Built on more than a decade of fieldwork, MIFOS combines proven banking workflows with the flexibility African MFIs need.
Configurable loan products (group, individual, agricultural), interest calculation methods, penalty rules and dynamic repayment schedules.
Pre-configured regulatory reports for Central African banking supervision, audit trails and statutory submissions.
Native connectors to MTN Mobile Money and Orange Money: collections, disbursements and reconciliation without manual rekeying.
Multi-branch hierarchies, agent kiosks and field officer mobile apps so you can serve clients anywhere, even offline.
Document verification, watchlist screening and customisable credit scoring engines drive smarter underwriting decisions.
RESTful APIs let you integrate with your existing apps — accounting, payroll, customer portals and third-party data sources.
Legacy banking systems are expensive to maintain and slow to evolve. MIFOS replaces them with an open architecture that grows with your institution — without sacrificing the reliability your regulators demand.
Our migration playbook keeps your data, transactions and customers safe throughout the transition. Run MIFOS in parallel with your existing system until you are 100% confident, then switch over in a single weekend.
A risk-managed approach refined alongside Central-African MFIs.
Business process review, product catalogue mapping and gap analysis.
Loan & savings products set up, chart of accounts and regulatory mappings.
Secure data migration with reconciled balances and parallel-run validation.
Cut-over weekend, intensive on-site support and ongoing optimisation.
Solutions tailored to credit unions, cooperatives and EMF tier-2 / tier-1 institutions.
Banking systems live or die by trust. MIFOS deployments managed by digiKUNTZ include AES-256 data encryption, role-based access control, dual-control approvals, immutable audit trails and PCI-aligned hosting environments.
Our banking-tech specialists are available for a confidential consultation. We will map your current operations and recommend a roadmap that fits your budget and growth plan.
The most common questions asked by microfinance and banking leaders.
Yes. MIFOS powers institutions ranging from village savings groups to commercial banks with millions of customers. Our Enterprise Bank package is designed for high-volume environments.
MIFOS is open source, which means no per-user licence fee, full source-code ownership and a vibrant global community of contributors. You avoid vendor lock-in completely.
Absolutely. MIFOS supports multi-currency accounts, FX rate management and currency-specific reporting — perfect for cross-border operations in the CEMAC zone.
We pre-configure BEAC / COBAC report templates, including prudential ratios and statistical returns. Custom reports for other regulators are available on request.
Cooperative migrations average 8 to 12 weeks. Enterprise migrations are phased over 6 to 12 months with parallel-run validation at each milestone.
Yes — tellers, loan officers, branch managers and administrators each receive role-specific training, with refresher sessions available throughout the support contract.
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