Felmu CBS, the system of record for your bank.
A complete core banking system. It handles customer onboarding and KYC, teller cash, cheques, lending, cards, treasury and the end-of-day close. It runs reliably on modest hardware, entirely inside your own data centre.
Your whole branch on one screen.
Deposits, tills, cheques, approvals and end-of-day progress, updated live for every branch manager.
Branch operations
Deposits vs withdrawals · last 20 days (KES M)
End-of-day checklist
- Teller tills declared 6/8
- Cheques cleared 32
- Standing orders run 118
- Fixed deposit maturities running…
- Interest accrual
- Branch metrics published
Recent transactions
| Ref | Customer | Type | Amount | Status |
|---|---|---|---|---|
| TX-88214 | WM Wanjiru Mwangi | Cash deposit | KES 45,000 | Posted |
| TX-88213 | OL Otieno Logistics Ltd | RTGS out | USD 12,400 | Awaiting checker |
| TX-88212 | AK Amina Kassim | Cheque lodged | KES 128,500 | On hold · clearing |
| TX-88211 | BN Banda Farms | Loan repayment | ZMW 9,800 | Posted |
| TX-88210 | PK Peter Kiprono | M-Pesa to account | KES 3,200 | Posted |
Screens show sample data.
Everything a bank runs on, in one system
All the modules post to the same ledger and follow the same roles, limits and audit trail.
Customers & KYC
Guided onboarding with KYC checklists, client groups, and a single view of each customer's accounts, loans and activity.
Current & savings accounts
Current, savings and fixed-deposit products, set up from a catalogue you control. Cheque books, minimum balances, credit interest, maturities and early-break penalties are all covered.
Multi-currency
Each product has its own currency (ZMW, USD, GBP, EUR, ZAR and others). Ledger and available balances are never mixed across currencies.
Teller & cash
Opening and closing tills, cash declarations, deposits and withdrawals, balance controls and cash management for the branch.
Cheques
Issue cheque books, lodge incoming cheques, then clear or return them. Funds stay on hold until the cheque clears, and you can print bankers' cheques.
Lending
Loan products, applications, two-person approvals, disbursement, repayment schedules, repayments and promises to pay.
Cards & channels
Card management, chargebacks, mobile money, and ready-made links to mobile wallets and payment switches.
Treasury & FX
FX conversions, deals and rates, plus fixed deposits, standing orders, direct debits, holds and stop payments.
Finance & admin
General ledger, chart of accounts, budgets, procurement, payroll, HR and fixed assets, along with branches, users, roles and audit.
Reliable where it counts
- End-of-day you can rely on. The system closes the day by itself, matures deposits and publishes branch results, so nobody has to stay late.
- Two-person approval throughout. Loans, account opening and sensitive changes need a second person to sign off, and all of it goes into the audit log.
- Customer portal included. Clients can check balances, get statements and make requests without you running a separate project.
- Ready for analytics. It works with MicroLens AI out of the box, which adds insight, early warnings and board reporting on the same data.
The essentials
| Who it's for | Commercial banks, microfinance banks and SACCOs |
| Where it runs | Your own data centre or a private cloud, whichever you prefer |
| Currencies | Multi-currency (ZMW, USD, GBP, EUR, ZAR and more) |
| Security | Staff roles, two-person approvals and a full audit trail |
| Customer channels | Customer portal, mobile money and cards |
| Daily close | Automatic end-of-day with branch performance reports |
| Works with | MicroLens AI for insight and early warning |
Watch Felmu CBS run a full banking day.
We'll open an account, handle teller cash, clear a cheque, disburse a loan and run end-of-day. Live, in under an hour.