# Bankily

> Source: https://docs.barcoder.ai/docs/standards/bankily
> research date 2026-05-29 · extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Bankily — banque mauritanie](https://www.bankily.mr/en/)
- [BPM Bankily — Banque Populaire de Mauritanie](https://www.bpm.mr/fr/Bankily)

## Overview

**Bankily** is **Mauritania's leading mobile-banking service**, launched in **early 2020** by **Banque Populaire de Mauritanie (BPM)** in partnership with **Comviva** (industry-leading MFS technology platform) <sup>[1][1], [2][2], [Mauritania report](https://docs.barcoder.ai/docs/payments/MR)</sup>. Bankily is structurally **a state-of-the-art mobile-banking service combining QR-code payment + NFC contactless + Facebook-contacts integration + mobile-number-based transfer** — a comprehensive feature set unusual for Mauritania's emerging-market context. By 2023, Bankily had grown into **the leading mobile bank in Mauritania by users + transaction volume**, with **470+ points of sale forming the brand's distribution network throughout the country**.

The product's distinctive features include: **payments at merchants by scanning QR Code or entering merchant code**, **diverse money-transfer methods (mobile number, Facebook contacts, NFC contactless, QR Code)**. The **Facebook-contacts integration** is structurally noteworthy — most peer mobile-money platforms use only phone-number addressing; Bankily extends to Facebook social-graph as alternative recipient-identification. Mauritania's broader payment landscape includes **Mastercard + Visa international cards** (limited domestic acceptance), **Sedad** (Mauritanian wallet competitor), and various **bank-specific mobile apps**.

## History

**Background — Mauritanian banking + mobile context** <sup>[Mauritania report](https://docs.barcoder.ai/docs/payments/MR)</sup>:
- **Banque Centrale de Mauritanie (BCM)** — central bank.
- ~4.6M-population country with limited formal-banking penetration.
- **Banque Populaire de Mauritanie (BPM)** — major commercial bank.

**Early 2020 — Bankily launches** <sup>[1][1], [2][2]</sup>:
- BPM launches Bankily mobile-banking service.
- Built on **Comviva platform** (industry-leading MFS tech).
- Multi-channel: QR + NFC + mobile-number + Facebook contacts.

**Growth (2020-2023)** <sup>[Mauritania report](https://docs.barcoder.ai/docs/payments/MR)</sup>:
- Bankily becomes **leading mobile bank in Mauritania** by users and volume.
- 470+ points of sale.

## Technical specification

Bankily is **BPM's Comviva-powered mobile-banking service** <sup>[1][1], [2][2]</sup>:

| Layer | Description |
|---|---|
| **Operator** | **Banque Populaire de Mauritanie (BPM)** |
| **Technology partner** | **Comviva** (Tech Mahindra subsidiary, industry MFS platform) |
| **Regulator** | **Banque Centrale de Mauritanie (BCM)** |
| **Currency** | MRU (Mauritanian ouguiya) |
| **Launch** | Early 2020 |
| **Channels** | Mobile app (iOS + Android), 470+ points of sale |
| **Identifier options** | **Mobile number, Facebook contacts, NFC contactless, QR code, merchant code** |
| **QR support** | Scan QR or enter merchant code |
| **NFC contactless** | Yes |
| **Facebook integration** | Select recipient from Facebook contact list |

**Multi-modal addressing** <sup>[2][2]</sup>:
- Mobile number (typical mobile-money pattern).
- Facebook contacts (structurally distinctive).
- NFC contactless.
- QR code scanning.

**470+ points of sale** <sup>[Mauritania report](https://docs.barcoder.ai/docs/payments/MR)</sup>:
- Distribution network across Mauritania for cash-in/cash-out + merchant payments.

## Use cases

**P2P transfers** <sup>[2][2]</sup>: Multiple addressing options (mobile / Facebook / NFC / QR).

**Merchant QR payments** <sup>[2][2]</sup>: Scan merchant QR or enter merchant code.

**NFC contactless** <sup>[2][2]</sup>: Tap-to-pay at NFC-enabled merchants.

**Facebook-contact-based transfer** <sup>[2][2]</sup>: Send to friend selected from Facebook list — distinctive.

**Cash-in / cash-out at 470+ POS** <sup>[Mauritania report](https://docs.barcoder.ai/docs/payments/MR)</sup>: Physical distribution network.

**Bill payment** <sup>[1][1]</sup>: Standard mobile-banking features.

## Implementations & ecosystem

**Operator**: **Banque Populaire de Mauritanie (BPM)**.

**Technology platform**: **Comviva** (Tech Mahindra subsidiary).

**Regulator**: **Banque Centrale de Mauritanie (BCM)**.

**Major Mauritanian competitor**: **Sedad** (mobile wallet).

## Fun facts

- **Facebook-contact-based money transfer**: Structurally distinctive feature — leverages social-graph as addressing layer. Few peer mobile-money platforms have this.
- **Multi-modal addressing**: Mobile + Facebook + NFC + QR + merchant-code — comprehensive identifier coverage.
- **Comviva platform**: Same industry-leading MFS tech as [Afrimoney](https://docs.barcoder.ai/docs/standards/afrimoney) and many other African mobile-money products.
- **Leading mobile bank in Mauritania by 2023**: Significant achievement for a 3-year-old (at time of measurement) product.
- **470+ points of sale**: Substantial physical distribution for a 4.6M-population country.
- **"Bankily" in Arabic = "Like a Bank" / "My Bank"**: Cultural-noun branding similar to [Bankak QR](https://docs.barcoder.ai/docs/standards/bankak-qr) Sudan ("Your Bank") and [Mahfathati](https://docs.barcoder.ai/docs/standards/mahfathati) Algeria ("My Wallet").
- **Banque Populaire de Mauritanie's broader role**: BPM is one of Mauritania's largest commercial banks; Bankily is its flagship digital product.
- **Mauritania's Sahel context**: Mauritania spans Sahara/Sahel boundary; mobile banking serves both urban Nouakchott + rural pastoralist populations.

## Comparison

| Feature | Bankily (MR) | [D17 QR](https://docs.barcoder.ai/docs/standards/d17-qr) (TN) | [Bankak QR](https://docs.barcoder.ai/docs/standards/bankak-qr) (SD) | [Mahfathati](https://docs.barcoder.ai/docs/standards/mahfathati) (DZ) | [Afrimoney](https://docs.barcoder.ai/docs/standards/afrimoney) (multi-AF inc nearby) |
|---|---|---|---|---|---|
| Operator | BPM | La Poste Tunisienne | Bank of Khartoum | Algerian bank (TBD) | Africell Group |
| Launch | **Early 2020** | 2019 | 2014 | 2025 | 2020 (relaunch) |
| Technology platform | **Comviva** | Postal proprietary | Bank proprietary | DZMobPay | **Comviva** |
| Distinctive feature | **Facebook contacts + NFC + QR** | Masterpass QR | Bank-app QR | DZMobPay interop | Multi-country |
| Points of sale | 470+ | La Poste outlets | n/a | n/a | n/a |

## Status

**Active, Mauritania's leading mobile bank** <sup>[1][1], [2][2]</sup>:
- **BPM** operator since early 2020.
- **Comviva platform**.
- **470+ points of sale**.
- **Multi-modal addressing** (mobile, Facebook, NFC, QR).
- **Leading by users + volume**.

## Sources

[1]: https://www.bankily.mr/en/ "Bankily — banque mauritanie"
[2]: https://www.bpm.mr/fr/Bankily "BPM Bankily"
[3]: https://thefintechtimes.com/bringing-a-digital-banking-revolution-in-mauritania/ "Bankily digital-banking revolution — Fintech Times"
[4]: https://www.comviva.com/press-releases/bankily-brings-digital-banking-revolution-in-mauritania/ "Bankily × Comviva press release"

- [1] [Bankily — banque mauritanie][1]
- [2] [BPM Bankily][2]
- [3] [Bankily digital-banking revolution — Fintech Times][3]
- [4] [Bankily × Comviva][4]
- <sup>[Mauritania report](https://docs.barcoder.ai/docs/payments/MR)</sup> `reports/countries/MR-mauritania.md`

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **MR** — [MR-mauritania.md](https://docs.barcoder.ai/docs/payments/MR)