Banking Solutions · Mobile Payments

Mobile payments, seamless, instant and secure.

A mobile payments platform bringing together mobile banking, e-wallet, QR code payments and instant payments to deliver a seamless, secure and omnichannel payment experience.

9:41 MY WALLET Maya Feri MF AVAILABLE BALANCE €2,450.80 •••• 4821 Pay by QR Send Request Scan Recent transactions See all Corner Café Today 08:24 −€4.50 Mobile top-up Yesterday 19:03 −€20.00 AL Adam Loup Yesterday 12:40 +€1,200.00 Home Pay History Profile
Instant paymentActive
Biometric authenticationFace ID
E-WalletEnabled
QR & contactlessReady
What it is

Mobile payments, end to end.

Our solution covers the full scope of mobile payments — mobile banking, e-wallet, instant payments and QR payments — with biometric authentication and end-to-end security.

A solution built, deployed and operated by Intervalle, integrated with your core banking and card switch.

  • Mobile Banking
  • Mobile Payment
  • E-Wallet
  • Instant payments & QR
Inside the tool

Mobile payments, from app to back office.

From the customer's payment gesture to transaction monitoring on the bank side, see mobile payments as they are experienced and managed, within a single ecosystem.

Balance up to datereal time Instant paymentconfirmed 9:41 e-Wallet MF Maya Feri · Individual AVAILABLE BALANCE €2,450.80 •••• 4821 · Intervalle Pay Pay by QR LATEST TRANSACTIONS QR paymentCafé · today −€45 Transfer receivedSalary · 12 Jul +€1,200
Mobile app

Pay in one tap, from your mobile.

On the customer side, Maya Feri sees her balance, pays by QR in one tap and tracks her latest transactions, with a seamless experience and biometric authentication on every payment.

Embedded e-walletBalance, payment methods and history brought together in a single app.
QR paymentA single scan is enough to pay in store or between individuals.
Biometric authenticationEvery payment confirmed by fingerprint or facial recognition.
Transaction monitoring

Every payment, traced in the back office.

On the bank side, teams monitor the transaction flow in real time — each payment identified by its reference, status and amount, with key indicators at the top of the screen.

Real-time flowTransactions stream in continuously, with their traceable card reference.
Clear statusesApproved or pending, each payment shows its state unambiguously.
Key indicatorsSuccess rate and processed volume tracked at the top of the screen, with no re-keying.
Transaction monitoring REAL-TIME FEED · 14:32 Real time SM Sara MalouPayments supervisor SUCCESS RATE 99.2% +0.3% VOLUME PROCESSED €42M +8.4% TRANSACTIONS last 4 REFERENCECUSTOMERAMOUNTSTATUS TX-48213 MF Maya Feri €45 Approved TX-48214 AL Adam Loup €1,200 Approved TX-48215 NR Nadia Rym €18 Pending TX-48216 SD Sofia Dane €240 Approved
Features

Pay anywhere, without friction.

From mobile banking to e-wallet, a seamless and secure payment.

Mobile Banking

A complete mobile bank, account access, operations and payments in a single app.

Mobile Payment

Mobile payments in one tap, in store or online, with instant confirmation.

E-Wallet

An embedded electronic wallet, balance, payment methods and history together.

Transfers & QR payments

Instant transfers and QR payments, between individuals and at merchants.

Biometric authentication

Fingerprint or facial recognition on every payment, for end-to-end security.

Notifications & history

Real-time alerts and a full transaction history, at your fingertips.

What mobile payments deliver

More seamless, more secure.

A fast, widely adopted and secure payment experience.

Seamless experience

A payment in one tap, from mobile banking to e-wallet, without friction.

Mobile adoption

Mobile-first journeys that increase everyday usage.

Instant payments

Transfers and payments confirmed in real time, around the clock.

End-to-end security

Biometric authentication and controls on every transaction.

Multichannel

QR, contactless and transfers brought together in one experience.

Core banking integration

Seamless continuity with your banking system and card platform.

+40%
Mobile payments adoption
−60%
Average transaction time
99.2%
Payment success rate
−30%
Cost per transaction

Indicative figures, which vary with context and scope.

Our method

From scoping to operations.

A controlled rollout, from need to ongoing operation.

  1. 1

    Scoping

    Analysis of your payment journeys, channels and business rules.

  2. 2

    Configuration

    Setup of mobile banking, e-wallet, QR and contactless channels.

  3. 3

    Core banking integration

    Connection to the IS and card switch, data migration and go-live.

  4. 4

    Operations

    Run, transaction monitoring and long-term performance management.

Use cases

Where mobile payments make the difference.

Concrete use cases, from individuals to merchants.

Scenario · Maya Feri

A coffee paid with a single scan.

Maya Feri opens her e-wallet, scans the merchant's QR code and confirms the €45 payment with facial recognition. The transaction is authorised in real time, the merchant receives instant confirmation and Maya finds the operation in her history, with no card or cash.

The banking journey · you are here

Six stages, one shared data core.

Six stages of the customer lifecycle — from onboarding to collections, through to improving the customer experience — resting on a cross-cutting automation and data core that connects them and continuously improves them.

Automation, Data & AI — cross-cutting core
01 · Acquire

Enter the relationship, 100 % digital

From the first interaction to account opening: a seamless, compliant onboarding, for individuals and businesses alike.

Learn more

Digital Onboarding

  • eKYC & facial recognition
  • Document verification & sharing
  • Retail & corporate onboarding
  • Electronic signature

Bank domiciliation

  • Income & salary domiciliation
  • Mandate management
  • Approval workflows
  • Tracking & reporting
02 · Operate

The heart of the banking system

Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.

Learn more

Accounts & products

  • Account opening & management
  • Product management (savings, deposits…)
  • Card issuance & management
  • Accounting management

Treasury & operations

  • Cash management
  • Operations & back office
  • Configuration & migration
  • Core optimisation & hardening
03 · Pay

Collect and pay, everywhere

Secure, compliant payment journeys: electronic wallet, mobile banking and card switch.

Mobile payments and the e-wallet are this stage of the journey.

Learn more

Payments & mobile

  • E-Wallet
  • Mobile Banking & Payment
  • Biometric authentication
  • Transfers & QR payment

Card switch

  • Payment Switch
  • Card management & routing
  • Authorisation & clearing
  • PCI DSS compliance
04 · Finance

Credit and risk, end to end

Two dimensions under control: credit risk throughout the loan lifecycle, and balance-sheet risk (ALM, capital) steered at bank level.

Learn more

Credit lifecycle — credit risk

  • Application & document sharing
  • KYC & PEP screening
  • Credit scoring & lending decision
  • Allocation, disbursement & instalment tracking

Risk Management — balance-sheet risk

  • ALM — asset-liability management
  • Capital forecasting & capital adequacy
  • Stress tests & VaR
  • Prudential reporting (Basel)
05 · Recover

Recover, then manage disputes

In the event of default, our solution automates the collections process — through to litigation management where needed.

Learn more

Collections

  • Segmentation & dunning strategies
  • Automated dunning workflows
  • Multichannel amicable scenarios
  • Payment-promise tracking

Litigation & disputes

  • Escalation to litigation
  • Legal case management
  • Traceability & reporting
  • Recovery-rate management
06 · Retain

Retain and personalise, through data

Data and automation serving the relationship: anticipate churn risk and deliver ultra-personalised experiences that increase satisfaction and revenue.

Learn more

Retention & anticipation

  • Proactive churn detection
  • Behavioural scoring
  • Next best action & alerts
  • Automated retention journeys

Personalisation & revenue

  • Personalised offers & services
  • Contextual recommendations
  • Targeted cross-sell & up-sell
  • Satisfaction measurement (NPS)

A mobile payments project?

Request a demo: we'll show you how to roll out mobile banking, the e-wallet and instant payments, with biometric authentication and end-to-end security. Leave us your details and an expert will get back to you.