Simpool Branchless
Deliver Financial Services Through Local Agents
Simpool Branchless lets your bank or your financial institution reach customers through trusted local agents — shops, kiosks, and community points — without building new branches. Enable deposits, withdrawals, payments, and PPOB services anywhere.
— WHAT IS IT
Agency financial that extends your reach without new branches
Simpool Branchless is a financial agency solution that enables banks and cooperatives to deliver banking and financial services through a network of registered local agents. Instead of requiring customers to visit a branch, services are brought directly to their community through trusted shops, kiosks, and local agents.
It supports mobile, tablet, and web access, and connects directly with payment gateways, PPOB services, and your core banking system via API — with real-time GL updates and reporting. Deployable on SaaS for fast go-live.
— Benefits for Banks
Grow your reach without growing your costs
Expand Financial Reach
Extend financial services to remote and underserved communities without building new branches.
Lower Operating Costs
Reduce operational costs by leveraging existing agent networks instead of staffed branch infrastructure.
Real-Time Visibility
Real-time transaction data and reporting across the entire agent network in one connected platform.
Faster Deployment
Faster deployment with SaaS model — go live quickly without heavy on-premise infrastructure investment.
Stronger Customer Loyalty
Increase customer loyalty by bringing services closer to where people live and work.
Secure & Compliant
Secure and compliant operations with role-based access controls and audit trails for every transaction.
— Key Capabilities
Everything your agency banking network needs
From agent management to real-time GL — all the features required for a secure and scalable branchless banking operation.
Agent Onboarding & Management
Register and manage agent profiles, credentials, and operational limits from a centralized dashboard.
Deposit & Withdrawal
Cash-in and cash-out transactions processed securely through agents with instant confirmation and GL posting.
QRIS Payments
Enable QR-based payments at agent points, supporting national QRIS standards for merchants and customers alike.
PPOB & Bill Payments
Pay electricity, water, phone top-up, BPJS, and other bills through 100+ connected PPOB biller partners.
Real-time GL & Reporting
All agent transactions post directly to the general ledger in real time, with instant reporting available to bank operations.
API Integration
Connects to your core banking system via secure API — keeping all agent transactions synchronized with the main banking platform.
— How Branchless Banking Works
Simple for agents. Seamless for customers.
A straightforward three-step flow that connects your financial institution with customers in any community.
1
Register Local Agents
Banks onboard trusted local businesses — shops, kiosks, and cooperative points — as registered agents through the Simpool platform.
2
Customer Requests Service
Customers visit a local agent to deposit, withdraw, pay bills, top-up, or perform PPOB transactions — no branch visit required.
3
Processed in Real Time
Every transaction is processed in real time, the general ledger is updated instantly, and both the bank and agent receive immediate confirmation.
Integration
Connected to payments, PPOB, and your core financial system
Simpool Branchless integrates with your existing core financial system and connects to payment gateways and PPOB networks — keeping everything synchronized in real time.
Payment gateway connections built in for fast and secure transaction processing.
Agents access the platform through mobile apps, tablets, or web browsers — whatever suits their setup.
Real-time synchronization between agent transactions, core banking, general ledger, and reporting systems.
Ready to tap into branchless banking?
See how Simpool Branchless can help your bank deliver financial services through a network of local agents — reaching more customers, at lower cost.
