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Building a Multi-Service Mobile Money Ecosystem in South Sudan

From basic wallet services to an extensible digital financial-services platform

Client

Mobile money operator

Delivered by

UNIPHI

Approach

Modular, one central wallet

The challenge

  • A mobile money operator in South Sudan needed a technology platform capable of supporting far more than basic person-to-person transfers.

  • The target operating model required a single digital ecosystem capable of serving consumers, agents, merchants, businesses and institutional partners while progressively introducing services such as bill payments, airtime, payroll, government payments and cross-border remittances.

  • The platform also needed to operate in an environment where multiple external systems, telecom networks and service providers had to be connected progressively without disrupting existing services.

The operating model

UNIPHI implemented a modular mobile money architecture designed around a central wallet and transaction platform.

Customers interact through supported digital channels while agents provide cash-in, cash-out and assisted financial services. Business and institutional partners connect to the platform for collections, disbursements and service payments.

New services can be introduced as additional modules and integrations rather than requiring the underlying wallet platform to be rebuilt.

UNIPHI platform capabilities

The implementation brings together:

  • Consumer and business wallets
  • Customer onboarding and KYC
  • P2P transfers
  • Agent management and liquidity operations
  • Cash-in and cash-out
  • Airtime and data purchases
  • Utility and bill payments
  • Payroll and bulk disbursements
  • Government and institutional payments
  • Notifications, reporting and operational controls
  • Reconciliation and settlement support
  • International remittance connectivity
  • Transaction limits, fees and business rules
  • Notifications, reporting and operational controls
  • Reconciliation and settlement support

Integration ecosystem

  • The platform was designed to integrate with telecom operators, utility providers, government services, remittance partners and other financial ecosystem participants.
  • Examples include electricity-payment services, tax-payment workflows, mobile-network services and regional remittance corridors.

Outcome

  • The implementation created a single extensible digital financial-services foundation through which the operator can progressively introduce new services, partners and transaction journeys.
  • Rather than operating individual financial products as isolated systems, services can be orchestrated through a common customer, wallet, transaction and integration architecture.
  • One wallet platform. Multiple financial services. A foundation designed to evolve with the market.