Where strategy meets technology.

Buildersongroup
Fintech & Payments

Building a Complete Digital Payment Ecosystem from the Ground Up

Enabling financial inclusion through comprehensive payment infrastructure for East Africa's underserved markets.

4
Platform Apps
64
Weeks to Launch
100%
Regulatory Compliance
5
Banking Integrations
The Client

A Vision for Financial Inclusion

A financial services organization in East Africa seeking to enter the digital payments market and provide accessible financial services to underserved markets across the region.

Industry: Financial Services & Fintech
Region: East Africa
Type: Established financial services provider
MaliPay Digital Payment Platform
The Challenge

Building Payment Infrastructure from Scratch

The East African digital payments landscape was dominated by high-fee solutions, creating barriers to financial inclusion.

Market Barriers

  • Existing solutions charged prohibitive fees for low-income users
  • Limited integration between consumer, merchant, and agent networks
  • Fragmented experience requiring multiple applications
  • Lack of credit access for consumers at point of purchase

Technical Complexity

  • No existing technical infrastructure or payment platform
  • Required integration with multiple banking systems
  • Stringent regulatory compliance requirements
  • Real-time processing with high reliability and security
Why Builderson Group

The Right Partner

Deep Financial Services Expertise

Senior consultants with extensive experience delivering payment systems for major financial institutions

Full-Stack Capabilities

End-to-end capabilities from platform strategy through production deployment, no multi-vendor coordination needed

Proven Delivery in Regulated Environments

Track record delivering mission-critical systems in highly regulated industries

Strategic Partnership Approach

Long-term partners invested in success rather than transactional vendors focused on delivering code

The Solution

The MaliPay Ecosystem

A comprehensive digital payment ecosystem serving the complete payment value chain—consumers, merchants, agents, and businesses.

Consumer Digital Wallet

  • Peer-to-peer money transfers
  • Bill payment functionality
  • Merchant QR code payments
  • Buy Now, Pay Later (BNPL) financing
  • Multi-currency support
  • Transaction analytics

Merchant Payment App

  • Point-of-sale acceptance
  • Real-time payment confirmation
  • Transaction reporting
  • Customer analytics
  • Accounting integration
  • Online & offline support

Agent Network App

  • Cash-in/cash-out services
  • Commission management
  • Compliance monitoring
  • Float management
  • Training modules
  • Performance tracking

B2B Payment Platform

  • Corporate payments
  • Bulk transactions
  • Multi-level approvals
  • ERP integration
  • Advanced reporting
  • Supplier management
Technical Excellence

Cloud-Native Architecture

Infrastructure

  • Microsoft Azure
  • Kubernetes
  • Multi-region deployment
  • Auto-scaling

Architecture

  • Microservices
  • Event-driven
  • RESTful APIs
  • Message queues

Security

  • End-to-end encryption
  • Tokenization
  • OAuth 2.0
  • Audit logging

Data

  • Azure SQL
  • Cosmos DB
  • Redis cache
  • Real-time analytics
Delivery Approach

Phased Execution

Phase 18 weeks

Strategy & Architecture

Comprehensive discovery, platform strategy, regulatory framework, and technical specifications

Phase 216 weeks

Core Platform

Foundational services including transaction processing, user management, and security infrastructure

Phase 320 weeks

Application Development

Parallel development of consumer wallet, merchant app, agent network, and B2B platform

Phase 412 weeks

Integration & Compliance

Banking integrations, payment networks, KYC providers, and regulatory reporting systems

Phase 58 weeks

Pilot & Launch

Controlled pilot, operational readiness, support training, and production launch preparation

Technical Achievements

Key Accomplishments

Ecosystem Integration

Seamless transactions across consumers, merchants, agents, and businesses with appropriate permissions

Real-Time Processing

Sub-second transaction confirmation with ACID compliance and comprehensive audit trails

Regulatory Compliance

Automated KYC verification, transaction monitoring, and audit logging for regulatory requirements

Multi-Channel Payments

Bank transfers, mobile money, card payments, and digital currencies through unified interfaces

Enterprise Security

Defense-in-depth with encryption, tokenization, fraud detection, and continuous monitoring

Scalable Architecture

Cloud-native design supporting millions of users with automatic resource provisioning

Technology Stack

Built with Excellence

Cloud

Microsoft Azure
Azure Kubernetes Service
Azure SQL
Cosmos DB

Backend

.NET Core
Node.js
Redis
RabbitMQ

Frontend

React Native
React.js
TypeScript

DevOps

Azure DevOps
Docker
CI/CD Pipelines
Application Insights
"Builderson Group demonstrated exceptional capability in delivering our payment platform vision. They brought deep financial services expertise, sophisticated technical skills, and a genuine partnership approach. The platform they built provides us with a strong foundation to compete in the digital payments market and serve our customers across the region."

Executive Sponsor

Financial Services Organization

Outcomes

Project Results

Platform Capabilities

  • Complete digital payment ecosystem
  • Multiple payment methods supported
  • Real-time transaction processing
  • Buy Now, Pay Later financing
  • Comprehensive agent network
  • Automated KYC/AML compliance

Business Enablement

  • Market Entry: Complete ecosystem ready for launch
  • Competitive Positioning: Lower transaction fees
  • Financial Inclusion: Accessible digital services
  • Revenue Diversification: Multiple revenue streams
  • Future Innovation: Flexible platform foundation
  • Regional Expansion: Multi-country support

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