mFino is the world’s first mobile financial services platform that enables the delivery of full spectrum of financial services to meet the current and future needs of financial institutions, mobile operators, distributors and retailers. mFino is focused on serving the banked, unbanked as well as the under-banked and making it profitable for the service providers with the best of breed transaction engine. mFino M-Commerce Research Team has made deep investments in understanding the current bottlenecks, MFS adoption and usage curves. mFino MFS platform enables customers to make remittances, retail purchases, merchant payments, issue digital vouchers, branchless banking, agent banking, bill payments, airtime top-ups, send invoices, payroll management and much more. mFino MFS platform also provides subscribers the ability to access bank accounts, credit cards, stored value cards and pre-paid cards from a single location.