What is Agency Banking?
Agency banking lets approved third parties offer banking services on behalf of the institution — opening accounts, accepting deposits, processing withdrawals and bill payments. It is a proven model for financial inclusion banking and emerging market growth.
Doocat's agent banking network infrastructure gives you centralised oversight, configurable approval workflows and real-time transaction monitoring — so you can scale safely.
Features for Agents
Tiered KYC at the agent point of contact with biometric capture.
Deposit, withdrawal and bill pay with full audit trails.
Supervisor sign-off, limits and float controls.
Real-time alerts on suspicious patterns and limits.
Commissions, volumes and compliance scores.
Lightweight Android app for low-end devices and intermittent connectivity.
Expanding Banking Access
Agents in villages and remote areas bring banking to customers without a nearby branch.
Agent-based transactions cost a fraction of branch-based equivalents.
Digital KYC and biometric verification replace physical forms.
Security & Oversight
Live dashboards tracking every agent transaction and float balance.
Granular permissions for agents, supervisors, branch managers and HQ.
Automated reports for regulators and internal audit teams.
Use Cases
Digital banks expanding into cash economies via trusted local agents.
Microfinance institutions reaching borrowers beyond their branch footprint.
New entrants using agency models to acquire customers cost-effectively.