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TAK Technology

Case study

BillPay merchant collections for ZemZem Bank

BillPay connected to the bank’s core systems so its business customers can collect payments through one integration.

Finance
Sector
Finance
TAK role
Product owner and integration lead
Institution
ZemZem Bank
Location
Addis Ababa
Type
Product deployment
Status
Completed
Year
2025
Illustration of a customer paying a merchant by phone in front of a bank

The challenge

The bank’s business customers each integrated payment channels separately, and reconciled each one by hand.

The approach

We integrated BillPay with the bank’s core banking system, onboarded pilot merchants and agreed settlement and reconciliation rules with the bank’s operations team.

Technology

BillPay payment APIs, core banking integration, automated settlement reports and a merchant dashboard.

Implementation

A pilot with a small group of merchants, followed by general availability after security testing.

Impact

from contract to first live merchant
6 weeks
payment channels on one integration
3

Technologies

  • BillPay
  • Core banking integration
  • REST APIs
  • Reconciliation

Projects

Illustration of a phone confirming a payment between a bank, servers and a telecom tower
FinanceCompleted2024

Bill-payment integration for ethio telecom

ethio telecom · Nationwide

Billers receive confirmed payments and a daily reconciliation without building their own integration.

TAK role — Integration partner

BillPay · Mobile money · Message queues · REST APIs

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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