Modern core operations for microfinance and cooperatives.
BOA brings client onboarding, savings, loan appraisal, disbursements, repayments, and portfolio tracking into one secure, unified SaaS platform.
Trusted by modern financial institutions across the continent
Don’t let manual operations hold you back.
Manual operations do not scale. BOA connects the work happening at branches, in the field, and at head office into a single secure platform.
Without BOA
- ×Client records are scattered and hard to verify
- ×Loan appraisal is inconsistent and relies on guesswork
- ×Repayment tracking requires manual reconciliation
- ×Branch reports arrive late and often contain errors
- ×Portfolio risk is hidden until it’s too late
With BOA
- Unified Client 360 & KYC across all branches
- Smart, configurable loan appraisal rules
- Automated schedules and real-time repayment tracking
- Instant, error-free reports for managers
- Real-time PAR and portfolio ageing visibility
A platform built for financial scale.
Whether you manage a single cooperative or a microfinance institution with hundreds of branches, BOA’s robust architecture adapts to your operational needs.
Everything you need, in one place.
Bring client onboarding, savings, loans, and portfolio tracking into a single secure platform. Stop relying on scattered spreadsheets and disconnected systems.
- Complete client profiles and KYC lifecycle tracking.
- Flexible savings accounts with complex dormancy rules.
- Real-time visibility into branch and officer portfolios.
Smarter decisions, from application to repayment.
Configure loan products once. BOA carries your rules through application, appraisal, approval, and disbursement automatically.
- Enforce product stage caps and guarantor verification.
- Weighted appraisal scoring for business cash flows.
- Holiday and weekend-aware repayment schedule generation.
Purpose-built for village banking.
Run group savings and loan repayment sessions effortlessly. Maintain absolute control over individual member records and solidarity guarantees.
- Track meeting attendance and group health scores instantly.
- Manage solidarity loans with cross-guarantees.
- Real-time individual vs. group balance views.
Enterprise-grade control over every action.
Ensure strict compliance with multi-level approval workflows and immutable audit trails. Know exactly who did what, and when.
- Role-based access control scoped by Branch or Zone.
- Mandatory maker-checker approval workflows.
- Immutable audit logs tracking every sensitive transaction.
A complete ecosystem for your institution.
From field officers capturing offline payments to accountants generating year-end reports, BOA provides the tools for every department to succeed.
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Mobile App
Empower your field officers to onboard clients, collect savings, and process loan repayments directly from their mobile devices, even in low-connectivity areas.
access-boaCommunications Engine
Keep your clients informed with automated SMS alerts for transactions, email statements, and in-app notifications for pending approvals and system updates.
Accounting Module
Seamless chart of accounts mapping, automated journal entries, and real-time trial balance generation. Export profit & loss and balance sheet on demand.
Holiday & Weekend Logic
Smart schedules that automatically adjust repayment dates around public holidays and weekends. No more manual corrections.
Different forms of reports.
Generate regulatory reports, portfolio ageing analysis (PAR), collection sheets, and financial statements instantly. Export to Excel or PDF with one click.
BOA School — Train, Certify, Repeat.
An integrated learning management system that keeps your team skilled, compliant, and confident — right inside the platform.
Interactive Courses & Learning Paths
Structured, role-specific training journeys with video, text and interactive content modules.
Quizzes & Assessments
Test understanding with configurable quizzes. Set passing scores and allow retakes.
Certificates of Completion
Automatically issue branded certificates when staff complete courses or learning paths.
Compliance Tracking
Assign mandatory courses to roles. Track completion rates across branches and departments.
Progress Dashboard
Monitor team learning progress with visual analytics. Identify skill gaps and top performers.
Designed for the realities of branch-led finance.
BOA is built specifically for institutions operating across branches, markets, groups, and communities — where accountability and speed matter most. We understand the unique challenges of financial inclusion.
Field Officers
Collect repayments and onboard clients directly in the field with mobile-friendly access.
Branch Managers
Monitor branch portfolios, approve loans, and manage staff performance in real time.
Credit Teams
Review rigorous smart appraisals and ensure compliance before disbursement.
Cooperative Leaders
Manage member shares, savings, and solidarity lending with total transparency.
Trusted by modern institutions.
See how BOA is helping organizations scale their impact across communities.
BOA transformed our field operations. Officers now capture repayments in real time, and our PAR 30 dropped by 4% in just two months.
We used to struggle with group solidarity tracking. Now, our village banking meetings are fully automated, and members have total transparency.
The multi-level approval workflow ensures that our head office has complete oversight before a single Naira is disbursed to any branch.
Let’s build something together.
Every institution is different. Tell us about your needs and we’ll craft the right plan for you — no hidden fees, no surprises.
What happens when you reach out?
Discovery Call
We learn about your institution's size, branch structure, and pain points to understand your needs.
Personalised Demo
See BOA configured for your exact workflows — savings products, loan types, approval chains, and more.
Custom Proposal
Receive a tailored pricing plan based on your number of branches, users, and features needed.
Get in touch
Fill in your details and our team will reach out within 24 hours.
Ready to transform your operations?
Join modern financial institutions using BOA to scale their impact across communities securely and efficiently.