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Capability

Agent Banking for the Last Mile

Branches cannot reach everyone — agents can. Manam's agent banking platform equips local merchants and agents to deliver cash-in/cash-out, account opening, and payments, extending the bank to communities far beyond branch networks.

Extend the branch

Turn shops, kiosks, and merchants into secure banking touchpoints on one omni-channel banking platform, with real-time settlement and limits.

Cash-in, cash-out

Customers deposit and withdraw through trusted local agents — bridging cash and digital money.

Secure and accountable

Every agent transaction is authenticated, limited, and fully auditable in real time.

Commissions & liquidity

Automated commission management and float monitoring keep agents motivated and liquid, so cash is always available where customers need it.

  • Cash-in / cash-out
  • Agent onboarding & KYC
  • Real-time settlement
  • Commission management
  • Float monitoring
  • Full audit trail

Customer journey

How Agent Banking works

1

Onboard the agent

A local merchant is verified with KYC, assigned float limits, and equipped with the agent app on any smartphone.

2

Customer arrives

A customer walks in to deposit, withdraw, open an account, or pay a bill — no branch required.

3

Agent runs the transaction

The agent captures the amount and the customer detail in the app; cash moves between them.

4

Authenticate & settle

The customer authorises with a PIN; the transaction settles in real time against the agent's float.

5

Receipt & commission

Both parties get an SMS receipt, and the agent earns a commission tracked automatically.

Powered by

Manam MobeeOmni-channel digital banking — apps, web, USSD, SMS, STK, wearables, and social — delivered as one consistent, secure experience under your brand.

Frequently asked questions

What is agent banking?

Agent banking lets banks deliver services through authorized third-party agents — typically local merchants — who handle cash-in/cash-out, account opening, and payments on the bank's behalf.

How does agent banking support financial inclusion?

Agents bring banking services to communities without branches, letting customers transact in cash locally while staying connected to the digital financial system.

How are agents and float managed?

Agents are onboarded with KYC and transaction limits, while automated commission and float monitoring track balances and earnings in real time — with a full audit trail for every transaction.