57% of Africans are unbanked. USSD can change that.
Deploy complete banking services via USSD without modifying your Core Banking System. Balance checks, transfers, micro-loans and bill payments.
The challenge of financial inclusion in Africa
Millions of people still lack access to basic banking services. USSD is the key to reaching them.
Unbanked adults in sub-Saharan Africa
Of the population with a mobile phone
Faster than branch deployment
Service uptime
Banking use cases
Complete banking services accessible from any mobile phone.
Balance check
Your customers check their real-time balance, transaction history, and account statements in seconds.
Transfers
Transfers between accounts, to other banks, or to mobile money, securely and instantly.
Loan applications
Submit micro-loan applications, track status, and repay directly from the phone.
Bill payments
Pay electricity, water, TV subscriptions, and other bills without visiting a branch.
2FA Authentication
Secure validation of sensitive transactions with an OTP code sent via USSD for two-factor authentication.
Mobile Money
Complete integration with mobile money operators for deposits, withdrawals, and inter-wallet transfers.
Benefits for your institution
Zoelya enables you to deploy robust, fast, and compliant USSD banking services.
Fast deployment
Launch new services in days, not months. Our drag & drop editor accelerates your time-to-market.
Real-time analytics
Track usage, completion rates, and customer behavior to optimize your journeys.
API integration
Connect Zoelya to your core banking, CRM, and existing systems via secure RESTful APIs.
Multi-language
Support local languages to reach all your customers, including rural populations.
Integration architecture
Zoelya sits between your operator and your Core Banking System, with no changes to your existing infrastructure.
Plug & play integration with major CBS (Temenos, Finacle, Flexcube)
Encrypted connections (TLS 1.3) between Zoelya and your systems, BCEAO compliance
Latency under 200ms, no changes to your existing infrastructure
Security & compliance
Banking-grade security standards natively integrated into every USSD interaction.
AES-256 & TLS 1.3 encryption
Communications between Zoelya Engine and your systems (Core Banking, USSD gateway) encrypted with TLS 1.3. Data at rest encrypted with AES-256.
BCEAO compliance
Compliant with Central Bank of West African States regulations.
SIM swap detection
Protection against fraud through SIM card swapping with automatic verification.
Session management
Secure sessions with automatic expiration and invalidation after inactivity.
FAQ - Banking
Is Zoelya compatible with my core banking system?
What is the deployment time for a new USSD service?
How does Zoelya handle transaction security?
How many concurrent users can Zoelya support?
Does Zoelya support mobile money?
Ready to digitize your banking services?
Join the financial institutions transforming the banking experience in Africa with Zoelya.