Everything in one place
Credit
28 products across logbook, trade finance, import finance, fleet, payroll, education, BNPL, solar, and credit builder. AI decision in under 2 minutes.
Soko Marketplace
RFQ bidding, live auctions, SCF invoice discounting, vehicle imports, group procurement, and revenue-share financing for traders and suppliers.
Insurance
Motor, health, life, funeral, income protection, trade-credit, and NDVI parametric cover for smallholder farmers. Instant quotes, M-Pesa binding.
Investment & Wealth
Retail DCM bonds, money market funds, government securities (T-bills, T-bonds), and a forex conversion surface for diaspora borrowers.
Savings
Easy-access, goal-based, fixed deposit, emergency fund, and junior savings accounts. Up to 9% pa yield. Instant deposits from wallet.
Business Banking
Professional invoicing with automatic VAT, P&L reports from Daftari till data, payroll with PAYE/NHIF/NSSF computation, and stock attestation.
Choose your surface
Borrower App
Apply for credit, track your loan, make repayments, manage your wallet, shop on Soko, and access insurance — all from your phone or USSD.
- ✓Credit applications & loan management
- ✓M-Pesa repayments & wallet
- ✓Soko marketplace & Daftari ledger
- ✓Insurance quotes & savings accounts
- ✓Works on any phone via *200#
Officer Console
Full loan management system for credit officers. Underwriting queue, fraud review, pipeline analytics, GL, and portfolio management.
- ✓Kanban underwriting queue & scoring
- ✓Fraud analysis & counterfactuals
- ✓GL journal, trial balance & period close
- ✓Officer Inbox with bulk assignment
- ✓Soko RFQ management & auctions
Executive Portal
Business condition dashboard for CEO, CFO, COO, CRO, and the board. P&L, risk, treasury, capital adequacy, and strategy OKRs.
- ✓P&L, balance sheet & cash flow
- ✓ECL, NPL trending & stress tests
- ✓Treasury, FX exposure & liquidity
- ✓Investor relations & board pack PDF
- ✓Strategy OKRs & per-cluster rollup
CBK examiners access the read-only evidence portal at Examiner Portal →
From application to M-Pesa
Apply in minutes
Complete a digital application from your phone. No branch visit. No physical documents.
AI underwriting
SME score, bureau check, NTSA VCAM, and sector index feed a decision engine. Answer in under 2 minutes for standard products.
M-Pesa instantly
Approved loans disburse to your M-Pesa within 24 hours. Track every step live via OTP-authenticated status.