Success Stories

IME Pay Wallet

IMEPay is a digital payment service mobile application for easy payment solution; licensed by Nepal Rastra Bank (Central Bank).

With over 60% of the total population being unbanked, Micro finance effectively extended financial services to the poor and disadvantaged groups who were not reached by formal financial sectors. However, with time, the operation and overhead cost for Micro finance was proving to be a challenge.

Core Remittance System is the web based platform with two major sub-systems:

Nepal Rastra Bank (NRB) came out with a licensing policy for the Payment Service Providers (PSP) and Payment System Operators (PSO) to provide financial services by using internet, mobile device and or payment card services in 2016. The growth of Mobile Penetration in Nepal was 118%, the internet penetration of 54% and the literacy rate of 62% of adult population. Thus, led to the emergence of IME PAY (mobile money) in 2016.

Swift Technology played a huge part in developing the core platform based on international standard mobile money platform architecture, with basic mobile money features like customer enrollment, cash-in/cash-out, P2P, airtime top ups, recharge, merchant payment along with bank account linking.

Agent Network


1st Licensed Mobile Money Operator in Nepal