USSD, mobile money and lending software for banks, savings and loans companies, microfinance institutions and fintechs in Ghana and across Africa, built with the controls your regulator and auditors expect to see.
Financial ServicesSusu and loan collections are written down in the field and keyed in days later. Mistakes and missing cash only surface at month end, if they surface at all.
Anyone with the file can change a figure and nobody would know. Arrears reports take days to pull together, and the board is always looking at last month.
Auditors ask who has access to what, when it was last reviewed and how incidents are handled. The honest answer is scattered across emails and one IT officer's memory.
SIM swaps, social engineering and insider fraud happen when the office is shut. By the time someone reads the alert after the weekend, the money has moved.
Your customers expect to save, borrow and repay from a basic phone at any hour. Yet many microfinance and savings companies still keep the loan book in Excel, mobile bankers write collections in a book, and the core system goes quiet whenever the network does. Each of those gaps is a door for fraud, errors and an uncomfortable finding in the next audit.
We build the channels and systems that close them: USSD menus that work on any phone, payment integrations from MoMo and GhIPSS transfers in Ghana to M-Pesa in Kenya and gateways such as Paystack and Flutterwave, and loan and savings software with an audit trail on every change. Then we test, monitor and defend what we've built, with IT audits, identity controls and AI-driven threat response, because in finance the build is only half the job.
Each of these can stand alone or plug into what you already run.
USSD menus for balances, deposits, loan applications and repayments on any phone, plus Android and iOS apps for customers who want more than a menu.
Collections, disbursements and repayments through MoMo, M-Pesa and other wallets, bank transfers and gateways such as Paystack and Flutterwave, reconciled automatically against each customer's account, in each currency you hold.
Applications, approvals, schedules, collections and arrears in one system, with a mobile banker app that records every collection in the field as it happens.
An independent review of access, change control, backups and incident response against Bank of Ghana requirements, or your own central bank's, and the data protection law you fall under, with a plan to close each gap.
AI security agents watch your systems around the clock, investigate alerts and contain a confirmed threat as soon as it's found, with our analysts overseeing every escalation.
Multi-factor sign-in, role-based access and regular access reviews through Microsoft Entra ID or Okta, so staff only reach the systems their job needs.
The services that matter most for banks, lenders and fintechs. Each one has its own page with the full detail.
Software built around how your business really runs, from fee collection to stock counts, with mobile money built in.
Independent checks against ISO 27001, NIST CSF and the data protection law you answer to, with a fix list.
AI security agents triage alerts and contain threats around the clock, with our analysts overseeing every action.
Move Active Directory to Microsoft Entra ID or Okta, with single sign-on and MFA, planned so nobody gets locked out.
Analysts search your network for hidden attackers and signs of past breaches, then close the gaps they used.
Move servers, files and email to Azure, AWS, Google Cloud or Microsoft 365 in planned stages, without stopping work.
Designed, built and supported by our team in Accra.
Tell us what you run today and where you operate, from USSD to the loan book. We'll show you where the risk and the delays are, and what we'd build or fix first.
Or call +233 24 886 9658Straight answers to what people ask us before they start.
Still have a question?
Call us on +233 24 886 9658 or send us a message. A real person will get back to you.
Yes, USSD integration is work we have delivered before. We design the menu flow, build the application behind it and connect it to your core system and mobile money. You will also need a USSD short code and network access through the mobile operators or an aggregator in each country you serve, and we guide you through that process and the testing on each network.
We build and review systems against the rules you answer to. In Ghana that means the Bank of Ghana's Cyber and Information Security Directive and the Data Protection Act, 2012 (Act 843). Elsewhere it means your own regulator, such as the Central Bank of Nigeria, and laws like Nigeria's Data Protection Act 2023, Kenya's Data Protection Act 2019 or South Africa's POPIA. Our IT audit gives you a prioritised plan and the evidence examiners ask for. Only the regulator can confirm compliance.
Cost depends on the channels you need (USSD, app, web), how many integrations there are with mobile money, payment gateways or your core banking system, how much historical data we migrate, and the security and hosting requirements you have to meet. A loan module for a microfinance company is a very different size of job from a full digital lending platform. You get a written quote once we've scoped it together.
Yes. We deliver remotely from Accra and build for the market you're licensed in: its mobile money rails, the gateways that settle in your currency, ledgers that handle more than one currency if money crosses borders, and the reports your regulator expects. Ghana is on GMT all year, which overlaps working hours across West Africa and Europe and much of the East African day, and we agree support hours and escalation contacts to suit yours.
Autonomous threat response uses AI security agents to investigate alerts and contain confirmed attacks quickly, for example by locking a compromised account or isolating an infected laptop, with our analysts overseeing them. It matters most if money moves outside office hours, because fraud doesn't keep office hours. Smaller institutions often start with an IT audit and identity controls, then add it.
In most cases, yes. We build USSD, mobile and payment channels that talk to your core system through its APIs or integration layer, so you add channels without replacing what already works. Where a vendor restricts access, we work with them directly and tell you early if a requirement can't be met.
We design for failure from the start: hosting with backups in more than one location, monitoring that alerts us before your customers notice, and recovery steps agreed with you in advance. Uptime targets and response times are written into the support agreement, so you know exactly what to expect when something goes wrong.
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