Executive summary
A commercial bank in Cameroon was running on a green-screen legacy core with no real digital channels. Redian Software delivered a full modernisation programme — Core Banking + Internet Banking + Mobile Banking (iOS/Android) + Agency Banking on a unified data layer — in 9 months. The platform now serves 250,000+ active customers with real-time regulator reporting and 60% lower cost-to-serve.
About the client
A commercial bank operating in Cameroon, serving retail and SME customers across branches and a growing agent network. Strategic priority: modernise to compete with newer digital banks entering the market.
The challenge
The legacy core was a product-launch bottleneck — new offerings took quarters to ship, reconciliation between core and any channel was manual, and there was no mobile banking offering at all. Regulator reporting required overnight batch jobs. Cost-to-serve was rising faster than account growth.
- Legacy green-screen core inhibiting product launch
- Manual reconciliations between core and channels
- No mobile banking offering
Our approach
Redian deployed our Redian Core Banking platform configured for multi-currency, multi-product operation, then layered internet, mobile (iOS + Android) and agency banking on a unified data layer. Every channel reads from and writes to the same source of truth — no reconciliation drift. Phased cutover with parallel-run safety net kept the bank operating during the switch.
What we built
- Redian Core Banking with multi-currency, multi-product config
- Mobile banking (Android, iOS) and internet banking
- Agency banking for last-mile distribution
- Unified data layer across channels
Implementation
- 01Discovery — regulator review, target architecture, product roadmap mapping
- 02Build — Redian Core Banking platform configured for multi-currency, multi-product operation
- 03Channels — mobile (iOS + Android), internet, agency banking on unified data layer
- 04Migrate — data, customer records and balances from legacy green-screen core
- 05Parallel-run cutover — both systems live with reconciliation before final switch
- 06Run — 24×7 production support with SLA-backed incident response
Outcomes & impact
- 250,000+ active customers post-launch
- 60% reduction in cost-to-serve
- New product launch in 2 weeks (previously 4 months)
- Real-time regulator reporting
“Core, mobile, agency and internet banking — live in nine months. The regulator was happy. The Redian team understood our workflows from day one.”
Chief Technology Officer
Commercial Bank · Cameroon
Technology stack
The platforms, frameworks and tools behind this engagement — grouped by role.
- Languages & Backend
- JavaSpring BootKotlinSwift
- Frameworks
- React
- Data
- PostgreSQLKafka
- Cloud & Infrastructure
- AWS
Why this matters
Mid-tier banks in Africa face a structural choice: keep paying the tax of a legacy core or modernise into a position where new products take weeks, not quarters. The cost-to-serve advantage doesn't show up in year one — it compounds across every new channel, product and regulatory ask.
What this unlocked
The bank now launches new products in two weeks instead of four months, reports to the regulator in real time, and operates agency banking across regions on the same data layer as branches. Cost-to-serve dropped 60%. The platform is ready for the next 250,000 customers.
Related expertise
We deliver core banking modernisations for SACCOs, microfinance institutions and commercial banks across Africa, India and the Middle East. See our loan management and mobile banking modules for adjacent capabilities.
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