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Fintech Software Development in Kenya

We build secure, scalable financial technology solutions for banks, SACCOs, microfinance institutions, and fintech startups. From M-Pesa integration to full mobile banking platforms, we power Kenya's financial innovation.

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Trusted by financial institutions across Kenya

CBK

Compliant Systems

PCI DSS

Security Standards

M-Pesa

API Integration

99.9%

System Uptime

Kenya: Africa's Fintech Hub

Kenya leads Africa in financial technology innovation. With M-Pesa revolutionizing mobile money and a tech-savvy population, the opportunity for fintech solutions is enormous. We help you capitalize on this market.

83%

Mobile Money Penetration

67M+

Mobile Subscriptions

$70B+

Annual Mobile Money Transactions

200+

Fintech Startups

Who We Work With

  • Commercial Banks

    Digital banking platforms, mobile apps, and core banking integrations.

  • SACCOs and Cooperatives

    Member management, loan processing, and mobile SACCO apps.

  • Microfinance Institutions

    Lending platforms, credit scoring, and collection management.

  • Fintech Startups

    MVP development, payment integration, and rapid scaling.

  • Merchants and Retailers

    Payment acceptance, POS systems, and e-commerce integration.

Fintech Solutions We Build

Comprehensive financial technology solutions for the Kenyan market

Mobile Banking Apps

Full-featured mobile banking applications for iOS and Android. Account management, transfers, bill payments, loan applications, and card controls in one secure app.

  • Account balance and statements
  • Internal and external transfers
  • Bill payments and airtime purchase
  • Biometric authentication
M-Pesa Integration

Seamless integration with Safaricom's Daraja API for all M-Pesa services. Accept payments, disburse funds, and process transactions programmatically.

  • C2B (Customer to Business)
  • B2C (Business to Customer)
  • B2B (Business to Business)
  • STK Push (Lipa Na M-Pesa)
Payment Gateways

Secure payment processing for websites and applications. Accept M-Pesa, cards, bank transfers, and international payments in one unified gateway.

  • Multi-channel payment acceptance
  • Real-time transaction processing
  • Fraud detection and prevention
  • Settlement and reconciliation
Lending Platforms

Digital lending solutions from application to disbursement. Automated credit scoring, loan origination, and collection management for fast, efficient lending.

  • Online loan applications
  • Automated credit scoring
  • Instant disbursement via M-Pesa
  • Collection and recovery tools
Digital Wallets

White-label digital wallet solutions for businesses. Enable customers to store value, make payments, and transfer money within your ecosystem.

  • Wallet top-up and withdrawal
  • P2P transfers
  • Merchant payments
  • Rewards and loyalty points
SACCO Management Systems

Complete SACCO software for member management, savings, loans, and dividends. SASRA-compliant systems for efficient cooperative operations.

  • Member registration and KYC
  • Savings and deposits management
  • Loan processing and guarantors
  • Dividend calculation and distribution

Security and Regulatory Compliance

Financial software demands the highest security standards. We build systems that protect your customers and meet all regulatory requirements.

End-to-End Encryption

All data encrypted in transit and at rest using industry-standard protocols.

Multi-Factor Authentication

Biometrics, OTP, and device binding for secure access control.

Fraud Detection

Real-time transaction monitoring and anomaly detection.

Audit Trails

Complete logging of all transactions and system access.

Regulatory Compliance

Our fintech solutions comply with:

  • Central Bank of Kenya (CBK)

    Banking and payment service provider regulations and guidelines.

  • SASRA Requirements

    SACCO Societies Regulatory Authority compliance for cooperatives.

  • PCI DSS

    Payment Card Industry Data Security Standard for card processing.

  • Kenya Data Protection Act

    Full compliance with customer data protection requirements.

Integration Capabilities

We integrate with the key financial infrastructure in Kenya

M-Pesa

Airtel Money

Visa/Mastercard

RTGS/EFT

IPRS (KYC)

Credit Bureaus

Frequently Asked Questions

Common questions about fintech software development in Kenya. Have a specific question? Contact us directly.

Ask Us Anything

Fintech software costs vary based on complexity and regulatory requirements. Basic M-Pesa integration starts around KES 300,000 to KES 500,000. A complete payment gateway costs KES 1,500,000 to KES 4,000,000. Mobile banking apps range from KES 3,000,000 to KES 10,000,000. Comprehensive lending platforms with credit scoring can cost KES 5,000,000 to KES 15,000,000 or more. We provide detailed quotes after requirements analysis.

Basic M-Pesa integration (STK Push for payments) takes 1-2 weeks of development. Full integration with C2B, B2C, B2B, and account balance queries takes 3-4 weeks. The timeline includes Safaricom approval processes which can add 1-2 weeks. We handle the entire integration process including Daraja API registration and testing.

While we don't provide legal or licensing advice, we build software that meets CBK technical requirements. Our systems include proper KYC/AML procedures, transaction monitoring, reporting capabilities, and security controls that regulators expect. We work with your compliance team to ensure the software supports all regulatory requirements.

Yes, we build custom credit scoring models tailored to your lending criteria. We integrate with credit reference bureaus (TransUnion, Metropol, Creditinfo) and can incorporate alternative data sources like mobile money history, social signals, and business data. Our models can be rule-based or use machine learning depending on your data and requirements.

Ready to Build Your Fintech Solution?

Let us discuss how custom financial software can drive growth for your business.

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