Finance & Integration

Core banking and mobile money, actually talking to each other

MifosX/Fineract implementation, bank API integration, and MTN MoMo, Airtel Money and ClickPesa payment flows — reconciled, automated and built for how SACCOs really operate.

Core banking and mobile money, actually talking to each other

Trusted by teams building on Fineract, ERPNext and mobile money rails

SACCO Networks
Regional Clinics
Retail Groups
Field Service Teams
Lending Institutions
School Networks
What's included

What's included in Finance Systems Integration

MifosX/Fineract implementation, bank API integration, and MTN MoMo, Airtel Money and ClickPesa payment flows — reconciled, automated and built for how SACCOs really operate.

MifosX / Fineract implementation

Core banking setup for savings, loans, shares and member management on Apache Fineract/MifosX.

Mobile money integration

MTN MoMo, Airtel Money and ClickPesa wired directly into loan disbursement and collection.

Bank API integration

Direct integration with bank APIs for transfers, statements and reconciliation.

USSD payment reconciliation

Automated matching of USSD and mobile money transactions against ledger entries.

ESS & loan lifecycle integration

Employer/self-service portals connected to the full Fineract loan lifecycle — new loans, top-ups, restructuring, repayments.

Compliance & audit trail

Transaction logging and reconciliation reporting built for financial audit requirements.

Built by people who've shipped this exact integration
Deep East African fintech experience

Built by people who've shipped this exact integration

This is our deepest specialty: SACCO and microfinance platforms integrating MifosX/Fineract core banking with MTN MoMo, Airtel Money and ClickPesa, including USSD payment reconciliation and full loan-lifecycle automation.

We've built ESS-to-Fineract integrations covering new loans, top-ups, restructuring, takeovers, repayments and cancellations — tested with comprehensive automated test suites, not just manually verified.

  • MifosX/Fineract loan lifecycle: origination through repayment and restructuring
  • MTN MoMo, Airtel Money, ClickPesa and USSD deep-link flows
  • Automated reconciliation between mobile money, bank and ledger records
How we work

How we deliver finance systems integration

A clear, staged approach so you always know what's next.

01

Systems mapping

We document every system currently touching money: core banking, mobile money, bank accounts, spreadsheets.

02

Integration design

We design the data flow and reconciliation logic between each system.

03

Build & test

We build the integration with a simulator and test suite before touching production funds.

04

Go-live & reconcile

We go live with close monitoring and a defined reconciliation process.

ERPNextFrappeMifosXFineractMTN MoMoAirtel MoneyM-PesaClickPesaReactNode.jsAndroidKotlinAzureWindows ServerDockerMySQLPostgreSQLSocket.IOWebRTCWhatsApp APIERPNextFrappeMifosXFineractMTN MoMoAirtel MoneyM-PesaClickPesaReactNode.jsAndroidKotlinAzureWindows ServerDockerMySQLPostgreSQLSocket.IOWebRTCWhatsApp API
FAQ

Finance Systems Integration — frequently asked questions

Still have questions? Talk to our team →

Yes, MifosX is built on Apache Fineract and we work at both levels — standard configuration and custom API integration.

Yes, this is one of our core, hands-on integration areas, including reconciliation between ClickPesa and Fineract/MifosX.

Yes, including USSD deep-link payment flows and SMS-relay confirmation for both networks.

We build with in-memory and simulator-based test suites covering the full transaction lifecycle before any integration touches production funds.
Related

Related services & solutions

Ready when you are

Let's talk about finance systems integration

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