Financial institutions in Ethiopia are moving their customers to digital channels faster than their back offices can follow. We build the systems around the core: onboarding, lending, collections, reconciliation and reporting, so growth does not mean more paper.
Banking & microfinance
- Hawassa: 14 applications waiting for the credit committee
- 2,480 repayment reminders sent by SMS
- 36 of 38 field officers synced this morning
| Branch | Applications | Approved | Disbursed | PAR 30 |
|---|---|---|---|---|
| Addis Ababa, Bole | 96 | 61 | ETB 8.2M | 2.9% |
| Adama | 54 | 33 | ETB 4.4M | 3.6% |
| Hawassa | 48 | 27 | ETB 3.5M | 4.1% |
| Bahir Dar | 41 | 24 | ETB 3.1M | 3.9% |
| Shashemene | 39 | 22 | ETB 2.9M | 4.8% |
| Debre Markos | 34 | 20 | ETB 2.5M | 4.4% |
An example system on sample data, the way we would set it up for banking & microfinance.
What we hear, and what we set up instead.
The same problems come up in almost every first conversation in this sector. Each one becomes a step that runs on its own.
What we hear
- Account opening that still needs a branch visit and a paper file
- Loan applications passed between desks for days
- Field officers recording collections in notebooks
- Reports to management assembled by hand every month
What runs itself
- Loan file routed to the right approver by amount and branch
- Repayment reminders by SMS three days before due
- Daily reconciliation of telebirr and bank collections
- Portfolio-at-risk report delivered to management every morning
The systems we build.
Each one works on its own and all of them share one database, so a record entered once is right everywhere.
- 01
Digital onboarding
Account and loan applications online or in the branch app, with document capture and identity checks that can connect to Fayda.
- 02
Loan origination and collections
Applications scored, routed and approved by rule, with repayment schedules, reminders and field collection.
- 03
Agent and field apps
Offline-first apps for field officers and agents, synced to head office when signal returns.
- 04
Reconciliation and reporting
Mobile-money and bank flows matched automatically, and management and regulatory reports generated on schedule.
Connected to what you already use.
We connect to the systems you keep, instead of asking you to replace them. Data moves both ways, securely, and every exchange is logged.
- Core banking systems
- telebirr and mobile money
- SMS gateways
- Identity verification
- Accounting and reporting tools
Questions, answered straight.
Anything else? Ask us directly: we reply within one working day.
Ask a questionDo you replace our core banking system?
No. We build around it: onboarding, lending workflows, field apps, reconciliation and reporting that connect to your core through its interfaces.
Can the field app work in rural areas without signal?
Yes. Field officers record applications and collections offline, with photos and signatures, and the app syncs securely when it reaches a network.
that slows you down.
Tell us how things run today. We reply within one working day with what we would build first and how long it would take.