Built from scratch for SASRA, KRA eTIMS, POCAMLA, and DPA 2019 — with WhatsApp and USSD as the member channels, and M-Pesa as the payment rail. Everything connected. Nothing requires a separate system or manual hand-off.
Members self-register, check balances, apply for loans, and repay via WhatsApp (smartphone) or *XXX# USSD (any phone). Domestic members verify identity via IPRS. Diaspora members (non-Kenya numbers) register with a passport — no branch visit required for anyone.
Automated scoring based on each member's savings history, repayment record, guarantor standing, and declared income. Consistent, data-driven decisions. Fewer defaults. No bias.
Savings deposits arrive via STK push. Approved loans are disbursed directly to the member's M-Pesa. Zero teller cash handling. Full automated reconciliation log.
Loans above KES 50,000 require a spoken passphrase verified against the member's enrolled voice profile. Separately, an automated AML scanner runs daily — detecting large cash, rapid deposits, structuring, and dormant-account spikes — and feeds directly into the MLRO's goAML reporting workflow.
Liquidity ratios, PAR30, NPL, and eTIMS invoice logs are computed in real time from live transaction data. Exportable on demand. No end-of-quarter scramble.
Finance officers approve loans, view real-time transactions, manage dividends, and access compliance reports from one authenticated browser session — anywhere.
New members join directly through WhatsApp — no branch visit, no paper form, no staff data entry. Domestic members are identity-verified against IPRS automatically. Diaspora Kenyans register with a passport and country of residence. All new members enter a KYC review queue before activation.
Purpose-built teller screen — not a form in a dashboard. Search a member, press F1 to deposit, type the amount, hit Enter. Three keystrokes per transaction. Live cash balance, session log, supervisor override for large amounts, denomination-based till reconciliation at close.
TELLER, BRANCH_MANAGER, LOAN_OFFICER, CUSTOMER_SERVICE, CREDIT_MANAGER, FINANCE_OFFICER, COMPLIANCE_OFFICER, MANAGER, CEO, ADMIN, INTERNAL_AUDITOR, BOARD_MEMBER, IT_ADMIN. Each sees only what they should. Loan officer can't approve. Auditor can't modify. Board sees summaries only. Staff can't write off their own loans.
Real double-entry GL. Financial statements generated from journal entries, not spreadsheets. Board-ready PDFs with SACCO name, signature blocks, and SASRA compliance footer. Your board can review the numbers before every AGM without calling the finance officer.
Every deposit-taking SACCO tracks three pools of member money — share capital, deposits (BOSA), and savings (FOSA). SASRA returns require them split. Most software lumps them into one bucket and staff fudge the classification at quarter-end. BomaOS keeps them as separate ledgers from day one, so your reports match your books.
Loan multiplier, monthly deposit minimum, dividend rate, rebate rate, DTI cap, liquidity floor — all editable from the dashboard by your CEO or finance officer. Board approved a new multiplier? Update the number, save. No support ticket, no release cycle, no waiting on a vendor.
When a member's salary deduction lands, it should cover this month's deposit minimum, then clear any overdue loan installment, then top up share capital if short, then drop the remainder in savings. Most software parks it all in one account and leaves someone to unpick it. BomaOS runs the waterfall on the way in — per channel, configurable.
Not every member wants WhatsApp. The member portal lets them log in with a PIN, check balances, view transaction history, apply for loans, download PDF statements, and request withdrawals — all from a browser. Works on any phone with internet.
Set a rate, BomaOS credits interest to every eligible account on the 1st of each month. WHT computed automatically (15% for corporates, 0% for individuals per Kenya ITA). Full audit trail. Run manually or let the cron handle it.
The member's phone conversation and the officer's command centre run in parallel — live, connected, with no manual hand-offs between them.
Real conversations from the system — in the apps and on the phones Kenyans use every day.
BomaOS is natively integrated with the platforms that run Kenyan finance — not bolted on after the fact.
STK push deposits + B2C disbursements
Electronic invoice validation, auto-connected
Verified business profile, end-to-end encrypted
Short-code USSD on any Safaricom line
Identity verification at onboarding + credit bureau checks at loan application
Automated AML detection + POCAMLA-compliant STR submission
Talk to us and we'll walk through every system — member experience, officer dashboard, and compliance suite.
No commitment required. We tailor the demo to your SACCO's size and product mix.