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Bankware Global
Banking Transformation
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Bankware Global

Financial software company founded in Seoul in 2010, listed on KOSDAQ (199480) in 2024, with regional entities in Singapore, Tokyo and Shanghai.

Offices
  • Korea
    Bankware Global Co., Ltd. (Headquarters)
    B-12F, 19 Seosomun-ro 11-gil, Jung-gu, Seoul 04517
    +82-2-501-6415
    contact@bankwareglobal.com
  • Japan
    Bankware Japan Co., Ltd.
    8F Room A, PMO EX Nihonbashi Kayabacho, 2-12-10 Nihonbashi Kayabacho, Chuo-ku, Tokyo
    +81-3-6231-0293
  • Singapore
    Bankware Asia Pte Ltd
    38 Beach Road #17-12, South Beach Tower, Singapore 189767
    +65 9898 0669
Banking Transformation
  • Core Modernization
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Privacy PolicyCopyright © Bankware Global. All Rights Reserved
  1. Product Offering
  2. /Business Domain Solutions
  3. /Payment
Business Domain Solutions

Bankware Digital Payments Solution

Build your payments ecosystem.

Customer and merchant apps are optional, and existing channels can be retained. Connections to banks, payment networks and service providers are tailored to the implementation.

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BX-Payment platform and connections
Wallets, payments, engagement and daily operations run on BX-Payment. Customer and merchant apps are optional, or existing channels can be retained. Bank, network and provider interfaces are defined for each market.
OverviewSituationsValueScopeDeliveryEvidenceContact
02 / WHEN TO CONSIDER

Is this where your business is?

01

Different wallet relationships

Individual, family and group wallets need different relationships and controls.

02

A growing payment network

More payment options bring more bank and partner connections to manage.

03

Customer service & engagement

Customers need simpler access to receipts and support, while teams need visibility into campaign participation and coupon redemption.

04

Connected daily operations

Transactions, reconciliation differences and business activity are hard to monitor together.

03 / VALUE

What the platform brings
to your business

01

Flexible wallets

Serve individuals, families and groups across supported currencies.

How it works +

Parent accounts can view child-account history and set controls; group wallets support administrator management and QR capabilities.

Individual, family and group wallets have distinct relationships and controls across supported currencies.
02

Connected payments

Bring banks, QR, bills and mobile top-up into one wallet experience.

How it works +

Manage transfer services, fees, FX rates and limits centrally. Network and partner connections are implemented for each market.

Connect bank transfers, QR payments, bill payments and mobile top-up through market-specific networks and partner interfaces.
03

Rewards in action

Bring points, coupons and referrals into the payment experience.

How it works +

Run points, coupons, cashback, referrals and surveys alongside payments, and track coupon activity by package.

Points, coupons and referrals can accompany payments; coupon activity can be tracked by package.
04

Operational clarity

Oversee transactions, reconciliation and business activity together.

How it works +

Bring account servicing, enquiries, reconciliation tools and dashboards into daily oversight. Supported limits, fees and reward rules are configurable.

Operations can review transactions, reconciliation differences and business activity with supporting tools and dashboards.
04 / SCOPE AND FUNCTIONS

From wallet accounts
to daily operations

Connect customer journeys with daily operations.

Wallet structures connect individual, parent–child and group wallets, with multi-currency support and limits and controls.
Swipe to explore the full diagram.

Customers

Hold wallets in supported currencies, link parent and child accounts, and use group wallets with an administrator and QR.

Parent accounts can view child-account history and set limits and transaction restrictions.

Operations

Maintain records, account status and service access.

Manage wallet balances and transaction records, with support for linked bank cards.

PROJECT SCOPE

Onboarding, KYC integrations, tiers and policies are set for your market. Additional sub-wallet APIs and group-wallet membership, funding and currency adaptations require project implementation.

A registered device connects through PIN or biometric authentication to wallet protection and approval controls.
Swipe to explore the full diagram.

Customers

Use supported PIN or biometric sign-in, verify new devices, manage registered devices and lock a wallet.

Operations

Set role and channel limits, block or unblock accounts and transactions, and approve sensitive changes.

PROJECT SCOPE

Authentication depends on channel and partner capabilities. External identity and risk services, partial-balance Money Lock and additional rules are project-specific.

Wallet payments connect with banks, QR and bills, and cash partners.
Swipe to explore the full diagram.

Customers

Fund or withdraw through connected banks and cash partners; transfer and receive money, exchange currencies, scan to pay, pay bills and top up mobile services.

Operations

Manage FX rates, fees and limits, enable services, and review transaction exceptions and pending items.

PROJECT SCOPE

Network participation, certification, interfaces, partner catalogues and clearing responsibilities are defined per project. Merchant onboarding and agent-counter workflows need their own scope.

Issue, claim and redeem rewards, with tracking of claims and redemptions.
Swipe to explore the full diagram.

Customers

Earn and review points, check in, invite friends, claim and redeem coupons, and join campaigns and surveys.

Operations

Manage tiered benefits and discount, points, coupon and cashback ledgers.

Issue coupons, track claims and redemptions, and manage promotions and surveys.

PROJECT SCOPE

Benefit funding, points liability, expiry and campaign rules are defined for your programme. Additional attribution integrations require project implementation.

Customers access history and receipts, statements and notices, and support requests.
Swipe to explore the full diagram.

Customers

Search transaction history, view receipts, email statements, manage notifications and contact support in the app.

Operations

Review customer and transaction records, send or schedule messages, issue statements and route requests to your support system.

PROJECT SCOPE

Messaging providers, support-system interfaces and localised content are integrated per project. Available self-service tasks depend on the delivered or retained channel.

Review transactions, reconcile settlement records and analyse business activity.
Swipe to explore the full diagram.

Operations

Review pending and unmatched transactions, reconcile partner records, process approved adjustments and manage settlement.

Dashboards show customer activity, transaction volumes and values, and merchant analysis.

PROJECT SCOPE

Settlement accounts, clearing cycles, files and exception ownership are defined per project. Automated or scheduled reconciliation, discrepancy reports, extra dashboards and report distribution require implementation.

See the full function list+

Accounts

Multi-currency wallets and currency conversion; parent–child links, history visibility, limits and restrictions; group-wallet creation, administrator, details, member viewing and QR. Additional sub-wallet APIs and group-wallet adaptations are project scope.

Authentication and protection

PIN and biometric methods, device registration and verification, session controls, wallet locking, account blocking and approval controls, within the agreed channel scope.

Payments

Quick Pay, in-app and web payments; merchant-presented and customer-presented QR; P2P, bills, mobile top-up, red packets, request money, favourites and recurring payments. One-off, intrabank automatic, cross-bank bulk and scheduled transfers; easy-send with 1/N splits, unclaimed handling and expiry.

Engagement

Event-based points, tiered benefits, discount, points, coupon and cashback ledgers, referrals, coupon distribution, promotional placements and surveys, with participation and coupon counts.

Service

Customer 360, account and transaction enquiries, receipts, statements, notifications, scheduled messages and support-system integration.

Operations

Fee, limit and FX rate maintenance; pending-item and float reports; partner reconciliation, approved debit and credit adjustments, settlement work and operational dashboards. Automation and additional reports follow the agreed project scope.

05 / FOUNDATION AND DELIVERY

Products, connections and delivery

Products behind the solution

BX-Payment Main product

Wallets, payments, engagement and daily operations

WalletsPaymentsEngagementOperations

Customer & merchant apps Optional

Choose optional apps or retain your existing channels. Agree channel modules and delivery scope for your project.

Agreed interfacesREST / JSON APIs

Message mappings and controls defined for your market

Connect the payments ecosystem

Banks & payment networks

Partner banks and local payment networks, with message mappings including ISO 20022 where required.

Service providers

KYC/AML, messaging and support services connected through agreed interfaces.

Existing channels & systems

Retain agreed channels and define data ownership, access, approval, audit and retention controls.

Deployment foundation
Public cloudorOn-premises

Availability, recovery and operating procedures agreed for your deployment.

Configure, connect and launch

  1. Step 1

    Define & configure

    Agree wallet and payment scope, channels and operating responsibilities. Configure supported settings.

  2. Step 2

    Connect & validate

    Implement bank, network and service interfaces. Validate message mappings and operational controls.

  3. Step 3

    Rehearse & launch

    Map accounts, balances and history. Rehearse, reconcile and agree cutover and operational handover.

Requirements beyond supported settings and extension points, including automation and reporting, are scoped as additional implementation.

06 / EVIDENCE

Trusty Pay, Myanmar

Trusty Pay

A wallet and payment Super App powered by BX-Payment

Myanmar · Cloud-based SaaS

JL Group’s Trusty Pay brings wallets, transfers, QR and bill payments, and agent banking together in a BX-Payment-powered Super App for customers and merchants.

Bankware has provided services to Trusty Pay since 2016. The solution is delivered as cloud-based SaaS in a private VPC on Alicloud.

The operator reports 500,000+ customers and an annual average of 12 million transactions. The previously reported merchant count is 8,000+ (June 2026). These figures describe service scale, not impact attributed to Bankware.

Explore Trusty Pay’s payment service
07 / Contact

Plan your wallet and payments scope.

Tell us who you serve, how money moves and which customer journeys matter. Bring your target networks, partner banks, existing channels and daily operating needs.

Together, we will define product coverage, optional app delivery, connections, migration and responsibilities.

Contact Sales