Secure, scalable financial platforms for banks, telcos, and fintechs — from mobile wallets and agency banking to KYC/AML and core banking integrations.
In2Excel is a trusted fintech software development company delivering mobile money platforms, digital banking systems, and payment technologies for banks, telecom operators, fintech startups, microfinance institutions, payment service providers, and enterprises worldwide.
From mobile wallet applications and agency banking to core banking integrations and AML monitoring — we engineer regulatory-compliant, high-throughput platforms that process millions of transactions securely.
Comprehensive digital financial services — wallets, banking, payments, lending, and compliance
P2P transfers, merchant payments, agent network management, and QR payments on scalable mobile money platforms.
Internet and mobile banking with account management, fund transfers, statements, USSD banking, and WhatsApp banking.
Merchant payments, bill payment systems, airtime recharge, and remittance for telcos and fintechs.
Loan management and microfinance platforms with automated disbursement, collections, and reporting.
KYC customer onboarding, AML fraud monitoring, identity verification, and audit-ready transaction logs.
Cross-border remittance and domestic transfers with real-time settlement and reconciliation.
Real-time API integration with core banking systems, mobile money operators, payment gateways, and card networks.
Reach customers through USSD, SMS, WhatsApp, and IVR — no smartphone or data required
Interactive banking and payments on any GSM phone via short codes.
Transactional alerts, OTP, balance enquiry, and bulk messaging.
Conversational banking, notifications, and customer engagement.
Voice self-service and call center integration for financial queries.
Deep experience in mobile money ecosystems, digital banking, and payment technologies deployed worldwide.
Platforms engineered for high availability, PCI-compliant security, and millions of daily transactions.
Live platforms in 25+ countries with localized compliance and operator integrations.
PCI DSS, KYC/AML, and ISO 27001 aligned architectures with audit trails from day one.
Modern, battle-tested stacks for enterprise fintech platforms
Fintech innovation across banking, telecom, retail, and public sector
We build mobile money platforms, digital wallets, agency banking, digital and USSD banking, payment gateways, bill payments, remittance, loan management, KYC onboarding, AML monitoring, and core banking integrations for banks, telcos, and fintech startups.
Yes. We integrate with core banking systems, mobile money operators, payment gateways, card networks, and open banking APIs — including ISO 8583 messaging, real-time settlement, and reconciliation.
We engineer solutions aligned with central bank regulations, KYC/AML requirements, and security standards such as PCI DSS and ISO 27001 — with audit trails, fraud detection, and identity verification built in.
Yes. We build omnichannel financial services on USSD, SMS, WhatsApp Business, IVR, and mobile apps — enabling access without smartphones or mobile data where required.
Our clients include commercial and microfinance banks, telecom operators, payment service providers, fintech startups, cooperatives, MFIs, enterprises, and government agencies worldwide.
A focused integration or single-channel module often ships in 4–8 weeks. Full mobile money or digital banking platforms with core integrations typically take 3–6 months depending on scope, compliance, and operator onboarding.