Industries
Zenus Banking Pro for Fintech & Consumer Lenders
A loan engine with direct debit, credit checks and an API
Flat-rate and reducing-balance products, upfront and interest-inclusive charges, BVN and credit bureau checks inside the workflow, repayment by direct-debit mandate, and a REST API so your own applications post into balanced books.
Digital lenders need a ledger that an auditor will sign, not just a loan app. Zenus Banking Pro gives you the loan engine, the general ledger behind it and the collections tooling: BVN and NIN verification with match scoring, credit bureau summaries inside the application, direct-debit mandates that charge instalments automatically, and an idempotent, maker-checker-enforced API for your own front end.
Solutions
What Fintech & Consumer Lenders use most
Payment Processing & Collections
Loan repayments collected automatically by direct-debit mandate on the customer's card or bank account through Paystack, with retries, deactivation and a full attempt log.
Learn more →General Ledger (Financial Accounting)
Chart of accounts, journals with approval and reversal, trial balance, balance sheet and profit and loss for any period, bank reconciliation, expenses and period closure.
Learn more →Credit & Loan Solution
Flat-rate and reducing-balance loan products, application to disbursement workflow with maker-checker, amortised schedules, guarantors, manual and automatic repayment, offset and arrears monitoring.
Learn more →Risk Management & Compliance
BVN and NIN verification with match scoring, credit bureau checks, account blocks, backdating controls, closed accounting periods and the figures your monthly CBN and NDIC returns need.
Learn more →System Governance & Security Architecture
A permission matrix per role, audit and reversal logs, password policy, instant revocation of app access, one database per institution and encrypted provider keys.
Learn more →Open Banking / API Integration
A staff REST API with bearer tokens, Stripe-style idempotency keys, duplicate detection and maker-checker enforcement, so your own apps and partners post batches and approvals safely.
Learn more →Also for: Microfinance Institutions · Cooperatives, Thrift & Daily Contribution
See Zenus Banking Pro on your own numbers
A live demonstration on a sandbox with sample data, then a free two-day data assessment for a fixed go-live date.
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