Trivnet's product offering is based on the TRIV Platform™ and the broad array of services it offers. The strength of the platform is in its ability to provide all mobile financial services (MFS) in a scalable manner, supporting multiple payment methods, multiple access methods and multiple networks. It allows telecom operators, financial institutions and service providers to address their most immediate revenue needs, while having the flexibility to add MFS as required. The architecture of the TRIV Platform™ is especially designed to meet the needs of global service providers, serving several independent yet interoperable networks who may share mobile ecosystem elements amongst them.

In order to address a fast growing market, the modular architecture built into the TRIV Platform™ enables the implementation of a wide variety of solutions, all running from the same platform, each addressing specific market needs. This flexibility opens up a wealth of opportunities for telecom operators, service providers, banks, merchant chains and their consumer communities.
 

The TRIV Platform™ supports multiple types of interactive transactions, across all networks and access methods, including: mobile payments, both domestic and international person-to-person (P2P) money transfer, person to business payments including bill payment, airtime distribution and other prepaid services, electronic top-up, micro-banking transactions including micro-financing and micro-saving and electronic and mobile commerce.

The TRIV Platform™, being a sophisticated transaction management platform, efficiently and securely enables controls and manages an assortment of payment and commerce-oriented transactions. This is performed in real-time and in large volumes over mobile networks, fixed networks and the Internet. It is also engineered to provide the type of reliability, robustness and security required to power a financial transaction management ecosystem.

The mobile user experience is the prime factor in creating “viral adaptation” of mobile money services. A good user experience will encourage trial and use. New recipients of transfers will be encouraged to use the service again when they see how easy it is to register.  The TRIV Platform ™ offers multiple methods to access services, each with its own intuitive and easy to use interface. The services and platform are accessible using: SMS, IVR, USSD or handset applications such as SIM tool kit or J2ME applications, WEB, WAP, ATM, POS and new innovative proximity-payment technologies such as NFC.

 

Once a solution is activated, the Triv Platform ™ allows end users to transfer funds, pay bills and buy goods and services using an intuitive user interface from a single mobile wallet application that is optimized for their handset.

In order to facilitate the growth of MFS, the Triv Platform ™ allows operators and service providers to create and manage end to end mobile distribution networks of agents and resellers, enabling the distribution of airtime, goods and services and cash-in/out. Viral person to person transfer, super distribution, agent commissioning and transaction tracking are all supported by a set of sophisticated, field-proven applications.  Airtime agents, using their mobile devices as points-of-sale, can top-up subscriber accounts in real time, without the need to purchase stock or distribute any physical cards. Each subscriber can also become an airtime sub-distributor. Cash-based pre-paid users can immediately top-up their prepaid mobile phone with any amount, regardless of their location, without the need to purchase scratch cards or deal with vouchers and pin codes. They can also easily and intuitively transfer any amount to their families, friends and employees.

At the heart of the international remittance service powered by Trivnet is a highly scalable hub technology, based on the TRIV Platform™, used by leading service providers and integrated to leading banks. The hub is built to serve global remittance providers, including the enablement of different independent mobile money ecosystems and the transfer of funds in between them.