Companies in the Mojaloop Service Provider Directory are available to help adopters use Mojaloop tools to build an inclusive, instant payment system (IIPS). They offer a variety of services, including implementation, maintenance, and modifications of the Mojaloop open source platform.  Some offer more broad payment system consultancies and products to augment the Mojaloop-based IIPS, such as scheme rules. For more information, click on the company’s tile. Mojaloop Foundation does not certify companies in this list.

Apply to be Listed
More on the Directory

INFITX Technologies Inc.

INFITX is a globally recognized software company that specializes in delivering equitable and inclusive financial services.

Location:

Geographical Focus: Global

Company Headquarters: 77 Sugar Creek Center Blvd., Suite 600, Sugar Land, TX, 77478-3688

Number of Employees: 10-50

Contact Name: Dr Warren Carew

E-mail: warren.carew@infitx.com

Phone: +44-776-222-1418

Business Description

INFITX is a globally recognized software company that specializes in delivering equitable and inclusive financial services. They played a key role in the development of Mojaloop, the world’s first open-source platform for interoperability in real-time payment networks. Today, INFITX is focused on placing its expertise at the disposal of local designers and builders of inclusive instant payment systems, helping them to get the systems they want in a way that can be sustainably supported going forward.
INFITX supports government, industry, and commercial organizations with scheme creation, hub business operations, and technical operations for Mojaloop-based solutions, whether self-hosted or cloud-based. Additionally, they provide financial institutions with training, integration services, and enterprise support licenses to ensure reliable service for implementations of Mojaloop solutions.
INFITX is committed to the Mojaloop Foundation’s mission of increasing financial inclusion by empowering organizations to create interoperable payment systems, enabling digital financial services for all. Their expertise covers various areas, including real-time payment network implementation, consulting, training, workshops, knowledge transfer, and support for open-source software components.

Services Provided

Mojaloop Implementation and Configuration
Mojaloop Maintenance and Upgrades
Adjacent Consulting Services (such as scheme rules, hub operations, hardware, security, etc)
Adjacent Products

Membership and/or leadership position in the Technical Governing Board, Design Authority or Community Council

Position Start Date End Date
Board of Directors January 1, 2020 December 31, 2022
Technical Governing Board January 1, 2020
Design Authority January 1, 2020
Community Council January 1, 2020
Change Control Board January 1, 2020
Special Interest Groups (SIGs) January 1, 2020

Workstreams

PI Workstream Name Description of work completed
PI- 23 – October 2023 Core and Releases

Manage core updates/releases for Mojaloop, ensuring system stability, robustness, and up-to-date features while addressing bug fixes.

PI – 24 – March 2024 PISP v2.0 – Third Party Payments

Designed the next version of the third party payment API and flow so that it aligns with emerging trends and market needs.

PI – 24 – March 2024 Currency Conversion

Enhanced Mojaloop to support native currency conversion, enabling real-time cross-currency transfers funded by foreign exchange providers.

PI – 24 – March 2024 Platform Quality and Security

Ongoing platform quality and security improvements for Mojaloop, ensuring compliance with industry standards and addressing emerging threats

PI- 23 – October 2023 MOSIP Integration

Integrated with MOSIP for digital identity support in payments, enabling seamless identity verification within the Mojaloop ecosystem.

PI- 23 – October 2023 Performance Characterization

Improved performance metrics and profiling of Mojaloop, focusing on detailed analysis and optimization of system performance.

PI-22 – June 2023 Cross-border Payments

Enhanced support for cross-border payment use cases, addressing the complexities and requirements of international transactions.

PI-21 – March 2023 Foreign Exchange Support

Developed multi-currency support, including PvP and API demos, to facilitate foreign exchange within the Mojaloop ecosystem.

PI-21 – March 2023 Support for On-Prem

Developed Infrastructure as Code (IaC) solutions for on-premises deployments, supporting non-cloud implementations of Mojaloop.

PI-21 – March 2023 Business Process Workstream

Enabled out-of-the-box Mojaloop use with improved UI/UX, prioritizing key business processes for better user interaction and clarity.

Significant Contribution Highlights

INFITX plays a substantial role in the Mojaloop project, contributing across various segments such as the Technical Governing Board (TGB), Design Authority (DA), Community Council and the broader community. Combining their expertise and resources, this collaboration has significantly propelled the development and implementation of Mojaloop.

Mojaloop Deployments

Orange:
Orange Group, a telecommunications operator, partnered with MTN Group to launch Mowali, a mobile money wallet for interoperable payments across Africa.

MTN:
MTN Group, a leading telecommunications company in Africa, partnered with Orange Group to launch Mowali, facilitating mobile money interoperability.

Mowali:
A joint venture between Orange and MTN to enable interoperable mobile money payments across Africa, connecting over 338 million accounts.
Bank of Tanzania:

Partnered with Mojaloop to implement financial inclusion and digital payment solutions.
Myanmar MFI (Thitsawork):
Involved in digitizing microfinance institutions in Myanmar, leveraging Mojaloop for financial services. Matured in phase 2 to become the WynePay Hub.

Partners:
Various partners, including BMGF, UNCDF, Visa, WOCCU, Access Health, GIZ, and COMESA DRPP.
RPA:
Implemented Mojaloop to improve payment processes and automation.

UNCDF:
Collaborates with Mojaloop for financial inclusion projects and digital financial services.

Visa:
Partners with Mojaloop for cross-border payment solutions and financial inclusion initiatives.

WOCCU:
Works with Mojaloop to enhance cooperative financial institutions and services.

Access Health:
Collaborates with Mojaloop to integrate health and financial services.

GIZ:
Partners with Mojaloop for development projects and financial inclusion.

Integration to OpenIMIS:
Mojaloop is integrated with OpenIMIS for health financing and insurance management.

COMESA DRPP:
Collaborates with Mojaloop for regional payment platforms and financial services in Eastern and Southern Africa.

Mojaloop Integrations

Myanmar – Aya Bank
https://github.com/pm4ml/ayapay-pm4ml-core-connector

USA – Abacus (Private)
Africa – BCX
https://github.com/pm4ml/bcx-pm4ml-core-connector

Myanmar – Citizens Pay
https://github.com/pm4ml/citizens-pm4ml-core-connector

ASIA – DGTO
https://github.com/pm4ml/dgto-pm4ml-core-connector

India – FinFlux
https://github.com/pm4ml/finflux-pm4ml-core-connector

E.Europe – Flexcube
https://github.com/pm4ml/flexcube-pm4ml-core-connector

USA – Huawei (Private)
Global – ISO20022
https://github.com/pm4ml/ISO20022-core-connector

https://github.com/mojaloop/ml-iso-hackathon
Global – Mambu Bank
https://github.com/pm4ml/mambu-pm4ml-core-connector

USA – MIFOS
https://github.com/mojaloop/mifos-core-connector
https://github.com/mojaloop/mifos-core-connector-docs
https://github.com/pm4ml/mifos-pm4ml-core-connector

Africa, SE Asia – Musoni
https://github.com/pm4ml/musoni-pm4ml-core-connector

SE Asia – OK Dollar
https://github.com/pm4ml/okdollar-pm4ml-core-connector

SE Asia – Ooredoo
https://github.com/pm4ml/ooredoo-pm4ml-core-connector

Africa – Umoja (Private)
USA, Mexico – Rafiki
https://github.com/mojaloop/sdk-core-connector-rafiki-api-svc

USA, Mexico – Open Payments API
https://github.com/mojaloop/sdk-core-connector-openpayments-api-svc

Mojaloop Products

Payment Manager for Mojaloop (PM4ML)
The Payment Manager(Payment Manager) is a key product developed to work with the Mojaloop platform. It is designed to simplify and streamline the process of integrating financial service providers (FSPs) into the Mojaloop ecosystem. PM addresses various challenges FSPs face, such as managing complex integrations and ensuring compliance with Mojaloop’s technical requirements. It offers an efficient and user-friendly interface that reduces the time and technical expertise required for FSPs to connect to Mojaloop, thereby enhancing their ability to offer inclusive financial services.
GitHub: https://github.com/pm4ml
Testing Toolkit for Mojaloop (TTK)
The Testing Toolkit (TTK) is an innovative product that works with the Mojaloop platform. It is a vital tool for ensuring seamless integration and functionality of Mojaloop implementations. The TTK is developed to assist with various testing scenarios, including simulation, validation, and performance testing of Mojaloop APIs. It provides a user-friendly interface for testing and validating Mojaloop implementations, thereby helping developers and implementers ensure their systems work correctly with Mojaloop. The TTK has been contributed back to the Mojaloop community.
Mojaloop Training Courses
The INFITX Team has played a pivotal role in developing and authoring the Mojaloop Training Program. This program encompasses diverse courses tailored to deepen the understanding and practical application of the Mojaloop platform. These courses cover various facets of Mojaloop, ranging from introductory material to more advanced topics focusing on technical and security aspects. Designed to be inclusive for all levels of learners, from beginners to those seeking detailed technical knowledge, the program ensures a comprehensive educational experience.
Introductory Courses
MOJA 101: Mojaloop Introduction
MOJA 102: Mojaloop API
MOJA 103: Mojaloop Technical Overview
MOJA 104: Mojaloop Security
SCHEME 101: Scheme Overview
DFSP Courses
DFSP 101: DFSP Overview
DFSP 209: DFSP Operations
HUB Courses
HUB 101: Hub Overview
HUB 209: Hub Operations
Testing Toolkit
TTK 101 – Testing Toolkit

Payment Technology Experience

The INFITX team has a long history in payment technologies, which can be traced back to 2005 when M-PESA was established. Since the beginning of Mojaloop community, we have been part of it and contributed in its design and development and supported many large scale implementations of Mojaloop such as Tanzania Instant Payment Services (TIPS), Mowali, WynePay among others. We are also deeply engaged with the Mojaloop Foundation, where we actively participate in governance & community activities. We have helped create services, training, and operational support for many Mojaloop systems that enable financial service providers (FSPs) to participate successfully in interoperable payment solutions.

References

Visa Accelerator Program
VISA
Nat Sheer
nscheer@visa.com
ModusBox Cross-border RTP Proof of Concept: Visa Accelerator Program (youtube.com)
Mojaloop Core Dev, API and Adoption
Bill and Melinda Gates Foundation
Miller Abel
Miller.Abel@gatesfoundation.org
Development and adoption of Mojaloop APIs. Proof of work provided at Mojaloop Convening.
Mowali
MTN
John Mark Ssebunya
JohnMark.Ssebunya@mtn.com
Pan-African mobile money interoperability to scale up mobile financial services across Africa.
Orange
Pierre Combelles
pierre.combelles@orange.com
BoT / RPA
RockPA
Sarah Aasbo
saasbo@rockpa.org
Collaboration details not specified.
Myanmar MFI Digitisation
UNCDF
Sajib Azad
sajib.azad@uncdf.org
Digitization of microfinance institutions (MFIs) in Myanmar.
Myanmar MFI Digitisation (Retired Contact)
UNCDF
Paul Luchtenburg
paul.luchtenburg@uncdf.org
Retired contact, previously involved in MFI digitization projects.
Tanzania SI Capacity Building for MFIs
UNCDF
Ivana Damjanov
ivana.damjanov@uncdf.org
Capacity building for MFIs in Tanzania.
Paul Damocha
ivana.damjanov@uncdf.org
Singapore – Philippines Cross-border Remittances
INFITX Technologies Inc
Ivana Damjanov
ivana.damjanov@uncdf.org
Experience in cross-border remittances between Singapore and the Philippines. Provided invoice copies, proof of payment, final report, and contact reference.

Mojaloop Training Courses

Course Number of employees who have completed the course
MOJA 101 10
MOJA 102 10
MOJA 103 10
MOJA 104 10
Scheme 101 10
DFSP 101 10
DFSP 209 10
HUB 101 10
HUB 209 10
TTK 101 10