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A complete core banking system for SACCOs, microfinance & banks

FelmuCBS runs a financial institution end to end — member savings and current accounts, loans, teller and cash, treasury and FX — on one bank-grade, double-entry ledger, with maker-checker controls, a full audit trail and multi-branch built in.

Savings & loansTeller & cashBank-grade GLMaker-checker controls
Bankers running savings, loans and the ledger on the FelmuCBS core banking dashboard
The banking core

Everything a financial institution runs on

Members, savings & current accounts

Full CASA — member and customer accounts, savings and current, interest calculation, standing instructions and statements.

Loans, end to end

Origination, appraisal, disbursement, repayments and interest — with every movement posted to the ledger automatically.

Teller & cash management

Tills, vaults and cash-in-transit across every branch, with cash movements controlled, reconciled and never double-counted.

Treasury & foreign exchange

Nostro positions, FX dealing and revaluation — kept clean against the general ledger, not bolted on.

End-of-day processing

Automated end-of-day batch runs interest accruals, charges and postings reliably, every night.

Maker-checker & segregation of duties

Every sensitive action is dual-controlled, with segregation of duties enforced across the institution.

Bank-grade accounting

One real ledger — no bolt-on ERP

Customer deposits and loans stay in their subledgers; the institution's own books run on a full double-entry general ledger that reconciles to them.

Double-entry general ledger

A full chart of accounts with cost centres and dimensions, accounting periods, soft and hard close, and year-end — one ledger for the whole institution.

Procure-to-pay

Vendors, RFQ, purchase orders and commitments, goods receipt, three-way-matched invoices and controlled payment runs.

Assets, inventory & budgets

Fixed assets and work-in-progress, stores inventory, and budgets with commitment control.

Reconciliation & reporting

Bank, nostro and control-account reconciliation, plus trial balance, P&L, balance sheet, cash flow and management packs.

Built for institutions

Controls, trust and scale

Full audit trail & documents

A complete, tamper-evident audit trail, document management and locked, sequential numbering.

Role-based access

Fine-grained permissions and ready-made role packs — each officer sees exactly what their job needs.

Multi-branch, multi-currency

Run many branches and currencies on one system, with inter-branch handled properly — deployed in Kenya and Zambia.

Management & regulatory reporting

A reporting framework for management packs and the regulatory returns your central bank expects.

FAQ

Questions people ask

Who is FelmuCBS for?

SACCOs, microfinance institutions and banks. It runs the whole institution end to end.

What does FelmuCBS cover?

Member savings and current accounts, loans, teller and cash, treasury and FX, a double-entry general ledger, and maker-checker controls, multi-branch and multi-currency.

Can it run on our own servers?

Yes — FelmuCBS deploys on-premise or in the cloud, and is in use in Kenya and Zambia.

How is it different from MicroLens AI?

FelmuCBS is the system of record that runs the accounts and ledger; MicroLens AI analyses the data for credit-risk intelligence on top. Many institutions use both.

Ready to see FelmuCBS on your institution's numbers?

Book a walkthrough with the team — savings, loans, teller, treasury and the ledger, on a system built for SACCOs, microfinance institutions and banks.

Request a demo