. Increased Customer Engagement by up to 60% through seamless access to your essential banking services.
  2. Witness a remarkable 40% expansion in market reach by successfully tapping into a wider customer base that favors the convenience of digital banking channels.
  3. Experience substantial cost savings of up to 25%. No physical branches or manual processes. Optimize operational expenses for your institution.
  4. Set your institution apart from competitors. Achieve a competitive edge with a notable 50% higher customer acquisition rate with our comprehensive and user-friendly mobile banking solution.

Revolutionize Your Mobile banking services!

Elevate customer experience with Tera Mobile. Empower your institution’s future in digital banking.

Contact us today!