Same platform. You pay for book size.
Launch, Scale, and Enterprise are the same core at different caps. Ghana Card is included. Community is the Susu track, not a middle rung.
Launch, Scale, Enterprise. The bank is the same. Customer and staff caps are not.
Community bundles the Launch core with Susu. Or add Susu on Launch or Scale.
Credit Intelligence, Probitas, Tumi, HR, diaspora, agriculture, AI, and CMS. Activated from Billing. Probitas and Tumi stay billable on Enterprise.
Versus FLEXCUBE-class cores
Subscription economics, not a capital project.
Oracle FLEXCUBE-class programmes typically combine a large software licence, a multi-million-dollar implementation, and annual maintenance of 15–25% of the licence. Global SaaS cores are commonly negotiated in the mid-five to mid-six figure USD per year band. Sika is a transparent GHS subscription with Ghana Card and MoMo in the base, go-live in weeks after KYB, and premium Probitas / Tumi add-ons when you need them.
/mo · licensed MFI core
unlimited + CI · talk to us
Never bundled into Enterprise
Included in every plan
This is the standard base. Ledger, rails, Ghana Card, lending, bill pay, merchants, and escrow. It is on from day one on Launch and is never billed as an extra.
Your own isolated instance, domain, logo, colours and regulator footer.
Double-entry ledger, account types, statements, activity history.
Internal and inter-account transfers with cooling periods and limits.
Passwords, sessions, device binding, MFA and step-up on risky actions.
Maker-checker, granular permissions, segregation of duties.
Immutable audit trail, compliance reporting, CTR thresholds.
Transaction risk scoring, velocity rules, alerting.
Security console, breach workflow, privacy/DSAR request handling.
Email, SMS via Twilio, and in-app alerts with per-customer preferences.
Operational dashboards, reconciliation and health endpoints.
MTN, Vodafone, AirtelTigo and card acceptance wired in.
Pricing is loading. If this persists, our team is standing by. Please apply and we will be in touch.
For the board
What finance will ask.
Is there a setup or implementation fee?
No. You pay the monthly or yearly subscription after KYB approval. There is no licence fee and no separate implementation invoice to start.
What is included in go-live support?
A dedicated tenant, operator console, system accounts, and white-label branding. After KYB we provision in minutes. You brand the bank, switch on Ghana Card and mobile money, and sign the launch attestation.
Are mobile money and SMS inside the subscription?
The subscription is the platform. Collection and disbursement run on your Paystack and mobile-money network contracts. SMS is Twilio. Sika does not add a separate MoMo or SMS line item.
What happens as our book grows?
Your price follows the size of your book, in bands. Crossing into the next band changes the price from your next invoice, and your billing console shows where the next band starts and what it adds before you get there. At a plan’s ceiling, registering new customers stops until you move to a larger plan. Nothing is charged as overage.
How do we get Susu if we are on Launch or Scale?
Add Susu & ROSCA from your billing console, or choose the Community track, which bundles the Launch core with Susu, priced by band as membership grows.
What is Credit Intelligence?
A paid add-on that scores loan and card requests with approve, refer, or decline outcomes, revolving facilities, policy versioning, and underwriter override. It ships on Enterprise. Lending itself stays in the core plans.
Are Probitas and Tumi included in Enterprise?
No. Probitas Compliance and Tumi Institutional Tokens are premium add-ons on every plan, including Enterprise. They are never bundled into a plan because they are expensive platforms in their own right.
How does Sika compare with Oracle FLEXCUBE?
FLEXCUBE programmes typically combine a large software licence, a multi-million-dollar implementation, and annual maintenance of 15–25% of the licence. Sika is white-label core banking as a subscription in GHS, with Ghana Card, MoMo rails, and go-live in weeks after KYB. You still pay for premium Probitas and Tumi add-ons when you need them. Exact FLEXCUBE quotes vary by bank; talk to us for a side-by-side for your book.
Why does Enterprise have no trial?
Enterprise is dedicated infrastructure and a named solutions team, with a custom cutover. Launch, Scale, and Community include a 30-day trial.
How does yearly billing work?
Yearly is ten months of the monthly price. You get two months free. Add-ons on a yearly plan are also billed at ten months.
Can we switch plans later?
Yes. A move to a larger plan takes effect at once, and you are invoiced only the difference for the rest of the period you have paid for. A move to a smaller plan takes effect when that period ends, so you keep what you paid for until then; if your book has outgrown the smaller plan by then, you stay where you are and your operators are told. Add-ons are not charged twice when the new plan already includes them. You cannot move to a plan whose customer or staff ceiling is below what you use today.
Ready to run your own bank?
Apply now. Approval and provisioning typically complete within days.
Apply to build