Digital Wallets & P2P
Mobile wallets have become the main financial account for millions of people.
We help telecom operators, banks and fintechs launch and grow wallets that customers use every day, not only to send money once a month.
What separates successful wallets
Strategy and design for mobile money and digital wallets: agent networks, P2P transfers, bill payments, wallet cards, tokenisation and cross-border remittances.
Many wallets sign up users quickly but struggle with low activity.
Cash-in and cash-out networks are expensive to build and manage.
Revenue relies too heavily on transfer fees that face competitive and regulatory pressure.
How we help
We help telecom operators, banks and fintechs launch and grow wallets that customers use every day, not only to send money once a month.
Wallet strategy and business model
Target segments, use cases and revenue streams beyond transfer fees.
Agent networks
Cash-in and cash-out network design, agent economics and liquidity management.
P2P and bill payments
Everyday use cases that build habit, from transfers to utility bills and merchant payments.
Wallet cards and tokenisation
Virtual and physical cards linked to the wallet, and tokenisation for mobile and online payments.
Remittances and interoperability
Domestic and cross-border remittance corridors, and links to banks and instant payment systems.
What you receive
Deliverables are tailored to the scope of each engagement.
- Wallet strategy and business case
- Product and use-case roadmap
- Agent network model
- Partner and card scheme strategy
- Launch and growth plan
Our approach
Every engagement follows a clear path, scoped to what the client needs. Some clients bring us in for a single phase; others ask us to stay through launch.
- 01Diagnose
- 02Design
- 03Mobilise
- 04Launch & scale
Frequently asked questions
How do mobile wallets make money?
Through transfer and cash-out fees, merchant and bill payments, card interchange, returns on float where regulation allows, and partner services such as lending and insurance.
Why link a card to a wallet?
A wallet-linked virtual or physical card lets customers pay online and at any merchant that accepts cards, which greatly expands where the wallet can be used.
What is tokenisation?
Tokenisation replaces the real card number with a unique token for each device or merchant, so card details are not exposed in mobile and online payments.
How can a wallet increase active users?
By focusing on frequent use cases such as merchant payments, bill payments and salary receipt, and by making cash-in and cash-out easy and reliable.
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Explore this practiceLet's talk about your project
Tell us what you are working on and we will come back with a view on how we can help.