Grow Your SACCO's Revenue With a Proven Virtual Banking System

Use Africa’s most trusted virtual banking system, trusted by 50+ SACCOs and 700,000+ members. Mobile banking, agency banking and internet banking solutions designed to reduce your operating costs, retain members and grow revenues. 

Grow Your SACCO's Revenue With a Proven Virtual Banking System

Use Africa’s most trusted virtual banking system, trusted by 50+ SACCOs and 700,000+ members. Mobile banking, agency banking and internet banking solutions designed to reduce your operating costs, retain members and grow revenues. 

The Virtual Banking System Built Specifically for SACCOs

The Virtual Banking System Built Specifically for SACCOs

Your members expect convenient, 24/7 access to their finances. If your SACCO can’t deliver that, they’ll find one that can. Our virtual banking system closes that gap, giving your members seamless digital access while reducing your branch costs and driving new revenue streams.


More than 50 SACCOs and 700,000 members across Africa rely on our platform every day.

Three Virtual Banking Channels. One Integrated Platform.

Three Virtual Banking Channels. One Integrated Platform.

Choose one, two, or all three, fully customized for your SACCO’s operations.

M-SACCO mobile banking system

Trusted by 50+ SACCOs and 700,000 members, M-SACCO puts your SACCO’s full range of services in your members’ hands, via a branded mobile app and USSD, so even members without smartphones can participate.

Best for SACCOs looking to reduce branch congestion, increase transaction revenues, and improve member satisfaction scores.

Core-Cash Agency Banking System

Agency banking extends your SACCO’s reach beyond your branches,  through a network of vetted local agents who deliver your services directly to communities you can’t yet serve.

It’s the most cost-effective way to grow your membership base and reach the last mile.

Best for SACCOs targeting rural or underserved communities, and those looking to grow memberships without opening new branches.

Internet Banking System

Give your members a full-featured online banking experience through a fast, secure internet banking platform. Whether they’re on a smartphone, tablet, or desktop, your members get the same seamless experience,  anywhere in the world.

Best for SACCOs with tech-savvy member bases, diaspora members or those looking to offer a premium digital service experience.

Why 50+ SACCOs Chose Our Virtual Banking Solutions

Why 50+ SACCOs Chose Our Virtual Banking Solutions

We Customize, Not Just Configure

Every SACCO is different. We don't hand you a generic product, we map our solution to your operations, workflows and long-term growth goals before a single line of code is deployed.

We Manage the Full Implementation

From system setup and data migration to UAT and go-live, our team handles everything with a clear, tested process. No guessing. No delays.

We Train Every User

Your ICT team, branch staff, and agents all receive role-specific, hands-on training from our certified functional consultants. Your team goes live confident, not confused.

We Support You When It Matters

Our support team responds fast and resolves faster. All hands on deck, every time.

We Customize, Not Just Configure

Every SACCO is different. We don't hand you a generic product, we map our solution to your operations, workflows and long-term growth goals before a single line of code is deployed.

We Manage the Full Implementation

From system setup and data migration to UAT and go-live, our team handles everything with a clear, tested process. No guessing. No delays.

We Train Every User

Your ICT team, branch staff, and agents all receive role-specific, hands-on training from our certified functional consultants. Your team goes live confident, not confused.

We Support You When It Matters

Our support team responds fast and resolves faster. All hands on deck, every time.

Virtual Banking Solutions Trusted by Leading SACCOs Across Africa.

Virtual Banking Solutions Trusted by Leading SACCOs Across Africa.

50+ SACCOs Served. 700,000+ Active Members. 3 Integrated Virtual Banking Channels. 20+ Years Serving the SACCO Sector

Microsoft dynamics implementation
M-SACCO mobile banking system
Capital Sacco software
M-SACCO mobile banking system
Fortitude Sacco software
KMA Sacco
Finnlemm Sacco using microsoft dynamics implemented by coretec
Coretec solutions africa provides Dynamics 365 Business Central to Waumini sacco
Microsoft dynamics implementation
M-SACCO mobile banking system
Capital Sacco software
M-SACCO mobile banking system
Fortitude Sacco software
KMA Sacco
Finnlemm Sacco using microsoft dynamics implemented by coretec
Coretec solutions africa provides Dynamics 365 Business Central to Waumini sacco

What SACCO Leaders Say About Our Virtual Banking Solutions

What SACCO Leaders Say About Our Virtual Banking Solutions

Sam OluochICT Manager- Fortitude Sacco
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M-SACCO has rid members on transport cost. When we were using the former system before we adopted CoopMIS, those earning salaries at FOSA had to travel to Sacco offices to access their salaries. Currently, they withdraw on their phones using M-SACCO.

This is a plus because there is no overcrowding in the banking hall when paying salaries and the tellers workload has been reduced.
Innocent NdeteiICT Manager- Ukristo na Ufanisi Sacco
Read More
The Sacco has enabled members to access mobile loans more often at their convenience. During the recent Member education, a Gen Z shared how the faster mobile loan disbursement helped him purchase movie tickets in time. This case highlighted how the digital transformation directly impacted livelihoods.

HOW WE WORK

Simple Process To Implement Your Virtual Banking System

Understand Your Challenges

We will discuss with you to understand the challenges facing your SACCO and your goals for the SACCO.

System Demo

We conduct a practical and interactive demo of our system, to show you how you can solve the challenges and achieve the SACCOs objectives using the system

System Implementation

After you are fully convinced that we are your best partners and approved by relevant authorities, we start implementing the system. 

Training & Support

Your team will be trained on how to use the system to achieve their tasks.

From here, we will also start giving you the full support you need in regards to the system

Frequently Asked Questions

Frequently Asked Questions

A virtual banking system for SACCOs is a digital platform that allows your SACCO to deliver financial services, including mobile banking, agency banking and internet banking to members without requiring physical branch visits. It reduces operating costs while giving members 24/7 access to their accounts and transactions.

Implementation timelines vary by SACCO size and the number of channels deployed. Our team will give you a clear project plan with milestones during your discovery session.

Yes. Our virtual banking solutions are designed to integrate with major SACCO core banking and management systems. We'll assess your current setup during discovery.

Our solutions are built with SACCO regulatory compliance in mind, including relevant Central Banks and SACCO regulatory body requirements in the markets we serve.

We provide ongoing technical support, system updates, and access to our functional consultants. SACCOs are never left to figure things out alone after launch.

Request A Discovery Session

Request A Discovery Session