Everything your
institution needs.

One platform that covers what SACCOs actually need: core accounts, mobile banking, M-PESA, agent networks, compliance reporting, and analytics without needing a different vendor for each.

Core Banking Mobile Banking Power BI ERP Agency Banking CRM & SMS ATM Bridge SASRA Compliance
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fobo_platform.live
LIVE

Members

47,291

+2.4%

Loans Active

12,840

+8.1%

Today's Txns

KES 4.2M

+12%

M-PESA Flow KES 12.4M
Loan Repayments KES 8.1M
Agent Network KES 5.6M

Recent Transactions

21

M-8821

Loan Disbursement

KES 50,000
90

M-3390

Share Deposit

KES 5,000
05

M-1105

Loan Repayment

KES 12,400
99.99%
Platform Uptime
500K+
Members Served
< 2s
Loan Disbursement
KES 50B+
Transaction Volume
What We Offer

Comprehensive Financial Solutions

Built for DT-SACCOs, credit unions, microfinance, and cooperative banks across Africa.

Core

Core Banking System

Real-time ledger, share capital management, member deposits, loan tracking, and dividend engine with multi-currency support.

  • SACCO-specific workflows
  • Automated interest & fees
  • Audit trail & SASRA readiness
Mobile

Mobile & Internet Banking

USSD, native apps, M-PESA integration, and web portal for members to check balances, apply loans, and make payments.

  • M-PESA / Airtel Money bridge
  • Agent banking interface
  • Biometric login support
Analytics

Business Intelligence

Real-time Power BI dashboards, member insights, portfolio health, liquidity tracking, and custom SASRA reports.

  • Predictive loan default alerts
  • Member 360° segmentation
  • Automated regulatory returns
Management

ERP Solutions

Integrated HR, payroll, procurement, fixed assets, and financial management for cooperatives.

  • Budget and expense control
  • Member dividend processing
  • Multi-branch support
Network

Agency & ATM Bridge

Extend financial access via agent network (cash-in/out) and connect ATMs for withdrawals and balance inquiries.

  • Real-time agent commissions
  • ISO8583 compliant switch
  • Offline resilience mode
Engagement

CRM & Bulk SMS

Member relationship management, support ticketing, and bulk SMS campaigns for loan reminders and promotions.

  • Automated loan reminders
  • Two-way USSD support
  • Campaign analytics
Feedback

Survey Solution

Member satisfaction surveys, market research tools, and feedback collection for data-informed decisions.

  • In-app & USSD surveys
  • NPS tracking
  • Segmented targeting
Custom

Need something bespoke?

Our engineering team builds custom integrations and workflows for unique institutional requirements.

Talk to our team
FAQ

Frequently asked questions

How long does implementation take?
Most of our clients go live in 6 to 12 weeks. The variable is usually data: how clean your member records are and how far back you want transaction history migrated. We assign one person from our team to yours for the whole process, not a ticketing queue. We provide dedicated onboarding specialists and training.
Does the platform integrate with M-PESA?
Yes, C2B and B2C. Members deposit via M-PESA paybill and it posts to their FOBO account in seconds. Loan repayments work the same way. We also support Airtel Money and can hook into most bank APIs if your SACCO works across channels.
Is the platform SASRA compliant?
Yes. Monthly, quarterly, and annual SASRA returns are compiled automatically from live data, no month-end scramble. Capital adequacy ratios update as transactions post, and audit trails are locked: no one can edit or delete a posted entry.
Can we customize loan products?
Yes. We've configured development loans, emergency loans, salary-checkoff, group guarantee, and Islamic (murabaha) structures. You define the interest method, repayment frequency, penalties, and grace periods — no code changes needed.
// Transform your SACCO today

Ready to modernize?

Let's build the future of cooperative banking together. Talk to our team or request a personalized demo.

Book a Call →