Building Financial Equilibrium

Inclusive FinTech solutions providing equal opportunity for communities to learn, transact and prosper in life

This day and age, Fintech solutions are necessary if we’re to make strides in uplifting the livelihoods of communities that are currently digitally impoverished. The FInTech industry is growing rapidly and innovation is taking place at unprecedented levels. Modern-age customer needs demand that financial services providers gear up to deliver. We offer solutions branched in a way that they’re easily adoptable by the banking, lending, insurance , payments and investments industries.
Working closely with start-ups and not-for-profits organisations, we’re able to build as per their envisioned outcome with added expertise brought in through our experience working with Fintechs.
This day and age, Fintech solutions are necessary if we’re to make strides in uplifting the livelihoods of communities that are currently digitally impoverished. The FInTech industry is growing rapidly and innovation is taking place at unprecedented levels. Modern-age customer needs demand that financial services providers gear up to deliver. We offer solutions branched in a way that they’re easily adoptable by the banking, lending, insurance , payments and investments industries.
Working closely with start-ups and not-for-profits organisations, we’re able to build as per their envisioned outcome with added expertise brought in through our experience working with Fintechs.
Telco Integrated Mobile Payment Solution
UK based technology firm, Tellko Technologies, who provides high-end device solutions reached out to Tech Venturas to build a device-specific Point of Sales (POS) system backed by a Telcom provider’s Mobile Money system. This case study elaborates on the approach and the solution provided by Tech Venturas, who delivered the entire solution in 90 days.

Building Financial Equilibrium

Inclusive FinTech solutions providing equal opportunity for communities to learn, transact and prosper in life.

This day and age, Fintech solutions are necessary if we’re to make strides in uplifting the livelihoods of communities that are currently digitally impoverished. The FInTech industry is growing rapidly and innovation is taking place at unprecedented levels. Modern-age customer needs demand that financial services providers gear up to deliver. We offer solutions branched in a way that they’re easily adoptable by the banking, lending, insurance , payments and investments industries.
Working closely with start-ups and not-for-profits organisations, we’re able to build as per their envisioned outcome with added expertise brought in through our experience working with Fintechs.

Our FinTech solutions are built for startups and industries in

Our FinTech solutions are built for startups and industries in

Banking

Realise the potential of Banking-as-a-platform. Exposing a bank’s APIs will literally open the doors for digital task-driven applications to be built, allowing communities to engage with a bank, without the need to physically visit a bank. Opening an account, fund transfers or cashless transactions can be done with ease.
We offer digitization solutions for banks by building open API solutions and digital banking apps.

Lending

Times are tough. It is imperative more than ever now to have efficient lending services available to the small and medium enterprises.
Both banks and lending institutions are not able to cope with the demand for loan facilities, due to the slow and tedious manual processes that are currently followed.
Tech Venturas provides an underwriting platform allowing banks and lending institutions to facilitate funds on an easier scale, much quicker. How are we doing this? By allowing effective identity verification as well as remote onboarding.

Insurance

Insurance companies are demanding and benefitting by adopting a mobile-first approach. Tech Venturas leverages emerging technologies to build systems for Insurance-sector customers that target specific clientele instead of building large solutions that end up isolating 90% of their potential market segments..
By enriching connectivity through AI-driven solutions, we promote frictionless touch points during the customer journey. Automation and chatbot capabilities will ensure that your clients are assured of a personalised and assisted journey.

Payments

Payments and settlements offline is an outdated concept given that any transaction is easily achieved now by a single tap, with the advancement of the fintech platforms related to Payments. Whether it’s person-to-person payments or business transactions, Techventures Fintech payment platform has made the way you can move money around more convenient than ever.
The platform is an all-in-one bill payment platform that enables users to pay their bills from a single account.

Investments

Digital and online channels are now utilised more than ever, given the current state due to the ongoing global pandemic. Companies have started to develop digital Investments and savings, contributing to the further growth of Fintech investments. Despite prompt remote service, favorable terms for peer to peer transactions and convenient e-commerce solutions have identified market leaders and revealed the actual level of digitalization and preparedness for the new reality.
Techventures Fintech Platform ticks off many crucial aspects entitled to Investments and savings with greater convenience.

Our Fintech Framework Components

Having gained significant experience working with clients in various disciplines, we have built frameworks and reusable components that help to expedite product development, whilst adding advanced features.
Our Fintech Framework Components
Having gained significant experience working with clients in various disciplines, we have built frameworks and reusable components that help to expedite product development, whilst adding advanced features.
Integration
A well-designed integration framework gives a distinct advantage to FinTech solutions to acquire intuitive functionalities provided by those systems and seamlessly use together with the app’s functionality. Complex integration scenarios that involve core banking systems to simple integrations such as a simple credit card delivery dispatch system, must ensure satisfaction where user-experience is concerned.
Leveraging mature open-source integration frameworks, we’re able to build solutions that easily handle thousands of transactions per second, allowing scalability.
Integration
A well-designed integration framework gives a distinct advantage to FinTech solutions to acquire intuitive functionalities provided by those systems and seamlessly use together with the app’s functionality. Complex integration scenarios that involve core banking systems to simple integrations such as a simple credit card delivery dispatch system, must ensure satisfaction where user-experience is concerned.
Leveraging mature open-source integration frameworks, we’re able to build solutions that easily handle thousands of transactions per second, allowing scalability.

Integration

A well-designed integration framework gives a distinct advantage to FinTech solutions to acquire intuitive functionalities provided by those systems and seamlessly use together with the app’s functionality. Complex integration scenarios that involve core banking systems to simple integrations such as a simple credit card delivery dispatch system, must ensure satisfaction where user-experience is concerned.
Leveraging mature open-source integration frameworks, we’re able to build solutions that easily handle thousands of transactions per second, allowing scalability.

KYC

Preventing identity theft is a must-do when we implement Fintech solutions. Through our framework, we’re able to support basic KYC information captured through an application as well as advanced video-based KYC.
Our KYC framework integrates well with our partner KYC solution providers to bring intuitive features to your FinTech application. The video based KYC solution combines customer onboarding with identity verification done via AI powered liveness detection. Customers need to perform actions as a part of non-assisted video onboarding. Our framework also supports geo-tagging and OCR in order to identify the customer location and verify the customer’s identity document via a picture taken.
KYC
Preventing identity theft is a must-do when we implement Fintech solutions. Through our framework, we’re able to support basic KYC information captured through an application as well as advanced video-based KYC.
Our KYC framework integrates well with our partner KYC solution providers to bring intuitive features to your FinTech application. The video based KYC solution combines customer onboarding with identity verification done via AI powered liveness detection. Customers need to perform actions as a part of non-assisted video onboarding. Our framework also supports geo-tagging and OCR in order to identify the customer location and verify the customer’s identity document via a picture taken.
KYC
Preventing identity theft is a must-do when we implement Fintech solutions. Through our framework, we’re able to support basic KYC information captured through an application as well as advanced video-based KYC.
Our KYC framework integrates well with our partner KYC solution providers to bring intuitive features to your FinTech application. The video based KYC solution combines customer onboarding with identity verification done via AI powered liveness detection. Customers need to perform actions as a part of non-assisted video onboarding. Our framework also supports geo-tagging and OCR in order to identify the customer location and verify the customer’s identity document via a picture taken.
Wallet
Mobile wallet based FinTech solutions provide bank-like financial solutions for the communities that are unable to or prefer not to practice conventional banking. Given the cashless nature of mobile wallets, it is becoming the most appropriate solution for unbanked communities that provide decreased risk associated with fraud and theft.
Tech Venturas wallet framework is a simple but intuitive solution for any FinTech to get a headstart on implementing a sophisticated mobile wallet. Key features include cashless payment solutions via QR codes, USSD and NFC, interacting with POS devices seamlessly. With our integration framework, the wallet is interoperable with thousands of merchants and billers allowing the customer bill payment process to become a rewarding experience. The robust application and API framework allows new features enabling a faster launch.
Wallet
Mobile wallet based FinTech solutions provide bank-like financial solutions for the communities that are unable to or prefer not to practice conventional banking. Given the cashless nature of mobile wallets, it is becoming the most appropriate solution for unbanked communities that provide decreased risk associated with fraud and theft.
Tech Venturas wallet framework is a simple but intuitive solution for any FinTech to get a headstart on implementing a sophisticated mobile wallet. Key features include cashless payment solutions via QR codes, USSD and NFC, interacting with POS devices seamlessly. With our integration framework, the wallet is interoperable with thousands of merchants and billers allowing the customer bill payment process to become a rewarding experience. The robust application and API framework allows new features enabling a faster launch.

Wallet

Mobile wallet based FinTech solutions provide bank-like financial solutions for the communities that are unable to or prefer not to practice conventional banking. Given the cashless nature of mobile wallets, it is becoming the most appropriate solution for unbanked communities that provide decreased risk associated with fraud and theft.
Tech Venturas wallet framework is a simple but intuitive solution for any FinTech to get a headstart on implementing a sophisticated mobile wallet. Key features include cashless payment solutions via QR codes, USSD and NFC, interacting with POS devices seamlessly. With our integration framework, the wallet is interoperable with thousands of merchants and billers allowing the customer bill payment process to become a rewarding experience. The robust application and API framework allows new features enabling a faster launch.

Credit Score

Traditionally, financial organizations who engage in lending products rely on 5Cs (Character, Capital, Collateral, Capacity, Conditions) for risk evaluation. Due to the interoperability issues between 5 factors and unavailability of data, this is not practical. Our credit scoring algorithms are based on alternative data sources that can be fetched from the inclusive communities where the FinTech solutions are built. These are built based on Telcom based mobile money transactions, rental payments for different billers, self-disclose financial information by users, other types of disposable income, POS transactions are many more.
Our credit scoring framework built on machine learning algorithms considering the alternative data points as described above. Its capability to introduce new parameters from new data sources from different community data would make the scores generated more accurate. The scoring framework is highly interoperable, easily deployable and API driven, which makes it the best fit for modern day FinTech solutions.
Credit Score
Traditionally, financial organizations who engage in lending products rely on 5Cs (Character, Capital, Collateral, Capacity, Conditions) for risk evaluation. Due to the interoperability issues between 5 factors and unavailability of data, this is not practical. Our credit scoring algorithms are based on alternative data sources that can be fetched from the inclusive communities where the FinTech solutions are built. These are built based on Telcom based mobile money transactions, rental payments for different billers, self-disclose financial information by users, other types of disposable income, POS transactions are many more.
Our credit scoring framework built on machine learning algorithms considering the alternative data points as described above. Its capability to introduce new parameters from new data sources from different community data would make the scores generated more accurate. The scoring framework is highly interoperable, easily deployable and API driven, which makes it the best fit for modern day FinTech solutions.
Credit Score
Traditionally, financial organizations who engage in lending products rely on 5Cs (Character, Capital, Collateral, Capacity, Conditions) for risk evaluation. Due to the interoperability issues between 5 factors and unavailability of data, this is not practical. Our credit scoring algorithms are based on alternative data sources that can be fetched from the inclusive communities where the FinTech solutions are built. These are built based on Telcom based mobile money transactions, rental payments for different billers, self-disclose financial information by users, other types of disposable income, POS transactions are many more.
Our credit scoring framework built on machine learning algorithms considering the alternative data points as described above. Its capability to introduce new parameters from new data sources from different community data would make the scores generated more accurate. The scoring framework is highly interoperable, easily deployable and API driven, which makes it the best fit for modern day FinTech solutions.
Microfinance
Unbanked communities had been depending on unregulated, community based lending systems for decades. These lending communities are quite significant in many developing regions in the world. This brings a great opportunity for FinTechs in the microfinancing space to provide more streamlined, robust, mobile-based solutions for micro lending.
Our micro financing framework comes with the core functionality of digital loan origination. It is backed by our KYC framework to build the customer identification together with risk assessment via our credit scoring components. It is highly interoperable with existing financial, CRM, ERP systems to bring additional functionality while deployable in cloud or on-premise.
Microfinance
Unbanked communities had been depending on unregulated, community based lending systems for decades. These lending communities are quite significant in many developing regions in the world. This brings a great opportunity for FinTechs in the microfinancing space to provide more streamlined, robust, mobile-based solutions for micro lending.
Our micro financing framework comes with the core functionality of digital loan origination. It is backed by our KYC framework to build the customer identification together with risk assessment via our credit scoring components. It is highly interoperable with existing financial, CRM, ERP systems to bring additional functionality while deployable in cloud or on-premise.

Microfinance

Unbanked communities had been depending on unregulated, community based lending systems for decades. These lending communities are quite significant in many developing regions in the world. This brings a great opportunity for FinTechs in the microfinancing space to provide more streamlined, robust, mobile-based solutions for micro lending.
Our micro financing framework comes with the core functionality of digital loan origination. It is backed by our KYC framework to build the customer identification together with risk assessment via our credit scoring components. It is highly interoperable with existing financial, CRM, ERP systems to bring additional functionality while deployable in cloud or on-premise.

Financial Literacy

Uplifting communities with financial literacy is a common vision for many FinTech solutions providers. Financial learning tools delivered via FinTech apps are starting to become a viable solution to achieve this. However, it introduces many challenges, such as catering to communities speaking different languages as well as addressing the varying levels of education.
Our literacy framework can be easily integrated into any FinTech app providing a fully fledged financial literacy solution. It provides multimedia driven courses with lesson plans for each course, completely configured by the central administration. Lessons can be built using images, videos, documents that are carefully and sequentially structured for the learning audience based on their preferred language. Easily delivered afterwards to the FinTech app with a push of a button. It comes with the capabilities to measure the effectiveness of the course, attentiveness and the learning outcomes. These are achieved via our Survey and Quizzes framework working hand in hand with literacy solutions.
Financial Literacy
Uplifting communities with financial literacy is a common vision for many FinTech solutions providers. Financial learning tools delivered via FinTech apps are starting to become a viable solution to achieve this. However, it introduces many challenges, such as catering to communities speaking different languages as well as addressing the varying levels of education.
Our literacy framework can be easily integrated into any FinTech app providing a fully fledged financial literacy solution. It provides multimedia driven courses with lesson plans for each course, completely configured by the central administration. Lessons can be built using images, videos, documents that are carefully and sequentially structured for the learning audience based on their preferred language. Easily delivered afterwards to the FinTech app with a push of a button. It comes with the capabilities to measure the effectiveness of the course, attentiveness and the learning outcomes. These are achieved via our Survey and Quizzes framework working hand in hand with literacy solutions.
Financial Literacy
Uplifting communities with financial literacy is a common vision for many FinTech solutions providers. Financial learning tools delivered via FinTech apps are starting to become a viable solution to achieve this. However, it introduces many challenges, such as catering to communities speaking different languages as well as addressing the varying levels of education.
Our literacy framework can be easily integrated into any FinTech app providing a fully fledged financial literacy solution. It provides multimedia driven courses with lesson plans for each course, completely configured by the central administration. Lessons can be built using images, videos, documents that are carefully and sequentially structured for the learning audience based on their preferred language. Easily delivered afterwards to the FinTech app with a push of a button. It comes with the capabilities to measure the effectiveness of the course, attentiveness and the learning outcomes. These are achieved via our Survey and Quizzes framework working hand in hand with literacy solutions.

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