The Platform

Compliance-first.
Channel-native.

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.

Everything your SACCO needs

One platform. Every channel.
Every role. Every report.

Member Access

WhatsApp & USSD — zero downloads

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.

Credit Engine

BomaScore™ Credit Assessment

Automated scoring based on each member's savings history, repayment record, guarantor standing, and declared income. Consistent, data-driven decisions. Fewer defaults. No bias.

Payments

M-Pesa in, M-Pesa out

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.

Fraud Prevention

Voice Verification + AML Monitoring

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.

Regulatory Compliance

SASRA reports — always computed

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.

Management

Live Officer Dashboard

Finance officers approve loans, view real-time transactions, manage dividends, and access compliance reports from one authenticated browser session — anywhere.

Member Onboarding

WhatsApp Self-Registration

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.

Teller Terminal

Keyboard-first counter operations

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.

Access Control

13 roles — teller to board member

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.

Financial Reporting

Trial balance, P&L, balance sheet — with PDF export

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.

Ledger Model

Three books, not one

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.

Board Controls

Policy you change without calling us

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.

Salary Check-off

Deposits follow your waterfall

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.

Member Portal

Web portal for members who want more

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.

Savings Interest

Automated monthly interest crediting

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.

How It Works

Two experiences.
One connected system.

The member's phone conversation and the officer's command centre run in parallel — live, connected, with no manual hand-offs between them.

Member experience
1
Message the SACCO WhatsApp numberNew members are guided through self-registration (IPRS identity check included). Returning members are recognised by phone number and presented with their account immediately.
2
Self-serve in English or SwahiliBalance · Loan · Statement · Savings — all from a menu, any time of day.
3
Apply for a loan in under 5 minutesAmount and term chosen via message. Credit assessment runs automatically and shows the result on screen.
4
Voice verification for large loansLoans above KES 50,000 require a 10-second spoken passphrase verified against the member's enrolled profile.
5
M-Pesa disbursement, confirmed by WhatsAppOfficer approval triggers automatic M-Pesa transfer. Member receives WhatsApp confirmation and M-Pesa receipt.
Officer experience
1
Live dashboard — always currentReal-time feed of every deposit, loan application, and compliance event. No page refresh required.
2
Loan queue with full member contextEach application shows member history, BomaScore™ result, recommendation, and guarantors — everything needed in one view.
3
One-click approve or rejectOfficer adds a review note and clicks Approve. M-Pesa disbursement and member notification fire automatically.
4
SASRA compliance on demandLiquidity ratio, PAR30, and eTIMS log always current. Exportable before, during, or after a SASRA inspection.
5
Dividends declared in minutesOfficer sets rate. BomaOS calculates gross and net per member (WHT applied for corporates) and allocates on confirmation.
See It In Action

What members actually see

Real conversations from the system — in the apps and on the phones Kenyans use every day.

9:14▐▐▐ WiFi 🔋
Balance check — Swahili
10:32▐▐▐ WiFi 🔋
Loan application + credit assessment
14:07▐▐▐ 4G 🔋
Approval + M-Pesa disbursement
11:20▐▐▐ 🔋
BomaOS SACCO
*483*1# · Safaricom
Karibu Grace Wanjiku!
─────────────────
1. Angalia Salio
2. Omba Mkopo
3. Taarifa Fupi
4. Hisa Zangu
5. Mabadiliko
0. Toka
> Jibu: _
USSD — any phone, no internet
Integrations

Connected to Kenya's financial stack.

BomaOS is natively integrated with the platforms that run Kenyan finance — not bolted on after the fact.

M-Pesa Daraja

STK push deposits + B2C disbursements

KRA eTIMS

Electronic invoice validation, auto-connected

WhatsApp Business

Verified business profile, end-to-end encrypted

Safaricom USSD

Short-code USSD on any Safaricom line

IPRS / CRB

Identity verification at onboarding + credit bureau checks at loan application

FRC goAML

Automated AML detection + POCAMLA-compliant STR submission

See it live with your SACCO's numbers.

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.