Kenya’s Leading Mobile Banking Software Company for SACCOs

Redian Software is Kenya's leading mobile banking software company for SACCOs, deploying member-facing banking apps for cooperative societies, microfinance institutions and credit unions across East Africa. Our mobile banking platform for SACCOs runs on native iOS and Android, integrates with your core banking system and M-Pesa, and handles the SACCO-specific mechanics — share capital, dividends, group loans, member voting — that generic bank apps ignore.

Built for SACCOs, not for banks

A retail bank's mobile app doesn't work for a SACCO. Members expect:

• Share capital and dividend visibility — real-time share balance, projected dividend, contribution history
• Group and joint-liability loans — visibility across the group, member-to-member repayment, guarantor tracking
• Member communications — AGM notices, board announcements, dividend declarations
• Multi-account per member — savings, shares, junior savings, education fund, funeral fund, welfare fund
• Front office replacement — deposits, withdrawals, transfers and standing orders without visiting the branch

Redian's mobile banking platform for SACCOs delivers all of the above out of the box, with the option to configure to your specific product catalogue.

What the platform includes

• Native iOS and Android apps with your branding, published under your Apple/Google developer accounts
• USSD channel for feature-phone members and rural outreach
• Member self-service — balance enquiry, mini-statements, funds transfer, loan application, standing orders, cheque book requests
• M-Pesa integration — direct deposits, withdrawals, loan repayments, share purchases, dividend disbursement
• Loan management — application, tracking, repayment schedule, guarantor visibility, joint-liability groups
• Alerts and notifications — SMS + push for transactions, dues, dividend declarations, AGM notices
• Biometric authentication — fingerprint and Face ID for member device trust
• Multi-lingual — English, Swahili, and local dialects on request

Integrations built in

• Core banking systems — Redian's own core plus third-party cores common in Kenya
• M-Pesa Daraja API — B2C, C2B, STK Push, and reversal handling
• Credit Reference Bureaus — Metropol, CRB Africa, TransUnion Kenya
• National ID and IPRS — Kenya identity verification
• Bill aggregators and utility providers — KPLC, Nairobi Water, DSTV, GOtv

Regulatory posture

• SASRA compliance — SACCO Societies Regulatory Authority reporting, prudential returns
• CBK guidance — where SACCOs bridge into banking rails via agent banking or PesaLink
• Data protection — Kenya Data Protection Act 2019, member consent management

Why Redian

• East Africa specialist — Nairobi delivery hub with SACCO engagements across Kenya, Uganda, Tanzania, Rwanda
• Zoho Emerging Partner of the Year 2024 — East Africa
• CMMI Level 3 Appraised delivery — mature process for regulated finance
• Loan Management System for SACCOs — pairs with the mobile app for full loan-book automation
• Try our LMS free at lms.rediansoftware.com with sample SACCO data

Ready to launch your SACCO mobile app?

Talk to our BFSI team with your member count, product catalogue and go-live target — we'll scope a proposal within one business day.