Digital Banking


Digital Banking offers feature-rich personalized omni-channel banking for a smoother customer experience.

Our products are designed as a banking solution to accelerate your digital transformation. Whether retail, corporate, small business or youth customer segments,

TeamApt Digital Banking platforms allow you achieve a true omni-channel strategy including deployment of intelligent and scalable back office systems to automate your digital business operations for superior customer experience and reduced costs.

Moneytor is an end-to-end solution which completely which automates your business processes, acquirers need to perform, acceptance of collections from merchants, from onboarding to settlement, to arbitration and to retirement. Moneytor provides solutions for Corporate, Retail and Merchant Banking.
All features of Moneytor are available on both web and mobile interfaces.

Retail Banking Features:
  • Complete self on-boarding for personal or business accounts. Self on-boarding also covers creation of wallet and card accounts, Sign Up referral and Live Chat support.

  • User login (single and multiple methods).

  • Configuration of preferred login method.

  • Password and PIN recovery.

  • Quick transactions without login including mVisa, Paycode, masterpass, airtime, transfe…

Corporate Banking features:
  • Complete self on-boarding and self app profile reactivation. Self on-boarding also covers Incremental registration (detailed notice of status of registration), In-app demo, onboarding communication & support, fund account with card.

  • Security and Fraud checks, Authentication and Authorization, User login (single and multiple methods), Configuration of preferred login method, Password and PIN recovery, Panic PIN pre-configuration, One-Time passwords for authorization, Password Resetting opt...

Merchant Banking Features:
  • On-boarding for business accounts.

  • Profile account reactivation.

  • Collection Management - Request for collection channel (POS, Web payment gateway, USSD payment, QR payment channel). Monitoring income from collection, reconciling settlement reports with account statements.

  • Trade - Letter of credits, Form Q, Form M, Form A etc.

  • Real time Currency Converter...

Retail Banking Features
  • Complete self on-boarding for personal or business accounts. Self on-boarding also covers creation of wallet and card accounts, Sign Up referral and Live Chat support.

  • User login (single and multiple methods), Configuration of preferred login method, Password and PIN recovery.

  • Quick transactions without login including mVisa, Paycode, masterpass, airtime ,transfer and bill payments,

  • Theme selection

  • Account management (view accounts & transactions, search and filter past transactions, generate and share receipts, download account statements, open additional personal or business account, initiate disputes, account blocking and unblocking, account dormancy notification and reactivation, account funding via card).

  • Live support via social media platforms, live chat with customer care, launch calls to customer care, improved play store/app store ratings, In-app feedback transactions.

  • Transfers (Interbank and Intrabank transfers), frequent transfers beneficiary management ( add, delete, SMS notifications), view transfer history, Local & International transfers (Scheduled, Recurring and Immediate), bulk transfers to multiple beneficiaries.

  • Airtime/Data recharge & Bill (school fees inclusive) payments for self & others (Scheduled, Recurring and Immediate), frequent airtime/data & beneficiary management , generate airtime/data & bill payment history, bulk data/airtime transfers & bill payments to multiple beneficiaries.

  • Card management - Card request & delivery, Credit card request, Channel Control: enable/disable card per channel, Card block and unblock, Travel Control: Enable/disable card per region/country, Transaction limit per channel, Card Transactions, Card expiration notification & replacement, Virtual Card Generation

  • Savings & Goals - Lockdown Savings, Flexible Savings, Graphical view of savings goals

  • Cardless withdrawals with code and PIN

  • Personal Finance Manager - Expense tracking, Transaction tracking and Budgeting

  • Real time Currency Converter

  • Lifestyle - Buy movie tickets, events tickets, food, flight tickets. Make church payments, HMO payments, fund betting wallets.

  • Loans - Salary advance, Salary advance top up, Micro-loans

  • Investment options - Stocks, Treasury bills & bonds, Fixed & call deposits

  • Bank branch & ATM locator, direct customer conversation/Push notifications

  • Finance Calendar - Upcoming payments (Transfer, Airtime, Bill Payment), Purchased movie/event/flight time, Bank authored event time, Birthday & Anniversary, Public holidays, Savings deposit dates & target dates.

  • Requests- Personal travel allowance (PTA), Request for FX transfer (Interbank, Intrabank & International), Pre-confirmation of e-reference letter, Request for reference letter & letter of indebtedness, Request for cheque books & drafts, Request for loan statement, Request for hard token Request for email indemnity

Corporate Banking Features
  • Complete self on-boarding and self app profile reactivation. Self on-boarding also covers Incremental registration (detailed notice of status of registration), In-app demo, onboarding communication & support, fund account with card.

  • Security and Fraud checks, Authentication and Authorization, User login (single and multiple methods), Configuration of preferred login method, Password and PIN recovery, Panic PIN pre-configuration, One-Time passwords for authorization, Password Resetting options, location based blocking feature, notification of Login.

  • Dashboard Account management (view accounts & transactions, search and filter past transactions, generate and share receipts, download account statements, open additional personal or business account, initiate disputes, account blocking and unblocking, account dormancy notification and reactivation, account funding via card).

  • Live support via calls, social media platforms, live chat with customer care, launch calls to customer care, improved play store/app store ratings,WhatsApp Chat & FAQs, In-app feedback transactions.

  • Payments & Remittance: Salary payment & employee management, Tax payment, Multiple transfers, Transaction receipts, Transaction receipts for Payee, Frequent transaction, Transaction history, Vendor management and payment, transparency show charges.

  • Investment options - Stocks, Treasury bills & bonds, Fixed & call deposits.

  • Loans - Salary advance, Salary advance top up, Micro-loans.

  • Card Management - Card request & delivery, Credit card request, Channel Control (enable/disable card per channel), Card Block, Travel Control (Enable/disable card per region/country), Transaction limit per channel, Card Transactions, Card expiration notification & replacement, Virtual Card Generation.

  • Real time Currency Converter.

  • Payments - Vendor, Employee, Tax and Pension.

  • Trade - Letter of credits, Form Q, Form M, Form A etc.

  • Requests - Business travel allowance (BTA), Request for FX transfer (Interbank, Intrabank & International), Pre-confirmation of e-reference letter, Request for reference letter & letter of indebtedness, Request for cheque books & drafts, Request for loan statement, Request for hard token, request for email indemnity.

  • Bank branch & ATM locator, direct customer conversation/Push notification.

  • Finance Calendar - Upcoming payments (Transfer, Airtime, Bill Payment), Purchased movie/event/flight time, Bank authored event time, Birthday & Anniversary, Public holidays, Savings deposit dates & target dates.

  • Collection Management - Request for collection channel (POS, Web payment gateway, USSD payment, QR payment channel). Monitoring income from collection, reconciling settlement reports with account statements.

Merchant Banking Features
  • On-boarding for business accounts.

  • Profile account reactivation.

  • Collection Management - Request for collection channel (POS, Web payment gateway, USSD payment, QR payment channel). Monitoring income from collection, reconciling settlement reports with account statements.

  • Trade - Letter of credits, Form Q, Form M, Form A etc.

  • Real time Currency Converter.

  • Investment options - Stocks, Treasury bills & bonds, Fixed & call deposits.

  • Loans - Salary advance, Salary advance top up, Micro-loans.

  • Payments - Vendor, Employee, Tax and Pension.

  • Live support via social media platforms, live chat with customer care, launch calls to customer care, improved play store/app store ratings, In-app feedback transactions.

Automate E-banking processes such as settlements, reconciliations and dispute resolutions with Profectus across all banks products and channels from several providers including ATM, Mobile, Web, QR and POS for all their payments service providers. All features of Profectus are only available on web channel.
Profectus Back Office Operations Automation features:

Settlements:

Profectus automatically connects to all the data sources of the different service providers, loads the report files, extracts the transaction content, calculates the principals, fees, commissions and...

Reconciliations:

Profectus automates all steps in an account’s reconciliation process. Gathering data from all sources of information including bank files and statements, sources of credit and debit, card proc...

Disputes and Chargebacks:

Profectus facilitates the quick, convenient and accurate settlement and resolution of all disputes arising across all electronic channels whether as an issuer or acquirer. The Dispute Resolution service...

Settlement Features

Profectus automatically connects to all the data sources of the different service providers, loads the report files, extracts the transaction content, calculates the principals, fees, commissions and prepares posting instructions awaiting authorisations and automatically posts files to the core banking application once authorisation has been done and settlement is made.

Reconciliation Features

Profectus automates all steps in an account’s reconciliation process. Gathering data from all sources of information including bank files and statements, sources of credit and debit, card processors and merchant services, Profectus reconciliation automation compares account balances between these sources, matching many credits with bulk debits and many debits with bulk credits and identifying any discrepancies. Profectus provides automated review and approval workflows, reconciliation templates and checklists to provide standardised processes and integrated storage of supporting documentation for easy review and audit.

Disputes & Chargebacks Features

Profectus facilitates the quick, convenient and accurate settlement and resolution of all disputes arising across all electronic channels whether as an issuer or acquirer. The Dispute Resolution service in Profectus retrieves the required data from the database, transactions are traced via the dispute user interface to establish authenticity of the claim. Profectus checks for discrepancies and proactively detects issues, carrying out resolutions even before a customer complaint is lodged, improving overall customer experience.