BizSmart® Mobile, One-Stop Mobile Cash Management Solutions for the Sole-Proprietors Qorus-Infosys Finacle Banking Innovation Awards 2025

Alliance BizSmart® Mobile is Malaysia’s first mobile one-stop cash management solutions designed to allow the sole-proprietors to manage the signup & activation of online banking, daily operations, and ongoing banking supports all on one single mobile application anytime anywhere, without physically visiting any branches.

BizSmart® Mobile was first launched in 2020 with few basic functions as an alternative banking channel for businesses to perform basic banking needs, i.e. inquire account balance, submit and approve transactions. However, we were also aware that most sole-proprietors and small businesses are underserved or even neglected by most banks, resulting them either to use complicated and expensive cash management solutions, or compromise themselves to use consumer banking tools for their business.

As such, we continuously enhance BizSmart® Mobile to transform it into the single app for sole-proprietors and small businesses. Our customers are no longer overpaying for complicated banking tools with unnecessary features, while enjoying the frictionless banking experience with the best-in-class security measures.

Full suite of services available: • eKYC for business account opening verification • Straight-through signup and activation of BizSmart® Mobile from mobile app • Real-time account balance and transaction history • Single and bulk payments submission • Employee salary and statutory contribution registration • Schedule for payment reminder • Transaction approval • Trade transaction submission in MYR and foreign currency • Statement and transaction reports • Online fixed deposit placement and withdrawal • Instant self-help chatbot, BOB via WhatsApp messaging • Mobile notification on account activities for fraud prevention • Self-service security features, e.g. reset password, kill switch, block card • Enrolment for online training • Inquiry for foreign exchange rate