List of Projects

Project Name

Client

1
2

TimePey
JSBL

AKBL
JS bank Limited

Meezan Bank Mobile

Banking
BOP-MFS

Meezan Bank

Internet Payments
Ufone SendPesa
International Airtime
Topup

Monami
Ufone
IDT

4
5
6
7

BOP

Products

MicroBank
MicroBank , AGENTmate,
Falcon
MicroBank, Falcon
MicroBank, AGENTmate ,
SendPesa , Falcon
AllPay Cardwalla Services
SendPesa
AllPay

TimePey

The largest G2P project in

the region (Timepey)

Nationwide network of
25,000+ agents that have
already transacted billions
of Rupees via millions of
transactions using Inov8
technology and services

Worked with all middleware and card systems

Financial System Design

End to end technology

Branchless banking strategy

Regulatory and compliance

Mobile commerce product development via innovation and R&D

Recon and Settlement

Askari Bank is providing a full set of branchless banking services in the market
including a solution for salary transfer and pension payments to the
Government, Armed Forces and the corporate sector in Pakistan

Inov8 is the technology partner in the Timepey project with Askari Bank and
Zong and is committed to meeting all support and customization requirements
for the long term.

License for full branchless banking functionality by SBP, including:

Fund Transfer

Utility Bill Payment

Cash Deposit to Timepey Account

Cash Withdrawal from Timepey Account

Salary Disbursement

Mobile Balance Top Up

No Waivers

Timepey service includes:

Utility bill payment at agent locations and via mobile accounts

Money transfer via agent network or via mobile accounts

Cash deposit and withdrawal from agent locations for mobile accounts
and money transfer

25,000+ agent locations

Salary transfer services for corporate and government entities

Fully integrated solution allowing bank complete control for managing:

Banking functions and operations

Agent network including direct agents, super agents and sub agents

Customer support and complaint management

Reporting for all departments and stakeholders

Timpey is live since 1st January, 2013 with over 26,000 agents in Pakistan.

JS Branchless Banking
JS Banks Primary Set of Transactions are:

Cash IN

Cash Out

Transfer In (Core Account to BB Account)

Transfer Out (BB Account to Core Account)

Agent to Agent transfer

CNIC to CNIC transfer

BB Account to CNIC and Vice Versa

Retail Payment

Additional Services include:

Utility bill payment at agent locations and via BB

accounts

Mobile Topup and postpaid bill payment

Corporate Account opening (L3 Accounts)

Additional Features include:

Authentication of transactions through IVR calls

Account Opening via AGENTmate application

Velocity Checks (Number and amount of transactions)

AGENTmate:

Inov8 are the pioneers in developing a J2ME branchless banking application

supporting a wide array of low end handsets, that enables JS to tap into a
whole new target market.

JS project is currently undergoing UAT testing

Meezan Mobile Banking

Meezan Primary Services include

Mobile Banking Application (iOS, Android)

Login using Internet Banking Credentials

Funds Transfer (Own account, Third Party Fund Transfer)

Bill Payment (Utility, ISP, Prepaid, Post Paid)

Registered Bill Payment

Frequently Asked Questions

MY Accounts

Mini statement including FCY accounts

Meezan Banks application has passed UAT testing and is

currently in Soft Launch Phase.

BOP Branchless Banking

BOP Primary Services include

Pensions

Government Salaries (G2P)

Tax Collection (P2G)

Subsidy Payments

Microfinance Loans

Health & Food Subsidies

Scholarships

Other Services include:

Utility bill payment at agent locations and via mobile

accounts

Money transfer via agent network or via mobile

accounts

Cash deposit and withdrawal from agent locations for

mobile accounts and money transfer

Salary transfer services for corporate and

government entities

Fully integrated solution allowing bank complete

control for managing:

Banking functions and operations

Agent network including direct agents, super

agents and sub agents

Customer support and complaint management

Reporting for all departments and stakeholders

Customer & Agent account opening

Channel Management

Authentication of transactions via USSD push and entering PIN

BOP project is currently undergoing UAT testing

Ufone SendPesa
SendPesa is a USSD based, multi-bank mobile banking product which works via the
MicroBank platform. This allows banks to offer mobile money and mobile banking
services via the USSD Channel to agents, merchants, and customers. There are two
key features, along with dynamic USSD handling for different banks, controllable
from the platform. In addition, there is a closed loop service that is available for
quick money transfer.

Internet Payments Monami

Cardwalla service is a first of its kind, fully integrated,
aggregated service provisioning platform that enables
internet payments via any channel. The service offers
50+ inventory of internet payment products of local
and international internet payments, airtime, billers
and others. Inov8s AllPay platform is being used to
make these payments available to Pakistani customers
through all banking channels in Pakistan including Mobile
Banking, Branchless Banking, Internet Banking, ATMs,
POS, as well as Bank and Retail counters against cash.

International Airtime Topup

IDT is an international airtime remittance / Topup is a real time service where
retail network offers the facility for customers which enables them to send air
time to subscribers in the receiving country using a web service interface/android
application.

All top ups are provisioned electronically and are available to the

recipient in real time. The sender will have multiple fixed types of denominations
they can choose from (i.e. Rs. 250, Rs. 500, and Rs. 1000).