Kapao is the mobile banking application of the New concept Deposit Taking Microfinance Institution that offers users a quick and convinient way to manage their account, transact and earn points.

  1. Bills Payment: Phone payment, electricity payment, water payment and more in the future.

  2. Convenient online banking and points accumulation every time consumers transacts through the app.

  3. Accumulated points from using the app can then be exchange to rewards or as loan credits.