DigiAsia Corp., Listed on NASDAQ (FAAS) and MOS Utility Limited, Listed on NSE (MOS) to Expand Strategic Partnership into AI-Powered Branchless Banking and Financial Inclusion Innovation
DigiAsia Corp. (NASDAQ: FAAS) and MOS Utility Limited (NSE: MOS) have announced an expanded strategic partnership focused on AI-powered branchless banking and financial inclusion across Indonesia and India. The collaboration targets a $30+ billion market opportunity.
The partnership includes three key initiatives: 1) Branchless banking expansion to onboard over one million merchants as financial service agents in Indonesia, 2) Development of AI-powered tools including agent performance scoring, cash management, and conversational assistants, and 3) Financial inclusion initiatives covering cash operations, consumer loans, and automated KYC.
The collaboration aims to enhance operational efficiency and expand financial services access in rural and semi-urban areas through AI-optimized agent networks.
DigiAsia Corp. (NASDAQ: FAAS) e MOS Utility Limited (NSE: MOS) hanno annunciato un ampliamento della loro partnership strategica incentrata su soluzioni di banking senza filiali alimentate dall'AI e sull'inclusione finanziaria in Indonesia e India. La collaborazione punta a un mercato superiore ai 30 miliardi di dollari.
La partnership prevede tre iniziative principali: 1) l'espansione del banking senza filiali per reclutare oltre un milione di commercianti come agenti di servizi finanziari in Indonesia; 2) lo sviluppo di strumenti basati su AI, tra cui valutazione delle performance degli agenti, gestione della liquidità e assistenti conversazionali; 3) iniziative per l'inclusione finanziaria che riguardano operazioni in contanti, prestiti al consumo e KYC automatizzato.
L'obiettivo è migliorare l'efficienza operativa ed estendere l'accesso ai servizi finanziari nelle aree rurali e semi-urbane attraverso reti di agenti ottimizzate dall'AI.
DigiAsia Corp. (NASDAQ: FAAS) y MOS Utility Limited (NSE: MOS) anunciaron una ampliación de su alianza estratégica centrada en la banca sin sucursales impulsada por IA y la inclusión financiera en Indonesia e India. La colaboración apunta a una oportunidad de mercado superior a $30.000 millones.
La asociación incluye tres iniciativas clave: 1) expansión de la banca sin sucursales para incorporar a más de un millón de comerciantes como agentes de servicios financieros en Indonesia; 2) desarrollo de herramientas basadas en IA, como puntuación de desempeño de agentes, gestión de efectivo y asistentes conversacionales; y 3) programas de inclusión financiera que abarcan operaciones en efectivo, préstamos al consumo y KYC automatizado.
La colaboración busca mejorar la eficiencia operativa y ampliar el acceso a servicios financieros en zonas rurales y semiurbanas mediante redes de agentes optimizadas por IA.
DigiAsia Corp. (NASDAQ: FAAS)와 MOS Utility Limited (NSE: MOS)는 인도네시아와 인도에서 AI 기반의 무지점(브랜치리스) 뱅킹 및 금융 포용 확대를 목표로 전략적 파트너십을 확장했다고 발표했습니다. 이 협력은 300억 달러 이상의 시장 기회를 겨냥합니다.
파트너십은 세 가지 핵심 과제를 포함합니다: 1) 인도네시아에서 금융 서비스 대리인으로 100만명 이상의 상인을 온보딩하는 무지점 뱅킹 확장, 2) 에이전트 성과 점수화, 현금관리, 대화형 보조 등 AI 기반 도구 개발, 3) 현금 운영, 개인 소비자 대출 및 자동화된 KYC를 포함한 금융 포용 이니셔티브.
이번 협력은 AI로 최적화된 에이전트 네트워크를 통해 운영 효율을 높이고 농촌 및 준도시 지역의 금융 서비스 접근성을 확대하는 것을 목표로 합니다.
DigiAsia Corp. (NASDAQ: FAAS) et MOS Utility Limited (NSE: MOS) ont annoncé l'élargissement de leur partenariat stratégique axé sur la banque sans agence propulsée par l'IA et l'inclusion financière en Indonésie et en Inde. La collaboration vise une opportunité de marché supérieure à 30 milliards de dollars.
Le partenariat comprend trois initiatives principales : 1) l'expansion de la banque sans agence pour intégrer plus d'un million de commerçants comme agents de services financiers en Indonésie ; 2) le développement d'outils IA, notamment le scoring de performance des agents, la gestion de trésorerie et des assistants conversationnels ; 3) des actions pour l'inclusion financière couvrant les opérations en espèces, les prêts à la consommation et la KYC automatisée.
La collaboration vise à améliorer l'efficacité opérationnelle et à étendre l'accès aux services financiers dans les zones rurales et semi-urbaines grâce à des réseaux d'agents optimisés par l'IA.
DigiAsia Corp. (NASDAQ: FAAS) und MOS Utility Limited (NSE: MOS) haben eine erweiterte strategische Partnerschaft angekündigt, die sich auf KI-gestützte filiallose Banklösungen und finanzielle Inklusion in Indonesien und Indien konzentriert. Die Zusammenarbeit zielt auf eine Marktchance von über 30 Milliarden US-Dollar ab.
Die Partnerschaft umfasst drei zentrale Initiativen: 1) Ausbau filialloser Bankdienste zur Einbindung von mehr als einer Million Händler als Finanzdienstleistungsagenten in Indonesien; 2) Entwicklung KI-basierter Werkzeuge wie Agentenleistungsbewertung, Cash-Management und konversationelle Assistenten; 3) Maßnahmen zur finanziellen Inklusion, die Bargeldtransaktionen, Verbraucherkredite und automatisiertes KYC abdecken.
Ziel der Zusammenarbeit ist es, die operative Effizienz zu steigern und den Zugang zu Finanzdienstleistungen in ländlichen und halb-städtischen Gebieten durch KI‑optimierte Agentennetzwerke zu erweitern.
- Partnership targets a substantial $30+ billion market opportunity
- Plans to onboard over 1 million merchants as financial service agents
- Implementation of advanced AI tools for operational optimization
- Expansion of financial services access to underserved markets
- None.
Insights
DigiAsia-MOS partnership expands into AI-powered branchless banking targeting a $30+ billion opportunity across Indonesia and India.
DigiAsia and MOS Utility are significantly expanding their strategic partnership beyond payments into AI-powered branchless banking, targeting a substantial
First, the branchless banking expansion will leverage MOS's technology to transform over one million Indonesian merchants into financial service agents, dramatically extending banking reach into underserved communities. This addresses a critical gap in Indonesia, where banking penetration remains low outside urban centers.
Second, the partnership introduces sophisticated AI tools that will revolutionize agent operations. The AI Agent Performance Scoring will identify high-potential agents, while Cash Management AI will optimize liquidity—a persistent challenge in cash-dependent economies. Most impressively, their AI Conversational Assistant will provide multilingual support for complex financial transactions, making financial services accessible to populations with varying literacy levels.
Third, their financial inclusion initiatives—including cash collection/disbursal, consumer loan origination, and automated KYC—create a comprehensive banking alternative in regions where traditional banking infrastructure is absent. This approach mirrors successful models in other emerging markets where agent networks have proven more cost-effective than traditional branch expansion.
The strategic rationale is compelling: DigiAsia gains enhanced technology capabilities while MOS expands its geographical footprint. By transforming micro-merchants into banking agents, they're creating a capital-light expansion model that could scale rapidly across two of Asia's largest markets. The emphasis on AI suggests potential operational efficiencies that could improve unit economics in typically low-margin financial inclusion businesses.
The AI components of this partnership represent a sophisticated approach to addressing fundamental challenges in branchless banking. The AI Agent Performance Scoring system will likely employ predictive analytics to identify which merchants have the highest probability of success as financial agents—a critical efficiency driver in agent network models where agent quality directly impacts customer adoption and transaction volumes.
The Cash Management AI addresses one of the most persistent operational challenges in agent banking: ensuring agents have sufficient liquidity. By forecasting cash needs at the individual agent level, this system could significantly reduce service disruptions that typically plague agent networks. Traditional agent networks often suffer from 20-30
Perhaps most innovative is the multilingual AI Conversational Assistant. In markets like Indonesia with hundreds of local languages and dialects, language barriers frequently impede financial service adoption. A well-implemented conversational AI could standardize service quality across diverse linguistic regions while reducing training requirements for agents.
This integration of multiple AI systems suggests DigiAsia and MOS are building a comprehensive technical infrastructure rather than merely deploying isolated AI features. The combined data from agent performance, cash management, and customer interactions will likely create network effects, with each AI system improving as the overall ecosystem scales. If executed effectively, this could create substantial technical barriers to competition while continuously improving operational efficiency—particularly important in the thin-margin business of serving underbanked populations.
Collaboration to accelerate financial inclusion across Indonesia and India via AI-optimized agent networks and financial inclusion.
Jakarta, Indonesia & Mumbai, India--(Newsfile Corp. - September 8, 2025) - DigiAsia Corp. (NASDAQ: FAAS) ("DigiAsia" or the "Company"), a leading Indonesian fintech platform, and MOS Utility Limited (NSE: MOS) ("MOS"), a fintech innovator in India, today announced an expanded strategic partnership that extends beyond payments into branchless banking, AI-driven infrastructure, and financial inclusion solutions targeting a US
Key Highlights
Branchless Banking Expansion: MOS's technology will be integrated to scale DigiAsia's branchless banking across Indonesia, onboarding over one million merchants as financial service agents and expanding access to underserved communities.
AI-Powered Tools: DigiAsia and MOS will co-develop advanced AI capabilities, including:
- AI Agent Performance Scoring - predictive models for identifying high-potential agents.
- Cash Management AI - liquidity forecasting to reduce cash shortages at the agent level.
- AI Conversational Assistant - multilingual voice and chat interface to support agents in guiding customers through payments, savings, and micro-loan applications.
Financial Inclusion Initiatives: Cash collection, Cash disbursal, Consumer loan origination, Automated KYC providing banking access to the underserved market Strategic Impact.
Inclusive Access: Expands financial services to rural and semi-urban Indonesia by enabling micro-merchants to serve as branchless banking agents.
Operational Efficiency: AI-based tools improve agent performance, reduce service disruptions, and enhance customer experience in Indonesia and India.
Executive Commentary
Prashant Gokarn, Co-CEO of DigiAsia Corp. (NASDAQ: FAAS), said:
"Our partnership with MOS is about more than payments—it is about building AI-powered branchless banking ecosystems that empower over a million Indonesian merchants and lay the foundation for digital trade and inclusive finance across Asia."
Mr. Chirag Shah, Chairman & Director of MOS Utility Limited (NSE: MOS), said:
"By combining MOS's modular fintech infrastructure with DigiAsia's distribution reach, we are creating a platform that will transform how financial services are delivered. From agent-network AI to cross-border to support financial inclusion in emerging markets."
About DigiAsia Corp.
DigiAsia Bios is a pioneer in Indonesia's embedded finance, providing innovative fintech solutions to support digital ecosystems. Its embedded wallet and services help partners across industries deliver secure and accessible financial experiences.
About MOS Utility Limited
MOS Utility Limited (NSE: MOS) is an Indian fintech innovator providing digital payments, utilities, and financial services through a modular technology platform. MOS enables last-mile connectivity across both urban and rural India, driving financial access and digital transformation.
Forward-Looking Statements:
This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995, including statements regarding partnerships and expansion. Actual results may differ materially due to market risks, regulatory changes, and other factors disclosed in the Company's filings with the SEC. The Company undertakes no obligation to update forward-looking statements except as required by law.
Contact: Prashant Gokarn, CEO, prashant.gokarn@DigiAsia.asia
To view the source version of this press release, please visit https://www.newsfilecorp.com/release/265499
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