Leveraging know-how and technology
MLabs focuses on embedded finance, digital-mobile banking and financial platforms, and on how they should be designed, built, and scaled. Across the globe, virtual banks without a physical presence are launched every year, to meet the needs of underserved market segments such as unbanked and underbanked. VBMLabs offers the latest in innovation and access by gathering intellectual property and ideas on how to provide the most efficient software for Neobanks, and Mobile Operators. MLabs understands the FinTech requirements and knows how to leverage expertise, innovation and technology.
For Embedded Finance
Neobanks, Embedded Finance, and Mobile Operators now can adopt MLabs platform and products for fast, secure digital-mobile financial services.
True Digital Banking
MLabs SaaS platform and products are optimized for Neobanks needing loans and savings accounts, payment of bills or money transfers, and other services directly on the mobile phone. MLabs product suite address every part of the value chain through its agile and lean frameworks. Branch-less banking is the new standard where the only infrastructure for miles around is a cell tower. MLabs products are built and optimized for any currency or language, fast and easy to be deployed to realize neobanks plans. MLabs business model can help to extend the neobank offerings to increase customers engagement and achieve targeted markets.
Customer Lifetime Value
MLabs products are optimized for any currency or language and are easy-to-deploy and operate APIs to integrate the accounting/payment infrastructure. Connecting with the customer on a personal level is essential these days, MLabs can help providing compelling complementary financial products from Know your customer to know your business, to access emerging ecosystems and platforms with true functional differentiation. MLabs products can add new functionality in a very fast rollout. MLabs SaaS platform and products provide real-time financial services to improve the relationship with the Incumbent banks. MLabs can help to realize the new Incumbent banking plans.
Increase Customer Loyalty
MLabs can enable Mobile Network Operators (MNOs) to efficiently operate with loan origination agencies,
and retailers to deliver financial services to the customers as never before. For instance, in the developing world, a person’s cell phone (SIM card) is increasingly becoming an important form of identity, but it can also be her/his only channel to financial services. MNOs can now improve their performance in digital mobile banking by incorporating MLabs products as an integral part of their value supply chain. MLabs product suite can enhance MNOs financial performance, through reduction in “customer churn” and increase in Average Revenue Per User (ARPU).
Modernizing Core Technology
MLabs enables financial organizations to leverage the SaaS cloud-native portfolio of financial software products to deliver fast, robust and comprehensive banking services. MLabs support the requirements of the financial operators to be competitive. MLabs provides high scalability to effectively manage unlimited processing power and storage, applications agility, speed-to-market, and variable pay-per-use cost structures. MLabs products and programs have been designed to operate in SaaS modality.