Mobile industry is a highly dynamic, growing sector that financial institutions are engaging into. With a vast number of people owning a mobile for communication, financial institutions are now integrating their services right into the palm of their customers. Craft silicon is no exception.

TruCell, a mobile banking application, integrates easily to any core banking application to enable customers and bank users to access their financial services right in the palm of their hand.

Also known as ‘the Mobile Banker,’ TruCell is an application that runs on almost all java and internet enabled mobile phones. Some of the features fully depend on phone capabilities that have camera and Bluetooth. TruCell connects to core banking financial solutions using the Bankers Realm switch – BREFT.

  • System Settings Options
  • Transaction Processing
  • User Authentication using Bio metric or Pin
  • Receipt Printing
  • Loan Inquiry and Calculation
  • Account Opening
  • Loan Application
  • Balance Inquiry
  • Mini Statement
  • Funds Transfer
  • Mobile Airtime Purchase
  • Loan Payment
  • Loan Disbursement
  • Cash Deposit /Withdrawal
  • Cheque Deposit /Withdrawals
  • Remittances
  • Photograph /Signature
  • BIO Metrics
  • Utility Payments

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To Customers
  • 24-hr easy access to the account
  • Provides bank’s front office services at your fingertips, so there’s no need to queue at the bank branch
  • Online and real time update of the bank account status
  • Allows transfer of funds from one account to another and bill payments

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To Businesses
  • Provides better and anytime, anywhere access to the bank account and services
  • Reduces cost of customer service
  • Increases customer service base due to better services
  • Easy integration with other mobile payment services e.g. Mpesa

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  • 1A request is generated from the Mobile Phone, this could be any request e.g. Cash Withdrawal.
  • 2This Request generated above is sent to the Web Service via GPRS, The Web Service access the Client Server as shown above and passes this query to the Client Server.
  • 3The Client Server hold’s the Core Banking Database, the Server than queries the database and sends the request back to the phone.
  • Based on the details received the Phone will now decide whether to pass control to the printer e.g. to Authenticate a Customer Finger, or to Enroll a customer e.t.c.

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For User
  • System Settings
  • Loans Manager
  • Customer Registration
  • Transaction Processing
  • Loan Disbursement
  • Receipt Printing
For Customer
  • Loan Inquiry
  • Loan Application
  • Balance Inquiry
  • Funds Transfer
  • Accounts
Mobile Services
  • Deposit through MPESA or other
  • Withdrawal through MPESA or other
  • Transfer to Other Mobile

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Integrated Solutions
TruCell works by connecting to Bankers Realm® Switch for all authentications and transaction authorizations. The switch would reside at the institution on a public IP and listening to incoming connections from all TruCell and other applications. It would then process each of the requests as needed, either by posting transactions, authenticating users and devices or making inquiries on behalf of the applications that have connected to it.

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  • Opportunity International Bank, Malawi
  • Exim Bank, Tanzania
  • Exim Bank, Malawi
  • Credit Bank, Kenya
  • Citiserve, Ghana

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Other Alternate Channel Solutions

For more information on support of the BR Integrated Banking Product, write email to

Our mobile banking development and support team , are a team of highly qualified person equiped with mobile technology and have hands on experience on mobile software applications.

Read more on overall support process ;

Support Process


Equatorial Commercial Bank Limited (ECB) provides a comprehensive package of financial services and products

Download Case Study


Get more information on how the Mobile banking solution -Tru cell provides versatile features for both customer and the bank user.

BREFT Brochure
TruCell Brochure


We are glad you have taken time to review our products , please click on link below to give us your feedback on Trucell Product.

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Tru Cell the mobile banking has gained its popularity in Ghana with its first deployment in Ghana at EZI National Bank..
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