A New Way of Banking

Building a bank is no small task and we’ve done the work, built the tools and launched five digital banking propositions across three countries.

Launch the next-generation bank faster, affordably and with less risk.

We build banks from scratch in less time, with lower costs and thousands of customers acquired each day

We are experienced in building, designing and running digital banks from conception to scale

Our bank is a high-touch digital bank for the masses, not just a niche for the digitally-savvy customers

Our next-gen, cloud-native end-to-end technology stack provides structural cost advantage.

Significant investment and three years of development effort lies behind the Tyme tech stack. Built without legacy and deployable globally, it combines the best-of-breed solutions with proprietary integration. Our customer facing channels were purpose-built from scratch to ensure a compelling user experience that stands out from the competition. The modern data architecture provides a single view of customer to enable enhanced credit decisioning, customer campaigns, and real-time fraud prevention / AML.

Cloud-native tech stack built without legacy.

Tyme’s cloud-based digital banking stack and delivery model sits at the heart of our ultra low-cost base. Built without legacy with over three years invested in developing a modern and secure platform that can be deployed globally.

Combination of best-in-breed solutions

Tyme has developed a next-generation, cloud-based tech stack that is ultra-scalable through a combination of leading SaaS providers, proprietary third-party software and custom development leveraging open source.

Differentiated customer engagement

Tyme’s innovative customer-facing channels (TymeKiosk, Android app, Internet Banking) were purpose-built from scratch to ensure a compelling user experience that stands out from the competition.

Powerful data & analytics capabilities

Single view of customer and modern data architecture enables enhanced credit decisioning, customer campaigns, and real-time AML / fraud prevention.

We approach technology differently.

The choice of our technology focuses on adding efficiencies, reliability and flexibility in our hardware, software and processes.


We adopt a microservices approach to build a tech stack that brings together complex applications into one seamless efficient application that is secure and flexible, allowing rapid delivery of new products and solutions.


Light-speed deployment of microservices with containerization, enabling the frequency and immediacy that is demanded by digital transformations of today. Write-once, run anywhere; start-up and scale with ease.


Collaboration enabled for fast-moving situations, automating dependency tracking and delivering new releases on a rolling basis, so that our products and features on always on the cutting edge of what customers need.


Building greenfield banks is never easy. Our world-class engineers are well-equipped with the best-fit tools to build great technology, respond to rapidly-changing market conditions, and scale our banking business globally.

Digital Banking Re-imagined.

Our proposition and business model led to the world’s fastest growing greenfield digital bank. Tyme’s disruptive digital banking model, more than just a mobile app and a card, is designed for markets undergoing rapid transformation towards a digital world. We also design and manufacture our own hardware for deployment into retail environments.


Our proprietary TymeKiosk enables near-instant paperless on-boarding and personalized card issuance. We acquire more active customers at a faster pace and lower cost than pure online onboarding.


TymePay, our proprietary software enables ubiquitous, low-cost and real-time cash deposits & withdrawals with no bank employees handling cash, making us more relevant to markets which are still cash-heavy.


Our data-driven, real-time credit decisioning engine and risk-based pricing is market-leading, generating unique and differentiated insights using machine learning techniques and alternative micro-data.


We embed elements of gamification, nudging and data visualization into our financial wellness platform, TymeCoach, which guides customers towards better financial fitness through education and rewards.

TymeBank South Africa aquired over 3.5 million customers in 25 months.

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