A complete digital bank you license and launch under your own brand: mobile app, USSD, WhatsApp, agents, cards, loans, savings, Islamic banking and a full back office, with compliance reporting built in. It runs on your own servers and adapts to any country’s currency, languages, payment networks and regulator, with ready-made packs for Kenya, Ethiopia and Somalia.
You hold the licence and the customer relationship. We supply the technology underneath, with your name, colours and logo on every screen, statement and message.
Keep Temenos T24, Finacle or FLEXCUBE. Every posting is sent to your core, and customers get a modern app on day one.
Agents, USSD and group savings bring in people who live far from a branch or don't have a smartphone.
Run a fully Islamic bank, or an interest-free window beside your conventional products.
Run on a trust account at a partner bank, or bring business banking, POS and QR collections to your merchants.
A smartphone app for some, a USSD code for others, WhatsApp for many, and a corner-shop agent for cash. Every channel shares the same accounts, limits and security.
Everything that differs between countries is configuration: currency, languages, payment networks, ID checks, billers, tax and regulator reports. Kenya, Ethiopia and Somalia come pre-configured; any other market is set up to its local rules.
Switch the whole bank to Islamic mode and interest disappears from every product, screen and calculation. Or run an interest-free window next to conventional banking. Interest-based features stay off until your Sharia board approves them.
Profit-sharing savings and term deposits, with profit pools and declared rates.
Cost-plus financing and interest-free loans. Late charges go to a charity fund.
Islamic insurance cover sold inside the app through partner operators.
Board resolutions are recorded against each product and profit pool, ready for audit.
A transaction PIN on each payment, each customer bound to their own device, payments blocked after a recent SIM swap, and passkey sign-in with fingerprint or face.
Account opening checks the national ID against the registry, with a liveness selfie.
Reversals, adjustments, exchange rates, products, branding and feature switches all need a second person to approve.
Every transaction is screened. Suspicious-transaction and cash reports come out in goAML format.
Two-factor sign-in for staff, roles that see only what they need, and an audit trail of every change.
The platform runs in your data centre or your own cloud. Customer data never leaves your institution.
Pick the set-up that matches your licence. Each installation serves one institution, with its own database, brand and settings.
The platform holds deposits on its own double-entry ledger, with a general ledger, end-of-day close and reconciliation.
Your core stays the book of record. The platform supplies the channels and products and sends every posting to T24, Finacle or FLEXCUBE.
For payment companies and e-money issuers: customer funds held in a trust account at a partner bank, reconciled daily.
We review your licence, core system, payment partners and the modules you need.
Your name, colours, logo, legal pages and app store listings.
Payment rails, ID checks, billers and credit bureau go live with your provider accounts.
Staff training and a pilot with selected customers, with regulator sign-off.
Public launch. Your apps go out under your developer account.
A monthly licence per active customer. Only a signed monthly customer count leaves your servers, so we never see your customers' data. Implementation and support are quoted per institution.
Three fictional banks run on the platform, each set up for a different country. They use demo data that resets every night. Ask us for demo sign-in details.
Tell us about your institution. We'll show you the platform configured for your market and talk you through licensing and launch.
Our team will contact you within one working day to arrange your demo. Meanwhile, you can open one of the live demo banks.