Mobile Commerce | Telecom Product

Mobile Commerce

Apsis Mobile Commerce Platform enables a wide range of innovative mobile financial services including direct top-up, agent top-up, bill payment, person-to-person payments, mobile banking, cross border VAS and both national and international remittances.


  • Mobile Wallet: Apsis Mobile Wallet application enables organizations to launch banking services to 'un-banked' communities typically excluded from traditional banking facilities. These services allow un-banked customers perform banking transactions over their mobile phone.
  • Mobile Agent Top-up: Apsis Agent Top-Up allows airtime distributors to sell prepaid top-ups through a much wider base of agents than is currently possible using vouchers or scratch cards. This electronic recharge method links directly with the operator's prepaid billing system, bypassing vouchers, and enables agents to securely recharge subscribers' credit with a wide range of devices including using the agent's mobile phone as a POS device.
  • Bill Payment: Apsis Bill Payment services allow bill payment intermediaries to offer bill payment services to utilities and other organizations (e.g. to pay a post paid bill with one's mobile operator, pay school fees, professional body annual fees).
  • Mobile Banking: Apsis Mobile Banking application enables subscribers to access their bank account and carry out banking transactions using their mobile phone, including balance enquiries, mini-statements, inter account transfers, third party transfers, utility bill payments, transaction statements.
  • International Remittance: Mobile subscribers in donor countries can transfer cash directly from their mobile phone to mobile wallet of their family and friends in the recipient country. This can be done either by directly debiting mobile phone account or by debiting a previously registered credit or debit card. It is a secure, fast, convenient and cheaper way of remitting cash than using traditional means.


The benefits of the system are as follows :


  • Mobile Operators: Reduce costs - expensive traditional POS devices and fixed line infrastructure are not required, Expand distribution network, Add revenue generating solutions, Increase customer satisfaction.
  • Agents and Distributors: Increase revenue - provide additional chargeable services, Quickly expand distribution network, Grow customer base, Increase customer satisfaction
  • Banks: Reduce costs - quicker and cheaper to rollout than ATMs or new branches, Create new revenue sources, Grow customer base, Increase customer loyalty, Develop new low cost channel with minimal investment, Reduce queues in bank and at ATM, Inform customers through account and bank notifications, Place the bank's brand on its customers' primary communications devices