Bank of Georgia

HCE Wallet- Living Innovation

Services & Products
Date Created



Bank of Georgia

JSC Bank of Georgia is the leading Georgian bank. It offers a broad range of retail banking, corporate banking and investment management services. As of 31 December 2015, Bank of Georgia served approximately 2 million client accounts through one of the largest distribution networks in Georgia, with 266 branches, the country’s largest ATM network, comprising 746 ATMs, 2,589 Express pay (self-service) terminals and a full-service remote banking platform and a modern call center.


The Challenge

They wanted us to create HCE Wallet payment system to simplify transaction processes with the development of mobile technology. Host card emulation (HCE) is a technology that emulates a payment card on a mobile device using only software. This approach offers technical and business benefits to a wide range of mobile industry stakeholders that want to be active in the near field communication (NFC) payments ecosystem. It is a feature of the mobile operating system that allows for the secure element to be present outside the mobile device.

Although HCE is still a relatively new technology, Bank of Georgia wanted to integrate it into their mobile banking apps for various reasons. They trusted tmob to create this new infrastructure for their clients.


Our Solutions

Easy Payment Options

Add credit cards or other payment methods

HCE Wallet Payment

Ease of contactless payment.

Money Transfer

Money transfer capability.

Security Upgrade

Security of HCE payment system.

Financial Innovation

Providing new innovation to Bank of Georgia customers.

Utility Payments

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The Result

Within first 6 months, HCE Wallet system was used by 15% of clients of Bank of Georgia. For the first time Georgian clients used this technology and started to carry out payments with their mobile phones.


Bank of Georgia
HCE Wallet

Learn more about BoG



Most Used
HCE Wallet


David Birman

“Bank of Georgia went through a significant business transformation in terms of our mobile payment, with a huge emphasis towards the mobile channel.HCE wallet has been instrumental in helping us build simple mobile payment for Georgian clients.”


See Yourself

Download and experience Bank of Georgia HCE Wallet app.