Accelerating Digital Finance Adoption Through a Unified Wallet & Lending Ecosystem for One of Africa’s Largest Banks

December 10, 2025

Business Problem

The client, a leading financial institution in Africa, wanted to modernize its digital financial services to become more cost-effective, scalable, and operationally efficient. Their existing systems limited their ability to serve customers with fast, secure, and flexible financial products.

They needed a unified solution that would enable them to:

  • Launch Mobile Money Wallet and Digital Lending services for both new and existing customers through multiple channels.
  • Build strong merchant management and agent management capabilities to extend digital financial services to unbanked and underbanked communities, including rural populations.
  • Replace fragmented systems and manual processes with a single, agile digital banking platform that supports future growth.

Business Analysis

A detailed assessment highlighted key operational and technological challenges. The bank’s legacy systems could not support modern digital wallet and lending journeys, limiting scale and speed. There was a strong need for an omni-channel ecosystem to serve both smartphone and feature-phone users across mobile app, USSD, web, POS, and ATM.

The institution also required streamlined merchant and agent management to expand outreach to unbanked and underbanked customers, along with real-time reporting and a platform capable of launching new digital products quickly and securely.

PureSoftware’s Solution

PureSoftware deployed Arttha, its award-winning digital banking and lending platform, to help the bank launch a comprehensive suite of financial services on a unified platform.

Key solution components included:

  • Digital Wallet & Digital Lending: Enabled the bank to deliver wallet services, nano-loans, credit scoring, and repayment journeys to both retail and merchant customers.
  • Merchant & Agent Management: Empowered the bank to onboard and manage merchants and agents digitally, expanding outreach to underbanked and unbanked populations.
  • Omni-Channel Enablement: Arttha provided seamless service delivery across mobile app, web portal, USSD, POS, ATM, and other channels—making services accessible to both smartphone and feature-phone users.
  • QR-Based Payments & Value-Added Services: Enabled interoperable payments and introduced new digital transaction types to enhance customer engagement.
  • Scalable Cloud-Ready Architecture: The implementation ensured faster rollout of new products, improved operational efficiency, and long-term scalability.

This converged solution positioned the bank to accelerate digital adoption and deliver superior customer experiences across Africa.

Results

  • Expanded Digital Reach Delivered digital wallet, lending, and payment services to urban, rural, unbanked, and underbanked customers through a unified omni-channel platform.
  • Seamless Core Migration Successfully transitioned from legacy systems, enabling real-time financial reporting and automated business processes.
  • Rapid Customer Onboarding Onboarded 700,000+ customers, significantly accelerating digital adoption.
  • High Transaction Throughput Processed 200,000+ transactions, showcasing platform scalability and stability.
  • Perfect Migration Accuracy Achieved a 100% success rate in data migration, ensuring secure and error-free system transformation.
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