Explore the Fintech Platform

Flexible deployment and agile scaling without compromising operational security, resilience, or compliance

Start a conversation with us

Stability at scale. Agility by design.

The financial services landscape is shifting - faster payments, open ecosystems, tighter regulation, and new competitors entering from every direction. We built a platform that lets you move with it, not against it.

#EricssonFintechPlatform #DigitalWallets #CrossBorderPayments

Two people smiling and walking on a bridge.

Others see agility and stability as competing forces. We don’t.

Finance is evolving faster than traditional infrastructure was designed to handle. It is becoming more distributed, API-driven, regulated and interconnected. We built a platform that combines operational resilience with architectural agility, enabling you to launch speedily, scale securely, adapt continuously, and operate seamlessly across an increasingly interconnected financial landscape.

A platform where stability, agility, resilience, scalability and compliance evolve from technical qualities into business capabilities.

Scalability

Mission‑critical reliability at national and multi‑market scale. Cloud‑ready, API‑first architecture enabling fast integration and flexibility.

Security

Bank‑grade security for high‑volume, regulated environments. Multi-layer fraud protection, PCI-DSS and ISO 27001 aligned.

Integrity and privacy

Transparency, compliance, and responsible data handling by design.

Trust and reliability

A globally trusted and reliable partner for critical financial and telco infrastructure.

The Ericsson Fintech Platform is operating at high availability across 22 countries. It is a source of commercial confidence, creating opportunities for growth. Regardless of industry or segment, choosing a platform at this scale is a multi-stakeholder decision. From the board to compliance to engineering to product, each stakeholder needs commercial confidence.

Cloud ready, API first architecture enabling fast integration and flexibility
Architecture designed for high transaction volumes and peak demand scenarios
Modularized functionality allows independent deployment of use cases

Automated payments, settlements, and lifecycle management enhance efficiency
Shared services and pre integrated components lower integration and operating costs
Enables partners to improve margins while scaling volumes

Supports coexistence with existing IT stacks while avoiding core replacement
Continuous evolution without disruption facilitated by sandbox test environments that enable feature pilots

Established knowledge of compliance and regulatory requirements across markets
Established contact with local regulatory agencies and a history of providing trusted solutions
True deployment agnosticism across multiple cloud and on prem infrastructures

Powering everyday digital money for everyone

Ericsson’s Wallet platform is a secure, carrier-grade digital wallet solution that lets enterprises offer mobile money and digital financial services at scale.

Built on open, API-first technology, it combines telco-grade performance with bank-grade security so users can easily store, send, receive, and spend money from any device, while providers can rapidly launch new services like merchant payments, bill payments, savings, credit, and more across their markets.

Multi-channel, anytime, anywhere access

Reach every customer segment via USSD, apps, web, and agent channels so digital financial services are available even where traditional banking infrastructure is limited.

Telco scale with bank-grade security

Rely on a proven platform that serves hundreds of millions of wallets and processes billions of transactions monthly, with leading certifications and strong security controls that build consumer trust.

Open partner ecosystem for fast service innovation

Use open, published APIs to integrate third-party services, such as merchants, aggregators and banks, and quickly launch new use cases like airtime top-up, bill payments, micro-loans, and e-commerce payments.

Integration with telecom and banking/fintech interfaces

Enables wallet-to-airtime top-up and cross-domain loyalty uses cases.

AML/KYC and regulatory framework

Configurable, built-in compliance controls support expansion into new territories without the need for bespoke builds whilst facilitating compliance with local regulations.

How digital wallets generate returns

Transaction and service fee revenue – Earn recurring income from P2P transfers, merchant payments, bill pay, cash-in/cash-out, and value-added services like savings, loans, and insurance.

Higher customer engagement and retention – Make your wallet the daily financial hub, increasing usage, ARPU, and stickiness as users rely on it for everyday payments and digital commerce.

New ecosystem and partnership revenues – Monetize an open platform that onboards banks, merchants, fintechs, and marketplaces, sharing value on growing digital financial and e-commerce flows.

Faster, fairer cross-border payments made simple

Ericsson’s Cross-border Payment Hub (Remittance as a Service) enables regulated financial institutions, wallets, and payment providers to move money instantly and transparently across borders.

Built on tokenized deposits and a shared collateral model, it replaces slow, expensive correspondent chains with a single connection to a member-based network, so senders and beneficiaries enjoy fast, predictable, low-cost remittances while providers scale across multiple corridors with one integration.

Instant, low-cost cross-border transfers

Move money in near real time at significantly lower total cost than traditional correspondent banking, even across high-friction remittance corridors.

One integration, many corridors

Connect once to Ericsson’s remittance network to access multiple send and receive markets, avoiding new bespoke integrations for each corridor.

Tokenized collateral for safer settlement

Used tokenized deposits and a shared central collateral pool to reduce counterparty risk and ensure predictable value transfer between members.

Embedded compliance and FX orchestration

Let pay-in and pay-out members handle KYC, AML, sanctions screening, and FX pricing while the hub routes payments and updates collateral in the background.

Built for regulated institutions and digital wallets

Serve banks, Electronic Money Insitutions (EMIs), PSPs, CSPs and wallets with a permissioned, member-based network that plugs directly into local payment systems for pay-in and pay-out.

How remittances generate returns

Fee and spread revenue on every transfer – Earn recurring income from transaction fees and FX spreads on high-frequency remittance and P2P flows.

Higher digital wallet usage and customer stickiness – Capture more cross-border volume into your own wallet or banking app, increasing balances, activity, and lifetime value.

Scalable corridor expansion without heavy capex – Unlock new send/receive markets through the shared hub, growing revenue faster than underlying integration and liquidity costs.

Credit made seamless: launch smarter digital lending, faster

Ericsson’s Lending Platform enables financial providers to quickly design, launch, and manage a wide range of digital credit products – from advanced payday loans to buy now, pay later options.

Through a single, efficient interface, providers can automate risk checks, define pricing and eligibility, and publish updates in minutes, making trusted digital credit simple, instant, and accessible for customers whatever their needs may be.

Single interface for all lending products

Design, configure, and manage diverse loan offerings – from payday loans to BNPL – through one unified platform.

Automated credit and risk decisioning

Streamline risk checks and eligibility rules so approvals and updates happen in minutes, not weeks.

Dynamic pricing and eligibility rules

Easily define and adjust pricing, fees, and qualification criteria to respond quickly to changing market conditions.

Faster time-to-market for new credit offerings

Launch and iterate on lending products rapidly, moving from concept to live in a fraction of the traditional time.

Trusted digital credit, accessible to all

Deliver simple, instant, and reliable digital credit experiences that meet everyday needs and life’s bigger decisions.

How lending generates returns

Interest on loans and financing fees – Earn recurring revenue from interest charges and associated lending fees across a broader portfolio of products.

Increased customer usage and retention – Drive higher transaction volumes and deeper engagement as customers rely on your credit options for everyday and high-value purchases.

New product and partnership revenue streams – Unlock incremental income by introducing tailored lending propositions and co-branded offers with merchants and partners.

Keep payments moving when connectivity stops

Ericsson Resilient Payment Solutions enable digital payments to continue even when internet or mobile connectivity is unavailable.

By supporting secure, proximity-based payments between devices with pre-funded local balances, the solution ensures people can still buy food, travel, access essentials, or send money to friends during outages, while merchants keep selling and trust that transactions will automatically reconcile once connections are restored, all within a regulated, bank-integrated framework.

Guaranteed checkout continuity without connectivity

Let stores keep trading and customers keep paying when networks, processors or terminals are down, with payments that work reliably in low or no connectivity conditions.

Secure, proximity-based payments between devices

Enable immediate, in-person payments between customer devices and merchant PoS with strong customer authentication and cryptographic protection, even fully offline.

Same payment flow across online and offline states

Deliver a consistent checkout experience with clear Accepted or Declined outcomes, avoiding retries, ambiguous statuses, and manual work when connectivity degrades.

Merchant-controlled risk with pre-funded offline value

Use pre-authorised, bounded balances, configurable limits and layered controls so merchants and financial partners can quantify, cap and govern offline exposure at scale.

Designed to integrate with existing financial systems and PoS

Built to plug into today’s financial infrastructure and modern PoS or merchant apps via SDKs, Ericsson Resilient Payment solutions support regulatory compliance, reporting and reconciliation without requiring full stack replacement.

How resilient payment solutions generate returns

Protects revenue during outages – Prevents lost sales, abandoned purchases and queues when networks or providers fail, turning potential downtime into continued trading hours.

Reduces operational disruption and costs – Cuts manual overrides, “try again” loops and post-outage reconciliation effort with deterministic checkout outcomes and automated back-end reconciliation.

Unlocks new segments and resilience-driven deals – Enables merchants, transit operators and service providers in connectivity-challenged or highly digital markets to meet regulatory expectations on resilience and win business where payment continuity is a core requirement.