Modern core banking that helps your SACCO attract members, mobilise deposits, and meet SASRA — without the binder of paper. On-premise secure, diaspora-ready from day one, obsessed with your dividend.
You've seen it. Members queue at the branch for a balance check. Loan applications sit on someone's desk for two weeks. The finance officer stays late before every SASRA deadline. And when a teller discrepancy shows up, nobody can trace what happened.
When checking a balance means a trip to town, members just… stop. Deposits drop. Younger members leave for mobile banking apps.
A member needs school fees by Friday. Your loan committee meets next Thursday. By then they've borrowed from a shylock at 20% monthly.
Tellers handle millions in cash daily. No real-time reconciliation, no supervisor override, no instant audit trail. Problems surface at month-end — too late.
Every quarter your team scrambles to compile Form 4, PAR, CRB submissions. One late filing and SASRA sends a letter you don't want.
WhatsApp. USSD. M-Pesa. Standing orders. Payroll check-off. When saving is friction-free, money-in goes up. A 1,000-member SACCO typically sees 5–6M KES in additional deposits in year one.
Remote, paperless onboarding — for the alumni you lost to Nairobi, and the diaspora you lost to Dubai. Membership numbers that compound, not leak.
BomaScore checks savings history, repayment record, and guarantor standing in seconds. Your credit committee sees a recommendation before they open the file. Human judgement, better signal.
Three-bucket accounting. Waterfall routing. Maker-checker governance. SASRA returns that generate themselves. Below is the short list — the full module map is walked through during your demo.
Savings (FOSA), Deposits (BOSA), Share Capital — each with their own rules. Deposit waterfall routing per channel. This is how Kenyan SACCOs actually keep books.
Forms 2A–2H, PAR, liquidity, CRB, goAML/FRC filings, KRA eTIMS, DPA 2019 access logs. Kenya-native compliance automation, not a generic template bolted on.
STK Push deposits, B2C loan disbursements, payroll check-off waterfall. Built on Daraja direct — no aggregator middle-man taking a cut of every transaction.
Balance checks, deposits, loan applications and PDF statements on the phone your members already own. Swahili and English. No app download required.
Evidence-based credit assessment from savings behaviour, repayment history, and guarantor posture. Defensible. Explainable. No vibes.
From teller till to CEO board view. Role-based permissions, branch-scoped data, live feed of everything that moves. Built for how SACCOs actually run, not a generic admin panel.
+ 20 more modules — dividend & rebate, maker-checker governance, member exit workflows, schedule reconciliation, STR / AML scanning, bulk migration, tiered approval thresholds, dormancy, liquidity monitor, Paza voice signature, and more. We walk through them live.
Talk to SalesLet your alumni in Boston, London, or Dubai actually join your SACCO — paperless, compliant, and live in days instead of months. Remote KYC with passport and liveness, FATCA and CRS handled, funds flowing through M-Pesa Global, dividends paid back to their home bank. The members you thought you'd lost are now your highest-value deposits.
Document capture with liveness check. PEP and sanctions screening built in. Self-certification for tax residency. A diaspora member can complete the full onboarding flow from their phone in Dubai.
Each diaspora member gets a dedicated paybill reference. Contributions from Wise, Xoom, WorldRemit or Remitly reconcile automatically into their SACCO account. No manual chasing.
Annual dividends repatriated to USD, GBP, EUR accounts via Wise Business. Withholding tax, DTAA overrides, and FATCA/CRS reporting all handled inside the platform.
Illustrative projections for a 1,000-member SACCO with a KES 50M loan portfolio.
Digital access removes branch friction. On a KES 50M base: an estimated KES 5–6M additional deposits annually.
From 2–4 weeks to under 24 hours. Automated assessment in seconds; human approval in minutes.
Rule-based credit assessment flags high-risk applications before approval. Estimated year-one improvement.
Loan officers reclaim an estimated 150 hours per month from manual form processing and report compilation.
Illustrative estimates based on comparable cooperative digitisation outcomes in East Africa. Actual results vary by SACCO size and operational baseline.
We'll walk you through the member experience, the teller terminal, the compliance dashboard — using numbers that look like yours. 30 minutes, no pressure.
Built in Kenya · SASRA Regulated · Kenya DPA 2019 · M-Pesa Daraja · KRA eTIMS · POCAMLA Compliant