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Bank Innovation Infrastructure

A complete white-label banking infrastructure for Africa.

Built by NEOTIC, the team behind Kalbe, the first Mauritanian fintech to issue virtual cards.

We’re not guessing what African banks need — we live it.

Designed for Africa

That’s why our infrastructure works: it’s built by people who experience Africa’s financial challenges every day.

Proven reliability

Shaped by Kalbe’s learnings to deliver a platform ready for mission-critical volumes.

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The challenge

African banks face major headwinds.

Digital leaders must deal with legacy architectures, integration timelines that no longer match market expectations, and fintech competitors that move faster. Before transforming, the blockers slowing new value propositions must be clarified.

BII places these issues at the heart of its method to accelerate modernization without disrupting critical operations or compliance.

Illustration of locked legacy systemsChallenge

Obsolete systems

Aging, closed infrastructures that slow experimentation and time-to-market for new services.

Illustration of costly technology integrationsChallenge

Costly integrations

Complex integration projects stretching over 12 to 24 months, heavily mobilizing IT teams and capital.

Illustration of rising digital demandChallenge

Rising demand

A rapidly digitizing customer base expecting seamless, instant, and personalized journeys.

Illustration of fintech competitionChallenge

Fintech competition

Agile players capturing younger segments, speeding product innovation and redefining experience standards.

Modular solution

BII deploys ready-to-use modules.

Each module fits quickly into your core banking or existing systems. Customer journeys are white-label, secure, and orchestrated from a single operator console.

Mix the building blocks that match your business priorities: mobile money, premium cards, targeted savings services or open APIs for partners.

Illustration of a mobile money walletModule

Mobile Money

Instant P2P between customers, multi-currency internal wallets, QR code and cash-in/out orchestrated with real-time audit.

Illustration of banking payments and billingGIMTELMauritania

Payments & billing

Centralized collection of public and private bills, telecom and utility integrations, automated reconciliation.

Illustration of digital bank cardsModule

Bank cards

Issuing and managing virtual and physical cards, dynamic limits, corporate and retail spend control.

Illustration of a digital credit moduleModule

Lending & Credit

Intelligent scoring, digital credit workflows, dynamic pricing and portfolio tracking for retail and SMEs.

Illustration of a digital savings solutionModule

Digital savings

Agile savings products, scheduled plans, personalized rates and data-driven incentives.

Illustration of KYC and compliance processesModule

KYC & Compliance

OCR, selfie liveness, real-time screening, audit logs and reports ready for the Central Bank.

Illustration of a banking API sandboxModule

Open API & Sandbox

Secure test environment, interactive documentation, partner certification kits and developer monitoring.

Illustration of a customer support moduleModule

Customer Support

Omnichannel desk, contextual scripts, automated escalations and VOC reporting for your customer teams.

Illustration of a banking analytics moduleModule

Analytics & Decisioning

Executive KPIs, compliance dashboards, customer segmentation and AI alerts to spot opportunities and risks.

Institutional trust and execution quality.

We orchestrate banking transformation with a proven method combining service design, API industrialisation and regulatory governance.

Each deployment is supported by a dedicated NEOTIC task force: data, compliance, payments and customer experience specialists.

Executive framing workshop

In 72 hours, we align your leadership teams on the BII target: product vision, regulatory trajectory, success KPIs and governance plan.

Download the sample agenda
Illustration of a secure digital vaultBII

Native banking security

Zero-trust architecture, PCI-DSS compliance and proactive monitoring for African and international banking requirements.

Illustration of a modular customer interfaceBII

White-label customer experience

Customisable web and mobile interfaces, omnichannel journeys and seamless integration with existing systems.

Illustration of a banking orchestration flowBII

Operator orchestration

Real-time control tools, automated workflows and ready-made executive reporting.

Illustration of a compliance and governance sealBII

Regulatory governance

Compliance blueprints, prudential reporting and documentation ready for risk and audit committees.

Signals for executives.

Clear indicators to evaluate investment relevance, execution speed and operational resilience expected by your board.

12+ countries

Regulatory coverage and qualified integration partners already in place.

< 8 weeks

To deploy a full minimum viable product, from onboarding to virtual cards.

99.95% SLA

Resilient platform designed for critical volumes and high availability.

Roadmap to launch.

A controlled trajectory from strategic framing to industrialising digital journeys.

Timeline illustrating the BII launch steps
  1. 01

    Offer design

    Use case validation, UX/UI blueprints and regulatory alignment through joint workshops.

  2. 02

    Accelerated integrations

    Ready-to-use connectors to core banking, KYC providers and regional payment rails.

  3. 03

    Orchestrated launch

    Go-live steering, team training and 24/7 monitoring to safeguard your KPIs.

Executive teams can access a detailed BII blueprint on confidential request.

Explore the GTM blueprint
Contact

Talk to Us

We run framing workshops dedicated to decision makers: product vision, regulatory trajectory, technology roadmap and market launch calendar.

Head Office

Ilot M96 Floor 2 B2 - Tevragh Zeina • Nouakchott, Mauritania

Regional Presence

Mauritania · Remote EMEA delivery

Primary Contact

contact@neo-tic.com

Direct Line

+222 37 39 39 27

Corporate Information

NEOTIC SARL

Executive briefing

Connect with the BII team

Share your transformation objectives. We assemble a dedicated task force to frame the regulatory, technical and operational trajectory tailored to your institution.

All shared information remains strictly confidential and is only used to prepare your BII executive workshop.

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Subscribe for the latest insights, product updates, and strategic guidance tailored for African banking leaders.

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Experience it live

A controlled trajectory from strategic framing to industrialising digital journeys.

Request a demo