Banking, Payment and Identity Solutions

Banking Payment & ID Solutions in Kuwait

Retail banking customers demand fast and convenient access to banking services; this also means being able to provide our customers with a new card as soon as they need it. We work closely to achieve customer delight when it comes to secure issuance of cards and related products.

Our solution enables you to manage an account, create a card with embedded microprocessor chips that store, and protect cardholder data.Set up the rules, manage limits, and issue a ready-to-use card in a few minutes.

“With over 40 years of partnerships with global leaders in digital banking, digital payments, and issuance systems, Al-Bahar & Partners (BPC) has been a forefront provider and the first choice to leading Banks in Kuwait such as the National Bank of Kuwait and Gulf Bank of Kuwait. Our mission is to support the digital transformation in Kuwait, and to enhance the public experience as we move forward to a more digitalized world. Al-Bahar & Partners (BPC) is bringing to Kuwait market the most recent digital payments solutions and issuance systems that support convenient and secure modern customer experiences”.

Banking & Payment

We help banks and financial institutions in Kuwait manage their  banking and payment services. There are multiple payment methods for digital and physical transactions that we have implemented in Kuwait with the help of our partners.  

The Internet of Things

Our products are at the heart of connected industrial IoT devices from smart energy to car infotainment. Our IoT solutions provide two critical IoT components: reliable cellular connectivity and robust IoT security.

Digital Onboarding and Consumer engagement Platform

Digital onboarding and consumer engagement platforms are transforming the way idcustomers interact with banks. These platforms allow for a streamlined and efficient customer onboarding process, reducing the need for physical paperwork and lengthy application processes. In addition, they provide a personalized and engaging experience for customers, allowing them to access banking services at their convenience.

Furthermore, these platforms offer banks a wealth of data that can be used to better understand their customers, identify trends and preferences, and tailor their services and marketing efforts accordingly. This results in increased customer satisfaction, loyalty, and retention.

Overall, digital onboarding and consumer engagement platforms are becoming a crucial tool for banks to remain competitive in today’s rapidly evolving digital landscape, by providing an efficient and engaging experience for customers.



Tokenization is a process in which sensitive information, such as credit card numbers or bank account details, are replaced with a unique identifier or “token.” These tokens are meaningless to anyone who doesn’t have access to the original information, making them a more secure way to store and transmit sensitive data.

In the banking industry, tokenization is being used to increase security and reduce fraud. By tokenizing customer data, banks can ensure that their customers’ financial information is protected, even if their systems are compromised. This also allows for a more seamless and secure payment experience, as customers can make purchases using their tokens instead of providing their sensitive information directly to merchants.

Overall, tokenization is becoming a key tool for the banking industry to improve security and protect customer data in an increasingly digital world.

Physical and Digital Issuance

Physical and digital issuance are two methods that banks use to provide their customers with access to financial instruments such as credit cards, debit cards, and prepaid cards. Physical issuance involves producing a physical card that can be used in-person and online, while digital issuance enables customers to access their financial instruments through digital wallets and mobile apps.

Digital issuance is becoming increasingly popular in the banking industry as it offers greater convenience and flexibility to customers. It allows for faster access to financial instruments, and users can quickly and easily manage their accounts using their smartphones. However, physical issuance still holds importance, particularly for customers who prefer the traditional method of holding and using a physical card.

Overall, banks continue to provide both physical and digital issuance options to cater to a wide range of customer preferences and needs, while also ensuring the highest level of security for their customers’ financial information.


Secure Authentication

Secure authentication is a crucial component of the banking industry, as it ensures that only authorized users have access to sensitive financial information. Traditional authentication methods, such as passwords and PINs, are no longer sufficient to protect against increasingly sophisticated cyber threats.

As a result, banks are implementing more advanced authentication methods, such as biometric authentication, multi-factor authentication, and behavioral analytics. Biometric authentication uses unique biological traits such as fingerprints, facial recognition, and voice recognition to verify users’ identities. Multi-factor authentication involves using more than one method of authentication, such as a password and a one-time code sent to a user’s phone. Behavioral analytics involves analyzing users’ patterns of behavior to identify potential security threats.

Overall, secure authentication is essential to protect against cyber threats and safeguard customers’ financial information. Banks must continue to implement advanced authentication methods to provide their customers with the highest level of security.

Identity & Access

Identity and access security is an essential component of the banking industry’s security infrastructure, as it ensures that only authorized personnel can access sensitive data and systems. Effective identity and access security measures enable banks to prevent unauthorized access, detect potential threats, and respond quickly to security incidents.

In the banking industry, identity and access security measures typically include multi-factor authentication, user access controls, and regular monitoring of access logs. Banks also regularly train employees on proper access security protocols and continually evaluate and update their security measures to address new and emerging threats.

Overall, effective identity and access security is critical to the banking industry’s success, and banks must continually invest in robust security measures to safeguard against potential cyber threats.

Banking, Payment and Identity SolutionsBanking Solutions​

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