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Building a Multi-Market Mobile Money Platform for Central Africa

One technology foundation adapted for multiple countries

Client

Financial services provider

Delivered by

UNIPHI

Approach

Multi-market mobile money platform

The challenge

  • A financial-services provider expanding across Central African markets required a mobile wallet platform capable of supporting different countries, telecom operators, billers, regulations and commercial models.

  • Deploying completely separate platforms for every market would increase technology fragmentation, implementation effort and long-term operational complexity.

  • The requirement was therefore to create a common platform foundation while retaining sufficient flexibility to configure each country’s services independently.

The operating model

UNIPHI designed a multi-market wallet architecture where common platform capabilities are reused while individual markets can maintain their own:

  • Products
  • Fees
  • Transaction limits
  • Workflows
  • Integrations
  • Customer journeys
  • Partners
  • Regulatory rules
  • Service configurations

This creates a shared technology model without forcing every market into an identical operating model.

UNIPHI platform capabilities

The platform supports:

  • Consumer wallets
  • Business accounts
  • Agent services
  • P2P transfers
  • Merchant payments
  • Request-to-pay
  • Airtime and data services
  • Utility payments
  • Television and subscription services
  • Bulk payments
  • Remittance services
  • Transaction rules and limits
  • Customer and partner management
  • Operational reporting
  • Reconciliation and settlement

Integration ecosystem

  • Country deployments can connect independently to local mobile operators, billers, utilities, banks, card providers, remittance partners and other ecosystem participants.
  • The integration layer isolates external dependencies from the core platform, making it easier to introduce or replace partners without redesigning the entire solution.

Outcome

  • The architecture provides a repeatable foundation for regional expansion.
  • Instead of rebuilding the technology stack for every new country, the provider can configure local services and integrate local ecosystem partners on top of a common financial-services platform.
  • Build the platform once. Localise where necessary. Expand market by market.