Banking · Retail · Fintech · Paytech
We run the systems that move a region’s money.
Novus modernises how payments are accepted, processed and scaled across regulated, high-growth markets — with modular platforms, managed services, and teams on the ground in seven countries.
Trusted to run mission-critical systems for
Who we are
The story of Novus — and the people who run it.
Novus runs the systems that move a region’s money. Since 2013 we’ve given banks, payment operators and retailers across Asia both the technology and the people to run it — Service as Software: modular platforms for banking, payments, retail and security, operated end to end by ~600 specialists across seven markets.
Founded in Singapore by Ricardos Khoury on one conviction — technology alone isn’t enough — Novus becomes the partner already operating at scale in your market, turning modernisation from a multi-year build into a service you switch on.
A leadership-led shift to AI-first
The leadership team has put Novus on an AI-first course — intelligence woven through every layer by novaai, turning the platform into a data flywheel where each transaction sharpens the next: fraud caught in milliseconds, the unscorable scored, routing and loyalty that tune themselves across banking, payments, retail and security.
A new chapter — the anchor acquisition
In August 2025, Novus became the anchor acquisition of Asia Fintech Ventures Group (AFVG) — the cornerstone of a regional fintech & paytech powerhouse, with more assets lined up to join.
Leadership
The platform
Four value chains, one platform.
From fragmented payment operations to one integrated ecosystem — accept, process, control and expand.
Accept Process Control Expand: one connected journey where each step compounds the last into end-to-end value.
How we engage
Commercial tiers scale by accountability — delivered through Build-Operate-Transfer, a Centre of Excellence and near/offshore delivery centres.
- 1Build
- 2Operate
- 3Transfer
Solutions
Modular components, composed into products.
Six platforms that work standing alone and compound when combined. Each is provisioned and run for you — not handed over as a licence.
Digital Banking
novabank
A complete digital-banking core delivered as Service as Software: Bank-in-a-Box (accounts, ledger, KYC), agency banking through neighbourhood agents and kiosks, ATM as a Service, wallet and mobile, card issuance, micro-lending and government disbursements, open and BaaS APIs, with AML/CFT and regulatory reporting — provisioned and run for you, 24/7.
Why it matters
Launch a digital bank in weeks, not years.
Turnkey infrastructure under your brand — up to 80% faster to market.
Reach the unbanked at scale.
Agent networks and mobile-first tools unlock underserved markets.
Generate fee revenue from BaaS.
Monetise banking for fintechs, employers and corporates.
Lower OpEx with managed services.
Novus runs the platform 24/7, SLA-backed, at a predictable monthly cost.
- Bank-in-a-Box core — accounts, ledger, KYC, onboarding
- Agency banking — last-mile via agent networks & kiosks
- ATM as a Service — end-to-end fleet management
- Digital wallet & mobile — white-label mobile banking
- Card issuance — debit, prepaid & virtual cards
- Financial inclusion — micro-lending, group savings, government disbursements
- Open APIs & BaaS layer — banking exposed via REST APIs
- Regulatory reporting — AML/CFT, central-bank compliance
- Deployment model
- Bank-in-a-Box + agency network
- Channels
- Agent, ATM, mobile, USSD, kiosk
- APIs
- Open / BaaS
- Compliance
- AML/CFT, regulatory reporting
- Delivery
- Service as Software · 24/7 managed
Proof points
Digital Payments
novapay
An omnichannel payment platform delivered as Service as Software: switching and routing, card issuing and acquiring, QR and NFC, an internet payment gateway with 3DS2 and tokenisation, mobile and USSD wallets, POS as a Service (Smart POS and SoftPOS), and reconciliation and settlement. Novus runs it as a scheme accelerator — driving more transactions for the rails, not competing with them.
Why it matters
One stack — every channel, every device.
Card, cash, mobile, QR, NFC, agent — one platform, no silos.
Certified across all seven markets.
Pre-certified regionally — go live in days, no recertification.
OPEX model — pay per transaction.
No upfront capex; deploy in weeks on a usage-based model.
99.8% uptime, proven at scale.
120M+ transactions a month on carrier-grade infrastructure with 24/7 NOC.
- Transaction switching — real-time routing across all schemes
- Card issuing & acquiring — debit, credit, prepaid processing
- QR & NFC payments — EMV QR, contactless, wearables
- Internet payment gateway — e-commerce, tokenisation, 3DS2
- Mobile & USSD wallets — feature-phone to smartphone
- POS as a Service — Smart POS, SoftPOS, kiosk terminals
- National switch connectivity across all seven markets
- Reconciliation & settlement — automated, multi-party
- Coverage
- Card, QR, NFC, wallet, USSD
- Gateway
- 3DS2, tokenisation
- Point of sale
- Smart POS / SoftPOS
- Back office
- Reconciliation & settlement
- Delivery
- Service as Software · 24/7 managed
Proof points
Digital Retail
novastore
A last-mile retail platform delivered as Service as Software: Smart POS and SoftPOS for retail, F&B and fuel, forecourt automation, store and F&B management, omnichannel loyalty, online-to-offline eCommerce, data intelligence, embedded novapay and a bridge to merchant banking — run end to end so the outlet just trades.
Why it matters
Digitise your store from day one.
POS, payments, loyalty and online in one contract and one support line.
Drive revenue with AI-powered loyalty.
Turn every transaction into data; smart campaigns lift basket size and frequency.
Bridge retail, banking & payments.
Merchants gain embedded finance — instant settlement, lending, insurance.
Built for the last mile.
Works online and offline across retail, F&B and fuel forecourts.
- Smart & Soft POS — Android & cloud POS for retail, F&B, fuel
- Fuel automation — forecourt controller, pump integration
- Store & F&B management — inventory, menu, order management
- Omnichannel loyalty — unified points, cashback, vouchers
- eCommerce integration — O2O bridge, marketplace, delivery
- Data intelligence & AI — segmentation, basket analysis, promotions
- Payments embedded — novapay built-in (cards, QR, wallets)
- Banking bridge — merchant settlement, float management, SME lending
- Point of sale
- Smart POS / SoftPOS
- Verticals
- Retail, F&B, fuel / forecourt
- Commerce
- Omnichannel + O2O eCommerce
- Loyalty
- Omnichannel loyalty
- Payments
- Embedded novapay
Proof points
Digital Security
novatrust
A payments-grade security platform delivered as Service as Software: HSM as a Service (FIPS 140-2 Level 3), key management and remote key loading (post-quantum ready), encryption and tokenisation (PCI-DSS), digital signature and compliance (ISO 27001, SWIFT CSP), fraud prevention and AML/CFT, a SOC as a Service with 24/7 SIEM, and penetration testing, vulnerability assessment and zero-trust.
Why it matters
Enterprise-grade security without the overhead.
HSM, SOC and key management as a monthly service — no capex, no hiring.
Stay ahead of AI-powered threats.
Fraud engine and SOC team monitor the threat landscape in real time.
Meet regulatory mandates faster.
Pre-aligned to PCI-DSS, ISO 27001 and regional requirements.
One security layer across the platform.
Protects banking, payments and retail from a single place.
- HSM as a Service — FIPS 140-2 Level 3, cloud & on-prem
- Key management & RKL — full lifecycle, remote key loading, PQ-ready
- Encryption & tokenisation — PCI-DSS, at-rest/in-transit, tokenised vaults
- Digital signature & compliance — e-signatures, PCI-DSS, ISO 27001, SWIFT CSP
- Fraud prevention & AML/CFT — real-time scoring, sanctions screening, KYC/KYB
- SOC as a Service — 24/7 SIEM, threat detection, incident response
- Pen testing, VA & zero-trust — infra, apps, micro-segmentation
- PQ resilience & managed security — quantum-safe crypto, end-to-end ops
- HSM
- FIPS 140-2 Level 3
- Standards
- PCI-DSS, ISO 27001, SWIFT CSP
- Operations
- SOC as a Service · 24/7 SIEM
- Keys
- RKL · post-quantum ready
- Assurance
- Pen-test / VA / zero-trust
Proof points
Talent & Managed Services
novaboost
The Service-as-Software delivery muscle, in two halves. Talent solutions: Resource-as-a-Service (certified experts on demand), end-to-end recruitment, contract talent, executive and specialist search, and Talent Process Outsourcing. Managed services: Application and Infrastructure Managed Services (AMS/IMS), outcome-based operations under SLA with a 24/7 NOC, and quality engineering. Commercial tiers scale by accountability — from recruitment fees to gain-share partnerships — delivered through Build-Operate-Transfer, Centre of Excellence and near/offshore delivery centres.
Why it matters
Technology and the team to run it.
One accountable partner for the platform and the operations around it.
Scale capacity without hiring.
Certified specialists on demand, embedded in your team.
Commercials that scale with accountability.
Recruitment fees Resource-as-a-Service outcome-based gain-share.
Proven delivery frameworks.
Build-Operate-Transfer, Centre of Excellence and near/offshore delivery centres.
- Resource-as-a-Service — certified experts on demand
- End-to-end recruitment — sourcing through onboarding
- Contract talent & executive/specialist search
- Talent Process Outsourcing (TPO)
- Application & Infrastructure Managed Services (AMS/IMS)
- Outcome-based operations — SLA-governed, 24/7 NOC
- Quality engineering & continuous improvement
- BOT · Centre of Excellence · near/offshore delivery centres
- Talent solutions
- RaaS, recruitment, contract, exec search, TPO
- Managed services
- AMS / IMS, 24/7 NOC, quality engineering
- Commercial tiers
- Recruitment RaaS outcome-based gain-share
- Delivery frameworks
- BOT · CoE · ODC (near/offshore)
- Delivery
- Service as Software · SLA-governed
Proof points
Intelligence Core
novaai
novaai puts AI where the money moves. It scores fraud and risk in real time, routes each transaction down the cheapest path that still succeeds, reconciles automatically, and scores credit for customers no bureau can see — across novabank, novapay, novastore and novatrust. It carries the AI-First direction of Novus 3.0 and is delivered, like everything else, as Service as Software.
Why it matters
Stop more fraud without stopping more customers.
Real-time scoring on every transaction, tuned per market rather than one global rule set.
Move money more cheaply.
Routing intelligence picks the cheapest path that still succeeds, across schemes and markets.
Close the books faster.
Automated reconciliation finds the exceptions so your team only handles what actually broke.
Lend to people the bureau cannot see.
Inclusion and credit models built on transaction behaviour, not on a credit file that does not exist.
- Fraud & risk scoring — real-time decisions on every transaction
- Adaptive fraud defence — models that retrain as attack patterns move
- Smart routing — least-cost, highest-success routing across schemes and markets
- Automated reconciliation — exception detection and settlement matching
- Credit & inclusion models — scoring the thin-file and unbanked
- Retail intelligence — loyalty, basket and demand analytics
- Threat detection — anomaly and intrusion signals feeding the SOC
- Data & ML engineering capacity — delivered with novaboost
- Scope
- Woven through every layer
- Capabilities
- Fraud / risk, routing, analytics
- Direction
- AI-First (Novus 3.0)
- Deployment
- Public cloud + AI
Proof points
Perspectives
How we read the next decade.
Payment modernisation in Asia is no longer optional — fragmented rails, rising omnichannel demand, escalating cyber threats and high capex barriers make it urgent. Read the positions below, and ask us for the paper behind any of them.
Proven impact
Proven where it’s hard — measured in people reached.
Philippines
RCBC ATM Go
Agency banking at national scale — bank-grade services through neighbourhood sari-sari stores and pharmacies.
Sri Lanka
People’s Bank
A state bank moved its self-service banking to fully managed delivery by Novus — reaching communities branches never served.
Coverage at a glance
Inclusion & impact
Measured in people reached, not just transactions.
Why Novus
Six reasons enterprises choose Novus.
Technology and people
We don’t just supply the software. We supply the specialists who run it — ~600 of them across seven markets.
Build and run
From implementation to managed operations under one accountable partner — live in weeks, not years.
AI-native
AI embedded into the platforms, the operations, the security and the decisions — not bolted on afterwards.
Regional delivery
Local execution with regional capability: six offices, seven markets, and central-bank and scheme certifications already in place.
Flexible commercial models
Project, managed service, subscription, resource-as-a-service or outcome-based — priced the way you want to buy.
Banking and enterprise expertise
Built for environments where reliability, security and compliance are not negotiable.
From LinkedIn
What we’ve been doing lately.
Recent moments from our LinkedIn page, newest first.
Talk to us
Tell us what you’re trying to modernise.
We’ll show you how Novus gets you there — faster, on OPEX, and run for you.
Ready to modernise?
Tell us where you operate and what you run today.
Where we are
| Market | Entity | Switchboard |
|---|---|---|
| Singapore HQ | Novus Technologies Pte Ltd 152 Beach Road, #13-05 Gateway East, Singapore 189721 | +65 6297 7085 |
| Malaysia | Novus Transact (Malaysia) Sdn Bhd Suite 20-03, Q Sentral, 2A Jalan Stesen Sentral 2, Kuala Lumpur Sentral, 50470 Kuala Lumpur | +60 3 2276 1896 |
| Indonesia | PT Nova Digital Perkasa Autograph Tower, 32nd Floor, Jl MH Thamrin No.10, Jakarta Pusat 12230 | +62 21 5095 8378 |
| Cambodia | Novus Technologies (Cambodia) Co. Ltd No. 5, St. 252, SPACElogic Gallery, Khan Daun Penh, Phnom Penh 12207 | +65 6297 7085 |
| Philippines | Novus Transact Philippines Corporation 20th Floor, RCBC Plaza Tower 1, 6819 Ayala Ave, Makati City 1227 | +63 2 8859 2938 |
| Sri Lanka | NovusTech Transact Lanka (Pvt) Ltd Devi Building, No. 142-3/1, 3rd Floor, Bauddhaloka Mawatha, Colombo 00400 | +94 11 742 7611 |
Seven markets served from six offices — Botswana is run from Singapore.