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Innovation in the Microcredit Disbursement Market in Bosnia and Herzegovina: Partner MKF, ASA Bank and Bamcard Enable Cardless Microcredit Withdrawals at ATMs

Sarajevo, April 21, 2025 – Partner Microcredit Foundation, ASA Bank d.d. Sarajevo and Bamcard d.d. have joined forces to offer Partner MKF clients a new, revolutionary service for withdrawing microcredit funds. Thanks to this innovation, clients can now withdraw approved microcredits from a wide network of ASA Bank ATMs – without the need for a card.

This advanced service brings numerous benefits:

  • Accessibility: Clients can withdraw funds at the location that suits them best, at any time of day or night.
  • Simplicity: Cash withdrawals are enabled through a simple process, without the need for a physical card.
  • Security: The system is designed with a strong emphasis on the safety of users and their funds.

 

The digitalization of this process was made possible through close cooperation between the three companies, redefining the boundaries of financial service delivery in Bosnia and Herzegovina. Partner MKF provided financial support to clients, ASA Bank offered the infrastructure through its ATM network, while Bamcard, as a leader in technological solutions, provided the technical support necessary to realize this innovative project.

„We are proud to say this is a significant step forward in the digitalization of the microcredit sector. Partner recognized the needs of its clients and introduced a new service for our microcredit users, aiming to facilitate access to financial resources and make services more accessible and secure,” stated Senad Sinanović, Director of Partner Microcredit Foundation.

„The technological support for this project confirms our commitment to innovations that directly impact the improvement of citizens’ lives,” said Slađan Šehović, Head of Marketing, Product Development, and Client Relationship Management at Bamcard d.d. Sarajevo.

This collaboration once again confirms that through joint efforts and innovation, we can create solutions that meet the needs of modern users.

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