Originate, assess, disburse, and collect — all from one platform. Built for microfinance banks, cooperatives, and digital lenders.
Total Deposits
₦2.4B
+12.3%
Active Loans
3,847
+8.7%
Customers
24,519
+15.2%
Loan Approved
₦2,500,000 · Just now
Portfolio Quality
PAR: 2.1% ↓
Trusted by licensed financial institutions
10+
Licensed Institutions
₦5B+
Transactions Processed
50K+
End Users Served
99.9%
Platform Uptime
Platform
A complete, modular banking platform that covers core banking, lending, savings, payments, and regulatory compliance — all in one place.
Deposits, withdrawals, general ledger, multi-currency accounts, interest computation, and automated end-of-day processing.
Loan origination, credit scoring, approval workflows, disbursement, repayment schedules, and automated collections.
Goal-based savings, fixed deposits, group savings (Ajo/Esusu), automated interest calculation, and maturity management.
CBN regulatory reports, IFRS 9 provisioning, KYC/AML verification, audit trails, and maker-checker workflows.
Why bankOS
Most MFBs spend 12-18 months and millions of naira building custom systems that are outdated before they launch. bankOS gives you a proven, battle-tested platform in weeks.
Pre-built modules for every banking operation. Configure, don't code. Launch faster than any custom build.
Built to meet Nigerian regulatory requirements. Automated CBN returns, KYC verification, and full audit trails.
No server management, no dev team needed. One predictable monthly fee covers everything.
Each institution gets their own secure, isolated environment. We handle updates, backups, and scaling.
4 weeks
Average time to go live
90%
Reduction in operational costs
Zero
Infrastructure to manage
Lending Lifecycle
Origination
Digital applications, document upload, BVN/NIN verification
Credit Assessment
Bureau checks, scoring models, risk analysis
Approval & Disbursement
Maker-checker workflow, instant bank transfer
Collection & Recovery
Automated reminders, debit mandates, restructuring
Lending Engine
Process hundreds of loan applications daily with automated credit checks, configurable approval workflows, and intelligent collection strategies.
Solutions
Whether you're a licensed microfinance bank, a cooperative society, or a digital lender — bankOS adapts to your operations.
Full CBN compliance, general ledger, regulatory reporting, branch management, and customer onboarding for licensed MFBs.
Group lending, thrift savings, member management, dividend computation, and share capital tracking for cooperative societies.
High-velocity loan processing, API-first architecture, automated credit scoring, and instant disbursement for digital lending platforms.
Security & Compliance
Your institution's data security and regulatory standing are non-negotiable. We built bankOS with that in mind from day one.
Fully aligned with CBN regulatory framework for microfinance banks.
All data encrypted at rest and in transit with bank-grade TLS encryption.
BVN, NIN, and document verification integrated into onboarding.
Secure data handling with encrypted storage, access controls, and privacy-first architecture.
Dual-authorization for all sensitive operations. Full audit trail on every action.
Granular permissions. Every user sees only what they need. Nothing more.
Integrations
bankOS integrates with the services your institution depends on — payments, identity verification, credit bureaus, and notifications.
NIBSS
Payments
FirstCentral
Credit Bureau
Email/SMS
Notifications
Termii
SMS/OTP
CRC
Credit Bureau
BVN/NIN
Identity
“bankOS transformed how we operate. What used to take our team 3 days to process now happens in 30 minutes. Our loan portfolio has grown 4x since we migrated.”
Managing Director
Licensed Microfinance Bank, Lagos
Get Started
Book a 30-minute demo to see how bankOS can transform your institution. No commitment, no pressure — just a clear picture of what's possible.
Call us
+234 xxx xxx xxxx
Email us
hello@bankostest.com.ng
Visit us
Lagos, Nigeria