Global Integrated FinTech Solutions

What Global Integrated FinTech Solutions does

Global Integrated FinTech Solutions (GIFTS), founded in 2015 and headquartered in Barbados with offices in New York, Trinidad and Tobago, and Guyana, provides modular cloud-hosted financial technology to under-served markets in the Caribbean, Latin America, and Africa. Its core platform spans core banking (front-, middle-, and back-office modules), anti-money laundering and counter-terrorism financing compliance (with the SAFE sanctions screening engine, KYC, transaction monitoring, and SWIFT message screening), cloud-based internet and corporate banking with white-label capabilities, and EMV-compliant card processing built on VeriFone POS hardware and routed via the FIS Global / NYCE network. A wholly-owned subsidiary, iPayAnywhere (iPay), extends the stack into consumer and merchant mobile payments, and an AI-driven fraud detection product called 'Fred' is layered into the AML suite. The company serves regional banks, commercial banks, government entities, and merchants/consumers in emerging markets, leveraging a partner-led go-to-market anchored by TelNet Nigeria in West Africa and supported by Caribbean Export Development Agency and Export Barbados/BIDC.

GIFTS generates revenue through a combination of subscription/recurring software licensing for core banking and AML modules and transaction-based fees on card processing and iPayAnywhere mobile payments. Pricing is quote-based with service-level-agreement transparency but no public rate cards, consistent with an enterprise B2B model targeting financial institutions and governments. Distribution is primarily channel-led — TelNet Nigeria is the flagship deployment vehicle for West Africa, with additional technology/integration partners (FIS Global, Quinte Financial, iFinancial, Sumeru ENTiger) and GTM partners (Caribbean Export, Export Barbados/BIDC) — supplemented by direct enterprise sales for Caribbean regional banks. Headcount is small (1–10) and the company is privately held with no disclosed institutional funding, implying an early-stage capital structure dependent on partnership economics and customer deployment milestones to scale.

Name

Global Integrated FinTech Solutions

Legal name

Global Integrated FinTech Solutions

Website

https://globalintegrated.net

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Global Integrated FinTech Solutions (GIFTS) is a Barbados-based fintech vendor offering modular core banking, AML compliance, card processing, and mobile payments (via subsidiary iPayAnywhere) to banks, governments, and merchants in the Caribbean, Africa, and Latin America.

Ownership category

akta.pro rank

Product category

Core Banking Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (52221)

akta.pro industry

PRIMARYFSAGAAAF

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P)

Financial & Insurance/Financial Technology (Fintech)/Digital Banking & Neobanking Platforms

SECONDARYFSAGALAB

Embedded Payments (Pay-ins, Pay-outs, Wallets)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAGABAK

Cross-Border FX, Multi-Currency & Treasury for Payments

Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

Keywords

• Core banking software
• Card processing services
• Anti-money laundering
• Mobile payment solutions
• Internet banking platforms

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Core Banking Software Licensing: Modular software licensing model where customers purchase core banking modules upfront and add more as business grows. Includes free regular updates and upgrades within cloud-hosted model.
2. Card Processing Services: Full spectrum card processing services including plastic production, fulfillment, transaction routing, authorizations, contact center servicing, and back-end fraud management. Revenue from transaction fees and processing charges.
3. AML/CTF Compliance Solutions: Anti-Money Laundering and Counter-Terrorism Financing software solutions with modules for screening, KYC, account monitoring, transaction tracking, message screening, and alert management.
4. iPayAnywhere Mobile Payments: Mobile payment solution enabling merchants and consumers to send/receive payments. Revenue model for mobile-based payment processing and transaction fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Global Integrated FinTech Solutions (GIFTS) provides a modular, cloud-based financial technology platform for banks and financial institutions, offering core banking software, anti-money laundering (AML) compliance, internet banking, and EMV-compliant card processing. The company also operates iPayAnywhere, a mobile payment solution enabling P2P transfers and merchant payments across the Caribbean, Latin America, and Africa. All offerings are unified by a central switch for interconnection and settlement, targeting under-served regions requiring modern payment and banking infrastructure.

Product overview

Global Integrated FinTech Solutions offers a modular, platform-plus-modules architecture centered on the GIFTS Core Banking Solution, supplemented by specialized add-on modules including Anti-Money Laundering, Internet Banking, and Card Processing. The portfolio is unified by a Central Switch that interconnects all product offerings, enabling settlements, EMV compliance, and backoffice support. The company also operates the iPay Anywhere mobile payment sub-brand for P2P and mobile commerce. An AI-powered fraud detection system called 'Fred' is integrated within the AML solution. All components are cloud-hosted and designed for under-served regions including the Caribbean, Latin America, and Africa.

Differentiator

Problem solved

Functional benefit

Brands

• iPayAnywhere: End-to-end mobile-based payment solution that services government, private sector, and consumers. Allows merchants and customers to make payments using mobile phones, laptops, or any other mobile device.
• SAFE (Screening and Filtering Engine)
• Fred

Products and services

• GIFTS Core Banking Solution A modular, cloud-hosted core banking platform running front, middle, and back office operations for banks, comprising integrated modules for contact management, limits, accounts, till system, savings and current accounts, payments and transfers, trade finance, treasury, fixed deposits, and standing orders. Designed for regional banks and financial institutions requiring configurable solutions that can be added as business grows.
• Anti-Money Laundering (AML) Solution A comprehensive AML/CTF compliance solution for banks and financial institutions, including the SAFE screening engine for sanctions list matching (OFAC, UN, EU, HMT, DFAT), KYC with customer data repository, account monitoring, transaction tracking via Virtual Tracking Accounts, message screening for SWIFT messages, and alert management. Designed to meet FATF 40 recommendations, the US Patriot Act, the EU Third Money Laundering Directive, and the UK Proceeds of Crime Act.
• Internet Banking A cloud-based online and corporate banking platform providing cash management, trade finance, payments, and corporate treasury features with multi-signature mandates and white-label capabilities. Works with legacy back-office systems and supports SWIFT connectivity for cross-border transfers. Designed for financial institutions offering 24/7 internet banking services.
• Card Processing A comprehensive card processing platform supporting credit, debit, and prepaid cards via VeriFone POS hardware, covering card production and fulfillment, EMV processing, transaction routing, authorization, clearing, settlement, mobility solutions for P2P transfers and mobile payments, and loyalty programs. PCI DSS compliant and EMV certified.
• iPayAnywhere An end-to-end mobile-based payment solution enabling merchants and consumers to send or receive payments via mobile phones, laptops, or other mobile devices. Provides P2P money transfers, POS payments, and M-payment services for government, private sector, and consumers across the Caribbean and Africa.

Quantifiable outcome

• Access to 200+ million potential customers through TelNet partnership
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered flagship, core and minor.

• TelNet Nigeria LtdflagshipStrategic or Co-development Partner · 1 July 2021Strategic partnership for electronic payment transformation in Africa. TelNet serves as deployment vehicle for GIFTS/iPay solutions in Nigeria, providing access to 200+ million people. Initial focus on AML solution due to growing e-commerce and fintech adoption. Plans to expand across West Africa including Sierra Leone and Uganda. TelNet brings 30+ years of ICT experience and clients including Nigerian government and major banks.
• FIS Global & NYCEcoreTechnology or IntegrationFidelity National Information Services provides payment processing, banking software, and outsourcing services. NYCE network connects ATMs of financial institutions in US and Canada. Provides access to 400,000+ POS locations, card acceptance at Walmart, Uber, Amazon, FOREX and local currency settlements. FIS has 52,000 employees globally.
• Quinte FinancialcoreTechnology or IntegrationGlobal services company offering business and knowledge processing services. Provides centralized switch & settlements, EMV compliance & implementation, fraud protection for major US banks, and 1,200 Six Sigma professionals. Six business lines: Risk & Fraud Management, Mortgage Solutions, Financial Processing, Technical Solutions, Knowledge Services, Interactive Entertainment.
• iFinancial (International Financial Systems)coreTechnology or IntegrationAuthor and supplier of integrated real-time software solutions to banks and financial institutions worldwide. A Dow Jones Partner providing end-to-end banking solutions and closed loop card solutions.
• Fernhill AssociatesminorImplementation/ SI/ Consulting PartnerAdvisory firm specializing in business operations, technology and cyber security. Provides fraud & forensics, cybersecurity resilience, and internal audits & GRC services.
• Caribbean Export Development AgencycoreGTM or Marketing PartnerRegional development agency facilitating Caribbean-Africa business connections. Hosted partnership signing ceremony with Export Barbados/BIDC and Barbados High Commission Ghana for TelNet-GIFTS partnership. Executive Director Deodat Maharaj emphasized translation of historical Caribbean-Africa connections into business opportunities.
• Export Barbados / Barbados Investment Development Corporation (BIDC)coreGTM or Marketing PartnerBarbados government trade and investment agency supporting international expansion of local tech companies. CEO Mark Hill stated the initiative took entrepreneurship in Barbados to a new level with tremendous marketing opportunities in West Africa. Collaborated with Caribbean Export on TelNet partnership.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Fiserv: Major US-based fintech providing account processing, card services, and payments infrastructure to banks and merchants. Overlaps with GIFTS's card processing and core banking capabilities across multiple product lines.
• Jack Henry & Associates: US provider of core banking, card processing, and digital banking solutions to community and regional banks. Comparable in targeting regional/community banks with modular core banking and card processing, though primarily US-focused.
• FIS Global (Fidelity National Information Services): Global financial technology incumbent providing core banking, card processing, and payments infrastructure. Already a technology partner to GIFTS via NYCE; competes with GIFTS in card processing, settlement, and banking software at much larger scale.

Regional players

• Network International: Middle East and Africa-focused payments processor offering card processing, merchant acquiring, and managed services. Comparable in targeting under-banked MEA markets with end-to-end payment infrastructure.
• Interswitch: Nigeria-headquartered African digital payments and commerce company. Directly comparable as both operate in Nigerian payments via the TelNet partnership channel; Interswitch is far larger and offers competing card processing and payment infrastructure across Africa.

Emerging players

• Mambu: Berlin-based cloud-native core banking platform serving neobanks and digital banks globally. Comparable modular SaaS core banking approach and similar focus on under-served and emerging markets; competes for the same digital transformation RFPs.
• nCino: Cloud banking platform serving financial institutions with core banking, digital onboarding, and AML/KYC capabilities. Direct overlap with GIFTS's cloud-based core banking and compliance suite for community and regional banks.
• Backbase: Provider of digital banking and onboarding platforms for banks, with comparable internet banking and digital channels offering. Targets similar mid-market and regional bank segment for digital transformation.
• Flutterwave: Well-funded African payments technology company enabling cross-border and domestic payments for businesses and banks. Competes with GIFTS's iPayAnywhere and card processing capabilities across Nigeria and other African markets.

Direct peers

• Temenos: Switzerland-based provider of modular core banking software to banks globally. Directly comparable to GIFTS's core banking offering and similar modular, bank-segment focus; Temenos is significantly larger and serves tier-1 banks worldwide.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Global Integrated FinTech Solutions