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TAK Technology

Case study

Bill-payment integration for ethio telecom

Billers connected to mobile-money bill payment through BillPay, with confirmation and reconciliation handled automatically.

Finance
Sector
Finance
TAK role
Integration partner
Institution
ethio telecom
Location
Nationwide
Type
Systems integration
Status
Completed
Year
2024
Illustration of a phone confirming a payment between a bank, servers and a telecom tower

The challenge

Each biller needed its own integration to accept mobile-money payments, which slowed onboarding.

The approach

BillPay provides one biller interface and handles the connection, confirmation and reconciliation on the billers’ behalf.

Technology

BillPay biller APIs, payment confirmation callbacks, queue-based processing and reconciliation reports.

Implementation

Delivered in two phases: payment and confirmation first, automated reconciliation second.

Impact

integration instead of one per biller
1

Technologies

  • BillPay
  • Mobile money
  • Message queues
  • REST APIs

Projects

Illustration of a customer paying a merchant by phone in front of a bank
FinanceCompleted2025

BillPay merchant collections for ZemZem Bank

ZemZem Bank · Addis Ababa

Business customers collect through bank, wallet and card channels with one integration and one reconciliation file.

TAK role — Product owner and integration lead

BillPay · Core banking integration · REST APIs · Reconciliation

Finance
FinanceCompleted2023

Data centre build for a commercial bank

A commercial bank · Addis Ababa

Core banking runs on new primary and recovery sites, with failover tested before handover.

TAK role — Design, build and commissioning

Virtualisation · Replication · Network security

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