MBAM is an e-money and e-commerce platform developed to solve issues related to financial inclusion, high cash handling costs, and expensive remittances. It is a secure, web-based solution that provides on-demand verification reports accessible both online and offline. The platform focuses on availability, security, and portability. MBAM is scalable, reliable, and follows strict security standards such as ISO 27002, PCI, and EBA. It allows integration with third-party systems through RESTful Web Services and Open API.