YOUNG ADULTSMake the everyday effortless.
Fast actions · saving goals · discovery
9:41•••
Quick access to frequent tasks, with space to discover relevant services.
HAMORA ENTERPRISE
One Financial Fabric.
Many Economic Engines.
Digital financial infrastructure for banks, telcos and fintechs.
Launch new propositions. Connect the systems behind them. Deliver experiences for different audiences, with financial logic, execution, intelligence and institutional control working together.
THE FINANCIAL FABRIC
Shared context.
Connected capability.
BUILD ON THE FOUNDATION YOU TRUST
BANKSTELCOSFINTECHS
THE COORDINATION GAP
Make your financial systems
work together.
Launching and operating a financial product involves onboarding, product rules, pricing, partner execution, settlement and reconciliation. Each activity may work well on its own. The challenge is making the whole service work reliably across them.
Hamora connects these activities through shared context, coordinated workflows and clear controls. Your teams can follow a service across its lifecycle, identify exceptions and take authorised action.
ONE FINANCIAL SERVICE
CustomerProductPartnerSettlementReconciliation
A shared context across the operating lifecycle.
THE HAMORA FINANCIAL FABRIC
One architecture.
Every capability connected.
A shared foundation for product creation, distribution, transaction execution and digital experiences, with intelligence and institutional control across the service.
HAMORA ENTERPRISECAPABILITY ARCHITECTURE / 01
SEMANTICUnderstandKINETICExecuteDYNAMICAdaptGOVERNANCEGovern
EXPERIENCE & ACCESS
SHARED PLATFORM CAPABILITIES
CONNECTED INSTITUTIONAL SYSTEMS & PROVIDERS
Core bankingWalletsPayment railsBanks & partners
Product Studio configures, simulates and validates propositions on the financial foundation.Four dimensions operate across every configured workflow.
FINANCIAL ENGINE
Nexus owns the financial logic.
Product rules, accounts, wallets, pricing, ledger, settlement and reconciliation form the financial foundation. Select a capability or play an illustrative journey to see how the roles connect.
01 / PRODUCT STUDIOFrom “what if”
From “what if”
to ready for market.
Build the proposition. Simulate the economics. Test the edge cases. Move to launch using the same product configuration.
A reusable path to market, powered by the Financial Fabric.
Follow an example wallet payment from idea to launch.Illustrative Studio journey
ILLUSTRATIVE SANDBOX
02 / APP STUDIOSame financial power.
Same financial power.
A different experience
for every person.
A young customer, a customer who prefers guidance and a busy merchant need different journeys. Compose the interface around their world.
Adapt UI, UX, language, accessibility and service priorities by demographic, persona and role.
Three personas. Three distinct interfaces.
Compare the layout, navigation and service priorities. The financial capabilities underneath can remain shared.
ORIGINAL INTERFACE CONCEPTS / SAMPLE DATAGUIDED EXPERIENCEMake every next step clear.
Larger actions · plain language · help
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A preference-led design for customers who value clarity and assistance, across age groups.
MERCHANTSPut the working day first.
Collections · settlement · trading activity
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Payment acceptance, settlement visibility and business activity take priority.
Original App Studio interface concepts, created for this homepage. Balances, names and activity are sample content.
ONE SHARED FOUNDATION
Product rules · Financial logic · Execution · Intelligence · Institutional control
MANY UI / UX EXPRESSIONSHAMORA ENTERPRISE
Start with one priority.
Build on a shared foundation.
Each platform has a clear role. Explore how the capabilities fit together, then start where your institution needs value.
01Financial Engine
Nexus
Configure financial products and the logic behind them, including accounts, wallets, ledgers, pricing, settlement and reconciliation.
- Product and account configuration
- Pricing and financial logic
- Settlement and reconciliation
SOLUTIONS BY INSTITUTION
Built around your
institution’s priorities.
BANKING RELATIONSHIPS
Modernise around your banking foundation.
Expand payments, merchant services, remittance and embedded finance while improving service operations and institutional control. Build deeper customer relationships and more opportunities for fee income and retained balances.
Discuss your prioritiesVALUE TO YOUR INSTITUTION
- Fee income and product growth
- More relevant customer relationships
- Lower cost to serve
MANY ECONOMIC ENGINES
Connect infrastructure
to business value.
A stronger financial ecosystem creates value across revenue, margins, operating cost, distribution and customer relationships. Start with your baseline and identify where better coordination can improve the economics.
Grow revenue
Expand financial products across payments, merchants, remittance, embedded finance and partner channels.
Improve margins
Make pricing, fees, commissions and partner economics easier to configure, observe and manage.
Lower operating cost
Reduce repetitive work through self-service, coordinated workflows and better exception handling.
Strengthen distribution
Give agents, merchants and field teams the tools and visibility to serve customers more effectively.
Deepen relationships
Create more relevant reasons for customers to transact, return and use services within your ecosystem.
Bring revenue forward
Reuse integrations and product foundations to reduce duplicated work when launching new services.
HAMORA AI
Intelligence.
Delivered as products.
Focused intelligence for the customer, the commercial team and the people who run the institution.
FOR MANAGEMENT & OPERATIONSAsk your business.
Hamora Insight
Ask your business.
See what matters.
Explore connected business information in natural language. Move from a question about revenue, customers or service performance to the detail that helps your team decide what to do next.
Explore Hamora AIHAMORA INSIGHT / EXAMPLE QUESTIONSIllustrative
THE VIEW TO EXPLORE
Understand revenue by product and channel.
Explore product income, channel contribution, fees and partner economics, with the underlying records available for review.
Permissions, institutional policies and human oversight guide how intelligence is used.
ILLUSTRATIVE OPERATING JOURNEY
A simple customer experience.
A coordinated service underneath.
Consider an inbound remittance. Several capabilities work together behind the customer’s receipt of funds.
Connect the corridor
Remittance Hub coordinates corridor partners and cross-border operations.
REMITTANCE HUBApply the financial logic
Nexus applies configured product and pricing logic.
NEXUSCoordinate execution
Orchestration coordinates the workflow; the relevant bank or provider performs funds movement.
ORCHESTRATION + PROVIDERClose the financial loop
Settlement records and reconciliation support the financial close. ReconAI can assist with discrepancies.
NEXUS + RECONAICommand Centre gives authorised teams visibility into progress and exceptions. Connect supports assisted distribution where relevant, while Super Apps provide the digital experience.
Illustrative model. The deployed journey depends on the agreed scope, market, partners and controls.INSTITUTIONAL CONTROL
Keep authority
with your institution.
Bring product, operations, finance, risk and compliance teams into a shared operating view. Configure access, approval responsibilities and policy checks around the service you are delivering.
Decision records, transaction visibility and exception ownership help teams understand what happened, who acted and what needs attention. Regulatory workflows and reporting are configured for the agreed institutional and market requirements.
DELIVERY OPTIONS
Choose the model
your institution needs.
Modernise
Add shared execution, control, distribution and experience capabilities around the systems you already use.
Build
Establish new products, wallets, ledgers or digital channels where your strategy calls for new infrastructure.
Operate
Use a managed service or build-operate-transfer model, with operating responsibilities and capability transfer agreed from the start.
DiscoverDesignIntegrateConfigureTestLaunchOperate
The delivery plan reflects the use case, partner readiness, market requirements and operating responsibilities. Expand as the service proves its value.
START THE CONVERSATION
Start with the opportunity
that matters most.
Tell us what you want to launch, connect or improve. We will work with your team to map the service, identify the operating gaps and define a practical first phase with clear measures of value.
HAMORA FINANCIAL FABRIC DIAGNOSTIChello@hamora.ai