
KnowByLity Financial Services
Global Financial Services Simplified
Meet KnowBylity
The evolution of the payments industry continues to be driven by changes in technology and customer behavior. We work with clients to help them keep pace and capture the opportunities inherent in this shifting landscape. Our network of more than 40 partners across the globe serve banks, credit card companies, transaction processors, software development firms, payments cooperatives, technology firms, prepaid card issuers, fulfillment houses, program managers and non-banks on issues ranging from overall payments strategy, Global prepaid card issuing, prepaid white labels, Fintech Software, implications to retail payments services, cash management, and payments technology.
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KnowByLity (KBL) brings a breadth of expertise to our work with clients, starting at the top with integrated cross-institution payments strategy and developing responses to the rapidly changing payments landscape. On the corporate payments side, our work covers small-business payments services, prepaid card issuing platforms, prepaid white label programs, corporate cash management, and interbank payments services; in retail, we support clients on issues with credit and debit cards, ATMs, retail demand-deposit-accounts, and mobile payments.
Holistic Solutions
Flexibility & Adaptability
We leverage our industry knowledge and experience to help our clients achieve their strategic goals from problem discovery through project delivery. Whether its just another set of hands for a quick update or a full-scale program, we’ve got you covered.
Experience
Differentiated Performance
As a firm, we invest in the power of knowledge. We research, study, and analyze the global drivers of the consumer products and life sciences industries. This focus on knowledge combined with the diversity and sought-after skills of our consultants defines who we are as a professional services firm.
Inclusion
Finacial & Social Inclusion
KnowByLity is committed to ensuring our firm is rich in diverse skills, competencies, strengths, personalities, and culture as well as fostering an inclusive environment that embraces and leverages these unique contributions of our stewards to further our purpose.
Ground Up Fintech Development & White Label Services
Established Fintech companies and startups work with us to transform the industry, blending financial and technical expertise. The world of finance is in a state of rapid and fundamental change. Fintechs are no longer just creating interesting ideas, but now offer core financial services at the heart of financial systems around the world, alongside traditional banks. Fintech is transforming the world of finance, from retail banking to merchant services, to insurance.
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The rapid growth of financial technology has increased the playing field of possibilities, inspiring collaboration across the financial services ecosystem. Whether you are a fintech looking to gain visibility; a financial institution looking to become more customer-centric or transform its infrastructure; or an investor looking to find the next influential startup, our fintech software solutions can help you make an informed decision and jump-start your growth.
Blockchain Mobile Wallet Development
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Custom Programs Available
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UnionPay, MasterCard, & Visa Available
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Fully responsive (Mobile, Tablet) and optimized look-alike application on mobile
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API integration into Paxful, CainBase, CoinGate, ForEx, and others
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Credit card payment gateway (Stripe & PayPal)
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Customizable Revenue plans
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Advanced Admin panel
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Google Analytics setup
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Multi-languages – 20
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KYC & AML and digital identity management
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Compliant building blocks for required SST functionality
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SEC/FINRA registered
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Distributed Ledgers
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Smart Contracts
Compliance & Administration
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Localized AML and KYC specialist
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Prepaid Card Issuance Fraud management
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Facial Recognition deployment into all apps
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Real-time background checks in 142 countries
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Fraud Risk strategy
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Detect and reduce fraud
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In-depth fraud support
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Keep below scheme thresholds and keep optimal sales results
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Payment guarantee
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Develop an optimized balance between financial risk and sales within the solution
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Shift chargeback liability / shift your risk
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Chargeback management; we help you to get out of chargeback problems.
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Reducing chargebacks and increase sales.

Charter Bank Setup & Consulting
Prepaid Card Issuing
Software & Management
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Complete mobile and desktop solutions available
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Complete customer experience platforms available
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Platforms are all PCI Compliant in EEA & USA
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BIN Sponsorship
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Sponsor Bank Relationship
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Processor Integration
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85 Global Currencies supported
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Gift Card, Debit Card, Payroll Card, Neo-bank Solution, Transit Card, HSA Programs, and many more
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AML & PCI Compliance
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Visa, Mastercard, and Union Pay Vendors available
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Cross-border Solutions
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Call center integration
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Program Management services



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St. Lucia & Puerto Rico Charters Available
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Apply for a Permit to Organize
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Class A and Class B licenses
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Charter business plans
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Notarized declarations
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Due Diligence regarding all officers, directors, shareholders, and key person
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References from other financial institutions
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Charter compliance and AML
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Detailed Capital Computation Worksheets
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Create, implement and test core banking system
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Negotiate a correspondent account and apply for your Fedwire account
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Prepare your compliance manuals and training materials
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Website and marketing collateral
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Final audit for Permit to Operate
ABOUT KNOWBYLITY
"Global Presence, Local Expertise"
It’s not always easy to keep pace with the continuing shifts in customer behaviors, tech trends, and compliance requirements that define the commercial and consumer payments industries. But with the right partner, it can be.
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We bring a breadth of expertise to our work with clients, starting at the top with integrated cross-institution payments strategy and developing responses to the rapidly changing payments landscape. On the corporate payments side, our work covers small-business payments services, prepaid card issuing platforms, prepaid white label programs, corporate cash management, and interbank payments services; in retail, we support clients on issues with credit and debit cards, ATMs, retail demand-deposit-accounts, and mobile payments.
Our work on prepaid card solutions, processing, outsourcing, and infrastructure management covers card issuing, processing, acquiring, electronic funds transfer/automated clearing house processing, ATM driving and switching, and item processing. Leveraging our cross-functional global knowledge and local market expertise in tech, financial services, cyber-security, and regulatory requirements, we deliver a monetary platform and unified commerce solutions that work in today’s global economy.
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Global Financial Inclusion Is Our Number One Priority.
The global market for prepaid cards is projected to reach US$3.1 trillion by 2022, with the growing financial needs of unbanked and under-banked customers and growth fueled by innovations in card features, online transactions, and the need to go cashless across the globe.
KnowByLity Financial Services has partners and solutions in 47 countries that are ready to go to work for you and your firm!
GET IN TOUCH

1-844-925-5389