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BankOps

Platform Capabilities

All the features. Included.

No module fees, no integration partners required, no surprise add-ons. Every feature ships in one subscription.

Loans & Credit

Full loan lifecycle from origination to closure with built-in maker-checker approvals, PAR dashboards, and automated penalty calculation.

  • Full loan lifecycle (draft → approve → disburse → repay → close)
  • Flat & declining-balance interest calculation
  • Maker-checker approvals with configurable levels
  • Collateral tracking with coverage ratio
  • Group / solidarity loans with joint-liability scoring
  • Loan restructuring & rescheduling
  • Automated penalty & late-fee calculation
  • PAR & DPD dashboards (6 buckets)
  • Loan charges & fee templates

    • Savings & Deposits

    Regular savings, fixed deposits, goal savings and SACCO share capital with automated interest posting and maturity management.

  • Regular savings accounts
  • Fixed / term deposits with auto-maturity and auto-rollover
  • Partial liquidation with early-withdrawal penalty
  • SACCO share capital — purchase, redeem, dividend, statement
  • Standing orders & recurring transfers
  • Dormancy management
    • AI-Powered · Growth plan+

    AI & Machine Learning

    OpenAI-powered intelligence built into every workflow — from credit scoring to fraud detection. Available on Growth plan and above.

  • AI credit scoring — 0–100 risk score with factors and default probability
  • AI fraud detection — real-time anomaly scoring with recommended actions
  • AI loan recommendations — optimal amount, term and rate per applicant
  • AI collection predictions — default probability and recovery priority ranking
  • Payment behaviour analysis — pattern detection (improving, declining, irregular)
  • AI risk scores persisted per customer for trend tracking
  • Powered by OpenAI — data never shared across tenants
  • Graceful disable if API key not configured

    • Payments & Mobile Money

    Disburse loans and collect repayments through MTN MoMo, M-Pesa, Airtel Money, and card payment gateways — all atomically posted to the ledger.

  • MTN MoMo, Telecel Cash, M-Pesa, Airtel Money out of the box
  • Paystack & Flutterwave card payments
  • Unified payments ACL — add a provider without touching domain code
  • HMAC-signed webhook verification for Paystack and Flutterwave
  • Every payment capture posted atomically to the double-entry ledger

    • Platform & Tenancy

    Every institution gets its own fully isolated workspace with custom branding, currency, locale, and user roles.

  • One platform — unlimited institutions, fully isolated
  • Per-tenant data isolation via Postgres Row-Level Security (FORCE)
  • Per-tenant branding — logo, colours, custom domain, SMS sender ID
  • Per-tenant currency, locale & timezone
  • Subdirectory login (bankops.net/{slug})
  • 14-day self-serve trial → subscribe online
  • Platform admin dashboard — tenant list, suspend/activate, impersonation
  • Subscription & billing via Paystack with invoice history

    • Compliance & Audit

    Bank-grade security with tamper-evident audit trails, sanctions screening, RBAC, and multi-factor authentication.

  • SHA-256 hash-chained audit log — every entry chains to the previous
  • Daily automated chain verification with tamper-alert logging
  • Sanctions & PEP screening via OpenSanctions (OFAC / UN / EU)
  • Weekly auto re-screening of all customers
  • Export-to-Excel audit log for regulators
  • Role-based access control (RBAC)
  • 2FA — TOTP + WebAuthn passkeys (Face ID, fingerprint)
  • Account lockout after configurable failed login threshold
  • Session management — list active devices, revoke sessions

    • Reports & Analytics

    PAR dashboards, DPD bucket analysis, loan-officer scorecards, and regulatory report templates — exportable to PDF and Excel.

  • PAR & DPD dashboards
  • Balance sheet & income statement
  • Cash flow reports
  • Loan aging analysis
  • Officer performance scorecards
  • Regulatory report templates
  • Transaction & disbursement reports
  • Arrears & repayment tracking

    • Developer Ecosystem

    REST APIs, outbound webhooks, customer self-service portal, and agent network — build integrations or extend BankOps.

  • API keys — SHA-256 hashed, scoped, revocable; plaintext shown once
  • Outbound webhooks — HMAC-signed event dispatch with automatic retry
  • Events: loan.disbursed, repayment.received, and more
  • Customer self-service portal — balance, loans, payments
  • Agent network — float ledger, cash-in/cash-out, commission engine
  • Custom fields — admin-defined fields on customers, loans and savings
  • Object storage adapter — S3-compatible presigned uploads

    • Operations

    Teller management, double-entry ledger, inter-branch transfers, and daily reconciliation tools.

  • Teller cash sessions with opening/closing balancing
  • End-of-day close & reconciliation
  • Double-entry General Ledger with journal entries
  • Inter-branch transfers
  • BullMQ async job queues — SMS, email, webhook retry
  • Branded PDF receipts & account statements
  • Loan-loss provisioning posted to GL daily
  • Wholesale borrowings & bond ledger

    • See it in action

    Start your 14-day free trial and explore every feature — no credit card required.