The Problem

The Payments industry is on a sharp upward trajectory with triple digit growth in Digital Payments. However, the questions are ...

  • A.while revenues look attractive, is the ecosystem profitable?
  • the growth sustainable in the medium to long term?
4thWave Solution
The 4 th Wave platform delivers the solutions in a unique way using cutting edge technology. This allows our partner institutions to enhance their revenues and profits.

Mobile Wallets

  • Stored Value & Straight Through

Universal Acceptance

  • Merchant App for Card & QR acceptance


  • Merchant Loyalty
  • Issuer Loyalty


  • Merchant Driven
  • Issuer Driven

Rewards & Offer Automation

  • Offer Management Solutions