Tyme

Tyme is a digital banking company focused on bridging the digital divide in emerging markets by integrating into physical retail ecosystems. Operating in regions such as Singapore, Ho Chi Minh City, and Johannesburg, Tyme specializes in building greenfield banks, having successfully launched five digital banking propositions across three countries, including TymeBank South Africa, the fastest-growing digital bank in the region. The company employs a microservices approach to create a secure and flexible tech stack, enabling rapid delivery of new products and solutions. Tyme's business model revolves around providing digital banking services that enhance financial inclusivity, as evidenced by its recent digital banking license approval from the Bangko Sentral ng Pilipinas, aimed at increasing financial access for Filipinos. The company generates revenue through its digital banking services, catering to clients in emerging markets who require efficient and secure banking solutions. Keywords: digital banking, microservices, financial inclusivity, emerging markets, TymeBank, greenfield banks, rapid deployment, secure tech stack, financial access, retail ecosystems.