MIFOS Core Banking
Loans, savings, term deposits, multi-branch operations and regulatory reporting on an open-source core platform.
Discover MIFOSWhether you are a credit union, a tier-2 MFI, a commercial bank or a fintech — digiKUNTZ has a solution that fits.
Beyond core banking — the complete toolbox that modern financial institutions need.

Smartphone-friendly KYC capture, ID verification, selfie liveness check and watchlist screening — open an account in less than 5 minutes.

Real-time transaction scoring, rule-based alerts and case management for compliance officers to investigate and report.

Branded Android & iOS apps for your customers — balance, transfers, bill pay, mobile-money cash-in / cash-out.

Equip your field agents with mobile apps to register customers, take deposits and pay withdrawals across the country.

Pre-configured BEAC / COBAC reports, prudential ratios, statistical returns and audit-friendly archives.

Expose your products to partners and fintechs through secure OAuth2 APIs. Be the platform — not just a counter.
Spotty connectivity, mobile-money dominance, cash-heavy economies, evolving regulations: African financial institutions face a unique set of challenges. Our solutions were designed from day one to operate in these environments.

Numbers that speak for themselves.

Microfinance institutions running on digiKUNTZ platforms.

Account holders served daily through our deployments.

Guaranteed by contractual SLA, measured over 12 months.

Premium SLAs with on-site response options.
Banking projects rarely fail on the technology — they fail on adoption, change management and operational readiness. That's why our engagements always go beyond software delivery.
We work hand-in-hand with your leadership, branch managers and IT teams to define the operating model, train the people and build the playbooks that make the platform stick.

Our banking-tech consultants are available for an exploratory discussion — under NDA if you wish — to understand your priorities and propose a tailored roadmap.

What leaders of financial institutions most often ask us.
Yes. Our banking platforms ship with pre-configured prudential reports, statistical returns and audit-friendly archives aligned with CEMAC regulations.
Both. You can run on our Cameroonian data centres (Douala & Yaoundé), on MTN Business Cloud through our ISNOV partnership, or on your own hardware.
Yes — we have built integrations to several legacy core banking platforms. Our open APIs make it straightforward to add digital channels on top.
From contract signature to live operations: 8 to 12 weeks for cooperatives, 4 to 6 months for tier-2 MFIs, 9 to 18 months for tier-1 banks.
Absolutely. Role-based training is part of every engagement, with optional bootcamps, certifications and refresher sessions.
Most engagements combine a one-time implementation fee, a monthly subscription per branch / per user, and pay-per-use fees for specific services (SMS, MoMo, etc.).
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