Fueling Financial Inclusion through Digital Wallet Solutions


Digital wallet services are becoming increasingly popular as people opt for cashless transactions. Users can save money, execute transactions, and keep track of past payments with these financial applications.

Our client, one of the leading petroleum distribution companies envisioned a comprehensive digital wallet app to provide financial inclusion to the marginalized community. To create a seamless one-stop solution for customers and merchants, our team developed a complete solution consisting of a customer app, agent app, and merchant portal. This digital wallet service was designed to eliminate barriers and provide benefits, meeting all requirements for a secure experience.


  1. Our Client Aimed to Provide Financial Inclusion to the Local Community Through an All-in Digital Wallet App
  2. Our Team Developed a Complete Mobile Financial Service Solution, Consisting of a Customer App, Agent App, and Merchant Portal
  3. The Solution Offers a Simple and Secure Payment Process and Paves the Way for a Cashless Community.


Our team was approached by a client who wanted to create a digital wallet app that would serve as a one-stop solution for transactions, managing personal finances, and merchant payment. The goal was to provide financial inclusion to the local community and offer a secure platform for customers to store, manage and transact their money.

The primary challenge was to create an app that would provide a comprehensive solution for customers and merchants. The app had to be designed to address the unique requirements of the local market without any previous digital financial infrastructure.


We developed a complete solution to address the need for a mobile financial service in the client’s region, consisting of a customer app, agent app, and merchant portal. Each component of our solution was designed to meet the requirements.

The Customer app
offers menus like recharging the wallet, transferring money, and managing personal finances. To register, customers need to complete an eKYC step, where their ID card will be scanned. Users can keep balance from different sources such as bank or card and cash out from the wallet. They can also recharge their wallet from a bank or card through the app. The digital wallet app provides intuitive graphical representations for effective budgeting and expense tracking. Notifications are available for transaction approvals.

The Agent app is used by dedicated agents appointed by the company. They can log in using their phone numbers and recharge their wallets. There is also a cash-in system, and agents can check their transfer history.


The Merchant portal
allows merchants to easily receive payments from users and keep track of their transaction history. Admin can create merchant portals for self-registration, which will only be approved after proper document verification. Merchants can create branches and users, with each branch having access to their respective data only.

The portal includes a Refund and Dispute Management System, allowing merchants to refund money to customers if necessary. The transaction report feature helps merchants check transaction, fee, and refund reports by day, month, or year. There are graphical representations of Number of transactions, number of transactions, transaction trend, number of transactions in the dashboard. The refund and dispute management system makes it easy to manage and track refunds and transactions, including refunded transactions. For each branch created, merchants can monitor their transaction history and manage users’ data.

Admin has access to user management, account management, fee management system, and transaction settlement, among other options. The graphical representations of the number of transactions, number of transactions, and merchants by category give a quick glance of the scenario. With these features, admins can easily monitor and understand the status of the transactions and other management areas.


  • Convenience for Customers
    The Customer app offers convenience for managing finances such as recharging wallets, transferring money, and tracking expenses. Since there are many sources to draw money and recharge their wallet the solution offers flexibility.
  • Streamlined Merchant Transactions
    The Merchant portal offers merchants an easy way to receive payments from users and keep track of their transaction history. These features enable efficient payment processing and record-keeping for merchants.
  • Improved Management for Admins
    The solution makes it easy to monitor and understand the status of the transactions and other management areas for the admins.
  • Increased Efficiency for Agents
    The availability of the Agent app offers a straightforward and effective method for the company’s dedicated agents to handle their transactions, resulting in enhanced productivity.


  • The Digital Wallet solution provides a simple and secure payment process, ensuring that customers can make transactions with confidence and ease.
  • Users can enjoy the convenience of making payments without the need for physical cash.
  • The merchant portal allows merchants to receive payments from users and manage their transaction history and data in a secure way.

Services We Provide 

Brain Station 23 is focused on delivering tailored services to meet the unique needs and expectations of their clients. Here we provided Digital Wallet Solutions to our client. 

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