Trend 04
Composable, cloud-native cores
Deploy module by module, on your infrastructure.
Alpha Banking Experience · TechurateCompose your bank.
Every layer, intelligent.
Every release, silent.
ABX is the AI-native, composable platform to compose your bank , products, agents, models, brand and journeys, as one continuously evolving experience. Not features. Intelligence. Not monolithic. Composable. Not project-based. Continuous.
Launch a bank in 40 secondsWatch the interactive ABX wizard demo, no signup required.Compose · Products
Pick your products. Ship a bank in weeks.
A modular catalog of banking capabilities, retail, corporate, lending, payments, onboarding, APIs. Activate what you need. Assemble every customer segment on one canvas. New AI-native products land every 30 days.
12.27
ABX
Robert
Hello, Alex
Which product should we spin up today?
Recommended picks
RETAIL
ABX Wallet
Consumer flagship app
Add →
LENDING
ABX Lending
Origination + underwriting
Add →
AI
ABX BankGPT
Bilingual AI Mesh
Add →
Quick actions
Add Cards
Enable Lending
Wire BankGPT
+Ask ABX to compose your bank…
Build the perfect bank
Three moves: compose the channels, wire the intelligence, and launch on your brand.
Compose the channels
Wallet, mobile, internet, agency and branch, activated from one canvas.
Wire the intelligence
BankGPT, AI Mesh and credit scoring grounded in your customer 360.
Launch on your brand
The Wizard emits a branded, integrated shell, ready in weeks not years.
ABX Voice concierge
Not sure which product fits your bank?
Ask ABX Voice, it knows the whole platform, category by category, and can guide you to the right starting point.
Customer Channels7 products
Operations6 products
Risk & Compliance1 product
Insight3 products
The Differentiator · AI Workforce
Build your AI workforce.
Not chatbots. A specialised roster of banking agents that plan, decide and act, supervised, auditable, and always on. Fifteen roles ship with the platform. New agents join every quarter.
How they work
- Copilots assist your bankers in real time.
- Autonomous agents run volume workflows end-to-end.
- Human-in-the-loop for policy-graded decisions.
- Guardrailsauditable, explainable, regulator-ready.
A01Live
Customer Assistant
Retail concierge
A02Live
Loan Officer
Origination & servicing
A03
Relationship Manager
Corporate & SME
A04
Credit Underwriter
Decisioning
A05Live
Fraud Detection
Realtime risk
A06
Risk Monitoring
Portfolio surveillance
A07
Collections
Recovery workflows
A08
Compliance Officer
AML · KYC · sanctions
A09
Operations Assistant
Ops back-office
A10
Treasury Assistant
Liquidity & FX
A11Live
Customer Support
Voice · chat · email
A12
Branch Assistant
In-branch teller copilot
A13
Executive Dashboard
CXO insight agent
A14
Product Designer
Journeys & offers
A15Live
Banking Copilot
All-purpose banker copilot
Continuous cadence. New agents, new journeys, new products every 30 days. Silent releases, zero disruption , innovation becomes routine, not reactive.
See the workforce in action →Explore · Catalogue
Pick your products. Build one connected bank.
Browse by category, then step through each product to see what it does and where it fits in your stack.
Live · Multi-country
ABX Wallet Banking
A ledger you can trust, to the last cent
How it works
Launch your bank in 3 simple steps.
Configure it. Preview it. Launch it.
Step 01
Configure
Set your brand, your Core Banking System, your regulatory market, and pick your channels in the ABX Wizard.
Create New App
Brand · Core Banking · Market · Channels
You're in good company
“The ABX pipeline shipped our retail bank in 6 weeks, signed apps, admin console, and USSD from one config.”
Head of Digital
Gadaa Bank · Ethiopia
AwashFDHAzaniaNisir
See all 14 products Step 02
Generate
ABX's pipeline builds signed mobile apps, web apps, and admin consoles automatically. No bank-specific code, ever.
Step 03
Go live
Deploy to app stores, web, and USSD gateways in weeks. Every channel, one config source of truth.
Ready to see it end to end?
The market · 2026 outlook
AI-first isn't a feature. It's the new core.
Every channel, every workflow, instrumented for AI from day one, not retrofitted.
Why it matters
1B+
unbanked adults across ABX markets
9,000+
AI decisions per hour, per deployment
<0.3s
median inference latency
54
regulatory frameworks across Africa & South Asia
Trend 01
Agentic AI in banking
Purpose-built agents run the workflows, not people.
Explore product→
Trend 05
Regulator-native compliance
Built on NBE, CBK, RBI, not retrofitted.
Explore product→
AI-first isn't a plugin, it's the whole platform.
See the AI-first products →The AI layer
Your bank's AI workforce, built in.
A mesh of purpose-built agents, savings, lending, complaints, notifications, orchestrated by Amara, the concierge, and grounded in BankGPT, an on-prem LLM running inside your own infrastructure.
- On-premise LLM deployment · air-gapped inference tier
- NBE / CBK regulator-aligned compliance architecture
- Voice + text, multi-language including Amharic & Swahili
Amara
Concierge
8 agents · realtime mesh
Global footprint
Battle-tested where banking is hardest.
Real banks, real regulators, real transaction volumes. Every ABX module has been proven in production across the markets most vendors avoid.
Ethiopia
GadaaAwashNisir MFI
Malawi
FDH BankAfrica One
Tanzania
AzaniaCRDBNMB
Zambia
RetailAgency
Kenya
DigitalMFI
Ghana
USSDMobile money
India
NNSBSatara
UAE
Regional HQGlobal Sales
Eleven years engineering banking channels
A customer legacy across continents.
Trusted by banks, financial institutions and enterprises across emerging markets to power secure, scalable and future-ready digital financial experiences.
35+
Banks deployed
20+
Countries live
11 yrs
Fintech innovation
ISO 27001:2022
Certified
Selected clients across Africa, the Middle East and Asia. Tier-1, tier-2 and digital-first banks. Click to enlarge.
Customers & success stories
Proof, not promises.
Real banks running ABX in production, serving customers across Africa on channels their communities actually use.
Read case study
Gadaa Bank · Ethiopia
Six channels live in 24 weeks, banking that reaches every woreda.
Read the case study→
Case study coming soon
Global Bank Ethiopia · Ethiopia
Branch automation with smart kiosk banking.
Read case study
Azania Bank · Tanzania
East Africa's Leading Digital Transformation Bank · 2025.
Read the case study→
Security & compliance
Rigor as a standing practice, not a checkbox.
Structured, recurring security reviews across every module before production sign-off. The posture a bank's own CISO expects.
Read the security posture →Multi-tenant isolation
Namespace-per-bank with database-level RLS.
On-prem & sovereign cloud
Helm-chart deployable for in-country data residency.
NBE / CBK alignment
Regulator-aligned architecture across markets.
HashiCorp Vault
Enterprise-grade credential vaulting throughout.
OWASP review cycles
Structured, recurring hardening before production sign-off.
DEVICE
- Root detection
- Screen-share detection
- Malware scanning
- MFA
ACCESS
- Biometric auth
- SSL pinning
- TOTP
- SQLi guard
DATA
- End-to-end encryption
- Checksum verification
- XSS guard
SESSION
- SSL certificate pinning
- Auth management
- CSRF protection
- File upload guard
Product-led. Self-serve.
See your bank on ABX before you talk to anyone.
No sales call required to explore. Configure a bank in the wizard, request sandbox access, or download the full architecture, on your time, on your terms.