Auka is a software-as-a-service (SaaS) technology company who provide white-label mobile payment platform solutions to banks. Auka's platform enables retail banks to provide innovative products and services to consumers and businesses without the overhead from legacy IT. Our products are delivered white label and made available on a Software as a Service model. All products and services are realised through consumer and merchant interfaces, that are branded, owned and monetised by the banks. Our expertise allows banks to become masters of technology-driven innovation and digital user experiences. The Auka technology enables increased customer acquisition and revenue generation enabling banks to fight off competition in an increasingly competitive market. We also provide customised design, localisation services and technical integrations on-demand. Our consumer app supports any funding source (accounts, cards, prepaid, lines of credit) and covers virtually every payment scenario: 1. Person-to-person payments, allowing people to transact and engage with each other. 2. Person-to Merchant Payments, allowing people to pay at SME merchants, covering both remote and on-site payment scenarios, with advanced options catering to take away/delivery, ticketing, coupons and more. We also provide Integrated Merchant Payments, which enables mobile payments in external systems such as eCOM platforms, POS Systems, invoicing systems and 3rd party apps. All of these payment products are issued to consumers via our white label consumer app. With our Merchant Console, we also provide all the necessary tools for merchants to accept mobile payments including product management and marketing, order handling and sales and settlement reporting. Person-to-Person Payments (P2P) P2P enables the bank to offer real-time person-to-person payments funded by and settled to any funding source, including accounts, cards, prepaid and lines of credit. Transaction processing can be configured to cater to any local, regional or international constellation. Digital Cash Payments Digital Cash Payments is Auka´s turnkey mobile payments product for SMEs, enabling consumers to pay at SME merchants using their mobile phone, funded by any funding source including accounts, cards, prepaid and lines of credit.