Online Commerce is a rapidly growing commerce segment. The convenience of being able to purchase whatever your customers need and have it shipped to their home or office is a powerful value proposition. But, with 90+% of commerce transactions taking place at a retail location, retail is still king. And that king still lives on cash, credit and debit cards and checks. However, what if you could combine the convenience of online commerce with the immediacy of retail through your customers’ mobile devices? That is mFino Mobile Commerce.

mFino Mobile Commerce enables telcos, banks and merchants to offer their customers the ability to make purchases using their mobile device in retail stores. Customers purchase with their mobile device; and retailers facilitate purchases with POS devices, tablets and phones. Banks and telcos set up and manage merchant ecosystems for their customers. mFino Mobile Commerce removes the need for cards, checks and cash, and puts all of your customers’ money securely within their mobile device. This simplifies the purchasing experience and increases the possibility of making that sale.

Key Capabilities:

  • Account access from any channel – mobile (any phone or tablet), PC, retail, NFC, call center, ATM
  • Use any payment method – cash, debit card, credit card, bank account, stored value card and e-money
  • Capture complete customer information, providing 360 degree customer across all accounts and activities
  • Buy goods or services online
  • Buy goods or services at a retail store
  • Provide customer account statements
  • Standard and custom reporting for data analysis and compliance


  • Convenient – provide the ability to buy goods and services at participating retailers using only a mobile device
  • Flexible – use a wide variety of payment instruments, appealing to banked and unbanked parties
  • Secure – provide users access to transactions without having to carry money or cards (debit or credit): transactions protected with encryption and PINs