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BANKING OPERATIONS
Every customer touchpoint, every transaction type.
From opening a customer's first Wadiah savings account to disbursing a Murabaha facility via a field agent — Banking Operations is the layer your front-office, teller, and agent network runs on.
Book a demoCustomer Onboarding & KYC
- Three-tier KYC (Tier 1: basic, Tier 2: BVN-verified, Tier 3: full NIN + address)
- BVN verification via NIBSS
- NIN verification via NIMC
- Biometric capture support
- KYC upgrade workflow with checker approval
- Customer deduplication check on onboarding
Account Management
- Wadiah Yad Dhamanah (demand deposit)
- Mudarabah investment accounts
- Youth and minor savings accounts
- Joint accounts
- Account dormancy detection and reactivation
- Mandate and signatory management
Esusu & Group Banking
- Group constitution and member registration
- Rotating savings cycle management
- Automatic disbursement to rotation recipient
- Variable and fixed contribution support
- Group loan facilities (Musharakah structure)
- Field officer collection tracking
Teller Operations
- Cash deposit and withdrawal
- Teller session open and close
- Cash count and vault reconciliation
- Over-the-counter NIP initiation
- Till limit enforcement
- Maker-checker for teller transactions above threshold
NIP & Interbank Transfers
- NIBSS NIP real-time outward transfers
- Inward NIP credit posting
- NIP return handling
- NEFT and other interbank channels
- Transaction limit controls per customer tier
- Bulk payment processing
Agent & Field Banking
- Agent onboarding and KYC
- Agent portal (web-based)
- Offline transaction queueing
- Geo-tagged field collections
- Agent cash-in / cash-out reconciliation
- Agent commission ledger