Digital banking software in Kenya
Sika is M-Pesa-native core banking infrastructure for Kenyan SACCOs, microfinance banks, and digital lenders. A white-label core banking platform with a real double-entry ledger, National ID / Huduma Namba KYC, digital lending, and M-Pesa — so Kenyan institutions launch a compliant bank in weeks, not years.
Built for the Kenyan market
Kenya pioneered mobile money, and M-Pesa is the default rail for savings, lending, and payments. Any core banking platform in Kenya lives or dies on clean M-Pesa collection and reconciliation — Sika treats it as a first-class rail with an idempotent, conserving ledger.
The Central Bank of Kenya and SASRA regulate a rich ecosystem — commercial and microfinance banks, deposit-taking SACCOs, and digital credit providers. SACCOs and chamas (table-banking groups) are the heart of inclusion, mirroring the susu model Sika already runs natively elsewhere.
KYC in Kenya centres on the National ID. Sika’s national-ID layer is pluggable per country, so a Kenyan deployment verifies National IDs the same way other markets verify their own documents — the multi-country architecture is already in place.
Central Bank of Kenya (CBK)
Sika ships the technical controls CBK-regulated institutions need — tiered KYC, AML and sanctions screening, maker-checker segregation of duties, immutable audit logs, and reporting.
- Commercial bank
- Microfinance bank
- SACCO (SASRA)
- Payment service provider
- Digital credit provider
Payment rails in Kenya
Mobile money, card, and bank transfer are first-class rails, posting to an idempotent, conserving ledger so balances never drift.
- M-Pesa
- Airtel Money
- T-Kash
Run a compliant institution in Kenya
Apply to launch your Kenyan bank, MFI, or SACCO on Sika.
Everything a Kenyan institution needs
One platform for retail banking, commercial banking, digital lending, mobile money, KYC/AML, and fraud — on a single audited core banking ledger.
Core banking ledger
Double-entry, idempotent, atomic money movement with reconciliation.
Tiered KYC & e-KYC
National ID / Huduma Namba verification, AML and sanctions screening.
Digital lending
Origination, maker-checker underwriting, repayment schedules.
Mobile money
Collection & reconciliation across M-Pesa, Airtel Money, T-Kash.
Savings & current accounts
Retail and commercial deposit products, standing orders.
Fraud, audit & compliance
Velocity rules, immutable audit logs, regulator reporting.
Who runs on Sika in Kenya
Transparent pricing in Kenya
Subscription pricing quoted for the Kenyan market, with a Launch tier for small institutions up to enterprise deployments. No multi-year licence. See full pricing.
Digital banking in Kenya: FAQ
What is the best core banking platform for a SACCO in Kenya?
Sika Digital Infrastructure is a white-label core banking platform suited to Kenyan SACCOs, microfinance banks, and digital lenders: a double-entry ledger, National ID-based KYC, group/table-banking support akin to chamas, digital lending, and native M-Pesa collection and reconciliation.
Does Sika integrate with M-Pesa?
Yes. Sika treats M-Pesa (and Airtel Money and T-Kash) as first-class rails — collections, disbursements, and reconciliation post to an idempotent, atomic ledger so member balances never drift.
How much does core banking software cost in Kenya?
Sika uses transparent monthly subscription pricing with modular add-ons — a Launch tier for small SACCOs and MFIs up to enterprise deployments — with no multi-year licence or large upfront implementation fee.
When is Sika available in Kenya?
Sika’s platform is architected for Kenya — currency, phone formats, National-ID verification, and M-Pesa rails are country-pluggable — and we onboard design-partner institutions market by market. Apply to be an early Kenyan partner.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.