Built for Nigerian microfinance since 2006
The cloud core banking platform your institution can actually run on
Tellers, savings, loans, transfers and the general ledger in one balanced system, with an Android app for field officers and maker-checker on every approval. Live in one week. From ₦30,000 a month.
- 20
- Years in microfinance
- 13
- Live solutions
- 1
- Week to go-live
- ₦30k
- Per month, from
Why institutions switch
The desktop era is ending for a reason
Most microfinance institutions in Nigeria still run on one PC, a spreadsheet or a manual ledger. The symptoms are familiar.
Field collections leak
Cash collected in the market is written in a notebook and posted hours or days later, if at all.
Month-end takes weeks
Trial balances do not agree, interest and charges are computed by hand, returns are assembled from several files.
Branches cannot see each other
Head office waits for emailed reports; a customer can only be served where the account was opened.
A single PC is the bank
When it fails, or the person who knows the password leaves, operations stop.
Solutions
Every module of a modern core, in one balanced system
Customers, tellers, deposits, loans, transfers, the general ledger, reporting, alerts and an API. Each solution is a page; roadmap items are marked honestly.
Core Banking Solution
The branch banking core: customer profiles with any number of accounts, account opening with approval, teller cash deposit and withdrawal, tills and vault control, balance enquiry and statements.
Learn more →Transaction Processing
Real-time posting for cash, transfers, multi-credit and multi-debit batches, standing orders and bulk charges, hardened against duplicates, retries and concurrent tellers.
Learn more →General Ledger (Financial Accounting)
Chart of accounts, journals with approval and reversal, trial balance, balance sheet and profit and loss for any period, bank reconciliation, expenses and period closure.
Learn more →Credit & Loan Solution
Flat-rate and reducing-balance loan products, application to disbursement workflow with maker-checker, amortised schedules, guarantors, manual and automatic repayment, offset and arrears monitoring.
Learn more →Digital Field Application
An Android app for field officers and marketers: customer search, balance and ledger enquiry, field deposits and withdrawals, transfer batches, journals and approvals, all submitted for supervisor approval.
Learn more →Digital field application
Collections in the market, approved at the branch, posted the same day
Field officers record deposits and withdrawals on Android against the customer's account. The batch waits for a supervisor. Nothing double-posts on a weak signal, and a leaver's access ends the moment they are deactivated.
- Same login, permissions and maker-checker as the web
- Idempotent submissions and same-day duplicate detection
- Balance and ledger enquiry for any customer
- Supervisors approve loans and expenses on the move
Who it is for
Built for the way Nigerian institutions actually operate
Microfinance Institutions
Full branch banking for licensed MFIs and other deposit-taking institutions
See how →Cooperatives, Thrift & Daily Contribution
Shares, savings, welfare and ajo contributions tracked to target
See how →Fintech & Consumer Lenders
A loan engine with direct debit, credit checks and an API
See how →Controls a regulator expects
Books that balance by construction
Every customer posting has a general ledger counter-leg. Every approval needs a second officer. Every action is on the audit log.
Maker-checker everywhere
Loans, journals, expenses, batches and account openings.
Full audit trail
Every login and posting against a named officer; reversals, never deletions.
Closed periods
No user and no setting can post into a closed month.
Your own database
One isolated database per institution, exportable at any time.
Transparent pricing
No licence lump sum. No surprises.
Transparent subscription pricing with no licence lump sum. Every plan includes hosting, daily backups, updates and support. Prices exclude VAT.
Starter
Single-branch MFIs, cooperatives and thrift collectors going digital for the first time
₦30,000 / month
₦300,000 per year (2 months free) · ₦350,000 one-off implementation
- Branches
- 1
- Users
- 10
- Customers
- Up to 5,000
Growth
Multi-branch MFIs and lenders with field officers on the road
₦50,000 / month
₦500,000 per year (2 months free) · ₦600,000 one-off implementation
- Branches
- Up to 3
- Users
- 30
- Customers
- Up to 25,000
Enterprise
State and national MFIs, cooperatives with many outlets and fintech lenders at scale
₦80,000 / month
₦800,000 per year (2 months free) · ₦1,200,000 one-off implementation
- Branches
- Unlimited
- Users
- Unlimited
- Customers
- Unlimited
Implementation
Live in one week, with your data and your staff trained
We provision your institution, set up your products, migrate your customers with balances, train every role and run in parallel before go-live, all inside one week. Two weeks of hyper-care follow.
See the one-week plan- Day 1Provisioning and configuration
- Day 2Data migration
- Day 3Training
- Day 4Parallel run
- Day 5Go-live
- Weeks 2-3Hyper-care
Insights
From the team
Cloud banking · 12 Sep 2026
Why Nigerian microfinance institutions are moving from desktop software to cloud core banking
The PC in the branch is the bank. When it fails, or the person who knows the password leaves, operations stop. Here is what changes when the...
Read →
Operations · 9 Sep 2026
Field collection leakage: how it happens and how to stop it
Cash collected in the market and written in a notebook is the most common source of loss in daily-contribution and microfinance operations....
Read →
Finance · 6 Sep 2026
Closing the month in a day: what a balanced core banking system makes possible
If the trial balance does not agree, month-end becomes a hunt. If every customer posting has a general ledger counter-leg by construction, i...
Read →FAQ
Questions institutions ask first
What is Zenus Banking Pro?
Zenus Banking Pro is cloud core banking software for microfinance institutions, cooperatives, thrift collectors and fintech lenders in Nigeria. It covers customers, tellers, savings and deposit products, loans, transfers, the general ledger, reports, alerts and an Android app for field officers, with maker-checker controls and a full audit trail.
Who owns our data?
Your institution does. It sits in a database used only by you, and you can request a full export at any time, including on exit.
What happens when the internet goes down?
Postings already made are safe. Tellers resume when the connection returns; a retried submission is recognised and never posted twice. Field batches are captured on the phone and submitted for approval when there is signal.
Who can see our data?
Only your staff, according to the permissions your administrator sets. Our support engineers access an institution's database only for a support request you have raised, and every such access is logged.
Do we need any hardware?
A laptop or desktop with a modern browser per counter, an Android phone per field officer and an internet connection. A receipt printer is optional.
Can we host it ourselves?
A self-hosted licence is available on request for institutions whose policy requires it.
See Zenus Banking Pro on your own numbers
A live demonstration on a sandbox with sample data, then a free two-day data assessment for a fixed go-live date.
Prefer WhatsApp? Chat with us