News!: Opus Technologies Launches FinGeniusAI Solutions – An Open Innovation Platform for Building Future-Ready Solutions.. Know More
News!: Opus Technologies Launches FinGeniusAI Solutions – An Open Innovation Platform for Building Future-Ready Solutions.. Know More

Revenue Drivers - B2B, B2C, G2C, C2B, P2P

Reimaging Payments as Key Revenue Drivers for Global FinTech

Payments are one of the key revenue drivers. Literally.  It is time FinTech providers, banks, and credit unions start looking at the value payments deliver for revenue growth. With years of deep experience in the new-age money movement domain, Opus helps businesses improve revenues by streamlining end-to-end customer journeys. Our tailored solutions for differentiated use cases provide simplified digital transaction facilities eliminating intermediaries such as bank websites or third-party billers. This reduces both settlement time and costs. We facilitate the adoption of new business models and collaboration among FinTechs for B2B, B2C, G2C, and P2P payments.

A man referring bills to do transaction

Use Case 1: B2B Bill Payments

As the world shrinks to a global village, businesses have to make large payments across borders in multiple currencies. Multi-currency digital wallets enable cross-border B2B payments bypassing the tedious international bank transfer process. Opus helps FinTechs add value by facilitating simplified payments while maintaining transparency in costs and settlement times.

Problem Statement

Make payments to suppliers of products and services from across the world in their local currencies


  • Excessive hidden costs of international transfers affecting profit margins
  • Delays and lack of transparency in settlement times
  • Low volume of transfers makes using cumbersome traditional ways overwhelming and inefficient


  • Multi-currency wallet to add funds in a single currency and make payments in multiple global currencies
  • Simplifying global payments and payouts in multiple currencies
  • Reducing intermediaries, payment charges, and settlement time

Use Case 2: B2C Bill Payments

B2C payments enable direct online payments to retailers, digital sellers, e-commerce platforms, and businesses that sell directly to customers. The services simplify the user experience of an online purchase with an option for one-time payment or recurring bills. Opus facilitates frictionless customer experience with a request to payment (RFP) for secure transfers directly from the user’s mobile app.

Problem Statement

Facilitate paying bills, and make payments for online purchases


  • Failure to avoid rampant invoice frauds and scams resulting in loss of customer trust
  • Increased customer costs due to the added convenience
  • Disruption in services due to lack of technical expertise leading to fines and delayed or missed payments
  • Added service provider load due to manual invoicing, follow-up, and reconciliation


  • Accelerating payments while saving costs for businesses and customers
  • Provisioning a smooth customer journey with automated end-to-end payments
  • Enabling direct bill presentation in customer’s mobile app
  • Simplifying payment with pre-filled details and one-step payment approval
A smart phone and POS device for digital payment transformation
Typing the credit card details in PC for enabling payments transformation

Use Case 3: G2C Instant Batch Payments

G2C payments are necessary during disaster relief or socially beneficial initiatives. Designated government or public agencies disburse funds to eligible people affected by natural calamities, disabilities, or social malice. Opus empowers authoritative bodies to issue and complete bulk transfers seamlessly with effective beneficiary data maintenance.

Problem Statement

Collect citizens’ detail, segment them as eligible and ineligible, and batch transfer relief funds


  • Inefficient legacy systems make citizen data maintenance and segregation time consuming
  • Delay of up to 3 days in transfers via traditional ACH rails
  • Inadequate security measures for transferring in bulk


  • Enabling instant transfers in large batches using RTP networks
  • Simplifying recurring transfers such as pensions, monthly stipends, and unemployment relief
  • Ensuring secure batch payments debulking from Government’s FI and rebulking individual responses after process completion
  • Facilitating cost-effective data reconciliation and reporting

Use Case 4: P2P – Split Payments

Peer-to-peer or person-to-person payments facilitate direct transfers between any two individual users. They can use personal bank accounts, credit unions, or mobile apps to electronically transact with their family and friends.

Problem Statement

Splitting restaurant bills among friends or gift amounts among a group


  • High friction via legacy transfers intermediated through banks via manual transfers, checks, or internet banking
  • Delayed process of setting up payee details, payment submission, credentialing, and tracking
  • Complicated user journey through payment initiation, submission, authentication, tracking, and completion stages


  • Simplifying automated and contact-less end-to-end A2A and P2P payment processing
  • Enabling instant transfers by directly adding a beneficiary through an alias such as e-mail or phone number
  • Facilitating secure funds storage within P2P service or application for future use
  • Providing transfer options to credit/debit card or bank account
  • Tracking and maintaining the transaction history
  • Improving user experience with easy to set up and manage payments solution
Smart phones displaying successful message on digital payments applications

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Frequently asked questions

All products and services that facilitate revenue growth for a business are revenue drivers. These include all activities and supplementary business functions that enable better access for core business offerings.

Anything that positively impacts the balance sheet is a revenue driver. These include quantifiable factors such as cash, profits, assets, and liabilities. Also, non-quantifiable ones such as customer satisfaction, loyalty, business positioning.