Trend 01
Agentic AI in banking
Autonomous agents are replacing manual banking workflows — from loan processing and dispute resolution to compliance drafting. ABX ships with a mesh of purpose-built agents from day one.
The AI-Native Digital Banking Platform
One platform.
Every banking channel.
Live in weeks, not years.
ABX is the digital banking platform built by Techurate — the team shipping production banking software across Africa and beyond for over a decade. Mobile, internet, agency, merchant, lending, wallet, USSD, and AI customer engagement — configured from one wizard, running on infrastructure battle-tested by real banks, real regulators, and real transaction volumes.
abx · launchpad
Live
Market🇪🇹 Ethiopia
Core Banking SystemFlexcube ✓
Brand
Periwinkle
Products
Mobile BankingInternet BankingAgency BankingBankGPTUSSDLending
Generating your build0%
Mobile0%
Web0%
Agency0%
Admin0%
Trusted in production across 6+ countries
Gadaa Bank
Azania Bank
CRDB Bank
NMB Bank
Awash Bank
FDH Bank
Nisir MFI
Satara
10+years
in production African digital banking
6+countries
live deployments across Africa & India
19+bank brands
on the platform's white-label engine
12·1products · wizard
entire channel stack from one config
How ABX works
Configure once. Launch everywhere.
The website you're reading behaves like the product. That's the point. See it, configure it, feel it — before a single sales conversation.
STEP · 01
Configure
Set your brand, your Core Banking System, your regulatory market, and pick your channels in the ABX Wizard.
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.
Every channel your bank needs
14 products. One wizard. One platform.
The full retail, corporate, agency, merchant and AI-first stack — generated from a single configuration, deployed together, evolved together.
01 · Core Products14 products
Live · Gadaa Bank
ABX Mobile Banking
The account in every customer's pocket
Explore product →
Live · CRDB
ABX Internet Banking
Corporate-grade web, consumer-grade UX
Explore product →
Live · Africa & India
ABX Agency Banking
Banking where there is no branch
Explore product →
In deployment
ABX Merchant Portal
Every merchant, a digital acceptance point
Explore product →
Live · All banks
ABX Admin Console
The single control room for your digital bank
Explore product →
Live · Ghana *920#
ABX USSD
The fastest USSD agent banking on the continent — dial and done
Explore product →
Live · Multi-country
ABX Wallet Banking
A ledger you can trust, to the last cent
Explore product →
Smart Recon lineage
ABX Auto Reconciliation
Reconciliation that runs itself
Explore product →
Live · Africa
ABX Smart Branch
The branch, reimagined in 5 experiences
Explore product →
Cross-channel
ABX DataMaster
See your whole bank, in real time
Explore product →
Live · FDH Malawi
ABX Lending
Credit decisioning for thin-file borrowers using alternative data signals
Explore product →
AI-first · New
ABX Voice
Multilingual AI voice contact centre — English, Amharic, Swahili, French, Arabic
Explore product →
AI-first · New
ABX ComplianceAlert
AI-summarised regulatory alerts from NBE, CBK, RBI and 30+ central banks
Explore product →
AI-native · New
ABX Virtual Farmers Market
Agriculture meets bankable trade — a three-sided, escrow-settled marketplace
Explore product →
The market · 2026 outlook
AI-first isn't a feature. It's the new core.
Digital banking in Africa and South Asia is not catching up to the West — it is leapfrogging it. Mobile-first customers, informal-economy majorities, thin credit files, and 54 sovereign regulators demand a banking platform designed from the ground up around intelligence, not retrofitted with it.
ABX is that platform. Every channel, every workflow, every back-office function is instrumented for autonomous agents, alternative-data decisioning, and regulator-native reporting — inside your own infrastructure, under your own governance.
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 02
Alternative-data credit scoring
Over one billion adults across our markets have no formal credit history. ABX ScoreAI unlocks them in under 4 seconds using mobile-money, behavioural and psychometric signals.
Trend 03
Multilingual conversational banking
Customers expect to bank in Amharic, Swahili, Arabic, French, Hindi. ABX Voice and BankGPT deliver bank-owned, on-premise conversational AI — not a public-cloud chatbot.
Trend 04
Composable, cloud-native cores
Legacy monoliths are being replaced by composable microservices deployable in weeks. ABX is Helm-chart deployable to sovereign cloud or on-prem, module by module.
Trend 05
Regulator-native compliance
54 sovereign frameworks, 40+ currencies. ABX RegReport and ComplianceAlert are trained on NBE, CBK, RBI, BoG and 30+ central-bank frameworks — not retrofitted from Western templates.
Trend 06
Embedded finance & BaaS
Banks are becoming infrastructure. ABX LaunchKit lets a partner spin up a compliant neobank MVP in 30 days on your rails — and your P&L.
The thesis is simple. Banks that treat AI as a plugin will always be one release behind. Banks built on ABX ship intelligence as part of every channel — on day one.
See the AI-first modules →The AI layer
Your bank's AI workforce, built in.
ABX ships with a mesh of purpose-built AI agents — a savings coach, a lending assistant, a complaints handler, a notification engine, and BankGPT, the customer engagement AI running securely inside your own infrastructure. Not a chatbot bolted on top. An AI layer woven through every channel.
- On-premise LLM deployment · air-gapped inference tier
- NBE / CBK regulator-aligned compliance architecture
- Voice + text, multi-language including Amharic
Amara
Concierge
Nuru
Savings Coach
Kea
Investment
Onboarding
KYC Agent
Loan Agent
Credit
Complaint
Resolution
Notification
Delivery
BankGPT
On-prem LLM
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.
Live in production
Ethiopia
Gadaa · Awash · Nisir MFI
3 banks live→
Live in production
Malawi
FDH Bank — Africa One
Pulse & Chama live→
Live in production
Tanzania
Azania · CRDB · NMB
3 banks live→
Live in production
Zambia
Retail & agency
Live deployment→
Live in production
Kenya
Digital & MFI
In deployment→
Live in production
Ghana
USSD & mobile money
Agent network→
Live in production
India
NNSB · Satara
Tigiverse roots→
Case studies
Proof, not promises.
Gadaa Bank · EthiopiaRetail · Mobile · Admin
TigiOS — end-to-end digital retail bank
From core-connected mobile onboarding to full transactional banking, launched under NBE oversight.
FDH Bank · MalawiLending · AI · Wallet
Africa One — Pulse, Chama & ABX GPT
Harvest-cycle-aware credit and group-lending unlock for VSLAs, plus a bank-controlled AI concierge.
Azania Bank · TanzaniaInternet · Agency
Corporate-grade internet & agency banking
Maker-checker approval flows, bulk salary processing, and agent float management at national scale.
Nisir Microfinance · EthiopiaMFI · Wallet · USSD
FiinosIQ™ — MFI-native digital stack
OWASP-reviewed, multi-tenant deployment tuned for microfinance economics and thin-file borrowers.
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.
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.