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AYA Innovation Labs Digital Systems

Explore innovative digital financial systems and applications by AYA Bank designed for enhanced user experience.

About
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AYA Pay Wallet

Secure Money Transfers, Cash In/Cash Out Features, Bill Payments, QR-Based Transactions, Integration with AYA Bank Accounts and Cards, Value-Added Services, In-App Games and E-Commerce Marketplace, Loyalty Points System.

About

Buy Now
Pay Later

Buy Now Pay Later, BNPL in short is a service that allows AYA Pay users to purchase products they need in their daily lives in monthly installments. It is a service that is gaining a lot of interest among young people who do not want to carry a separate credit card, as it allows them to purchase digital products in monthly installments.

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Teller
App

AYA Pay wallet users can easily schedule appointments for deposit and withdrawal services with AYA Bank. Enjoy a hassle-free banking experience by choosing a time that works you.

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Merchant App

Payment Transaction Records, Request Payments, Refund Capability, Generate QR Codes, Scan Customer QR Codes, Transfer Funds, Real-Time Balance, Notifications.

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Partner App

Provides comprehensive tools to manage Direct Transaction Reports (DTRs), Direct Sales Executives (DSEs), Agents, and Merchant Networks ensuring smooth operations.

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POS App

Enhances the overall checkout experience at the cashier. It supports various payment methods, including credit and debit cards, as well as mobile payments. With this app, you can easily track sales and generate insightful to optimize your operations.

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Merchant Portal

Comprehensive hub for managing all aspects of AYA Pay merchant transactions. Track sales and payment transactions, oversee employee users, manage sub-merchants, and configure POS devices. Streamline operations and gain valuable insights to optimize your business performance with ease.

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Payment Gateway

Provide secure, seamless, and efficient payment integration for digital wallets and cards through a unified platform. Available payments are AYA Pay, KPay, Wave, uabpay, A+ Wallet, Citizen Pay, VISA, MASTERCARD, JCB, and MPU.

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AYA Agent Banking

Enhancing Banking Access in Rural Areas facilitating access for customers who are unable to reach traditional bank branches. Enables deposits, withdrawals and transfers financial services.

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MBX

AYA mBanking 3.0

Transforming Digital Banking Experience with Revamped User Experience, Improved Performance, Enhanced Security, and More Features.

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AYA iBanking

Internet Banking with AYA iBanking 3.0

Designed to provide a smooth user experience on both desktop and browser platforms, ensuring users can access their banking needs easily regardless of their device.

Features

Summary of
AYA Digital Offerings

Exploring the Innovative Financial Solutions Offered by AYA Bank

01

Diverserange of digital financial solutions

AYA Bank provides a veriety of digital financial services tailored to meet the needs of different customers, ensuring inclusivity in financial access.

02

Applications cater to individual consumers & businesses

The bank's digital offerings are designed for both personal and commercial users, enhancing user experience through dedicated applications that address specific financial requirements.

03

Focus on secure, efficient, and innovative services

AYA Bank prioritizes security in its digital solutions, employing cutting-edge technology to safeguard transactions while also ensuring efficiency and innovation in service delivery.

04

User-friendly interfaces

The applications are designed with user experience in mind, featuring intuitive interfaces that make navigation simple for users of all ages and tech-savviness.

05

Integration of advanced technology

​AYA Bank leverages advanced technologies such as AI and machine learning to enhance service personalization and decision-making processes.

06

Commitment to customer support

With a dedicated customer service team,
AYA Bank ensures that users receive timely assistance and guidance, enhancing customer satisfaction and loyalty.

CONTACT

Address: AYA InnoLab, River View Point Tower, Kanner Road, Yangon

You can also contact us by using this form:

© 2025 AYA Innovation Labs

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