Digital Financial Services for Telecom Companies


Businesses need to provide more services to the customers than the traditional call, SMS and data offering, to serve the ever-changing needs of the customers and up the ante. Digital Financial Services for the unbanked being one of them. The unified fintech platform, ‘arttha’ with its Digital Wallet offering helps provide a delightful and convenient mobile payment experience for your customers. ‘arttha’ provides infrastructure to seamlessly connect with other stakeholders in the ecosystem viz. Payment Gateways, Banks, Merchants, Billers, Remittance Operators, Lenders, MFI’s etc. to provide user’s access to various financial services like Bank transfers, P2P transfers, bill payments, merchant payments, remittances, loan payments, insurance payments, banking services for savings, fixed deposits, recurring deposits etc.
‘arttha’ helps telecom companies launch newer business offerings like microfinance, loans, and other financial and fintech services to diversify their business. It also helps telecom companies expand their business and increase revenues by letting other entities use the platform for the payment needs to the customers, be it salary payments by the enterprises, or pension, wage, social payment by government agencies, insurance collection for insurance companies, bill presentment for billers or payment collection by retail merchants. In the process, helping businesses realize greater ARPU and revenues.

Supported on multiple access channels viz. USSD, Mobile App, SMS, IVR etc., thus offline as well as online mode of payments.
One stop solution for all payment needs of the customer viz. transfers, remittances, bill payments, merchant payments, airtime recharge etc.
Create and manage distribution network with n level hierarchy of agents, to offer the financial services to the users
Ease of integration with other players in ecosystem viz. Payment gateways, Banks, Biller Aggregators, Merchant Aggregators, Remittance Operators etc.
Issuance of a card linked to the wallet account
Easy and seamless onboarding process with KYC Management
Integrated Loyalty Management Solution for enhanced customer retention
A mobile wallet platform, which allows inward and outward remittances, and also acts as an interoperable switch for mobile money conversion across operators

Why 'arttha'?

Faster GTM

Out of the box configurable features allowing quick launch

Differentiated User Experience

Seamless omni-channel experience for customer delight

Converged Platform

A single unified fintech solution for all your business needs

Open APIs

Creating an ecosystem for greater adoption and interoperability

Case Studies

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