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AO Products
Future-ready digital products built for financial institutions, SACCOs, insurers and fintechs across Africa and Europe. Each solution is designed to accelerate compliance, strengthen security, improve customer experience and unlock new revenue opportunities.
KYC & eKYC Powered by Facephi
Deliver seamless and secure digital onboarding with world-leading biometric identity verification.
Our KYC and eKYC platform—powered by Facephi’s proven facial recognition technology—helps banks, SACCOs and insurers verify customers in seconds while meeting global compliance standards.
- Fully automated onboarding
- Liveness detection and spoof-proof biometrics
- Reduced fraud and operational costs
- POPIA, GDPR and AML compliant
Transform the way your customers sign up—anytime, anywhere.
Behavioural Banking & Behavioural Insurance
Empower customers with personalised financial guidance that truly changes behaviour.
Our Behavioural Banking & Insurance engine uses advanced data models,
behavioural science and customer insight frameworks to help institutions:
- Increase savings and investment activity
- Improve financial wellness
- Drive product uptake
- Reduce churn and insurance lapses
- Provide hyper-personalised nudges across mobile and digital channels
Built from our extensive experience in behavioural design, this solution delivers measurable uplift in customer engagement and lifetime value.
Transaction Monitoring (Fraud & AML) – Powered by Tazama
Stay ahead of fraud, AML risks and suspicious activity with real-time transaction intelligence.
Our transaction monitoring platform, powered by Tazama, helps institutions detect, investigate and report financial crime efficiently.
- Real-time rules-based and machine-learning detection
- Automated SAR/STR workflows
- Regulatory reporting for African and EU jurisdictions
- Full audit trails and case management
Protect your institution and customers with a modern, scalable AML platform.
Enterprise Service Bus (ESB) – Built for Kenya SACCOs
A high-performance integration backbone designed specifically for SACCO operations.
Our ESB accelerates digital transformation by enabling SACCOs to connect core systems, mobile apps, third-party channels and regulatory platforms seamlessly.
- Event-driven architecture
- High throughput for growing SACCO member bases
- Simplified integration to core banking, mobile money, credit scoring and payment rails
- Secure API governance
Designed for Kenya’s SACCO ecosystem—scalable for Africa.
Open Banking from Tietoevry
Enable secure, compliant data sharing and launch new digital revenue models with Tietoevry’s industry-leading Open Banking platform.
- PSD2-grade APIs
- Strong customer authentication
- Consent management
- Access to banks, fintechs, and third-party providers worldwide
Unlock the future of connected financial services.
API Marketplace from Tietoevry
Accelerate innovation with a modern API Marketplace that lets your institution expose, monetise and manage APIs effortlessly.
- Developer-friendly API catalogue
- Built-in analytics, security and usage controls
- Enables partnership models and embedded finance
- Supports both internal and external API ecosystems
Bring your open-finance strategy to life with confidence.
Card Management Software – Tietoevry
Deliver a modern, secure and scalable card ecosystem with Tietoevry’s industry-leading card issuing, acquiring and switching technology. Designed for banks, fintechs and digital-first institutions, our solution supports the full card lifecycle—from issuance to transaction processing, fraud prevention and dispute resolution.
Core Capabilities Include:
Multi-Product Card Issuing Issue debit, credit, virtual, corporate and prepaid cards with full EMV compliance and flexible product configurations.
Acquiring & Switching Process card transactions seamlessly across ATM, POS, eCommerce and mobile channels using Tietoevry’s high-performance switching platform.
3DS v2 for Secure eCommerce Protect online payments with frictionless authentication, meeting PSD2 SCA requirements while reducing customer checkout abandonment
Tokenisation & Instant Digital Cards Enable secure mobile wallets and instant digital issuance across Apple Pay, Google Pay and other token service providers.
Advanced Fraud Management Leverage real-time monitoring, AI-driven risk scoring, and configurable rules to block fraud, lower chargebacks and safeguard customer transactions.
Dispute & Chargeback Management Streamline the full dispute lifecycle with automated workflows, evidence handling and scheme-compliant processes.
PIN Management & Card Controls Offer secure PIN generation, delivery, and real-time card control features such as freeze/unfreeze, limits, travel notifications and channel restrictions.
Why It Matters Tietoevry powers some of the world’s most trusted financial institutions with resilient, compliant and high-availability card systems. With AO Group, you get seamless implementation, regional expertise and a platform ready to launch world-class card products—quickly and securely.
Mobile Banking – Built for Kenya SACCOs
A secure, intuitive mobile banking platform designed to meet the everyday needs of SACCO members.
- Balance inquiries, mini-statements, transfers and loan applications
- Integrations with M-Pesa, USSD, credit scoring and SACCO core banking
- Alerts, notifications and personalised financial insights
- Strong authentication and compliance-ready security
Deliver a seamless member experience and grow digital adoption across your SACCO.
Let us help solve your problems
We combine innovation, technology, data, and commercial storytelling to build solutions that
solve real problems and unlock new revenue streams for your business.