mobiquity® Money

Power of Money, Multiplied


mobiquity® Money not only empowers unbanked and the under-banked consumers to meet their financial needs, it empowers them with access to a full range of advanced financial services.



When mobile technology penetrates all rungs of a society, it unleashes a tremendous potential to bring every section of the society into financial mainstream and helps pitchfork consumers into higher possibilities for inclusion, participation, and value. mobiquity® Money is a mobile money solution that is built in recognition of this potential, and serves to elevate communities of consumers by offering integrated and easy to use financial services.

Using a Stored Value Account as its fulcrum, mobiquity® Money delivers a host of services that enable banked and unbanked consumers to save, borrow, transfer and spend money using their mobile. It offers them simple but secure channels to send or receive money, pay their bills and make merchant payments. Consumers of mobile money services powered by mobiquity® Money can also gain access to a whole host of micro-financial services like savings, loans, insurance and more. Beyond the individual consumer, it enables business to perform bulk operations such as crediting salaries, while governments and large donor agencies can use it to distribute relief aid or disburse cash subsidies.


First in international remittance services in North Africa and South Asia.

First in domestic interoperability between mobile financial services in an African country.

First to provide MasterCard Companion Card in Africa.

Flexibility to facilitate operator-led, bank-led or hybrid models.

Handled 3 million transactions per day for a leading African operator.

First to provide NFC enabled micro-payments in Africa.



The power of mobiquity® Money also referred to as mobile money lies in bringing together telcos, banks, merchants, billers, enterprises and government entities into a cohesive ecosystem centered around the consumer. This convergence makes it possible for financial service providers to deliver a range of granular, scalable and secure financial services and system flows.


The mobile money solution empowers financial service providers to evolve and deploy services as befits their business needs. The scalable architecture that underlies the solution allows for multiple, customizable hierarchies that can be deployed to markets of any size and for transactions of any volume. Its inherent simplicity allows for easy set-up and management of the entire distribution network.

Mobile Money Solutions
Mobile Money Portfolio




With mobiquity® Money, service providers can deliver a range of services that multiply the power of money. The solution enables consumers to make money transfers both domestically and internationally, pay bills, make payments, buy tickets or recharge directly – all from their stored value account. The portfolio is extendable to last mile services such as cash-ins and cash-outs through certified agents. For the service provider, the solution enables easy definition and configuration of services – whether related to remittance, payment or micro-financing options – with fully controllable pricing policy, and loyalty program management.


Access mechanisms such as Web, WAP, App, SMS, IVR and USSD ensure propagation of services to a vast range of mobile devices, making the solution truly versatile and highly consumable.



Even while mobiquity® Money is designed for simplified and easy-to-use user experience, it makes no compromises when it comes to security. It ensures that service and payment implementations are safeguarded with multi-level, bank-grade security in order to reduce fraud and increase consumer confidence. The security framework includes multi-factor authentication for access and transaction control, while all data is encrypted with the industry-standard 3DES algorithm.


The mobile money solution adheres to international Anti Money Laundering requirements, implements the best practices in PIN and Password management, and configurable KYC processes. Over and above this, the entire security approach is strengthened by Mahindra Comviva’s proven knowledge of country-specific regulations.

Mobile Money Security
Mobile Money Architecture




mobiquity® Money is built with an open architecture to ensure interoperability with other open and close loop systems as well as allow seamless service extensions. The platform’s open APIs act as ready-made interfaces that allow external vendors to easily create new channels for service consumption. This openness enables thirty party agencies like merchants, remittance providers, other mobile money systems, billers and banks to use mobiquity® Money platform to offer payment services.


Our expanding partnerships with internationally reputed business entities bring scale, agility and value to the offering. Our partnership with MasterCard facilitates open loop payments, while our alliance with Western Union enables rapid launching of international remittance services.

Featured Video



Accelerating growth of digital currency in Africa


Mobilizing savings in Zimbabwe (pdf)


Tapping into the international remittance opportunity in Bangladesh (pdf)


Powering affordable, secure mobile financial services in East Africa(pdf)

mobiquity® Money BROCHURE


Digitilize, Engage and Delight with mobiquity Money (pdf)


mobiquity® Money
Open Loop Merchant Payments (pdf)

Cover-mobiquity Money NFC Merchant Payment Solution_Flyer

mobiquity® Money
NFC Merchant Payment Solution (pdf)


Airtel Money Ghana infographics

Airtel Money Ghana

Mobile Money in Tanzania 2

mobiquity® Money in Tanzania

Mahindra comviva Pioneer in mobile money infographic GHBW August 10

Pioneer in Mobile Money


Year on year, every year, Mahindra Comviva has been recognized for excellence and innovation by some of the top agencies in the business; a feat that stands as a testament to our domain knowledge, business approach and technological excellence.

  • Right ecosystem of partnerships and alliances
  • Deep industry expertise
  • Cross-industry mobile experience
  • Knowledge of country specific regulations
  • Flexible commercial models with shared risks
  • End-to-end technical and business operations support
Mahindra Comviva serving 90 countries across the world
  • 2015
    • Award 2015
    • Kalahari Awards 2015
    • Future Digital Awards 2015
    • M2Payments Latam Awards 2015
  • 2014
    • Meffys Awards 2014
    • Aegis Graham Bell Awards 2014
    • Frost & Sullivan 12th Annual 2014 India ICT Awards”
    • Global Telecoms Business Innovation Awards 2014
  • 2013
    • Meffys 2013 Awards
    • AfricaCom Awards 2013
    • Aegis Graham Bell Award 2013”
    • Global Telecoms Business Innovation Awards 2013
    • GSMA Global Mobile Awards 2013
  • 2012
    • Zimbabwe ICT Achievers Awards 2012
    • Golden Peacock Award 2012
    • Aegis Gram Bell Awards 2012”
    • World Communication Awards 2012
    • HR Leadership Award 2012
    • Asia Communications Awards 2012
  • 2011
    • Golden Peacock Award for Innovation 2011
    • Distinguished Fellow Award 2011
    • mBillionth Award South Asia 2011”
    • Aegis Gram Bell Awards 2011
    • Asia Communication Awards 2011
    • 5th CMAI National Telecom Awards 2011
    • Total Telecom’s World Vendor Awards 2011
    • Golden Peacock Innovation Award 2011
  • 2010
    • AfricaCOM Awards 2010
    • Frost & Sullivan Awards 2010
    • mBillionth South Asia Awards 2010”
    • Mobile Messaging Congress 2010
    • INFOCOM CMAI National Telecom Award 2010
    • Total Telecom’s World Vendor Awards 2010
    • GSMA Global Mobile Awards 2010
    • Golden Peacock Award for Innovation 2010
  • 2009
    • Deloitte Technology Asia Fast 500 2009
    • AfricaCOM Awards 2009
    • Golden Peacock Award for Innovation 2009”
    • Golden Peacock Award for Innovation 2009
    • GSMA’s Mobile Money for the Unbanked Initiative
    • GSMA Global Mobile Awards 2009
  • 2008
    • Golden Peacock Award for Innovation 2008
    • GSMA Mobile Asia Congress Awards 2008
    • AfricaCOM Awards 2008”
    • Deloitte Technology 2008