Agency Banking
Extend your branch network through trusted agents—safely and at scale. Viobex delivers onboarding, KYC, float management, POS/USSD/app flows, cash-in/out, bill pay, and reconciliations with real-time monitoring and granular permissions.
Core Capabilities
Everything you need to launch, operate, and grow a high-performing agency channel—built for reliability, compliance, and low-connectivity environments.
Who Agency Banking Is For
- Banks, MFIs & SACCOs expanding last-mile access
- Fintechs and super-apps running cash-in/out networks
- Billers & utilities collecting at agent points
- Payout-heavy businesses (G2P, NGOs, payroll)
- Remittance & airtime/data resellers
What You Get
Agent Onboarding
KYB/KYC, training modules, approvals, and tiered limits.
Float & Liquidity
Float wallets, rebalancing, cash management & alerts.
Cash-In/Cash-Out
POS/USSD/app flows with receipts and audit trails.
Risk & Controls
Limits, geofencing, velocity checks, and real-time flags.
Bill Pay & Collections
Utilities, taxes, school fees with instant confirmations.
Offline-First
Store-and-forward and USSD fallbacks for low coverage.
Reconciliation
Daily statements, dispute tools, and exports for finance.
Dashboards
Agent KPIs, heatmaps, alerts, and SLA-backed support.
Industries We Serve
Banks & MFIs
Last-mile deposits, withdrawals, and account opening.
SACCOs
Member onboarding, savings, and loan repayments.
Utilities
Bills, metering top-ups, and instant confirmations.
Government & G2P
Cash transfers, social payouts, and verification.
Telco & Airtime
Airtime/data sales and wallet cash-ins at agents.
Remittances
Cash pick-up, wallet loads, and KYC audit trails.
Retail & FMCG
Agent tills, merchant payouts, and inventory links.
NGOs & Programs
Field disbursements with controls and reporting.