CASE STUDY

SERVICES IMPLEMENTED

• Payments & Payouts Orchestration – Cross-border payment management with automatic currency conversion.

• Hosted Checkout – Customized and secure payment experience for passengers.

• Core Banking and Digital Wallets – Digital accounts and fund management for drivers.

• Compliance & Fraud Prevention – Automated KYC/KYB and real-time anti-fraud system.

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‍CONTEXT AND CHALLENGE

Mobility platforms operating in multiple countries face a complex set of financial challenges. They must offer a frictionless payment experience for both passengers and drivers, while ensuring operational efficiency and regulatory compliance in each market. The integration of local payment methods—such as cards, digital wallets, and cash—is fundamental for adoption, but also represents a technical and scalability challenge.

Additionally, guaranteeing real-time fund settlement to drivers is key to their retention. This must be achieved without increasing transaction costs, as maintaining competitive fares is essential for the sustainability of the model. In this environment, trust and security are determining factors: preventing fraud and offering operational transparency becomes indispensable for the platform's reputation and growth.

OUR SOLUTIONS

Inswitch provided a modular financial infrastructure that comprehensively addressed these challenges. Thanks to an API-first architecture, the platform was quickly integrated into the client's operational flows, enabling cross-border payment processing, automatic currency conversion, and instant fund disbursement to drivers. A customized hosted checkout was also enabled, adapted to the payment preferences and regulations of each country, offering a smooth and reliable experience for passengers.

On the other hand, Inswitch's core banking solution enabled digital accounts for drivers, facilitating access to immediate payments, balance inquiries, and a simplified banking experience directly from the mobility app. All these functionalities operate within a secure and compliant environment, with anti-fraud monitoring and automatic KYC/KYB validations to meet local regulatory standards.

RESULTS AND BENEFITS

• Significant reduction in operational costs through automation and real-time settlements.

• Increased driver satisfaction and retention thanks to immediate access to their earnings.

• Increase in passenger conversion by offering local, flexible, and secure payment methods.

• Smooth expansion into new markets with a single technical integration and operational contract.

• Strengthening of the ecosystem's reputation and security through advanced compliance tools.

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CONCLUSION AND FUTURE

Inswitch's technology allows mobility platforms to scale their operations quickly and securely, offering tailored financial services in each market where they operate. Its modular and customizable approach makes Inswitch an ideal partner for companies looking to grow in complex regulatory environments, optimize costs, and provide exceptional payment experiences for both drivers and users.

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