Digital products for institutions that handle other people’s money.

Banks, microfinance, SACCOs, insurers and fintechs.

Introduction

Customers judge a financial institution by its app as much as its branch. We design and engineer the digital channels, back-office systems and integrations that let institutions serve more people with fewer errors.

Challenges

What gets in the way in financial institutions.

01
Trust on a small screen
Customers need to feel safe before they type a PIN. Clear flows, honest receipts and Swahili-first copy reduce abandonment and support calls.
02
Accuracy under load
Month-end peaks, retries and network drops must never duplicate or lose a transaction.
03
Oversight and audit
Every action needs a record that compliance teams and auditors can follow.

What we build

Systems we design and build for financial institutions.

01Mobile and internet banking interfaces
02Loan origination and collection systems
03SACCO member, savings and dividend systems
04Agency banking and float management
05Mobile money collections and disbursements
06Back-office reconciliation and regulatory reporting

Built for Tanzanian rules

The laws and regulators we design around.

01
Microfinance Act, 2018
Systems follow the tier your institution sits in: microfinance service providers supervised by the Bank of Tanzania, SACCOs under the Tanzania Cooperative Development Commission, and community groups under local councils.
Source: TanzLII: Microfinance Act, 2018
02
National Payment Systems Act, 2015
Wallets, collections and disbursements are built for Bank of Tanzania payment rules, including the electronic money regulations and instant payments through TIPS between banks and mobile money.
Source: TanzLII: Electronic Money Regulations, 2015
03
Know your customer and audit trails
Onboarding captures identity details for anti-money-laundering checks, and every change to an account, loan or limit is logged so compliance teams and auditors can follow it.
Source: Bank of Tanzania: payment system initiatives
04
Personal Data Protection Act, 2022
Customer data is collected with clear consent, stored securely, kept only as long as needed and reachable when a person asks to see or correct it. We help you prepare for registration with the Personal Data Protection Commission.
Source: DLA Piper: Data protection in Tanzania