Mobile Virtual Banking

Transforming Operators to Virtual Banks!

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MVB (Mobile Virtual Banking)

MVB (Mobile Virtual Banking) is a Virtual Bank operator-enabler platform, allowing mobile network operators to become Virtual Bankers. Utilizing our M-Analytics tool- our Big Data analytics tool- MVB extracts customer profiles from mobile operators’ data under the framework of GDPR rules and regulations.

Transforming Operators to Virtual Banks

With MVB, we bring Banks and Telcos to join forces and recover the loss in profits. Mobile Operators will be able to deliver all banking services:

  • Savings
  • Immediate cash-back option
  • Peer to peer lending
  • Crowdfunding
  • Family office
  • Cross-channel analysis
  • Digital credit scoring
  • Loyalty compensation
  • Access to all kinds of loans
  • Robo-advisor
  • Insurance and InsureTech services
  • Loyalty programs

At the same time, MVB grants subscribers the ability to transfer and collect money by using the mobile and while avoiding the risk of using cash. It also gives them the ability to transfer instantly to any other subscriber on the network, pay invoices and collect from other subscribers.

Using M-Analytics tool which is powered by Machine Learning technology, MVB provides:

Deep Insights

Deep Insights

• Factors affecting riskiness of borrowers

• Red flags

• Impact of credit policy changes on approval rates, NPLs

Actionable Recommendations

Actionable Recommendations

• Approve or reject a given loan

• Risk based pricing of loans

• Set credit limits on the basis of risk & pricing power

Tremendous Customizability

Tremendous Customizability

• Capture patterns unique to each lender & exploit them

• Customize solution to each geography, demographic & market landscape

Optimize Custom Metrics

Ability to Optimize Custom Metrics

• Optimize for metrics such as Net Interest Income or NPL

• Optimize credit policy on cost of capital & interest spread to achieve business goals