SikaNet CBS
Enterprise core banking for Ghanaian banks, Susu companies, microfinance, rural banks, and credit unions. 72 platform areas, 1,500+ features. Built on GhIPSS rails, integrated with MoMo, e-zwich, and Ghana Card.
72
Platform areas
1,500+
Sub-features
10M+
Daily transactions
99.9%
Uptime SLA
Who we serve
Built for Ghana's financial institutions.
From GCB to the smallest rural bank, from commercial banks to Susu collectors — SikaNet CBS adapts to how Ghana actually banks.
Commercial Banks
200+ · Branches supported
Multi-branch, multi-entity, multi-currency.
Full retail, SME, corporate, and treasury banking across every branch, with consolidated group reporting and BOG statutory filings.
- Multi-till teller, vault, and CIT management per branch
- Retail, corporate, and treasury products in one GL
- RTGS, GIP, gh-link, and SWIFT settlement ready
Susu Companies
200+ · Collectors per deploy
Field collection that doesn't lose a pesewa.
Offline-first mobile app for collectors, real-time float tracking, automated commissions, and instant SMS receipts. Aligned with GCSCA practices.
- Collectors work offline — syncs automatically on network
- Float issued, tracked, and reconciled in real time
- Daily, weekly, and monthly Susu cycles with auto-payout
Microfinance Institutions
500+ · Groups per branch
Group lending without spreadsheets.
Solidarity groups, joint liability, VSLA cycles, and collective repayment — designed for how microfinance actually works in Ghana.
- Group formation, joint liability, and VSLA cycles
- Mobile field collection and loan disbursement
- Portfolio at Risk (PAR) and aging analysis per BOG
Credit Unions
5k · Members per union
Member services from day one.
Member-centric savings, share capital, welfare funds, and annual dividend distribution — everything a CUA-affiliated cooperative needs.
- Share capital, savings, and welfare in one member profile
- Dividend calculation and distribution workflow
- Member voting eligibility and AGM reporting
Rural & Community Banks
140+ · Rural banks
Banking for the last mile.
Built for ARB Apex Bank affiliates serving communities across all 16 regions of Ghana.
- e-zwich biometric card integration
- Low-bandwidth mode for poor connectivity areas
- Apex Bank reporting and consolidation
Islamic Banking
6 · Sharia product types
Sharia-compliant products, fully modelled.
Murabaha, Ijara, Musharakah, and profit-sharing models with Sharia board approval workflows and profit distribution engines.
- Murabaha, Ijara, Mudarabah, Musharakah products
- Profit-sharing ratio configuration per product
- Sharia board review and approval workflow
Platform capability
Twelve pillars.
One core.
Every capability below is a real, shipped module — not a roadmap slide. Together they cover the entire lifecycle of a financial institution.
72
Platform areas
1,500+
Sub-features
12
Core pillars
Core Banking Foundation
The engine underneath everything.
Real-time transaction processing, universal ledger, arrangement engine, product factory, and 24/7 architecture. Immutable financial history with no direct balance manipulation — ever.
- Universal ledger with double-entry posting
- Arrangement engine (customer → product → account → components)
- Product factory with versioning and simulation
- Real-time + batch processing with idempotency
- Financial periods (EOD / EOM / EOY) and immutability guarantees
Institution & Multi-Tenancy
Run one institution or a hundred.
Multi-institution, multi-entity, multi-brand, multi-region, multi-country. Branch hierarchy, business units, operational calendars, and institution-level overrides down to branch level.
- Multi-tenant with isolated data per institution
- Branch, department, and region hierarchy
- Per-institution calendars, holidays, and working hours
- Multi-legal-entity and multi-brand support
- Granular organization-level permissions
Customer & KYC
From onboarding to 360° view.
Individual, business, corporate, and SME customers. Full KYC/CDD/EDD workflow, Ghana Card verification, PEP and sanctions screening, and a unified Customer 360 view across every account and relationship.
- Ghana Card and national ID verification
- Tiered KYC, EDD, and periodic refresh
- PEP, sanctions, and adverse media screening
- Customer 360 across accounts, loans, cards, and cases
- Corporate readiness — beneficial ownership, mandates, signatories
Deposits, Savings & Shares
Every account type your customers need.
Current accounts, savings, fixed/term deposits, Susu, and share capital with dividends. Interest engine handles flat, reducing balance, tiered, and variable rates with daily accrual and capitalization.
- Current, savings, fixed, and recurring deposits
- Susu, group savings, and VSLA support
- Share capital, dividends, and shareholder reporting
- Interest engine — accrual, capitalization, overrides
- Dormancy, account lifecycle, and joint mandates
Loans & Credit
Origination to recovery.
Full credit lifecycle — application, assessment, approval, disbursement, repayment, restructuring, write-off, and recovery. AI-assisted credit scoring with human override. PAR 30/60/90 and IFRS 9 staging built in.
- Loan origination with maker-checker approvals
- Credit scoring with bureau integration
- Flat, reducing balance, daily, and monthly interest
- Collateral registry and guarantor tracking
- PAR analysis, restructuring, and write-off workflow
Payments & Rails
Every rail Ghana uses.
GhIPSS Instant Pay, gh-link, GhQR, e-zwich, mobile money interoperability, ACH, SWIFT, and card schemes. Payment orchestration layer handles routing, failover, retry, and reconciliation.
- GhIPSS Instant Pay (GIP) — 24/7 real-time transfers
- MTN MoMo, Telecel Cash, AT Money, Zeepay, GhanaPay
- gh-link, Visa, Mastercard issuance and processing
- Payment orchestration with failover and retries
- E-Levy and GRA remittance automation
Digital Channels
Reach every customer.
Native Android (Kotlin + Compose) and iOS (Swift + SwiftUI) apps, internet banking, USSD, agent portal, self-service kiosks, and open APIs for fintechs and aggregators.
- Native iOS and Android apps with biometrics
- Internet banking for retail and corporate
- USSD banking for feature phones
- Agent portal and self-service kiosk modes
- Open REST APIs for third-party developers
Cash & Branch Operations
Teller to vault to field.
Multi-till tellers, vault management, cash-in-transit, branch accounting, and inter-branch transfers. Field collectors use an offline-first mobile app with GPS tracking and supervisor reconciliation.
- Multi-till tellers with supervisor approvals
- Vault, cash-in-transit, and dual control
- Branch accounting and inter-branch clearing
- Offline field collection with encrypted storage
- Real-time float tracking and reconciliation
Risk, Compliance & Security
BOG-ready from day one.
AML/CFT monitoring, fraud detection, sanctions screening, regulatory reporting, and audit. Central IAM with MFA, biometrics, device binding, and zero-trust network architecture.
- AML/CFT with automated STR filing
- Real-time fraud detection and behavioral analysis
- BOG regulatory returns — capital, liquidity, NPL
- Central IAM with RBAC, MFA, and PAM
- Immutable audit trail with access logging
Reporting & Intelligence
Every report. Every dashboard.
Financial, regulatory, branch, teller, and portfolio reporting — plus BI with data warehouse, real-time analytics, custom report builder, and scheduled delivery in Excel or PDF.
- Balance sheet, P&L, cash flow, and trial balance
- BOG returns in statutory formats
- Custom report builder with scheduling
- Data warehouse with historical analytics
- Executive dashboards and KPI tracking
AI & Decision Support
Assisted, not autonomous.
Credit scoring, default prediction, fraud detection, cash forecasting, churn prediction, and portfolio analytics. AI recommendations always subject to deterministic rules and human authorization.
- AI-assisted credit scoring with human override
- Default and churn prediction models
- Cash and liquidity forecasting
- Collection strategy optimization
- Natural-language analytics for management
Migration & Enterprise Platform
Replace legacy without chaos.
Migration engine with data extraction, transformation, rehearsal, and rollback. Legacy coexistence mode runs old and new systems in parallel. Plus workflow/BPM, document management, HR, and entitlements.
- Legacy data mapping and migration rehearsal
- Parallel run and cutover management
- Legacy coexistence and decommissioning support
- Enterprise workflow/BPM with approval chains
- Document management, HR, and licensing
Susu, VSLA & field collection, done right.
The only CBS with first-class Susu and VSLA support. Offline-first mobile app, real-time float tracking, SMS receipts, and automated commissions.
Field Collector Routes
Assign collectors to zones and routes. Track daily collection targets and live progress per officer.
Offline-First Mobile App
Collectors record transactions offline — syncs automatically when network returns. No lost collections.
Daily & Weekly Cycles
Configurable Susu cycles per customer or group. Automated maturity, payout, and rollover.
Collector Float Management
Issue, track, and reconcile cash float per collector. Prevent theft and drift with real-time limits.
Instant SMS Receipts
Every collection triggers an SMS receipt to the customer and a real-time record in the core.
Commission Engine
Automatic commission calculation per collector based on collections, targets, and portfolio performance.
VSLA & Village Savings
Group formation, share purchase, social fund, loan fund, and annual share-out — for VSLAs across northern Ghana.
Meeting & Cycle Management
Meeting dates, attendance, minutes, share value, and cycle close with automated share-out calculations.
Payment rails
Every payment rail Ghana uses.
GhIPSS Instant Pay, gh-link, GhQR, e-zwich, mobile money interoperability, ACH — all native to SikaNet CBS.
GhIPSS Instant Pay (GIP)
Real-time interbank transfers 24/7 including weekends and holidays. Instant settlement to any bank or wallet.
Mobile Money Rails
Direct integration with MTN MoMo, Telecel Cash, AT Money, G-Money, Zeepay, and GhanaPay.
gh-link Domestic Card
Accept Ghana's national EMV card scheme for ATM, POS, and online payments. Lower fees than international schemes.
GhQR Merchant Payments
Scan-and-pay QR codes for merchants. Works across all banks and mobile money networks.
e-zwich Biometric
Biometric smart card support for offline transactions, government schemes, and rural banking.
Visa & Mastercard
International card processing for POS, ATM, and e-commerce transactions.
ACH Direct Debit & Credit
Ghana Automated Clearing House for salary payments, bill collections, and recurring debits.
Bill Payments
ECG, Ghana Water, DSTV, GOtv, and more — pre-built biller integration with instant confirmation.
Cards management
Issue, control, and manage every card.
gh-link, Visa, and Mastercard — debit, credit, prepaid, and virtual. Issued in minutes, controlled by your customers.
Multi-Scheme Issuance
Issue gh-link, Visa, Mastercard debit, credit, and prepaid cards from one system.
Instant Branch Issuance
Card printed and activated at branch in under 3 minutes. No waiting for postal delivery.
PIN Management
Generation, reset, change, and blocked PIN workflows. PIN mailers or on-screen PIN selection.
Card Controls
Per-transaction limits, daily and monthly caps, international on/off, contactless toggle — all customer-controlled.
Blocking & Reissuance
Lost/stolen permanent block, temporary block, and one-click reissuance with automatic balance transfer.
Virtual Cards
Instant virtual card issuance for online merchants with per-merchant limits and single-use options.
Contactless / NFC
Tap-to-pay enable/disable at card and customer level. Apple Pay and Google Pay tokenisation ready.
ATM & POS Terminals
Terminal registry, cash forecasting, fault management, and live transaction monitoring across your fleet.
Treasury & investments
Manage every cedi of treasury.
T-bills, BoG securities, money market, nostro/vostro — real-time position, IFRS 9 classification, and automatic revaluation.
Treasury Bills
91-day, 182-day, and 364-day BoG T-bill subscription, holding, maturity, and rollover — full lifecycle.
BoG Securities
BoG bills, notes, and open market operations with automatic coupon and maturity processing.
Money Market
Interbank placements, call accounts, and term deposits with counterparty limits and revaluation.
Nostro / Vostro
Correspondent bank account reconciliation, EOD revaluation, and automated statement matching.
Portfolio Classification
Held-to-maturity, available-for-sale, and FVTPL classification per IFRS 9 with automatic reclassification.
Accrued Interest
Daily accrual, coupon processing, and discount amortisation with full GL posting.
Investment Accounting
Amortised cost, fair value, and impairment calculation per IFRS 9 staging rules.
Position & Limits
Real-time currency and maturity positions with configurable exposure limits and breach alerts.
Trade finance
Trade finance for a port economy.
Import and export LCs, guarantees, documentary collections, and ICUMS customs integration — full Tema and Takoradi corridor support.
Import Letters of Credit
Sight and usance LCs, amendments, extensions, and full lifecycle from application to settlement.
Export Letters of Credit
Advising, confirming, negotiating, and discounting export LCs with buyer and country risk tracking.
Bills for Collection
Documentary collections — import and export — with document tracking and acceptance workflows.
Bank Guarantees
Performance bonds, advance payment guarantees, retention bonds, and shipping guarantees.
Shipping Documents
Bill of lading, invoice, packing list, certificate of origin — capture, tracking, and archive.
ICUMS / Customs
GRA ICUMS interface for clearing agents. Duty calculation, payment, and release tracking.
Trade Limits
Country, counterparty, commodity, and tenor exposure limits with automatic breach alerts.
Margin Management
Cash and non-cash collateral tracking with automatic margin calls and release workflows.
Payroll & salary loans
Salary-backed lending, at scale.
Direct CAGD, GES, and GHS payroll integration for teachers, nurses, and civil servants. Private sector payroll from any employer file.
Employer Onboarding
Register employers, verify payroll authenticity, and configure deduction rules per employer.
Salary Deduction at Source
Direct monthly deduction from employer payroll, credited automatically to loan accounts.
Loan Eligibility Engine
Calculate maximum loan based on salary, tenure, existing deductions, and outstanding commitments.
CAGD Payroll Interface
Direct interface with Controller & Accountant General's Department for civil service payroll.
GES / GHS / Private Payroll
Payroll file processing for Ghana Education Service, Ghana Health Service, and private employers.
Automatic Deductions
Monthly salary deduction runs on schedule with automatic reconciliation and exception handling.
Early Settlement
Calculate payoff amounts, apply discounts, and settle loans mid-tenure with automatic payroll stop.
Portfolio Analytics
Employer-level exposure, default rates, and recovery performance dashboards.
Collections & recovery
Recover more. Earlier.
BOG-compliant aging, automated reminders, promise-to-pay tracking, legal escalation, and post-write-off recovery — all in one workflow.
Aging Analysis
30 / 60 / 90 / 180 / 365 day buckets per Bank of Ghana classification. Automatic reclassification at EOD.
Automated Reminders
SMS, email, and call scripts triggered at each stage. Configurable per product and per bucket.
Officer Assignment
Assign loans to collections officers. Track follow-ups, call logs, and next actions per borrower.
Promise-to-Pay
Capture promises with dates and amounts. Automatic reminders and broken-promise escalation.
Restructuring
Rescheduling, refinancing, and moratorium workflows with full approval and audit trail.
Legal Escalation
Referral to legal, court tracking, judgment enforcement, and recovery-after-write-off.
Write-Off Workflow
Approval workflow, board reporting, and post-write-off recovery tracking per BOG requirements.
Recovery Reporting
Per-officer, per-bucket, per-product recovery performance with target vs actual.
Government payments
Disburse G2P at national scale.
LEAP, NHIS, school feeding, pension — GIFMIS file processing, e-zwich and Ghana Card linkage, multi-channel disbursement, and immutable audit.
Beneficiary Registry
Bulk onboarding of G2P beneficiaries with Ghana Card verification and deduplication.
GIFMIS File Processing
Process Government of Ghana GIFMIS payment files in standard Bank of Ghana formats.
e-zwich / Ghana Card Linkage
Biometric and national ID verification for every beneficiary before disbursement.
Disbursement Channels
Bank account, mobile money, and e-zwich card disbursement — single file, multiple channels.
Return File Processing
Process returns for failed disbursements — wrong account, inactive wallet, deceased beneficiary.
Per-Programme Reporting
LEAP, NHIS, school feeding, pension — reports per programme, per region, per beneficiary.
Immutable Audit Trail
Every disbursement logged, searchable, and immutable. Full compliance for Auditor-General reviews.
Reconciliation
Daily reconciliation of disbursed files against bank and wallet confirmations.
Risk, compliance & security
BOG compliance, designed in.
AML/CFT, fraud detection, sanctions screening, regulatory reporting, and a zero-trust security posture — all built into the core, not bolted on.
AML/CFT Monitoring
Rule-based transaction monitoring, threshold alerts, and automated STR filing per BOG requirements.
KYC / CDD / EDD
Ghana Card verification, tiered KYC, document verification, and risk-based customer scoring.
Sanctions & PEP Screening
OFAC, UN, EU, and Ghana-specific watchlist screening at onboarding and ongoing basis.
Fraud Detection
Real-time transaction velocity, behavioral analysis, device risk, and location anomaly detection.
BOG Regulatory Returns
Capital adequacy, liquidity, NPL, large exposures, and all statutory returns per Bank of Ghana format.
Immutable Audit Trail
Every action, record change, and login is logged and searchable. No gaps, no rewrites.
Maker-Checker Workflows
Dual approval on all critical operations — waivers, large transfers, account changes, and reversals.
Central IAM & Zero Trust
OAuth 2.1, OIDC, JWT, MFA, biometrics, device binding, PAM, and microsegmented network architecture.
AI & decision support
Assisted, never autonomous.
ML models assist your teams with credit, fraud, forecasting, and churn. Every recommendation remains subject to deterministic rules and human authorization. AI never moves money on its own.
Credit Scoring Assistance
ML models trained on your portfolio history. Recommendations reviewed by a human before any decision.
Default Prediction
Early warning scoring on active loans. Flags likely defaults before they hit PAR 30.
Fraud Detection AI
Behavioral models on top of rule-based fraud. Catches novel patterns rules miss.
Cash Forecasting
Predicts branch cash needs based on historical patterns, seasonality, and events.
Churn Prediction
Identifies customers likely to leave based on activity, product usage, and interaction signals.
Collection Optimization
Prioritizes collection activity by expected recovery, not just age of debt.
Portfolio Analytics
Concentration, sector exposure, and risk-adjusted return on every loan book.
Natural-Language Analytics
Management can ask questions in plain English. AI translates to SQL and returns answers.
Migration & coexistence
Replace legacy without chaos.
A dedicated migration engine for replacing legacy core banking systems. Extract, transform, rehearse, run in parallel, then cut over — with a written rollback if anything goes wrong.
Data Extraction & Validation
Extract from legacy systems in any format. Validate completeness and integrity before migration.
Transformation & Mapping
Map legacy data models to SikaNet CBS. Products, accounts, customers, GL, and history.
Migration Rehearsal
Full dry runs on your data before cutover. Reconcile balances, transactions, and reports.
Parallel Run
Run legacy and SikaNet CBS side by side. Daily reconciliation between systems before cutover.
Cutover Management
Planned cutover with written rollback procedure. No surprises on go-live day.
Legacy Coexistence
Integration layer synchronizes legacy CBS with SikaNet during a progressive migration.
Migration Audit
Every migrated record logged, verifiable, and reconciled. Full audit trail for regulators.
Decommissioning Support
Structured plan to retire legacy systems once parallel run proves parity.
HR & staff
Run the institution, not just the books.
Staff records, roles, attendance, leave, payroll, and performance tracking — integrated with teller limits, approval thresholds, and audit.
Staff & HR Management
Employee records, roles, positions, and lifecycle. Onboarding to offboarding, all auditable.
Attendance & Leave
Clock-in/out, leave requests, approvals, and calendar integration.
Payroll
Salary processing, deductions, tax (PAYE), SSNIT, and tier 3 pension contributions.
Performance
KPI tracking, branch targets, teller performance, and collector efficiency dashboards.
Staff Limits & Roles
Teller limits, approval thresholds, and role-based access to branches, products, and reports.
Staff Audit
Every staff action on a customer record, transaction, or config is logged and searchable.
Architecture
Seven layers. Polyglot. Proven.
A Java/Quarkus financial core, .NET enterprise services, native mobile clients, PostgreSQL for financial truth, RabbitMQ for events, Redis for cache. Every layer independently scalable and observable.
Client & Channels
Every customer touchpoint — native mobile, web, agent, kiosk, and USSD.
API & Identity
Every request authenticated, authorized, and audited through a single gate.
Financial Core
Authoritative owner of the ledger, transactions, and all money movement.
Enterprise Platform
Workflow, documents, HR, notifications — non-financial services.
Integration Bus
Event-driven messaging between every module and every external rail.
Data & Persistence
Authoritative financial truth plus analytical and cache layers.
Infrastructure & Reliability
Runs on cloud, on-prem, or hybrid. Your data, your rules.
10M+
Transactions / day
99.98%
Measured uptime
180ms
p99 latency
15 min
RPO target
Built with
The stack underneath SikaNet CBS.
A polyglot architecture — Java/Quarkus for the financial core, .NET for enterprise services, native Kotlin and Swift for mobile with Flutter and React Native as cross-platform options, PostgreSQL for financial truth, RabbitMQ for events. Every layer is battle-tested at banking scale.
Financial Core
Java
Quarkus
Hibernate
Enterprise Platform
.NET
ASP.NET Core
Entity Framework
Web Clients
Angular
TypeScript
Native Mobile
Kotlin
Jetpack Compose
Swift
SwiftUI
Cross-Platform Mobile
Flutter
React Native
Data & Messaging
PostgreSQL
Redis
RabbitMQ
Cloud & Infrastructure
Docker
Kubernetes
AWS
Azure
Nginx
Observability
OpenTelemetry
Grafana
Prometheus
Integrations
Connected to Ghana's financial ecosystem.
GhIPSS national infrastructure, all mobile money networks, licensed PSPs, commercial banks, credit bureaus, and regulatory systems — pre-built and settlement-ready.
GhIPSS National Payment Systems
Ghana's national interoperable infrastructure, operated by a wholly-owned subsidiary of the Bank of Ghana.
GhIPSS Instant Pay
gh-link Card
GhQR
GhanaPay
e-zwich
ACH Direct Debit
Mobile Money Networks
Ghana's three major mobile money operators plus bank-led and aggregator wallets.
MTN MoMo
Telecel Cash
AT Money
Zeepay
GhanaPay
Payment Gateways & Aggregators
Licensed payment service providers under Bank of Ghana regulation.
Paystack
Flutterwave
Hubtel
ExpressPay
eTranzact
Stripe
Government & Regulatory Systems
Direct integrations with Ghana's regulatory and revenue institutions.
Bank of Ghana
GRA
SSNIT
NHIA
Ghana Card
CAGD
Credit Bureaus & Risk
Licensed credit reference bureaus and risk data providers.
XDS Data
Hudson Price
Dun & Bradstreet
Industry Associations
Affiliation and reporting integrations with Ghana's cooperative and rural banking infrastructure.
ARB Apex Bank
CUA
GCSCA
GHAMFIN
International & Cross-Border
SWIFT messaging, international card schemes, and remittance corridors.
SWIFT
Visa
Mastercard
WorldRemit
Wise
Remitly
Implementation
From contract to go-live.
Discovery & scoping
We map your products, branches, chart of accounts, and BOG reporting obligations. Deliverable: written implementation plan.
Configuration & data migration
Products, fees, interest rules, and customers configured. Legacy data cleaned, mapped, and migrated. Parallel run begins.
Training & UAT
Branch staff, tellers, loan officers, and back-office trained. User acceptance testing against real Ghanaian banking workflows.
Go-live & hypercare
Cutover with a rollback plan. 30 days of hypercare, then ongoing support via monthly retainer.
FAQ
Common
questions.
Let us talk
Ready to modernize
your core banking?
Tell us about your institution, your products, and the problem you're solving. We'll tell you honestly if SikaNet CBS is the right fit.
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