Solutions
Every module of a modern core banking system
Sixteen solutions on one platform, one database and one set of controls. What is live is live; what is coming says so.
Available today
Core Banking Solution
The branch banking core: customer profiles with any number of accounts, account opening with approval, teller cash deposit and withdrawal, tills and vault control, balance enquiry and statements.
Learn more →Transaction Processing
Real-time posting for cash, transfers, multi-credit and multi-debit batches, standing orders and bulk charges, hardened against duplicates, retries and concurrent tellers.
Learn more →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 →Investment & Term Deposit
Fixed deposits with flat or compound interest, maturity tracking, payout and printed certificates, plus daily, weekly and monthly contribution plans with target tracking for thrift, shares and welfare.
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 →Approval Workflow System
Loans, journals, expenses, transfer batches, field batches, account openings and large deposits all wait for approval by an officer other than the one who raised them, on the web and in the mobile app.
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 →Reporting System & Data Analysis
Account statements, customer and loan ledgers, teller summaries, financial statements, receipts, certificates and marketer performance exports, plus a live dashboard of the day's activity.
Learn more →Digital Field Application
An Android app for field officers and marketers: customer search, balance and ledger enquiry, field deposits and withdrawals, transfer batches, journals and approvals, all submitted for supervisor approval.
Learn more →Customer Alerts & Engagement
Transaction alerts by SMS, WhatsApp and email with per-customer opt-in, bulk messages and announcements, alert charge recovery and a delivery log, on a prepaid wallet you control.
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 →On the roadmap
In development and not part of the current feature set or pricing. Register interest on each page to join the pilot.
Digital Banking Solution
A customer-facing mobile app and USSD channel for balance enquiry, mini-statements and self-service, connected to the same core. In development.
Learn more →Digital Wallet Solution
Customer wallets with virtual account numbers so deposits by bank transfer land automatically. In development.
Learn more →NIBSS Integration
Send money from a customer account to any Nigerian bank through NIBSS Instant Payment, posted and approved like every other transaction. In development.
Learn more →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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