Microfinance
Choose deposit-taking or credit-only microfinance, with customer onboarding, individual and group lending, centres, collections and portfolio oversight.
Turn360Bank
One banking core.
Configured for your business.
Core banking vertically configured for microfinance, SACCOs, digital banks, retail banks, asset lenders and digital lenders. Bring accounts, fast loan origination, payments, collections and your ledger together, with 100+ custom modules around your operations.
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One platform.
Six vertical configurations.
Turn360Bank combines comprehensive core banking capabilities with 100+ custom modules. Configure products, terminology, roles, workflows and reporting around your vertical and jurisdiction.
Choose the configuration for your institution, then refine the operating rules, integrations and customer experience. Your back-office and customer channels work from the same ledger.
Choose your vertical.
SACCOs
Bring member shares, dividends, FOSA/BOSA savings, guarantor rules and committee approvals into one configuration.
Digital banks
Align accounts, payments and customer self-service with a digital operating model.
Retail banks
Configure deposit and lending products, branch operations, staff permissions and financial reporting.
Asset lenders
Configure asset-backed and logbook lending, with a per-loan asset registry, repayment terms, servicing workflows and portfolio reporting.
Digital lenders
Configure unsecured digital credit, scoring-driven decisions, origination, disbursements, repayments and customer access.
From product setup to collections.
100+ custom modules support the work across your institution. These are some of the capabilities your team can bring into its configured workspace.
Fast product setup
Create account, savings and loan products from one catalogue. Set interest methods, repayment terms, fees, charges and accounting mappings, then make products available to your team.
Fast loan origination
Select the customer and product, preview the repayment schedule, submit for approval and disburse. Manage pending applications and approvals from dedicated work queues.
Customers, groups & centres
Capture KYC and identity documents, activate customers and manage their accounts from one record. Support group lending, joint-liability groups, centres and member rolls where your profile requires them.
Accounts & deposits
Open and manage savings, current and fixed-deposit products according to your profile. Configure interest, account tiers, charges and transaction rules, with FOSA/BOSA accounts for SACCOs.
Loan servicing & collections
Run collections, generate amounts due and record repayments. Manage schedules, rescheduling, arrears and portfolio risk, with individual and group collection workflows.
Teller tills & cash
Allocate opening float, handle teller transactions and track cash takings. Settle tills at close with the approval controls and branch accounting your operations need.
Payments & transfers
Move money between accounts, repay loans from savings and manage P2P transfers. Schedule standing orders and collect recurring payments through direct-debit mandates.
Mobile money & cards
Connect mobile-money collections and payouts through M-Pesa, MTN, Airtel and PesaLink integrations. Issue debit, prepaid or credit cards through a connected processor.
Payroll & check-off
Manage employers, salary distribution and payroll deductions. Apply employer-remittance-based check-off repayments and keep deductions connected to customer accounts.
Credit lines & loan offers
Manage revolving credit, drawdowns and conversion to term loans. Configure pre-approved campaigns and customer credit limits for eligible lending products.
Shares & dividends
Enable share capital and dividend workflows in the SACCO profile. Calculate share-days-weighted allocations, review member breakdowns and retain board-approved payout history.
Accounting & reconciliation
Work from double-entry journals, branch general ledgers and reconciliation tools. Trace transactions to their accounting entries and review the financial position across your operations.
Reporting & provisions
Review portfolio-at-risk and financial reports, manage IFRS 9 provisions and export statutory returns configured for your jurisdiction. Generate branded savings and loan statements.
Notifications & engagement
Reach customers through SMS, WhatsApp, email, push and in-app notifications for account activity and servicing. Configure delivery channels around your customer experience.
Institution administration
Manage branches, staff, roles, approval limits, currencies, bank holidays and account numbering. Configure access levels, IP allowlists and account tiers, with bulk imports, data migration and customer branding.
Fixed assets
Maintain an institutional asset register and depreciation schedules alongside your banking operations.
Two experiences.
One source of truth.
For your operations team
A task-first dashboard for collections, approvals, pending disbursements, tills and onboarding. Move straight into the work, with customer, savings, loan and portfolio-risk figures in view.
For your customers & members
A portal under your institution’s brand, accessible on phone or computer. Customers can view their accounts, outstanding loans, upcoming payments and statements, with the experience configured around your products.
For connected payments
Connect mobile-money collections and payouts, account transfers and card issuance through payment providers. Notify customers by SMS, WhatsApp, email, push or in-app messages, with providers and charges agreed for your deployment.
Accountability built
into daily operations.
- Maker-checker approvals for money movements.
- Separate roles for origination, approval, cash handling and read-only access.
- Audit records that identify the acting user and IP address.
- Optional two-factor step-up authentication on approvals.
- Balanced double-entry postings across customer transactions.
- Configurable approval limits, access levels and IP allowlists.
Your brand. Your data. Your deployment.
Hosted for you
We host and maintain the platform so your team can focus on serving customers. Agree support, backups and operating responsibilities during scoping.
Run on your infrastructure
Choose a self-hosted deployment where infrastructure and data location are under your control, with an annual licence and an agreed support plan.
A clear path to go-live.
01
Scope & configure
Confirm your vertical, products, lending rules, roles, jurisdiction and branding.
02
Migrate & reconcile
Bring customer records, accounts and outstanding balances onto the ledger and reconcile them against your books.
03
Train & run in parallel
Train your operations and approval teams, then compare figures with your current process before cutover.
04
Go live & grow
Launch the back-office and customer portal, with support and additional integrations agreed around your needs.
Pricing shaped around your institution.
We quote against customer numbers, products, branches, integrations and deployment choice. Configuration, migration and training are scoped upfront; payment and messaging provider fees are identified separately.
Discuss your requirementsTurn360Bank
See your institution’s day, end to end.
Walk through the core banking platform with our team. Bring your vertical, product rules and reporting needs; we will map the configuration to your operations.
Book a walkthrough