The HCash Agency Banking mobile application by Shabelle Bank is a comprehensive digital platform designed to offer an array of banking services conveniently and securely to its users. Here are some key features it might encompass:

Account Management: Agent can check float Balance Inquiry: Users can check their account balances in real-time at the agent as well

Transaction History: Access to detailed transaction records for better financial management.

Account Services: Ability to manage accounts, including fund transfers and bill payments.

Funds Transfer and Payments: Internal Transfers: Easily transfer funds between different accounts within the same bank.

External Transfers: Facilitate payments or money transfers to other banks or financial institutions.

Bill Payments: Conveniently pay utility bills, credit card bills, or other services directly through the app.

Agency Banking Facilities: Agent Points: Accessible at various designated agent points for easy and widespread availability and also onboarding users for other banks

Expanded Services: Extending agency banking services not only to existing bank customers but also to wallet holders, ensuring a broader reach for financial transactions.

Security Features:
Authentication Methods: Employing secure login methods, such as PIN codes, biometric authentication, or two-factor authentication.

Encryption: Ensuring all transactions and personal data are encrypted for heightened security.

Notifications and Alerts: Real-time Alerts: Providing users with instant alerts for transactions, account activities, or low balances.

Customer Support and Assistance: Support Services: Access to customer support, FAQs, or in-app chat support for assistance with any issues or queries.

Additional Services (Potential):

School fees payment

Loan repayment

Merchant payment