New MicroLens AI: ask your loan book questions in plain English →

We give the advice.Then we build it.

Felmu Associates is a team of consultants and software engineers in Nairobi. We help organisations sort out their strategy, technology, people and risk. Then we build, install and run the banking, ERP and learning systems that keep those changes in place.

Runs on your own servers or in the cloud M-Pesa and KRA eTIMS already built in 24/7 support once you're live

Who we work with

Commercial banks Microfinance & SACCOs Forex bureaus Fintechs FMCG distribution Schools (CBE & Cambridge) Pharmacies Hospitality NGOs Manufacturing Clearing & forwarding Property Retail Audit firms Commercial banks Microfinance & SACCOs Forex bureaus Fintechs FMCG distribution Schools (CBE & Cambridge) Pharmacies Hospitality NGOs Manufacturing Clearing & forwarding Property Retail Audit firms
Why projects stall

Most change programmes stall between the strategy deck and the server room.

If you've been through one, you'll probably recognise at least one of these.

Advice with no delivery

The consultants present their findings and leave. Nobody turns the plan into a process that people actually follow.

Software that doesn't fit

Imported systems don't handle M-Pesa, eTIMS or Kenyan payroll, and they don't match the way business is really done here.

Vendors who disappear after launch

Once the system is live, adoption slows, the data gets messy, and nobody takes responsibility for the result.

We handle all of it as one partner, from the first diagnosis to a working system that we keep supporting.

How we work →

Made for the places people actually work.

Banking halls, boardrooms, warehouses, classrooms, pharmacies and forex counters. We design our systems around the people who use them all day.

Leadership team in a boardroom workshop
Boardrooms
Warehouse aisles stacked with stock
Warehouses
Teacher leading a classroom lesson
Classrooms
Pharmacist picking medicine from a shelf
Pharmacies
Checking currency rates on a phone
Forex counters
Server racks in a data centre
Your data centre
Advisory

Four practices, one aim: results you can measure.

We help organisations adjust to a market that keeps shifting. Our consultants have run these systems themselves, so the advice comes from knowing how things work day to day.

01

Digital Transformation

We look at your digital strategy and at what your IT spending is actually returning. Then we set out a realistic plan for running more of the business digitally.

  • Digital strategy review
  • ICT investment audit
  • Process automation
  • Cloud and on-premise roadmap
Outcome: digital operations that pay for themselves
02

Strategy Transformation

We stress-test your strategy and check your corporate plans against the market as it is today.

Outcome: a strategy that holds up in practice
03

Human Capital

Operating models for hybrid work, staff wellbeing and skills development, so your people come through the change in good shape.

Outcome: teams that lead the change
04

Risk, Compliance & Revenue Leakage

We measure your risk exposure, close compliance gaps and find the small revenue leaks that eat into margins. The controls we put in place stand up to an audit.

  • Risk exposure review
  • Compliance gap analysis
  • Revenue leakage audit
  • Audit-ready controls
Outcome: margins protected, regulators satisfied
20+
Years of consulting leadership between us
6
Products we built and support ourselves
3
Countries where our systems are live
24/7
Support for systems that can't go down
Our software

Six products, built for businesses in Africa.

We build every one of them ourselves, and they're all in production. Each runs on your own servers or in the cloud, and each is set up for the way business works in the region.

Felmu CBS · Banking

Core banking, from account opening to end-of-day.

The system your bank runs on every day: customers and KYC, current, savings and fixed-deposit accounts in several currencies, teller cash, cheques, lending, cards, treasury and FX, and a customer portal. The day closes automatically once business ends.

  • Current & savings accounts
  • Teller & tills
  • Full lending suite
  • Cards & mobile money
  • Maker-checker approvals
  • Customer portal
Customer paying from a wallet and phone
Banking
Current · ZMW128,400.00
Savings · USD9,210.55
Fixed depositMatures 12 Oct
Teller till #4End-of-day pending
Loan #L-0482Approved
MicroLens AI · Banking intelligence

Ask your loan book anything.

MicroLens reads your loan and deposit data and answers questions about it in plain English. You get early-warning risk scores with the reasons behind them, PAR forecasts, and a board pack drafted from your real figures. It runs on your own servers, so the data never leaves the building.

  • Plain-English questions
  • Explainable risk scores
  • Client 360
  • PAR forecasts
  • Drafted board packs
  • Read-only access
Analyst working on a laptop
AI, on your servers
“Which branches have PAR > 5%?”
Risk radar3 critical
Board packAI-written
VortexERP · Distribution

ERP for companies that move stock.

A complete ERP that grew up in FMCG distribution. It covers inventory and warehousing, procurement, fleet and route planning, CRM, point of sale, the general ledger, bank reconciliation and Kenyan statutory payroll. On top of that you get analytics and monthly financial reports written in plain language.

  • Fleet & route planning
  • Warehouse management
  • Finance & accounting
  • PAYE / NSSF / SHA payroll
  • CRM & POS
  • Analytics and forecasting
Warehouse staff moving through aisles
ERP for distribution
Route 4 · KajiadoIn transit
Warehouse picks212 today
Bank reconciliationBalanced
Payroll · PAYE/NSSF/SHADue 9th
VortexERP Lite · Online, 11+ industries

One platform for many kinds of business.

Each business switches on the industry module it needs: schools (CBE and Cambridge), forex bureaus, garages, manufacturing, audit firms, NGOs, hotels and restaurants, clearing and forwarding, pharmacies, property or retail. Most are sending invoices the same week they sign up.

  • 11+ industry modules
  • Online subscription
  • KRA eTIMS invoices
  • M-Pesa payments
  • Help on every screen
  • Up and running in days
Shop owner checking his phone at the counter
11+ industries
School · CBE & CambridgeLive
Pharmacy · Hospitality · NGOLive
KRA eTIMS invoice QRFiscalised
M-Pesa paymentsIntegrated
Felmu Loyalty · Rewards

A rewards programme your regulator can live with.

Loyalty built for financial institutions: membership tiers, earning rules you can configure, a points ledger and redemptions. Changes need two people to approve them, staff sign in in two steps, and the audit trail can't be edited. Customers sign up and check their points on a simple phone app.

  • Tiers & points
  • Two-person approvals
  • Two-step sign-in
  • Tamper-proof audit trail
  • Customer phone app
  • Staff roles
Customer using a smartphone
Loyalty & rewards
Member · Gold tier12,450 pts
FX transaction earn+320 pts
Config changeAwaiting approval
Audit logTamper-proof
Felmu Learn · Learning

Training people can take anywhere.

A corporate learning portal with courses, enrolments, badges and team management for learners, managers and consultants. Video transcripts are written automatically, the reporting is detailed, and the app keeps working when the connection drops.

  • Courses & badges
  • Team dashboards
  • Learning reports
  • Automatic transcripts
  • Works offline
  • A view for each role
Trainer presenting to a group
Learning
Credit Analysis 10178% complete
Video transcriptionAuto (AI)
Badge earnedRisk Fundamentals
Works offlineYes
Why Felmu

Consultants who also build.

We started Felmu because we kept seeing the same thing. Advice on its own rarely changes an organisation, but working software does. So we do both, and we don't leave after launch.

Felmu consultants working alongside a client team

We won't hand you a slide deck and disappear. We stay to build, install and support the systems your plans depend on.

The Felmu team

We share the risk

When we recommend something, we also bring the people and the software to make it happen.

Made for this region

M-Pesa, KRA eTIMS, the CBE curriculum and Kenyan statutory payroll have been built into the products from the start.

Your own servers, if you want

Regulated clients can run every Felmu product entirely inside their own data centre.

One team to call

Strategy, build, installation and 24/7 support all come from the same people.

How we work

From diagnosis to a working system.

Every engagement, advisory or software, follows the same four steps.

Diagnose

We test the strategy, map your processes, and put numbers on the risk and the lost revenue. We don't work from generic templates.

→ Findings and a business case

Design

We work out the target operating model and the system design together with your leadership team.

→ Blueprint and roadmap

Deploy

We set up the platform on your servers or in the cloud, move your data across and train your staff.

→ A live system and a trained team

Drive

We support the system, track how it's used and keep improving it. We stay accountable for how well it's used and what it delivers, long after launch day.

→ Adoption and results, measured
FAQ

Questions we hear a lot.

Got a different question? Ask us directly →

Can we run Felmu software entirely on our own servers?

Yes. Every Felmu product can run inside your own data centre, which lets regulated institutions keep full control of their data. Cloud and private-cloud setups are available too.

How soon can we see a demo?

Usually within a few days. We can show any product using your data, in your own boardroom. For example, we can run a full banking day on Felmu CBS in under an hour.

Do you sell software or consulting?

Both, and that's deliberate. Our advisory practices (digital, strategy, human capital, and risk and compliance) work out what needs to change. Our software and delivery teams put it in place and keep it running.

Is the software set up for Kenya and the region?

Yes, properly. M-Pesa payments, KRA eTIMS, the CBE curriculum and Kenyan statutory payroll (PAYE, NSSF, SHA) are built in. Felmu CBS also handles accounts in several currencies, including ZMW, USD, GBP, EUR and ZAR.

What happens after go-live?

We stay involved. Live systems get 24/7 support, and in the Drive phase we track adoption and results so the investment keeps paying off.

Where do you work?

Our office is in Nairobi. We work with clients across Africa and have systems live in three countries.

Try it on your own data.

We can demo any product on this page with your data, in your boardroom, within a few days. You'll see the actual system working.

Contact

Tell us what isn't working.

Strategy, systems, people or risk. Describe the problem and we'll come back with a concrete next step.

Office

Nairobi, Kenya

Hours

Mon to Fri, 8:00 to 17:30 EAT

Nairobi city skyline
Based in Nairobi, working across Africa
We reply within one business day.Tell us what you're trying to achieve and we'll suggest a sensible first step.

Book a demo or a call

It takes about a minute.

Or email us directly at info@felmu.com.