Fintech Solutions

Unlock the Future of Finance. Right Now.

Imagine walking into a branchless bank. No lines. No paper. Just frictionless service from your phone to a kiosk, to a smart POS terminal. That’s not the future. That’s Harel Mallac Technologies, today.

With over 37 years of IT leadership across Africa and the Indian Ocean, we’ve helped banks, credit unions, retailers, and fintech disruptors unlock real transformation with powerful digital ecosystems that do more than process payments.

They protect. They scale. And they wow customers.

Because in a world that’s gone mobile, connected, and cash-lite…your financial and retail platforms shouldn’t feel like they were built in 1998.

What’s Holding Most Financial Institutions Back?

Let’s get real. The digital shift isn’t optional anymore. But here’s what’s really keeping banks and retailers stuck:

• Clunky legacy systems draining time, budget, and sanity

• Compliance rules that make innovation feel like a minefield

• Cyber threats evolving faster than your antivirus updates

• Disconnected touchpoints creating customer frustration

• Lack of analytics—you’re guessing instead of knowing

Sound familiar?

We’ve seen these challenges firsthand. And we’ve engineered tailored, scalable solutions that punch through these barriers like a jackhammer on autopilot.

Our Fintech Arsenal: From the Teller Line to the Tap of a Phone

We don’t sell gadgets. We deliver connected ecosystems that make every transaction smarter, every experience smoother, and every system more secure.

Smart Banking Solutions

• ATM Recyclers: Slash cash handling costs & boost uptime.

• Smart POS & Android Terminals: Secure, sleek, and friction-free.

• IntelliNAC: Scale transaction reliability & speed like never before.

• Payment Gateways & Software: Custom-built to streamline your digital onboarding, payments, and reporting.

Why let your ATMs sit idle or overload your branches when they can self-service like digital ninjas?

Future-Ready Retail Tech

• Integrated Payment Kiosks: Empower self-service, reduce lines.

• Retail POS & Shelf Tags: Real-time pricing, smarter inventory, happier customers.

• Fusion Fuel POS: Own your fuel station with precision and control.

• Digital Signature Pads (StepOver): Paperless, painless, and secure.

Retail is war. Arm yourself with tools that give customers the experience they didn’t know they wanted—fast, flawless, touchless.

Why HMT?

We’re not just a solutions provider.

We’re not just a solutions provider.

We’re your strategic fintech partner.

We’re your strategic fintech partner.

Real-Time Analytics that Actually Mean Something

You don’t need more data—you need insight. Our smart analytics platforms help you:

• Spot trends before they become problems

• Optimize staff, cash, and inventory flows

• Predict customer needs and behaviors

• Make decisions with precision, not assumptions

You’re sitting on a goldmine of data. Let’s turn it into decisions.

Our DNA: Tailored. Scalable. Sustainable.

We’re not just a vendor. We’re your strategic growth partner.

Whether you’re modernizing 10 branches or launching a next-gen digital wallet, our approach is hands-on, flexible, and aligned with your vision. And yes—we do it sustainably. That means greener tech, longer hardware life, and digital-first thinking that protects both margins and the planet.

Our Support Never Sleeps

Our relationship doesn’t end after installation. With 24/7 support, proactive maintenance, and ongoing optimization, we make sure your fintech or retail tech keeps humming at peak performance—day in, day out.If something breaks, we’re already on it. That’s the HMT difference.

Trusted by Global Tech Giants

We don’t go it alone. HMT partners with the best in the business to deliver battle-tested, future-proof systems.

When you choose HMT, you’re not just getting local expertise—you’re tapping into a global network of innovation.

What Could Your New Fintech Systems Look Like?

Just imagine:

• Customer wait times drop by 70% with self-service kiosks

• Branch cash management gets automated overnight

• Mobile-first banking that works even in low-bandwidth zones

• Paperless onboarding and compliance done in minutes, not hours

• Real-time dashboards that tell you where the money’s really going

Ready to Make the Switch?

Let’s stop managing yesterday’s systems and start building tomorrow’s growth.

Book a free, personalized consultation with our Fintech team.

Call us: +230 207 3300

Email: hmtinfo@harelmallac.com

If all this did was help you:

Cut queues in half,

Save 20% on your tech operations,

And finally deliver a digital experience your customers rave about…

Wouldn’t it be worth a 30-minute call?

Let’s make your fintech smarter, safer, and ready for what’s next.

HMT. The next technologies. Now.