Digital banking software, localised for your market

One white-label core banking platform — double-entry ledger, KYC, lending, mobile money — adapted to each market’s regulator, national ID, currency, and payment rails. Choose your country.

Ghana

Live

the core banking and mobile-money infrastructure Ghanaian banks, MFIs, and susu operators launch on in weeks.

BoGGHSMTN MoMo

Digital banking software in Ghana

Nigeria

Coming soon

core banking and payments infrastructure for Nigerian microfinance banks, fintechs, and cooperatives — built to scale.

CBNNGNOPay

Digital banking software in Nigeria

Kenya

Coming soon

M-Pesa-native core banking infrastructure for Kenyan SACCOs, microfinance banks, and digital lenders.

CBKKESM-Pesa

Digital banking software in Kenya

Launch your institution on Sika

From application to a live, compliant bank in weeks, not years.

Apply to run your bank Book a demo