Finbank Kumuhana

It is the system that allows banks to use existing infrastructure to expand their banking services such as retail outlets(Super-agents and agent’s outlets) and act on behalf of formal banks and financial institutions.


A company appointed by Finbank to identify the sub-agents that will operate under this heading, provide and manage their liquidity and provide them with training. The Super-Agent and the Sub-Agent may agree to a division by commission.


The agent is an entity that has an agreement with Finbank through the Super-Agent to provide banking and related services on behalf of the Bank under the mobile banking agency model under agent banking guidelines.


The merchant is commercial entity such as bars, restaurants, hostels, petrol stations, shops, etc. with bill payments procedures. Merchants receive customer’s bill payments through their pesaflash account with an instantly confirmation sms. For each payment merchants do receive a commission.