Higher Security

Provides multi-factor security on transactions and DB Encryption implemented for all security information like PIN, Wallet ID.


User-friendly application where you can pay utility bills, send money to friends and family, mobile top-up and a lot more.


Quick payment can be made at the merchant store by scanning the QR code displayed at the store.

Cost effective

Users can perform transactions from one payment system at a very less cost or no cost and no additional charges.

How it Works

Smart Wallet: The Future of Payment is here.

Rosebay Smart Wallet is a fast and secure payment option that combines the convenience of a mobile phone with the speed of the internet. Rosebay’s Smart Wallet consists of two distinct product and service offerings; B2C offering which caters directly to the consumer segment and B2B offering which caters to SMEs. With the help of Smart wallet one can make payment at different merchant stores like; Restaurants, Convenience stores, mom & pop shops etc. Learn how it works:- - Download the app from play store/app store - Enter Phone number and other required details and follow the steps to get registered in the system - Enter the mobile number to login into the system - Load Money to the wallet by visiting the nearby Agent - Start Using the Services of the app

Case Study

Study on Smart Wallet

Smart wallet is owned by IME Digital, a subsidiary company of IME Group. The product is developed by Swift Technology, which is also a subsidiary company of IME Group. In February 2016, Smart Wallet (B2B model) was introduced to provide varied e-money services. As per google play store, the app download range between 1000 to 5000. Smart ensures easiness and provides an easy platform for the resellers to deliver various facilities through the pocket device. Transactions have grown significantly, with over 150,000 transactions conducted by over 3000 small and medium business owners around Nepal using IME’s mobile wallet.

Rosebay Smart Wallet

SmartWallet, ysSjJ-MdyDE, https://www.youtube.com/watch?v=ysSjJ-MdyDE, Array,

So What's Next ?