Admin Design
Agency banking
Agency banking is a financial service model where licensed financial institutions (primarily banks) appoint and manage approved third-party agents to deliver banking services to customers outside traditional bank branches.
Live web design
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Jan 6, 2023 – Jan 12, 2023
Last 7 days
Today transactions
₦182,480
Count
32
vs yesterday
2.3%
This year transactions
₦98.2M
Count
2,893
12.2%
vs last year
This month transactions
₦8.8M
Count
212
11.9%
vs last month
This week transactions
₦234,760
Count
212
4.5%
vs last week
All time transactions
₦504.8M
Count
210K
Acquirers
20
Merchants
443
Terminals
397
Processors
2
Active
231
Inactive
198
Geolocation for all Terminals
Total no of terminals: 22
Top Payment Schemes
2345 3456 3322 3223
₦660,200
Susan Sheidu
08/21
6M
5M
4M
3M
2M
1M
500K
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
All Transactions
Current week
Previous week
Last 7 days
Filter
Traffic by Merchants
Last 7 days
Last 7 days
Linus
300,000
Mac
425,100
iOS
502,000
Windows
601,800
Android
650,400
Other
720,564
Traffic by Transaction Types
Last 7 days
Last 7 days
100%
Deposits
Withdrawals
Bill payments
Others
Transaction Across Schemes
Last 7 days
Last 7 days
Union pay
₦967,200.00
AMEX
₦330,440.00
AFRIGO
₦34,111.00
MASTERCARD
₦512,101.00
VISA
₦110,111.00
VERVE
₦92,111.00
All Schemes
₦168.4M
438,289
90%
Filter
2.5m
2m
1.5m
1m
500k
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
Transaction Type
Withdrawal
Deposit
Airtime
Electricity
Transaction ID
TMS3484939
TMS3484900
TMS3484939
TMS3484900
Scheme
Afrigo
Verve
Union pay
Visa
Processor ID
76748993
76748993
76748993
76748993
Terminal ID
26789127
26789127
26789127
26789127
Amount
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
Transaction Fee
₦52.82
₦52.82
₦52.82
₦52.82
Date of Transaction
23/06/25, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
Status
Success
Failed
Pending
Failed
Recent Transactions
See all
Merchant
OVERVIEW
Dashboard
MAIN
Acquirers
Acquiring Institute Bin
Merchants
Terminals
Terminal Configuration
HSM
report
Transactions
Configuration
Secondary Routing
COnfigure
Processor
Crypto Keys
Log
Error Logs
Activity Logs
Platform
Roles and Permissions
Notifications & Alerts
User Profile
Logout
Dashbaord
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Today transactions
₦182,480
Count
32
vs yesterday
2.3%
This year transactions
₦98.2M
Count
2,893
12.2%
vs last year
This month transactions
₦8.8M
Count
212
11.9%
vs last month
This week transactions
₦234,760
Count
212
4.5%
vs last week
All time transactions
₦504.8M
Count
210K
Acquirers
20
Merchants
443
Terminals
397
Processors
2
Active
231
Inactive
198
Geolocation for all Terminals
Total no of terminals: 22
Top Payment Schemes
2345 3456 3322 3223
₦660,200
Susan Sheidu
08/21
6M
5M
4M
3M
2M
1M
500K
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
All Transactions
Current week
Previous week
Last 7 days
Filter
Traffic by Merchants
Last 7 days
Last 7 days
Linus
300,000
Mac
425,100
iOS
502,000
Windows
601,800
Android
650,400
Other
720,564
Traffic by Transaction Types
Last 7 days
Last 7 days
100%
Deposits
Withdrawals
Bill payments
Others
Transaction Across Schemes
Last 7 days
Last 7 days
Union pay
₦967,200.00
AMEX
₦330,440.00
AFRIGO
₦34,111.00
MASTERCARD
₦512,101.00
VISA
₦110,111.00
VERVE
₦92,111.00
All Schemes
₦168.4M
438,289
90%
Filter
2.5m
2m
1.5m
1m
500k
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
Transaction Type
Withdrawal
Deposit
Airtime
Electricity
Transaction ID
TMS3484939
TMS3484900
TMS3484939
TMS3484900
Scheme
Afrigo
Verve
Union pay
Visa
Processor ID
76748993
76748993
76748993
76748993
Terminal ID
26789127
26789127
26789127
26789127
Amount
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
Transaction Fee
₦52.82
₦52.82
₦52.82
₦52.82
Date of Transaction
23/06/25, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
Status
Success
Failed
Pending
Failed
Recent Transactions
See all
Merchant
OVERVIEW
Dashboard
MAIN
Acquirers
Acquiring Institute Bin
Merchants
Terminals
Terminal Configuration
HSM
report
Transactions
Configuration
Secondary Routing
COnfigure
Processor
Crypto Keys
Log
Error Logs
Activity Logs
Platform
Roles and Permissions
Notifications & Alerts
User Profile
Logout
Back to projects
Project Background
A significant portion of the population in rural and semi-urban areas lacks access to traditional banking due to distance from branches, limited infrastructure, and low digital adoption. This exclusion restricts participation in the formal financial system and slows local economic growth.
The agency banking platform was designed as a financial inclusion solution, enabling banks to reach underserved communities through trusted local merchants and agents equipped with POS devices. The solution has been deployed by financial institutions such as HOPE Bank, Swiftlink, and Stanbic IBTC to expand banking access without the cost of physical branches.
Transactions
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Transactions
All your transactions overtime are shown here
Download
Transaction ID
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
Scheme
Afrigo
Verve
Union pay
Visa
Mastercard
Amex
Union pay
Visa
PAN Masked
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
RRN
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
Card Scheme
1933
1933
1933
1933
1933
1933
1933
1933
Amount
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
Transaction Type
Card-cash-withdrawal
Card-cash-withdrawal
Transfer
Card-cash-withdrawal
Transfer
Transfer
Card-cash-withdrawal
Card-cash-withdrawal
Date Created
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
Status
Success
Failed
Pending
Failed
Success
Failed
Success
Failed
Terminal ID
8948493
8948493
8948493
8948493
8948493
8948493
8948493
8948493
Action
View details
View details
View details
View details
View details
View details
View details
View details
Showing 1-8 of 8 entries
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10
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Jan 6, 2023 – Jan 12, 2023
Filter
Merchant
OVERVIEW
Dashboard
MAIN
Acquirers
Acquiring Institute Bin
Merchants
Terminals
Terminal Configuration
HSM
report
Transactions
Configuration
Secondary Routing
COnfigure
Processor
Crypto Keys
Log
Error Logs
Activity Logs
Platform
Roles and Permissions
Notifications & Alerts
User Profile
Logout
The agency banking system was intentionally structured into two complementary layers to balance accessibility and control:
Merchant (POS) Layer – Designed for fast, assisted transactions in rural settings
Agent & Agent Manager Layer – Designed for oversight, accountability, and scale
About project
Timeline: 12 weeks
Year: 2025
Scope: MerchantAdmin Panel, Agent Manager Panel & Agent Panel
Tools used: Figma, Chat GPT, Notion
Problems
The Core Problems:
Lack of Banking Access in Rural Areas
- Long distances to the nearest bank branch
- High transportation costs and time loss for basic transactions
- Low trust or familiarity with digital banking apps
Infrastructure Constraints
- Poor internet connectivity
- Limited smartphone penetration
- Dependence on cash-based transactions
Operational Challenges for Banks
- High cost of building and maintaining rural branches
- Difficulty monitoring dispersed agents
- Increased fraud and compliance risk without proper oversight
Solutions
The solution aimed to:
- Bring essential banking services closer to rural communities
- Enable transactions through POS-based, assisted banking
- Support low-connectivity and low-literacy environments
- Give banks centralized visibility and control over rural agent networks
- Scale across regions without increasing operational overhead
Merchant
OVERVIEW
Dashboard
MAIN
Acquirers
Acquiring Institute Bin
Merchants
Terminals
Terminal Configuration
HSM
report
Transactions
Configuration
Secondary Routing
COnfigure
Processor
Crypto Keys
Log
Error Logs
Activity Logs
Platform
Roles and Permissions
Notifications & Alerts
User Profile
Logout
Terminals
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Terminals
Unified Payments
ID: UPRSTTSY56
Serial number: 4432321
Terminal category: Retailer
Registered date: 12/09/2025 08:12:34PM
Registered date: 12/09/2025 08:12:34PM
Transactions breakdown
All transactions
₦660,450.00
Count
210K
Successful transactions
₦400,190.50
Count
120K
Failed transactions
₦159,230.50
Count
90K
Terminal transactions
Terminal health status
Terminal current location
High temperature error detected
Battery Health
Fair
0
10
20
30
40
50
60
70
80
90
100
45%
Charge level
45% out of 100%
0
10
20
30
40
50
60
70
80
90
100
70%
Capacity
3500 out of 5000mAh
Other details
Temperature
48 degree celcius
Estimated runtime
4 hours/day
Cycle count
120
Voltage
67V
Discharge
220mA
Low battery alert
15%
Hardware Status
Good
0
10
20
30
40
50
60
70
80
90
100
45%
CPU Usage
45% out of 100%
0
10
20
30
40
50
60
70
80
90
100
18%
Free storage capacity
18.8% free
0
10
20
30
40
50
60
70
80
90
100
60%
Memory Usage
60% out of 100%
Other details
Device uptime
48 hours
Storage capacity
3GB free of 16GB
Usage Status
Optimal
0
10
20
30
40
50
60
70
80
90
100
98%
Successful transactions rate
98% out of 100%
0
10
20
30
40
50
60
70
80
90
100
2%
Failed transactions rate
2% out of 100%
Other details
Transactions count
50
Avg transaction time
5.2s
Peak period
10AM-12PM
Peak transaction
50
Active time today
6hours
Low battery alert
15%
Merchant (POS) Interface
Purpose
The Merchant POS Admin module provides centralized visibility and control over all deployed POS terminals within the agency banking network. It enables administrators to monitor device availability, performance, and operational status in real time, ensuring transaction reliability—especially in remote and rural locations.
Key Capabilities
- Cash withdrawals and deposits
- Funds transfers and bill payments
- Instant transaction confirmation
- Offline-tolerant, low-friction workflows
Core Functionalities
POS Terminal Management
- View a complete list of all registered POS terminals
- Identify each terminal by unique device identifiers
- Track terminal assignments to merchants and agents
- Activate, deactivate, or flag POS devices when necessary
Logout
Super Agent
Dashboard
My Account
Agent Management
Terminal Management
Services / Providers
Rental Services
Reporting
Requests
Settings
Commissions
Transaction Limit
Advanced Settlement
Notification Settings
Staffs
Disputes
Pages
/
Agent Management
Search anything...
Stanbic IBTC
Super Agent
Go back
Account name: Micheal Adeniyi
Account number: 0125622120
Airtime
Commissions earned
₦90,000.00
Active
Withdrawal
Commissions earned
₦23,780.00
Active
Deposit
Commissions earned
₦9,400.15
Active
Check balance
Commissions earned
₦11,440.80
Active
Internet
Commissions earned
₦3,456.90
Active
Betting
Commissions earned
₦56,900.32
Active
Education
Commissions earned
₦61,470.20
Active
Transfer
Commissions earned
₦102,350.40
Active
Electricity
Commissions earned
₦45,800.00
Active
Cable
Commissions earned
₦1,200.08
Active
Data
Commissions earned
₦33,710.40
Active
Collection
Commissions earned
₦89,990.80
Active
All Services
Manage all your services here
Add New Service
Edit commissions
Wallet Balance
₦540,000.00
5.8%
up from last week
Commissions
₦211,110.94
5.8%
down from last week
Total successful transactions
₦362,321.00
5.8%
up from last week
Total failed transactions
₦112,874.00
5.8%
up from last week
Total Number of Transactions
64
5.8%
up from last week
All transactions
All activities
Agent ID
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
Reference ID
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
Amount
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
Payment mode
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Payment type
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Description
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Provider’s name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Date/Time
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
Status
Success
Success
Failed
Success
Success
Success
Success
Success
Success
Success
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Last 7 days
Agent Manger Interface
Purpose
Agent Managers serve as the intermediate layer between the bank and agents, responsible for growing, supervising, and sustaining agent networks, especially in rural and underserved areas.
They are not just supervisors; they are active participants in the agency banking ecosystem with performance-based incentives.
Key Capabilities
- Agent Network Expansion Ability to onboard, manage, and grow a network of agents across assigned locations, with a focus on rural and underserved areas.
- Operational Oversight End-to-end visibility into agent activities, transaction volumes, and performance trends.
- Performance & Incentive Management Commission-based earnings tied to agent activity, encouraging active supervision and growth.
Core Functionalities
- Onboard, activate, and manage agents
- Monitor agent activity and transaction performance
- Track commissions earned from agent transactions
- Access agent-level transaction history and insights
- Identify inactive, underperforming, or high-risk agents
- Generate reports for oversight and decision-making
Agent
Bank Verification Number
3627***********
Verified
John Doe
johndoe@gmail.com
(234)
7067463738
Complete business registration
Get your business fully registered with all the required documents and approvals, making it legally recognized and ready to operate without hassles.
Back
Proof of ownership
RC Number
Enter RC number
Upload CAC document
Click to Upload
(Max. File size: 25MB)
RC Number & CAC Certificate Upload
State
Select state
Local government
Select local government
Shop Address
Enter shop address
Upload photo of shop address
Click to Upload
(Max. File size: 25MB)
Business Address
NIN
Enter NIN
Upload utility bill
Click to Upload
(Max. File size: 25MB) Not less than 3 months old
NIN & Utility bill
Declaration & Indemnity form
- Declaration form
- Indemnity form
Cancel
Submit
Agents
Purpose
Agents serve as the primary point of contact between banks and end users in rural and underserved communities. They operate POS devices to provide assisted banking services, enabling customers to perform financial transactions without visiting a bank branch or using digital banking apps.
Key Capabilities
- Assisted customer service for non-digital users
- Reliable transaction handling in low-connectivity environments
- High-volume transaction execution
- Clear financial visibility to build trust and accountability
- Income generation through commission-based incentives
Core Functionalities
- Perform customer transactions via POS devices
- Facilitate cash withdrawals, deposits, transfers, and bill payments
- View transaction history and daily activity
- Manage wallet balances and float
- Track commissions earned from transactions
Results
- Expanded banking access to rural and underserved communities without the need for physical branches
- Enabled scalable agent networks through clear role separation and incentive-driven structures
- Improved operational visibility and efficiency for banks across agents, POS terminals, and transactions
- Increased reliability and trust through real-time monitoring, transaction transparency, and POS health tracking
- Created income opportunities for agents and agent managers while supporting local economic activity
- Strengthened governance, compliance, and risk control across the agency banking ecosystem
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Dashbaord
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Today transactions
₦182,480
Count
32
vs yesterday
2.3%
This year transactions
₦98.2M
Count
2,893
12.2%
vs last year
This month transactions
₦8.8M
Count
212
11.9%
vs last month
This week transactions
₦234,760
Count
212
4.5%
vs last week
All time transactions
₦504.8M
Count
210K
Acquirers
20
Merchants
443
Terminals
397
Processors
2
Active
231
Inactive
198
Geolocation for all Terminals
Total no of terminals: 22
Top Payment Schemes
2345 3456 3322 3223
₦660,200
Susan Sheidu
08/21
6M
5M
4M
3M
2M
1M
500K
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
All Transactions
Current week
Previous week
Last 7 days
Filter
Traffic by Merchants
Last 7 days
Last 7 days
Linus
300,000
Mac
425,100
iOS
502,000
Windows
601,800
Android
650,400
Other
720,564
Traffic by Transaction Types
Last 7 days
Last 7 days
100%
Deposits
Withdrawals
Bill payments
Others
Transaction Across Schemes
Last 7 days
Last 7 days
Union pay
₦967,200.00
AMEX
₦330,440.00
AFRIGO
₦34,111.00
MASTERCARD
₦512,101.00
VISA
₦110,111.00
VERVE
₦92,111.00
All Schemes
₦168.4M
438,289
90%
Filter
2.5m
2m
1.5m
1m
500k
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
Transaction Type
Withdrawal
Deposit
Airtime
Electricity
Transaction ID
TMS3484939
TMS3484900
TMS3484939
TMS3484900
Scheme
Afrigo
Verve
Union pay
Visa
Processor ID
76748993
76748993
76748993
76748993
Terminal ID
26789127
26789127
26789127
26789127
Amount
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
Transaction Fee
₦52.82
₦52.82
₦52.82
₦52.82
Date of Transaction
23/06/25, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
Status
Success
Failed
Pending
Failed
Recent Transactions
See all
Merchant
OVERVIEW
Dashboard
MAIN
Acquirers
Acquiring Institute Bin
Merchants
Terminals
Terminal Configuration
HSM
report
Transactions
Configuration
Secondary Routing
COnfigure
Processor
Crypto Keys
Log
Error Logs
Activity Logs
Platform
Roles and Permissions
Notifications & Alerts
User Profile
Logout
Dashbaord
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Today transactions
₦182,480
Count
32
vs yesterday
2.3%
This year transactions
₦98.2M
Count
2,893
12.2%
vs last year
This month transactions
₦8.8M
Count
212
11.9%
vs last month
This week transactions
₦234,760
Count
212
4.5%
vs last week
All time transactions
₦504.8M
Count
210K
Acquirers
20
Merchants
443
Terminals
397
Processors
2
Active
231
Inactive
198
Geolocation for all Terminals
Total no of terminals: 22
Top Payment Schemes
2345 3456 3322 3223
₦660,200
Susan Sheidu
08/21
6M
5M
4M
3M
2M
1M
500K
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
All Transactions
Current week
Previous week
Last 7 days
Filter
Traffic by Merchants
Last 7 days
Last 7 days
Linus
300,000
Mac
425,100
iOS
502,000
Windows
601,800
Android
650,400
Other
720,564
Traffic by Transaction Types
Last 7 days
Last 7 days
100%
Deposits
Withdrawals
Bill payments
Others
Transaction Across Schemes
Last 7 days
Last 7 days
Union pay
₦967,200.00
AMEX
₦330,440.00
AFRIGO
₦34,111.00
MASTERCARD
₦512,101.00
VISA
₦110,111.00
VERVE
₦92,111.00
All Schemes
₦168.4M
438,289
90%
Filter
2.5m
2m
1.5m
1m
500k
0
Sun
Mon
Tue
Wed
Thur
Fri
Sat
Transaction Type
Withdrawal
Deposit
Airtime
Electricity
Transaction ID
TMS3484939
TMS3484900
TMS3484939
TMS3484900
Scheme
Afrigo
Verve
Union pay
Visa
Processor ID
76748993
76748993
76748993
76748993
Terminal ID
26789127
26789127
26789127
26789127
Amount
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
Transaction Fee
₦52.82
₦52.82
₦52.82
₦52.82
Date of Transaction
23/06/25, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
23/09/24, 09:11:04
Status
Success
Failed
Pending
Failed
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Admin Design
Agency banking
Agency banking is a financial service model where licensed financial institutions (primarily banks) appoint and manage approved third-party agents to deliver banking services to customers outside traditional bank branches.
Live web design
A significant portion of the population in rural and semi-urban areas lacks access to traditional banking due to distance from branches, limited infrastructure, and low digital adoption. This exclusion restricts participation in the formal financial system and slows local economic growth.
The agency banking platform was designed as a financial inclusion solution, enabling banks to reach underserved communities through trusted local merchants and agents equipped with POS devices. The solution has been deployed by financial institutions such as HOPE Bank, Swiftlink, and Stanbic IBTC to expand banking access without the cost of physical branches.
Project Background
Transactions
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Transactions
All your transactions overtime are shown here
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Transaction ID
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
TM2392BDI29929
Scheme
Afrigo
Verve
Union pay
Visa
Mastercard
Amex
Union pay
Visa
PAN Masked
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
**** **** **** 2718
RRN
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
A274938RY9929
Card Scheme
1933
1933
1933
1933
1933
1933
1933
1933
Amount
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
₦721,200.00
Transaction Type
Card-cash-withdrawal
Card-cash-withdrawal
Transfer
Card-cash-withdrawal
Transfer
Transfer
Card-cash-withdrawal
Card-cash-withdrawal
Date Created
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
12/09/2025, 08:11:12AM
Status
Success
Failed
Pending
Failed
Success
Failed
Success
Failed
Terminal ID
8948493
8948493
8948493
8948493
8948493
8948493
8948493
8948493
Action
View details
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Jan 6, 2023 – Jan 12, 2023
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The agency banking system was intentionally structured into two complementary layers to balance accessibility and control:
Merchant (POS) Layer – Designed for fast, assisted transactions in rural settings
Agent & Agent Manager Layer – Designed for oversight, accountability, and scale
About project
Timeline: 12 weeks
Year: 2025
Scope: MerchantAdmin Panel, Agent Manager Panel & Agent Panel
Tools used: Figma, Chat GPT, Notion
Problems
The Core Problems:
Lack of Banking Access in Rural Areas
- Long distances to the nearest bank branch
- High transportation costs and time loss for basic transactions
- Low trust or familiarity with digital banking apps
Infrastructure Constraints
- Poor internet connectivity
- Limited smartphone penetration
- Dependence on cash-based transactions
Operational Challenges for Banks
- High cost of building and maintaining rural branches
- Difficulty monitoring dispersed agents
- Increased fraud and compliance risk without proper oversight
Solutions
The solution aimed to:
- Bring essential banking services closer to rural communities
- Enable transactions through POS-based, assisted banking
- Support low-connectivity and low-literacy environments
- Give banks centralized visibility and control over rural agent networks
- Scale across regions without increasing operational overhead
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Agent Management
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Stanbic IBTC
Super Agent
Go back
Account name: Micheal Adeniyi
Account number: 0125622120
Airtime
Commissions earned
₦90,000.00
Active
Withdrawal
Commissions earned
₦23,780.00
Active
Deposit
Commissions earned
₦9,400.15
Active
Check balance
Commissions earned
₦11,440.80
Active
Internet
Commissions earned
₦3,456.90
Active
Betting
Commissions earned
₦56,900.32
Active
Education
Commissions earned
₦61,470.20
Active
Transfer
Commissions earned
₦102,350.40
Active
Electricity
Commissions earned
₦45,800.00
Active
Cable
Commissions earned
₦1,200.08
Active
Data
Commissions earned
₦33,710.40
Active
Collection
Commissions earned
₦89,990.80
Active
All Services
Manage all your services here
Add New Service
Edit commissions
Wallet Balance
₦540,000.00
5.8%
up from last week
Commissions
₦211,110.94
5.8%
down from last week
Total successful transactions
₦362,321.00
5.8%
up from last week
Total failed transactions
₦112,874.00
5.8%
up from last week
Total Number of Transactions
64
5.8%
up from last week
All transactions
All activities
Agent ID
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
234789AD
Reference ID
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
SR73892034584
Amount
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
₦9,400.15
Payment mode
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Payment type
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Card payment
Description
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Description show here
Provider’s name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Provider name
Date/Time
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
23/09/23, 09:11:04
Status
Success
Success
Failed
Success
Success
Success
Success
Success
Success
Success
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Last 7 days
Agent Manger Interface
Purpose
Agent Managers serve as the intermediate layer between the bank and agents, responsible for growing, supervising, and sustaining agent networks, especially in rural and underserved areas.
They are not just supervisors; they are active participants in the agency banking ecosystem with performance-based incentives.
Key Capabilities
- Agent Network Expansion Ability to onboard, manage, and grow a network of agents across assigned locations, with a focus on rural and underserved areas.
- Operational Oversight End-to-end visibility into agent activities, transaction volumes, and performance trends.
- Performance & Incentive Management Commission-based earnings tied to agent activity, encouraging active supervision and growth.
Core Functionalities
- Onboard, activate, and manage agents
- Monitor agent activity and transaction performance
- Track commissions earned from agent transactions
- Access agent-level transaction history and insights
- Identify inactive, underperforming, or high-risk agents
- Generate reports for oversight and decision-making
Agent
Bank Verification Number
3627***********
Verified
John Doe
johndoe@gmail.com
(234)
7067463738
Complete business registration
Get your business fully registered with all the required documents and approvals, making it legally recognized and ready to operate without hassles.
Back
Proof of ownership
RC Number
Enter RC number
Upload CAC document
Click to Upload
(Max. File size: 25MB)
RC Number & CAC Certificate Upload
State
Select state
Local government
Select local government
Shop Address
Enter shop address
Upload photo of shop address
Click to Upload
(Max. File size: 25MB)
Business Address
NIN
Enter NIN
Upload utility bill
Click to Upload
(Max. File size: 25MB) Not less than 3 months old
NIN & Utility bill
Declaration & Indemnity form
- Declaration form
- Indemnity form
Cancel
Submit
Agents
Purpose
Agents serve as the primary point of contact between banks and end users in rural and underserved communities. They operate POS devices to provide assisted banking services, enabling customers to perform financial transactions without visiting a bank branch or using digital banking apps.
Key Capabilities
- Assisted customer service for non-digital users
- Reliable transaction handling in low-connectivity environments
- High-volume transaction execution
- Clear financial visibility to build trust and accountability
- Income generation through commission-based incentives
Core Functionalities
- Perform customer transactions via POS devices
- Facilitate cash withdrawals, deposits, transfers, and bill payments
- View transaction history and daily activity
- Manage wallet balances and float
- Track commissions earned from transactions
Merchant
OVERVIEW
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Terminals
Search
Jan 6, 2023 – Jan 12, 2023
Last 7 days
Terminals
Unified Payments
ID: UPRSTTSY56
Serial number: 4432321
Terminal category: Retailer
Registered date: 12/09/2025 08:12:34PM
Registered date: 12/09/2025 08:12:34PM
Transactions breakdown
All transactions
₦660,450.00
Count
210K
Successful transactions
₦400,190.50
Count
120K
Failed transactions
₦159,230.50
Count
90K
Terminal transactions
Terminal health status
Terminal current location
High temperature error detected
Battery Health
Fair
0
10
20
30
40
50
60
70
80
90
100
45%
Charge level
45% out of 100%
0
10
20
30
40
50
60
70
80
90
100
70%
Capacity
3500 out of 5000mAh
Other details
Temperature
48 degree celcius
Estimated runtime
4 hours/day
Cycle count
120
Voltage
67V
Discharge
220mA
Low battery alert
15%
Hardware Status
Good
0
10
20
30
40
50
60
70
80
90
100
45%
CPU Usage
45% out of 100%
0
10
20
30
40
50
60
70
80
90
100
18%
Free storage capacity
18.8% free
0
10
20
30
40
50
60
70
80
90
100
60%
Memory Usage
60% out of 100%
Other details
Device uptime
48 hours
Storage capacity
3GB free of 16GB
Usage Status
Optimal
0
10
20
30
40
50
60
70
80
90
100
98%
Successful transactions rate
98% out of 100%
0
10
20
30
40
50
60
70
80
90
100
2%
Failed transactions rate
2% out of 100%
Other details
Transactions count
50
Avg transaction time
5.2s
Peak period
10AM-12PM
Peak transaction
50
Active time today
6hours
Low battery alert
15%
Merchant (POS) Interface
Purpose
The Merchant POS Admin module provides centralized visibility and control over all deployed POS terminals within the agency banking network. It enables administrators to monitor device availability, performance, and operational status in real time, ensuring transaction reliability—especially in remote and rural locations.
Key Capabilities
- Cash withdrawals and deposits
- Funds transfers and bill payments
- Instant transaction confirmation
- Offline-tolerant, low-friction workflows
Core Functionalities
POS Terminal Management
- View a complete list of all registered POS terminals
- Identify each terminal by unique device identifiers
- Track terminal assignments to merchants and agents
- Activate, deactivate, or flag POS devices when necessary
Results
- Expanded banking access to rural and underserved communities without the need for physical branches
- Enabled scalable agent networks through clear role separation and incentive-driven structures
- Improved operational visibility and efficiency for banks across agents, POS terminals, and transactions
- Increased reliability and trust through real-time monitoring, transaction transparency, and POS health tracking
- Created income opportunities for agents and agent managers while supporting local economic activity
- Strengthened governance, compliance, and risk control across the agency banking ecosystem
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