The problem

What this solves

Most institutions are told their digital channels have to come from whoever supplied their core banking system — so modernising the side the customer sees means replacing the system of record first. ADNexus breaks that dependency. It is one digital banking layer with three front doors, web, app and USSD, sitting on a documented integration layer that talks to ADBanking Quantum or to a third-party core. An institution can put banking in its members' hands without touching its ledger.

The platforms

Three front doors, one banking layer

Web, app and USSD run off the same customer record, the same limits and the same ledger. A member can start on one and finish on another.

online.yourinstitution.com

Hover or tap a marker to see what each part of the app does.

Internet Banking

A secure web portal for individual and corporate account holders.

Real-time balances, full transaction history and downloadable statements.
Transfers between own accounts, to third parties and to other institutions.
Bulk payroll and supplier payment files for corporate customers.
Role-based access with maker-checker approval on company accounts.
Standing orders, scheduled transfers and loan repayment from the browser.

Hover or tap a marker to see what each part of the app does.

Mobile Banking

Native iOS and Android apps for everyday banking.

Balances, mini statements and full history on demand.
Transfers between accounts and to and from mobile money wallets.
Loan application, tracking and repayment without a branch visit.
Biometric or PIN login, with the app bound to the customer's device.
Push alerts on every posting and automatic instalment reminders.

Hover or tap a marker to see what each part of the app does.

USSD Application

Full self-service banking on any handset, with no data connection.

Runs on the simplest feature phone. No smartphone, no app, no internet.
Menus in the languages your members actually speak.
Balance enquiry, transfers, airtime purchase and loan repayment.
PIN-secured sessions carrying the same limits as the app and the web.
Posts to the same ledger as every other channel, so nothing needs reconciling.

Integration

Plugs into the core you already run

ADNexus is not tied to one core banking system. The integration layer exposes accounts, balances, transactions and customers through a single documented contract, and an adapter maps that onto whatever sits behind it.

Your customers

Internet Banking
Mobile Banking
USSD Application

Digital layer

ADNexus

One integration, three channels

Your core banking system

ADBanking QuantumNative integration. Nothing to build.
Any third-party coreConnected through AD Connect's documented APIs.

No core replacement
The ledger stays exactly where it is. Only the layer your customers touch changes.
One documented interface
Accounts, balances, transactions and customers behind one contract, whatever the core.
Credentials per channel
Web, app and USSD authenticate separately, so one can be suspended without the others.
Built for real connectivity
Designed for intermittent links and low-bandwidth handsets, not fibre-connected head offices.

Capabilities

What you get

Core-agnostic by design

One documented integration layer connects ADNexus to ADBanking Quantum or to the core you already run.

One customer identity

A member enrols once and is the same customer on web, app and USSD, with one set of limits and one audit trail.

Real-time posting

Every transaction is authorised and posted against the core as it happens, not swept up in an overnight batch.

Layered security

Two-factor authentication, device binding, PIN-secured USSD sessions and transaction limits set per channel.

Your brand, not ours

Colours, logo, menu wording and the languages offered are configured per institution.

One admin console

Enrolment, limits, channel usage and failed-transaction investigation for all three platforms in one place.

Works with

Related products

Channels & Access

ADRemote

Agency banking that reaches past the branch network.

Channels & Access

AD Push & Pull

Mobile money and national payments, in and out of the account, instantly.

Core Systems

ADBanking Quantum

The core banking system African microfinance runs on.

See ADNexus running against your own data

Book a demo

ADNexus

What this solves