Financial Technology Solutions
We provide omnichannel payments, embedded finance APIs, and AI-driven fraud prevention. We use tokenization, and our solutions comply with PCI DSS and AML standards.
Modern Financial Technology Solutions for PNG
We design and deliver secure, scalable, and innovative FinTech platforms that empower governments, banks, SMEs, and communities in Papua New Guinea. From digital payments to embedded finance, our solutions follow global best practices while being tailored to local realities — ensuring inclusion, transparency, and growth.
What You Get
- Omnichannel Payments: Integrated payment acceptance through BSP Pay, Visa, Mastercard, EFTPOS, Mobile Money, and USSD.
- Digital Wallets: Secure, mobile-first wallets for consumers and businesses with real-time transaction history.
- Embedded Finance: Integrate banking and financial services directly into your ERP, MIS, or e-commerce platforms.
- AI-Driven Insights: Fraud detection, risk scoring, and intelligent analytics for better financial decision-making.
- Government FinTech: E-receipting, digital taxation, subsidy tracking, and IFMS integrations for accountability.
- Regulatory Compliance: PCI DSS, AML/CFT, KYC, and data protection standards built into every solution.
Omnichannel Payment Solutions
- Unified payment gateway: Accept BSP Pay, Visa, Mastercard, and EFTPOS in one platform.
- Alternative channels: USSD and SMS payments for communities without smartphones.
- Recurring payments: Subscriptions, school fees, and loan repayments.
- Global standards: PCI DSS compliance, 3D Secure 2.0, and tokenization.
- Realtime receipts: E-receipts delivered via SMS and email instantly.
Digital Wallets & E-Money
- Mobile-first wallets: Store value, send/receive money, and pay for services.
- Merchant services: QR code payments and settlement dashboards for businesses.
- Financial inclusion: Designed for PNG SMEs, farmers, and unbanked communities.
- Top-ups & withdrawals: Linked to local banks and agents for cash-in/cash-out services.
- Security: Biometric login, PIN-based access, and fraud monitoring.
Embedded Finance for Enterprises
- API-first design: Plug-and-play financial services into ERPs, e-commerce, and MIS systems.
- Loan & credit scoring: Automated credit assessments using AI and transaction history.
- Payroll integration: Seamless salary disbursement with employee wallets.
- Insurance & microfinance: Embedded micro-loans and insurance products.
- Seamless UX: Financial flows integrated within existing user journeys.
Government FinTech Solutions
- E-Receipting: Centralized digital receipting for all government revenue streams.
- Digital taxation: Integrated tax payment portals with IFMS back-end sync.
- Subsidy & welfare management: Track and disburse funds with transparency.
- Dispute resolution: Built-in workflows for refunds and appeals.
- Reporting & audit: Secure audit trails and real-time dashboards for oversight.
AI & Data-Driven Insights
- Fraud detection: Machine learning models detect suspicious activity in real time.
- Risk scoring: AI-driven customer scoring for loans and credit decisions.
- Predictive analytics: Revenue forecasting and customer behavior insights.
- Business intelligence: Dashboards powered by Superset, Power BI, or Tableau.
- Data privacy: Masking, tokenization, and compliance with data protection laws.
Security & Regulatory Compliance
- PCI DSS compliance: Adherence to global payment security standards.
- AML/CFT & KYC: Integration of customer identity verification and fraud checks.
- Encryption: TLS 1.3, AES-256 encryption for data at rest and in transit.
- Access controls: Role-based permissions with multifactor authentication.
- Auditability: Immutable logs for financial transactions.
Transform Your Financial Services With Cloudcode
From e-wallets to omnichannel payment gateways, Cloudcode delivers the secure, innovative FinTech platforms that power the next generation of financial services in Papua New Guinea.