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🏦 Tailored Financial Solutions

Built for every type of
financial institution
in East Africa

Whether you run a group-lending MFI in Kisumu, a DT-SACCO in Kampala, a commercial bank in Kigali or a digital lender in Dar es Salaam — BankFuse adapts to your business model, your market and your stage of growth.

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Microfinance Institutions

Scale financial inclusion across rural East Africa

From solidarity group lending in Western Kenya to individual microloans in Kampala — BankFuse gives MFIs the tools to serve the unbanked at scale, while keeping costs low and compliance airtight.

  • ✓
    Group & Solidarity Lending
    Manage Chama, Grameen-style, JLG and solidarity group loan cycles with automated meeting schedules, attendance tracking and group savings.
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    Loan Officer Mobile App
    Offline-first Android app for field officers. Originate loans, capture KYC documents, record GPS locations and collect repayments in areas with no internet.
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    CBK & AMFI-K Compliance
    Automated prudential returns for CBK-licensed MFBs, AMFI-K member reporting and SASRA returns — all generated without manual data extraction.
  • ✓
    M-Pesa Repayment Integration
    Customers repay directly via M-Pesa, Airtel Money or MTN MoMo. Instant reconciliation, automated receipts and zero-manual posting.
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    Microinsurance & Savings Products
    Credit life insurance, voluntary savings accounts and compulsory group savings — all integrated into the loan workflow.
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MFI Group Dashboard
InstitutionFaulu Kenya MFB
Active Groups1,432
Group Members22,180
Loan Disbursed (MTD)KSh 142M
M-Pesa Collected TodayKSh 3.4M
Repayment Rate97.3%
PAR302.1%
CBK StatusCompliant ✓
Field Officers Active248
Loans Processed Today1,102
Offline Transactions Synced87 ✓
SACCOs & Cooperatives

The complete SACCO management system for East Africa

BankFuse powers DT-SACCOs, non-deposit-taking SACCOs and savings cooperatives with full SASRA (Kenya), UCU (Uganda) and UMURENGE SACCO (Rwanda) compliance built in from day one.

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    Member Share Registry
    Track share contributions, share capital, withdrawable and non-withdrawable deposits for every member. Real-time member ledgers.
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    SASRA Compliance Reporting
    Automated SASRA returns, capital adequacy ratios, liquidity ratios, core capital and SACCO prudential returns — computed in real-time.
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    FOSA & BOSA Management
    Complete front office savings and back office savings account separation with individual member ledgers and inter-account transfer management.
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    Dividend & Interest Calculation
    Automated annual dividend computation, interest on deposits, patronage refund calculations and AGM reporting packages.
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    Member Self-Service Portal
    Members check balances, apply for loans, view statements and download share certificates via web or mobile — 24/7.
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SACCO Overview
SACCO NameMwalimu National SACCO
Total Members87,402
Share CapitalKSh 12.4B
Total Savings (FOSA)KSh 8.1B
BOSA Loan PortfolioKSh 18.7B
SASRA Capital Ratio18.4% ✓
Liquidity Ratio22.1% ✓
Dividend Declared12.5% p.a.
Commercial Banks

Modernise your core banking without disruption

Replace aging T24, Flexcube or Finacle cores with BankFuse's composable banking platform. Migrate safely module-by-module, launch faster and serve customers better across the East African Community.

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    Composable Core Architecture
    Modular microservices. Replace one module at a time — no big-bang migration. Run BankFuse alongside your legacy system during transition.
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    Multi-Country, Multi-Currency
    Single platform serving your operations in Kenya, Uganda, Tanzania and Rwanda with local regulatory compliance per legal entity.
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    Trade Finance & Treasury
    Letters of credit, documentary collections, bank guarantees, forex trading, interbank lending and full treasury management tools.
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    SWIFT & Interbank Connectivity
    Native SWIFT messaging (MT/MX), RTGS/EFT integration with KBA Kenya, TBA Tanzania, UCB Uganda and RNSWITCH Rwanda clearing systems.
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BankABC Bank East Africa
CountriesKE · UG · TZ · RW
Total AssetsKSh 87.3B
CAR (Basel III)16.8% ✓
Tier 1 CapitalKSh 14.2B
NPL Ratio4.2%
Loan:Deposit Ratio71.4%
SWIFT ConnectedActive ✓
RTGS StatusLive ✓
Fintechs & Digital Lenders

Launch your neobank or fintech in weeks, not years

BaaS-ready APIs, embedded finance building blocks, and a developer-first platform that lets East African fintechs build, test and deploy financial products at startup speed — with enterprise-grade compliance.

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    Banking-as-a-Service (BaaS)
    White-label accounts, virtual cards and lending products via REST APIs. Go live without a banking licence through our partner banks in Kenya and Uganda.
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    Full Developer Sandbox
    Test M-Pesa flows, simulated users and regulatory environments for all 5 markets. Postman collections and SDKs for Python, Node.js and PHP.
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    Digital Onboarding & eKYC
    Automated identity verification using Huduma Number, Uganda National ID, NIDA Tanzania. Liveness detection and IPRS integration in real-time.
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    Instant Digital Lending
    Fully automated loan origination, AI scoring and M-Pesa disbursement in under 60 seconds. Used by Kenya's fastest-growing digital lenders.
Book Fintech Demo →Explore APIs
FintechTanda Digital Credit
API Calls Today1,247,032
Avg Loan Process Time47 seconds
eKYC Approval Rate94.7%
API Uptime (30d)99.99%
M-Pesa DisbursementsKSh 42M today
Sandbox EnvironmentActive ✓
Agricultural Finance

Unlock credit for East Africa's smallholder farmers

Agri-specific loan products, seasonal credit management, warehouse receipt financing and government scheme integration — built for Kenya's Rift Valley, Uganda's coffee belt, Tanzania's agricultural corridor and Rwanda's cooperative farms.

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    Seasonal Loan Scheduling
    Repayment schedules aligned to planting and harvest seasons for maize, tea, coffee, rice and horticultural crops across all five markets.
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    Warehouse Receipt Finance
    Integration with NCPB Kenya, UCE Uganda and WRS Tanzania for commodity-backed lending using certified warehouse receipts as collateral.
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    AGPO & Government Schemes
    Built-in support for Kenya's AGPO, Uganda's PDM, Tanzania's BRN and Rwanda's Agaciro agri-financing government scheme workflows.
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    Input Finance & Value Chain
    Disburse loans directly to agro-input dealers. Track seed, fertiliser and irrigation equipment purchases as collateral and repayment triggers.
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InstitutionKenya Tea Dev. Agency
Farmers Served42,000
Counties CoveredNyeri, Kirinyaga, Meru
Active Agri LoansKSh 890M
Seasonal Repayment98.1% on schedule
WRS CollateralKSh 210M pledged
AGPO ComplianceCertified ✓
Feature Comparison

Which BankFuse solution fits your institution?

Feature MFI SACCO Bank Fintech Agri
Core Banking Engine✓✓✓✓✓
Group Lending✓✓––✓
SASRA / SACCO Compliance–✓–––
SWIFT / RTGS––✓––
M-Pesa / MoMo Integration✓✓✓✓✓
AI Credit Scoring✓–✓✓✓
BaaS / Open APIs––✓✓–
Seasonal Repayment Schedules––––✓
Get Started

Not sure which solution is right for you?

Our East Africa solutions team will help you identify the right configuration for your institution type, market and growth stage — at no cost.

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