Case Study
Enabled secure contactless payments for a leading MENA Bank
Discover how we helped a leading MENA bank enable secure, scalable contactless payments within its mobile banking app—driving digital payment adoption, enhancing customer convenience, and strengthening transaction security in line with global standards.
Output Achieved
About the project
Our client, a leading retail bank operating across the Middle East and North Africa (MENA) region, initiated a strategic digital payments program to accelerate cashless adoption and enhance customer convenience.
With the growing demand for mobile payments and NFC-enabled POS infrastructure across the region, the bank aimed to extend its mobile banking app to support secure contactless payments—while maintaining the highest standards of security, scalability, and regulatory compliance.
The Challenge
To support its digital payments vision, the bank needed to overcome several key challenges:
Securely enabling NFC-based contactless payments via mobile devices
Protecting sensitive card data during payment transactions
Integrating with existing mobile banking, core banking, and POS ecosystems
Ensuring compliance with global payment security and data protection standards
Providing customers full control over card enrollment and deactivation
Scaling the solution to support increasing transaction volumes
The bank required a robust, enterprise-grade contactless payment solution that could be deployed seamlessly within its existing digital banking environment.
Our Approach
Digichorus implemented a secure, mobile-based contactless payment solution focused on tokenization, NFC technology, and seamless system integration.
Contactless Payment Enablement
The solution allows customers to securely enroll their debit or credit cards within the Android mobile banking application and perform tap-and-pay transactions at NFC-enabled POS terminals.
Sensitive card details are replaced with unique, network-approved tokens, ensuring that actual card information is never exposed during payment processing.
Key Functional Capabilities
Card Registration & Tokenization
Customers can securely enroll selected cards within the mobile banking app. Card details are tokenized using enterprise-grade security frameworks, enabling safe contactless usage without exposing sensitive information.
Contactless Payments
Once enrolled and activated, customers can perform fast, secure NFC-based tap-and-pay transactions at supported POS terminals using their mobile devices.
Card Un-registration & Control
Customers can de-register or deactivate tokenized cards at any time—enhancing security in scenarios such as device loss, replacement, or card changes.
Security and Compliance Reinforcement
The solution was designed to meet global payment security and data protection standards, with a strong focus on trust and compliance:
Card tokenization to eliminate exposure of sensitive card data
Secure API-based transaction processing
Compliance with global payment security frameworks
Strong customer controls for card activation and deactivation
Technology Stack
Mobile & UI: Temenos Visualizer (formerly Kony)
Integration Layer: Temenos Fabric
Mobile Platform: Android
Backend Services: Java, Spring Boot
Database: Oracle
Security & Tokenization: Thales
Solution
The implemented contactless payment platform delivers a secure, scalable, and user-friendly mobile payment experience with the following capabilities:
NFC-based mobile tap-and-pay transactions
Tokenized card storage and transaction processing
Seamless integration with core banking and POS networks
Customer-controlled card lifecycle management
High-volume transaction readiness
The Impact
The contactless payment implementation delivered measurable value across security, adoption, and customer experience:
Improved payment security through card tokenization
Higher adoption of mobile and digital payment channels
Reduced dependency on physical cards and cash transactions
Faster checkout experiences at NFC-enabled POS terminals
Positive customer feedback driven by ease of use and convenience
The bank reported increased usage of mobile payment features within weeks of launch, supporting its broader cashless and digital banking strategy.
Value for UAE, Middle East & India Banks
This contactless payment solution is highly relevant for banks across the UAE, Middle East, and India due to:
Rapid growth of NFC-enabled smartphones and POS infrastructure
Rising customer demand for secure, cashless payment options
Regulatory emphasis on payment security and data protection
Need for scalable, API-driven digital payment architectures
Result
This engagement demonstrates Digichorus’s expertise in delivering secure, scalable, and enterprise-grade contactless payment solutions for banks across the UAE, Middle East, and India.
By combining NFC technology, card tokenization, and robust backend integration, the solution enables financial institutions to accelerate digital payments adoption while maintaining the highest levels of trust, security, and compliance.
