APZBNK Banking Services Platform

Use Case 1: Retailer-Backed Digital Wallets
Retail chains or telcos can launch branded wallets that allow customers to load money, earn rewards, pay bills, and save — all within one app.

Use Case 2: NGO & Government Disbursements
Distribute social grants, aid, or funding directly into secure digital wallets, with real-time monitoring and usage control.

Use Case 3: Embedded Finance in Apps
Super apps, gig platforms, or ride-hailing services can integrate wallets, payment rails, and savings features into their user flows using APZBNK APIs.

Use Case 4: Community Savings Programs
Support stokvels, cooperatives, or church groups with shared savings, group wallets, and payout scheduling functionality.

Use Case 5: Youth & Student Banking
Universities or sponsors can create purpose-built digital accounts with smart limits, cashback rewards, and education-focused incentives (e.g., Tenetech).