Agent & Field Banking
Comprehensive branchless banking platform with agent network management, mobile money integration, field operations, and regulatory agent banking compliance for Africa's financial inclusion.
Agent Network Management
Recruit, onboard, and manage branchless banking agents across Africa
Agent Recruitment & KYC
Comprehensive agent onboarding with National ID verification, trade license checks, and business location validation
Agent Categorization
Multi-tier agent structure from kiosk agents to super-agents with cascading commission and float management
Geo-Location Tagging
GPS-based agent location tracking with coverage area mapping for branch expansion planning
Device Registration
Register agent POS terminals and mobile devices with IMEI tracking and device lock/unlock controls
Float Authorization
Set agent cash and e-money float limits with dynamic limit adjustment based on transaction volume
Performance Monitoring
Real-time dashboards tracking agent transaction volumes, success rates, and customer complaints
Mobile Money Integration
Mobile money interoperability for deposits and withdrawals
Mobile Money API
Direct integration with mobile money providers for account-to-wallet transfers and wallet-to-account deposits
Mobile Money Operator API
Real-time mobile money integration for cash-in and cash-out transactions in local currency
Transaction Reconciliation
Automated matching of mobile money transactions with agent float and customer account updates
E-Money Regulatory Compliance
Full compliance with electronic money regulations for mobile money partnerships
Interoperability Support
Cross-network transfers between mobile money providers via national interoperability switches
Wallet Linking
Link customer bank accounts to mobile money wallets for seamless fund transfers
Field Operations & Collections
Mobile-first field banking with offline transaction capability
Offline Transaction Mode
Queue transactions locally during network outages with automatic sync when connectivity returns
GPS-Tagged Collections
Every field transaction stamped with GPS coordinates and timestamp for audit trail
Customer Visit Tracking
Field officer route planning with scheduled customer visits and visit completion tracking
Biometric Authentication
Fingerprint capture for customer identification and transaction authorization in the field
community savings group Collections
Mobile collection interface for community savings group contributions with group member attendance tracking
Field Cash Management
Track field officer cash holdings with beginning/ending cash counts and vault deposit workflows
Cash-In / Cash-Out Operations
Agent-facilitated deposit and withdrawal transactions
Customer Deposit (Cash-In)
Agents accept cash deposits and credit customer accounts in real-time with SMS confirmation
Customer Withdrawal (Cash-Out)
Agent-facilitated withdrawals with OTP verification and daily customer withdrawal limits
Agent Float Management
Real-time tracking of agent cash position with low-balance alerts and float rebalancing
Transaction Limits
Per-transaction and daily limits for cash-in/cash-out based on agent tier and customer KYC level
Receipt Generation
Instant digital and SMS receipt for every transaction with transaction ID and agent details
Reversal Workflow
Agent-initiated reversal requests with supervisor approval and customer notification
Commission & Incentive Management
Automated agent commission calculation and payout in local currency
Tiered Commission Structure
Define commission rates by transaction type, value bands, and agent performance tiers
Real-Time Accrual
Commission earned accrued instantly on transaction completion with running balance visibility
Monthly Payout Cycle
Automated monthly commission payout to agent accounts with detailed commission statement
Performance Bonuses
Volume-based incentives for agents exceeding monthly transaction or customer acquisition targets
Commission Deductions
Automatic deduction for chargebacks, reversals, and penalty fees from commission balance
Commission Reports
Agent-level and network-wide commission analytics with trend analysis and forecasting
Agent Banking Compliance & Reporting
Agent banking regulations and central bank reporting
Agent Banking Regulatory Norms
Full compliance with regulations on agent banking and branchless banking operations
Agent AML/CFT Screening
Continuous monitoring of agent transactions for suspicious patterns and AML/CFT compliance
E-Money Regulatory Returns
Automated submission of electronic money transaction reports to central banks per regulatory schedule
Agent Activity Reports
Daily, weekly, and monthly agent activity summaries for internal audit and regulatory inspection
Customer Complaint Tracking
Centralized complaint logging with agent investigation workflow and resolution SLA tracking
Geographic Expansion Analysis
Coverage maps showing agent density and underserved areas for strategic network expansion
See Agent Banking in Action
Schedule a personalized demo to see how TIKARI manages agent networks, mobile money integration, field operations, and regulatory agent banking compliance for Africa's branchless banking needs.