BankFuse combines composable core banking, AI credit decisioning, mobile channels and regulatory compliance into a single, unified platform — purpose-built for East Africa's financial markets.
A fully featured, real-time core banking engine built for modern financial institutions in East Africa. Double-entry accounting, multi-currency support and a single customer view across all your products and channels.
End-to-end loan lifecycle management from origination through disbursement to collections and write-off. Supports every loan product used in East African financial markets.
Over 70% of East Africans lack formal credit history. BankFuse's AI engine uses mobile money patterns, airtime behaviour and social signals to score them accurately — expanding your addressable market by up to 60%.
Analyses 24 months of M-Pesa, MTN MoMo, Airtel Money transaction history. Frequency, regularity, counterparty diversity and liquidity patterns feed directly into the credit model.
Safaricom, MTN, Airtel and Tigo behavioural signals including airtime purchase consistency, data usage patterns and network tenure contribute to the alternative score.
When bureau data exists (CRB Africa, TransUnion Kenya, Compuscan Uganda), we blend it with alternative signals for a comprehensive credit decision within 47 seconds.
From smartphone banking apps in Nairobi to USSD on feature phones in rural South Sudan — BankFuse gives all your customers a seamless banking experience.
White-label mobile banking app with account management, fund transfers, loan applications, statements and M-Pesa integration. Fully branded to your institution.
SmartphonesFeature-phone compatible USSD menus for account balances, mini-statements, fund transfers, loan repayments and PIN management. Works on any handset, zero data required.
Feature PhonesFull-featured web banking for business and retail customers. Bulk payments, payroll processing, standing orders and comprehensive account management.
WebISO 8583 ATM switching with KENSWITCH, TANZIPS and RNSWITCH integration. POS terminal management for your merchant network.
Card ChannelsOffline-capable Android app for your agent network. Conduct transactions, account opening and cash-in/cash-out even without internet connectivity.
Agent NetworkConversational banking via WhatsApp Business API. Customers can check balances, request statements and apply for loans via chat — in Swahili, Luganda or English.
Chat BankingBankFuse ships with regulatory modules pre-configured for all five East African markets. Automated statutory reporting means your team never misses a deadline.
BankFuse's RESTful API platform connects your institution to every payment network, credit bureau, government database and business tool used across East Africa.
Real-time dashboards, automated regulatory submissions and advanced portfolio analytics — all built in. Your management team always has the numbers they need.
Real-time KPI summaries for CEO and board — portfolio size, PAR, liquidity ratio, deposits growth and branch performance.
Drill-down PAR analysis by officer, branch, product and geography. Vintage analysis and early warning signals.
Automated CBK, BOU, BoT, NBR and BoSS regulatory returns generated and ready for submission on schedule.
Connect Power BI, Tableau, Metabase or Looker directly to BankFuse's data warehouse for custom dashboards.
Book a personalised demo with our East Africa solutions team. We'll show you exactly how BankFuse works for your institution type and market.