Digital Banking NOVABANK ™
Financial Inclusion Solutions and Agency Banking

With the increasing pressure on profit margins and the competitive landscape created by FINTECHs, Financial institutions are facing challenges in justifying brick-and mortar investments especially in rural areas where financial inclusion services are needed the most. Novus’ Agency Banking Solution provides the opportunity for Banks, MFIs and 3rd party payment providers to reach out to the unbanked through a flexible, low cost and easy to deploy digital infrastructure.

SmartPoS Device:
Our “BRANCH IN A BOX” Smart Android POS with integrated Biometric, EMV chip and NFC technologies enable e-KYC and instant card issuing in the field. It also acts as a mobile ATM to securely dispense and deposit cash, mobile phone top up or pay bills.

Mobile Wallet:
Your smartphone is your gantry to the digital world. Our Mobile Wallet supports prepaid, tokenised debit/credit cards and enables payments and transfers between users, businesses and government for disbursement of funds and subsidies.

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Case Study

Ly Hour Pay Pro Cambodia

Ly Hour Pay Pro need to have agency banking solution that has the capability of agency banking, advanced security mechanism, and card management & acquiring functions for their Agent to reach out to customers in all provinces.

Novus implemented Agency Banking with Smart POS (Android-based) device. The transaction is equipped with fingerprint validation for the advanced security feature. Ly Hour Pay Pro (LHPP) are also equipped with backend portal and analytics to be able to perform system maintenance such as fee and foreign exchange rate management, as well as card and agent/user management.

The implementation was completed in 6 months time and it was followed immediately by the rollout of Smart POS to all provinces. The capability of an application to support multi-language (English/Khmer) and multi-currencies (USD/KHR/THB) and various functions have made LHPP business grows rapidly. At the moment, LHPP has more than 3,600 agents available in Cambodia.

Features of Ly Hour Pay Pro Cambodia

  • Card issuance and management​
  • eKYC
  • Cash-In
  • Cash-Out
  • Agent Enrollment
  • Fund Transfer
  • Balance Enquiry
  • Mobile Top-Up
  • Bill and Loan Payment
  • Payroll disbursement

Introductory Video to Ly Hour Pay Pro Cambodia

Case Study

DaraPay Cambodia

With the vision to be the choice for day-to-day payments and transactions provider in Cambodia, DaraPay need to implement application and system that is reliable, rich of features and user-friendly with fast time-to-market.

Novus implemented combination between Wallet and Agency Banking solution. The application supports both Android and iOS platforms. Novus host the system for DaraPay, which also provide 24x7 support. By using this solution, DaraPay can use a single application for retail customer, merchant, as well as agents. Novus also implemented Portal Management for DaraPay so that DaraPay can perform customer, agent, merchant and system maintenances from back-office. The system maintenance also include foreign exchange rate management, blacklist management, fee management and user management.

As a result of timely implementation and effectiveness of Novus solution, Novus could deliver the expected timeline to DaraPay to enable Go-Live in December 2017 and within a short period of time it acquired more than 750 agents nationwide. As of October 2018, DaraPay has more than 2,200 agents and 800 merchants in urban cities of Cambodia.”

Features of DaraPay Cambodia

  • Agent & Merchant Enrollment
  • eKYC
  • Cash-In
  • Cash-Out
  • Bills Payment
  • Loan Payment
  • Mobile Top-Up
  • QR Code Payment
  • Fund Transfer
  • Balance Enquiry
  • Disburse Payroll

Introductory Video to DaraPay Cambodia