One secure cloud platform for savings, loans, teller operations and mobile money

Core Banking Built for Africa's SACCOs, MFIs and Banks

Onboard members faster, cut operating costs and report in real time, from any branch, at any hour.

Meet your members where they already transact

Mobile Money, Built In

Connect M-Pesa and other mobile money directly to AfriCore-OS. Accept deposits and repayments, disburse loans to members' phones, and post every transaction in real time.

Your members' money deserves real protection

Bank-Grade Security. Regulator-Ready Reporting.

Role-based access, complete audit trails and compliance-ready reports keep your institution secure and on the right side of regulation.

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What We Offer

Available Features

See our available Features

Core Platform

Core Banking & Member Management

One secure cloud platform to manage members, accounts and branches, built for SACCOs, MFIs and banks.

  • Fast member and customer onboarding
  • Complete member profiles and records
  • Multi-branch management
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Savings & Deposits

Savings & Deposit Accounts

Set up and manage savings products and deposits with accurate, real-time balances.

  • Configurable savings and deposit products
  • Real-time balances and statements
  • Automatic interest calculation
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Loan Management

Loan Origination & Management

Automate the whole loan lifecycle, from application and approval to disbursement and repayment.

  • Online loan applications and approval workflows
  • Automated schedules, interest and penalties
  • Repayment tracking and arrears monitoring
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Digital Channels

Mobile Banking & M-Pesa Integration

Let members deposit, withdraw and repay by M-Pesa and mobile money, with SMS and email alerts.

  • M-Pesa and mobile money integration
  • Mobile and internet banking
  • Instant SMS and email notifications
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Operations & Finance

Teller,Stage Clark, Cash Management & General Ledger

Control branch cash and keep your books accurate, with a general ledger that updates in real time.

  • Stage Clark
  • Teller and cash management
  • Automated general ledger postings
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Integrations

Security, Access Control & API Integrations

Role-based security, a full audit trail and open APIs for the systems you already use.

  • Role-based user security
  • Complete activity audit trail
  • Secure, scalable cloud architecture
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About Us

About AfriCore-OS

AfriCore-OS  is a modern, cloud-based core banking platform built to help SACCOs, microfinance institutions, cooperatives, digital lenders and banks automate operations, serve customers better and grow securely. Designed around Africa's financial landscape, it lets your institution digitize with...

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About Us
17+
Years of
Experience
Insights

Latest News

Stay updated with our latest projects and insights

What to Look for When Choosing a Core Banking Platform in Africa
October 10, 2026
What to Look for When Choosing a Core Banking Platform in Africa

A practical checklist for your next vendor conversation, from core modules and mobile money to security, reporting and support.

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Why SACCOs Are Moving Their Core Banking to the Cloud
October 10, 2026
Why SACCOs Are Moving Their Core Banking to the Cloud

Servers in a back office work until a power cut or a failed disk says otherwise. Here is what changes when a SACCO moves its core banking to the cloud.

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The Golden Handcuffs
March 18, 2026
The Golden Handcuffs

Escaping The Rat Race

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