KYC Software for Banks, MFIs & Susu Operators
Digital customer onboarding and KYC built for regulated African institutions — tiered verification, Ghana Card e-KYC, document capture, and risk rating, wired straight into your core ledger and AML screening.
The problem
- Manual, paper-based onboarding is slow, error-prone, and impossible to audit at examiner time.
- National ID verification (Ghana Card, NIN, National ID) differs per market and is painful to integrate.
- KYC that lives outside the core system leaves gaps between identity, accounts, and transaction monitoring.
What Sika gives you
Tiered KYC
Minimal, standard, and enhanced due-diligence tiers mapped to account limits and product risk.
National ID e-KYC
Ghana Card verification today; a pluggable national-ID layer for NIN and other markets.
Document capture
ID, proof of address, and selfie capture with masking and encrypted-at-rest storage.
Risk rating
Automatic customer risk scoring feeding limits, EDD queues, and PEP review.
AML at onboarding
Sanctions and PEP screening runs at onboarding and on an ongoing basis.
Full audit trail
Every verification, decision, and change is logged immutably for examiners.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.
How it works
Four steps, all on a single audited core banking ledger.
- 1
Capture
The customer submits identity details and documents on web or mobile; the national ID is verified.
- 2
Screen
Sika screens the customer against sanctions and PEP lists and computes a risk rating.
- 3
Review
Low-risk customers are approved automatically; higher-risk cases route to an EDD/maker-checker queue.
- 4
Activate
On approval, accounts open with limits set by the KYC tier, and ongoing monitoring begins.
KYC & Onboarding: FAQ
What is KYC software for banks?
KYC (Know Your Customer) software verifies customer identity, screens against sanctions and PEP lists, assigns a risk rating, and records an audit trail — so a bank or MFI can onboard customers compliantly. Sika builds this into the core banking platform so identity, accounts, and monitoring stay connected.
Does Sika support Ghana Card verification?
Yes. Ghana Card e-KYC is included in every plan. Sika verifies the Ghana Card as part of tiered KYC, and its national-ID layer is pluggable so other markets (NIN in Nigeria, National ID in Kenya) verify the same clean way.
How fast is customer onboarding with Sika?
Low-risk customers can be verified and activated in minutes; higher-risk cases route to an enhanced due-diligence queue with maker-checker approval. Everything is logged for examiners.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.