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Built on Apache Fineract

A core banking system for SACCOs and savings groups.

BANKAYO is a core banking system — loans, savings, shares, and accounting — stood up, supported, and kept running. Members, products, and the books live in one place. Built on Apache Fineract.

Talk to usSee the operator UI
  • Loans, savings, shares
  • Products fitted to you
  • One ledger
  • Clients: Groups and KYC
  • Loans: Products and repayment
  • Savings: Deposits and interest
  • Shares: Price and holdings
  • Accounting: Charges and journals
  • Reporting: Board and regulator
  • Maker-checker: Approvals
  • Permissions: Roles
  • Bulk import: Uploads
  • SMS: Notifications
  • Mobile money: MTN, Airtel, Safaricom
Yours to keep

A core banking system you can actually own.Open engine. Your hosting. Your books.

The ledger is Apache Fineract — not a closed package. You choose where it runs, you keep the data, and you are not paying us a cut of the institution.

Talk to usApache Fineract

The engine is open — and yours to keep

Apache Fineract, not a private SACCO package. You can leave with the core and the data.

It lives where you choose

Your server, your cloud, or ours. Already run Fineract? That instance stays. Nothing is replaced.

No cut, no forced screens

We do not take a slice of the books. The operator UI is recommended, not required. Products are fitted to how you work.

Who it is for

Built for how these institutions already work

We start with SACCOs and savings groups. We also fit MFIs, money lenders, and investment clubs. Fintechs that need a ledger can talk to us too — that is not the first conversation.

Primary
SACCOs and savings groups
Members, shares, savings, and loans on one ledger. Officers and tellers work a daily queue; the board still gets a picture of the books.
Microfinance and credit institutions
Loan products, origination, approvals, disbursement, and repayment — with savings and charges beside them when you run both.
Money lenders and investment clubs
A smaller book, the same job: clients, products, and a ledger that matches how you actually take money in and pay it out.

Built around your operations

The modules a SACCO or MFI runs on, in one core banking system — not a pile of spreadsheets.

Clients and groups
Onboarding, KYC data, group structures and member records.
Loans and loan products
Product setup, origination, approvals, disbursement and repayment.
Savings and savings products
Deposits, withdrawals, interest posting and statements.
Shares
Holdings, price per share, purchases, and the value of the book.
Charges and accounting
Fees, journals and a general ledger that stays reconciled.
Reporting
Standard reports, your own reports, and the formats your regulator asks for.
Products, not a template

Your loan, savings, and share products — as they actually work

Terms, charges, and how a product behaves are configured with you. If a product does not fit the defaults, we change it in the core rather than paper over it.

Loan products
How you lend: terms, interest, charges, and the path from application to repayment. Set up with you so the product on the screen is the product you run.
Savings products
How you take deposits: products, interest posting, charges, and what is available versus held. Configured to your rules, not a generic savings account.
Share products
How you issue shares: price, purchases, pending versus approved, and the value of the holding. Matched to how your institution actually sells shares.
Talk to us

Your members get an app.Savings, loans and shares on their phone.

About the Self Help app
FAQ

Frequently asked questions

What buyers ask before they commit to a core banking system.

A core banking system — clients, loans, savings, shares, charges, accounting, and reporting — the support to keep it running, and products fitted to how you already work.

Tell us how you work.We will tell you what fitting the core to your products looks like.

Talk to us