01
Payment aggregation
Papi
A single entry point to accept mobile money and card payments, with an integration designed for merchants and platforms.
Fintech · Financial digitalisation · Africa
Digital infrastructure that brings financial services closer.
From Madagascar, Ibonia builds and operates payment, messaging and agency banking platforms. We also help banks and microfinance institutions evolve their systems and operations.
Our role
Empowering lives through digitalisation.
Our direction is simple: help organisations harness digital technology to become more efficient, extend their reach and make essential services more accessible.
We do more than deliver technology. We ground it in the operational, regulatory and human realities of the institutions that use it.
Three flagship platforms
One ambition, three entry points.
Each solution addresses a specific need. Together, they provide the foundations for a more seamless and accessible financial ecosystem.
02
Messaging aggregation
Mapi
A multi-operator platform to broadcast messages, notify customers and integrate SMS delivery into business applications.
03
Financial network extension
Agency Banking
A platform that helps banks and MFIs bring services closer to people, expand their coverage and control the cost of their distribution network.
Banks & microfinance institutions
From core banking to the last mile.
Ibonia supports financial institutions on digitalisation projects related to their core banking systems and operations. Our knowledge of financial services complements our software engineering capabilities.
Discuss a projectCBS integration
Connect core systems to channels, partners and new digital services.
Business digitalisation
Turn operating processes into simpler, traceable and more efficient journeys.
Channels & platforms
Build web, mobile, API and agent-network services around real-world usage.
Operational reliability
Build secure, observable systems capable of supporting critical services.
How we build
Product, business and technology move together.
Understand before designing
We start from operations, constraints and users to frame the right problem.
Integrate without disruption
We evolve existing systems pragmatically, respecting the systems and responsibilities already in place.
Operate for the long term
Running our own platforms holds us to the same standards of continuity, security and continuous improvement as our clients.
Ibonia
An African fintech born from software engineering.
Ibonia is a Malagasy technology company. Our experience building systems for banks and microfinance institutions gradually gave rise to our own fintech platforms.
This dual heritage — product builder and institutional partner — shapes how we work: an ambitious vision, practical execution and technology designed for African realities.
Designed in Madagascar. Built for Africa. Open to the world.
Build what comes next
Transforming a financial institution?
Let’s discuss your integration, business digitalisation or agent-network deployment challenges.
Write to IboniaAntananarivo · Madagascar