Solutions

Financial Institutions

We work with diverse players in the financial services industry. Our products allow financial services companies to provide data-driven vending and credit of utility units to their customers, increasing loyalty and revenue — without any exposure to the financial institution.

Business Opportunity

How do you offer postpaid and prepaid payment methods to existing banking customers?
How do you mitigate the risk of losing sales through agent networks and competing banks when the customer's bank balance is low?
How do you reduce the risk of customers going to a different provider?
How do you enhance the purchasing experience of your customers across services beyond core banking?
How do you create new revenue streams while protecting your existing customer base?

Our Solution

Advance Utility Sales Service (PPVS)

Our PREPAID / POSTPAID VENDING SYSTEM (PPVS) provides a channel for existing bank customers to purchase Airtime, internet data, electricity and other utility services via SMS and USSD channels.
The PPVS postpaid offering extends a credit facility to banking customers to purchase utility products.
PPVS provides customer profiling which helps understand data better and tailor offers to individual customers.
This service helps to reduce churn rate across the customer base of the bank.
Provides exposure-free growth — no financial risk to the institution.

The Process

Prepaid & Postpaid Vending Flows

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Postpaid Purchase

Customer requests utility purchase via USSD/SMS on postpaid plan

Adroyte checks banking customer eligibility

PPVS approves transaction and records the debt

Banking core application notified of the transaction

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Postpaid Recovery

Customer has sufficient (partial or full) balance in bank account

APVS checks balance after 3 days, then repeatedly each day

Account deducted and institutional partner credited with commission

Partial or full deduction based on available balance

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Prepaid Purchase

Customer requests prepaid purchase via USSD/SMS

Adroyte checks eligibility — balance and PIN verification

PPVS approves and processes transaction via Bank API

Banking core application notified of the completed transaction

Key Benefits

Why Financial Institutions
Partner with Adroyte

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New Revenue Streams

Earn commission on every utility transaction processed through your banking channels without any operational overhead.

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Zero Institutional Risk

Adroyte provides the credit infrastructure. Your institution earns without any balance sheet exposure or credit risk.

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Enhanced Customer Value

Give your customers more reasons to stay. Utility payments through their bank account creates deep, sticky relationships.