The Future of Core Banking is Here
Enterprise-grade banking platform with AI-powered fraud detection, voice biometric authentication, real-time AML compliance, and institutional-grade share capital management — built for banks, SACCOs, and investment groups across Africa.
Enterprise Dashboard
Monitor every metric that matters — from transaction volumes and risk scores to branch performance and regulatory compliance — all in a single, unified view.
Built-In Analytics Engine
No external BI tool required. VoxID BankCore ships with institutional-grade analytics covering every dimension of your banking operations.
Monthly Transaction Volume
Billions KES — Last 12 months
Channel Distribution
Transaction volume by channel
Risk Scoring Distribution
VoxID AI-powered risk classification
Loan Portfolio Breakdown
Total portfolio: KES 6.8B across 5 product lines
VoxID Identity Shield
Every transaction is screened in real-time by our proprietary VoxID engine. It combines voice biometric authentication, AI-driven behavioral analysis, and multi-layered fraud detection to protect your institution.
Voice Biometric Verification
Unique voiceprint authentication for high-value transactions with 99.97% accuracy
Real-Time AML/CFT Screening
Automated sanctions screening, PEP checks, and suspicious activity detection
Salami-Slicing Detection
AI detects micro-fraud patterns across thousands of accounts simultaneously
Auto-Block & Escalation
High-risk transactions are automatically blocked and escalated to compliance officers
21 Integrated Modules
Every module a bank, SACCO, or investment group needs — deeply integrated, not bolted on.
Deposits & Withdrawals
Multi-channel transaction processing — teller, mobile, agent, ATM, and cheque. Auto fee calculation with VoxID risk screening on every transaction.
Loan Portfolio Management
End-to-end loan lifecycle — origination, disbursement, repayment tracking, NPL monitoring, provisioning, and write-off workflows.
Share Capital Management
SACCO-grade share registry with digital certificates, dividend workflows, premium PDF certificates with QR verification, and approval queues.
General Ledger
Double-entry accounting with automated journal posting, period close workflows, GL review, trial balance, and multi-currency support.
Customer 360° CRM
Unified customer view across all products — KYC documents, transaction history, risk profile, communications, and relationship scoring.
VoxID Risk Engine
AI-powered risk scoring with voice biometrics, behavioral analytics, fraud detection, AML screening, and real-time compliance decisions.
Regulatory Reporting
Auto-generated CBK, CMA, and SASRA regulatory reports. IFRS 9 provisioning, capital adequacy ratios, and prudential return automation.
Multi-Branch Operations
Centralized control with per-branch dashboards, inter-branch transfers, consolidated reporting, and branch-level P&L.
Statement Generation
Real-time account statements, bulk exports, scheduled email delivery, PDF/CSV/Excel formats, and branded statement templates.
Approval Workflows
Role-based multi-tier approval queues with SLA monitoring, escalation rules, audit trails, and configurable approval matrices.
Reconciliation Engine
Automated 3-way reconciliation — core banking, mobile money, and bank statements. Exception handling with drill-down investigation.
Product Configuration
Flexible product factory — define interest rates, fee structures, tenor rules, and eligibility criteria. Launch new products in minutes.
Audit & Compliance
Immutable audit trails for every transaction, login, and configuration change. SOC 2 Type II certified with continuous monitoring.
API Gateway
RESTful APIs for mobile banking, USSD, third-party integrations. OAuth 2.0, rate limiting, and comprehensive API documentation.
Infrastructure
Cloud-native deployment on GCP/AWS. 99.997% uptime SLA, auto-scaling, disaster recovery, and 256-bit AES encryption at rest.
Share Certificates
Digital share certificates with PDF generation, QR code verification, immutable storage, blockchain-grade integrity hashing.
Dividend Management
Automated dividend calculation, distribution workflows, tax withholding, and member notification with detailed payout reports.
SLA Monitoring
Real-time SLA dashboard tracking approval turnaround, transaction processing times, and system response latency.
Real-Time Notifications
Multi-channel notifications — SMS, email, in-app push. Transaction alerts, approval requests, and compliance notifications.
SACCO Management
Purpose-built for SACCOs — FOSA/BOSA management, member shares, guarantor management, and SASRA compliance.
Member Portal
Self-service portal for members — account balances, loan applications, share purchases, statement downloads, and profile management.
Built for Scale & Security
Frontend
- React 19 + TanStack Start
- Tailwind CSS v4
- Server-Side Rendering
- Edge-deployed via Cloudflare
- PWA-ready with offline support
Backend
- PostgreSQL (Supabase)
- Row-Level Security (RLS)
- Edge Functions
- Real-time subscriptions
- Server Functions with validation
Security
- 256-bit AES encryption
- VoxID voice biometrics
- RBAC with policy enforcement
- Immutable audit logs
- SOC 2 + ISO 27001 certified
Enterprise-Grade Performance
Transparent Enterprise Pricing
Starter
For small SACCOs and micro-finance institutions
- Up to 5,000 accounts
- 3 branch locations
- Core banking modules
- Email support
- Monthly reporting
Professional
For mid-size banks and investment groups
- Up to 50,000 accounts
- Unlimited branches
- All 21 modules
- VoxID risk engine
- 24/7 priority support
- Real-time analytics
Enterprise
For tier-1 banks and large financial groups
- Unlimited accounts
- Dedicated infrastructure
- Custom integrations
- On-premise option
- Dedicated account team
- SLA guarantee
- White-label option
Frequently Asked Questions
Ready to Transform Your Institution?
Join 50+ financial institutions across East Africa already running on VoxID BankCore Enterprise Edition.