Digital Financial Services
Digital wallets, neo-banking, real-time payments and cross-border remittance for banks, fintechs, telecoms and microfinance institutions.
Our Credentials
Work
What we deliver
Launch, onboard, pay, settle and reconcile.
Neo-Banking — Groot Neo
A pre-integrated digital banking stack — mobile banking, wallet, AI layer, engagement, payments, settlement, onboarding, lending, and virtual accounts — under one vendor.
Digital Wallets — Groot Pay
P2P transfers, QR and NFC merchant payments, bill pay, top-up, cardless ATM, agent banking, and a Mini-App SDK so partners list services in the wallet.
Personal Finance — PFM
ML-based categorisation, budgets with breach alerts, savings goals, subscription detection, and 7–30 day cash-flow forecasts in plain language.
Loyalty & Rewards
Configurable points, tiers, campaigns, and redemption through an open partner API — rules changed from an admin console, not code.
AI Onboarding — KYC / KYB
Document intelligence, liveness, business verification, risk scoring, and Video KYC — live for merchant onboarding at Boost (Axiata), Malaysia.
Payment Infrastructure
Implementation and integration for DuitNow QR and PayNet RPP — scheme certification, switch integration, merchant onboarding at scale, and dispute and reconciliation frameworks.
Settlement Engine
Multi-bank, multi-currency, multi-rail settlement — gross, net, and deferred net — with automated reconciliation and regulatory-grade reporting.
Cross-Border Remittance
A remittance gateway integrating 20+ remittance companies, with wallet credit, bank credit, and agent cash-out, and AML/CFT monitoring.
Seven layers, one unified platform.
Click any layer to explore the components. Connected layers illuminate automatically.
Proven at scale
Trusted by enterprises,
banks, and startups.
Capabilities
Built for scale.
Every capability listed has been delivered in real, live systems — not in proof-of-concept environments.
Let's talk about your project
Tell us what you are working on, and we will get back to you.