Terafin
Digital Channels

Accelerated Digital Channels.

Expand your digital engagement to attract niche consumer or SMB verticals under your bank or partner brand. White-label neobank experience with seamless account ledger, payments, and card - market-ready in months.

Platform Technology Powered by our orchestration platform Built by our primary platform partner Delivered by Terafin across Middle East & Africa
Why Digital Channels

New brands. New verticals. New revenue.

Launch niche digital bank brands to capture new deposits, expand product offerings to existing SMB and commercial clients, and grow payment volumes within your digital channels - all without building a new core banking system.

Niche Digital Bank Brands

Create a new digital bank brand targeting a specific consumer or SMB vertical - gig economy, healthcare workers, SMEs, expat communities - under your banking licence.

Expanded Product Offerings

Expand product offerings to existing SMB and commercial clients through a tailored digital experience with integrated accounts, payments, and card issuance.

Grow Payment Volume

Grow payment volume within your digital channels by connecting each new brand directly to our unified payment engine.

Platform Features

Powerful infrastructure. Complete control.

Multi-Brand Experience

White-Label Digital Banking Under Your Brand

Our white-label digital experience provides a seamless account ledger, payments, and card experience - co-branded per program and deployable under your bank or partner brand without custom development.

  • White-label UI - co-branded per programme
  • Seamless account ledger, payments, and card
  • Configurable onboarding journeys per vertical
  • Mobile-first - consumer and SMB ready
ExperienceWhite-label - co-branded per program
AccountsIntegrated ledger - bank-owned
PaymentsUnified rails per digital brand
CardsVirtual and physical per program
Vertical Targeting

Target Niche Consumer and SMB Verticals

Launch separate digital bank brands for specific verticals - gig workers, healthcare, expat communities, property managers - each with their own configured product set, pricing, and digital experience.

  • Gig economy - instant pay, sub-account splits
  • Healthcare - benefits management, payroll
  • SME banking - multi-user, approvals, expense management
  • Expat - multi-currency, remittance, cross-border
SegmentsConsumer, SMB, commercial, niche
ProductsConfigurable per vertical/programme
PricingFine-grained by programme
LaunchMonths - not years
Deposit Growth

Capture New Deposits Through New Digital Channels

Each new digital brand is a new deposit channel - expanding your deposit base beyond geographic constraints without requiring new banking licences or core infrastructure.

  • New deposit channels without new licences
  • Geographic expansion through digital-only brands
  • Integrated payments drive fee income per channel
  • Full visibility and control at the programme level
Funding modelNew deposit channels via digital brands
LicenceUses existing bank licence
RevenueFee income per digital channel
ControlBank-owned ledger - full visibility

Central Bank Digital Licensing Context

Central banks across the region have created regulatory frameworks for digital banks and digital-only channels operating under a traditional banking licence. Our Digital Channels solution is structured to operate within these frameworks - enabling banks to launch digital sub-brands without requiring a separate digital banking licence.

Ready to explore what's possible for your institution?

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