Cloud Banking Platform
The modern core banking platform for emerging markets
Serve millions of customers with AI-powered loans, savings, mobile money and compliance — all in one multi-tenant cloud platform.
No credit card · Live in 30 minutes · Cancel anytime
Trusted by financial institutions across 15+ countries
The Problem
Banks in emerging markets deserve better
Financial institutions are forced to choose between unaffordable enterprise systems and fragile spreadsheets. There's a better way.
Legacy desktop software
Expensive Windows-only installs. Tied to a single machine. No mobile access, no real-time visibility across branches.
Manual spreadsheets
Each branch lives in its own Excel file. Month-end reconciliation takes days. Errors compound silently.
Enterprise pricing
Six-figure implementation projects. Multi-year contracts. Consulting fees just to change a loan product.
One platform
Every module included. No surprise add-ons.
From loan origination to compliance reporting — everything your institution needs ships in one subscription. No integration projects. No consulting fees.
- Loans & Credit — full lifecycle, group lending, collateral
- Savings & Deposits — fixed deposits, goal savings, share capital
- Mobile Money — MTN MoMo, M-Pesa, Airtel Money, Telecel
- AI & Machine Learning — credit scoring, fraud detection
- Compliance & Audit — tamper-evident trail, RLS, 2FA
- Reports & Analytics — PAR dashboards, DPD buckets, scorecards
Platform Capabilities
Everything your institution needs.
No module fees. No surprise add-ons. Every feature ships in one subscription.
Loans & Credit
Full loan lifecycle from application to closure. Flat & declining balance, maker-checker approval chains, PAR dashboards, and penalty automation built in.
- Draft → Approve → Disburse → Repay → Close
- Group and solidarity lending
- Collateral tracking & valuation
- Loan restructuring & write-off workflows
AI-Powered
Intelligence built into every workflow.
Included on Growth plan and above. No per-query fees, no third-party model subscriptions.
Credit Scoring
ML model trained on repayment history, demographics and mobile-money behaviour to score every applicant.
Fraud Detection
Pattern recognition flags duplicate applications, suspicious account activity and velocity anomalies before they cost money.
Loan Recommendations
Suggests the right loan amount, tenure and interest rate for each customer based on their capacity to repay.
Collection Intelligence
Predicts which accounts are likely to default 30 days out, so your team contacts them before they miss a payment.
Payment Behaviour
Segments customers by payment pattern and spending behaviour to inform product design and collection strategy.
Built for your institution
Designed for every type of financial institution.
Purpose-built workflows and products for each institution type in our markets.
Microfinance Institutions
Group loans, susu, solidarity lending, and daily field-collection sheets — designed for the reality of MFI operations.
- Group & solidarity lending
- Field collection sheets
- PAR tracking
- Agent network
Rural & Community Banks
Multi-branch operations, teller balancing, inter-branch transfers, and maker-checker approval workflows.
- Multi-branch management
- Teller cash balancing
- Inter-branch transfers
- Maker-checker approvals
Credit Unions & SACCOs
Share capital management, dividend engine, member loan products, and governance workflows for cooperative structures.
- Share capital & dividends
- Member governance
- Cooperative loan products
- AGM reporting
Savings & Loans Companies
Fixed deposits, recurring savings, penalty-free withdrawal rules, and interest automation for deposit-taking institutions.
- Fixed deposit products
- Automatic interest posting
- Maturity alerts
- Withdrawal rules
Live in 30 minutes. Seriously.
Self-serve onboarding means no waiting for a sales team to set you up. You're in control from day one.
Sign up
Create your workspace in 60 seconds. No sales call, no procurement process, no waiting.
Configure
Set up your loan products, branches, user roles and branding — using our guided setup wizard.
Go live
Start serving customers with full banking capabilities. Import existing data from spreadsheets.
What institutions are saying
We replaced three separate systems — loan tracking spreadsheets, desktop teller software, and a third-party savings app. The team went live in two days and never looked back.
Integrations
Integrates with the tools you already use.
Mobile money operators, payment processors, AI providers and cloud storage — all pre-built.
Ready to modernise your institution?
Join banks across Africa, Latin America, the Caribbean and Asia already running on BankOps.