Smartcode is a software development company based in Nairobi and founded in 2013. Beyond our core stack of integration, channels, governance and core banking, we build 27 specialised platforms for banks, insurers, fintechs and enterprises. Most connect through SCAPI, so they slot into the systems you already run.
The integration layer and customer channels everything else runs on.
SCAPI ESB and API Gateway
The integration backbone that links your core to every channel and partner.
SCAPI ESB is a lightweight, high-performance integration backbone built on an event-driven architecture. It connects core banking and insurance systems, legacy applications and modern microservices to mobile and internet banking, ATM, POS, IVR, ERP, payment rails and fintech partners through one secure layer. Pre-built connectors, message transformation and routing, and a visual design studio let your team launch new services without disrupting the core - cutting integration development time by up to 80%.
Pre-built core banking connectors
Event-driven, real-time messaging
Message transformation & rule-based routing
REST, SOAP, XML and JSON standards
Visual studio to design, deploy and monitor workflows
Cloud-ready and container-friendly (Docker, Kubernetes)
One console for collections, teller workflows and every API on SCAPI.
SCAPI Central is the operational portal on top of SCAPI ESB. Tellers use it to run tax, utility, licensing and corporate collections with real-time validation, KYC checks and receipts, posting straight to the core banking system and teller tills with automatic GL mapping. Operations teams process bulk payments and mobile money push and pull transactions, connect corporate clients host-to-host, and follow every transaction on live dashboards with audit-ready exports.
Teller collections: initiate, validate, post and receipt
Direct till and core banking posting with GL mapping
Bulk payment uploads with approvals
M-Pesa and mobile wallet push & pull
Host-to-host links for corporate client ERPs
Role-based access, 2FA, maker-checker and audit trail
Banking, insurance and investor portals that take everyday requests out of the branch.
Smartcode builds self-service portals that move routine requests out of the branch and the call centre. Bank customers check balances and statements, transfer funds and pay bills; policyholders get quotes, buy and renew cover and lodge claims; investors follow their holdings and statements; agents and intermediaries manage their clients and commissions. Each portal carries your brand and connects to your core systems through SCAPI, so customers always see live information.
Online banking: balances, statements, transfers & bill payments
Pochi is an all-in-one, white-label platform that combines a mobile wallet, agency banking, merchant payments and open banking APIs. Banks, SACCOs, telcos and fintechs use it to launch digital financial services under their own brand and reach customers on smartphones and on basic phones through USSD - expanding financial inclusion without building from scratch.
Reach customers on every device and network, from smartphone apps to a missed call.
Smart Mobile Banking
Modern mobile banking apps for retail customers.
A feature-rich mobile banking suite that gives banks a beautifully crafted iOS and Android experience with full account management, transfers, bill pay, card controls and biometric security - branded to match your institution.
Unified Digital Experience Platform - omni-channel banking on SCAPI ESB.
SCAPI DXP is Smartcode's Unified Digital Experience Platform for banks, microfinance institutions and fintechs - a single, modular, API-first stack that delivers a consistent customer experience across mobile, web, USSD, ATM, agent and branch channels. Built on the SCAPI Enterprise Service Bus with a multi-tier on-premise or cloud-ready architecture, it unifies channels, integrations, identity, analytics and customer engagement into one governed platform - enabling phased MVP delivery, rapid time-to-market and scalable digital transformation.
An inclusive channel that lets customers check balances, request mini statements, or trigger services with a single missed call - perfect for low-data, low-smartphone-penetration markets.
Deliver high-volume, low-latency SMS, push and email alerts for every customer transaction. Built for reliability, with smart routing, throttling and delivery analytics so the right message reaches the right customer - instantly.
Move money across mobile money, bank rails and card schemes, and resolve disputes when things go wrong.
Smart Payment Gateway
Multi-channel payment aggregator - cards, mobile money, bank rails & QR.
Smart Payment Gateway is a multi-channel payment aggregator that unifies cards, mobile money, bank transfers, USSD and QR under a single API. Built on SCAPI ESB, it routes intelligently across providers for cost, availability and geography, with built-in settlement, reconciliation, fraud and compliance controls - so merchants integrate once and scale across Africa.
Cards, M-Pesa, Airtel Money, RTGS, PesaLink, QR & USSD
Seamless mobile money transfers across every transaction model.
SmartSuite is a seamless platform that enables secure and efficient money transfers across every major transaction model - connecting businesses, customers, governments and citizens through a single, reliable mobile money rail.
B2C - Businesses pay customers' mobile wallets
C2B - Customers pay businesses via mobile money
B2B - Seamless transfers between business accounts
C2C - Instant person-to-person transfers
G2C - Government disbursements (subsidies, benefits)
ISO8583 interface bridging your core banking system and ATM switch.
SmartDHI is our robust ISO8583 interface - the bridge between your core banking system and ATM switch - facilitating seamless processing of ATM transactions from all major card schemes including Visa, Mastercard, China UnionPay, American Express, Discover, Diner's Club, JCB and more.
Issue personalised debit and prepaid cards on the spot in any branch. Integrates with your card management system and issuer host for a seamless, in-branch customer experience.
Streamline cardholder and customer disputes from intake to resolution with an intelligent case management workflow that automates evidence collection, SLA tracking and chargeback handling.
Extend credit and grow agent, dealer and insurance distribution networks.
Micro Loans
Instant, data-driven micro-credit with dynamic risk profiling.
Empower your institution to disburse short-term loans in seconds based on predefined eligibility rules and dynamic risk profiling - bringing credit to underserved customers without sacrificing portfolio quality.
Onboard, manage and grow your agent and dealer network with a single platform that handles commissioning, float management, performance reporting and territory oversight.
Digital insurance distribution & sub-agent management.
A digital platform for insurance agencies to onboard and manage sub-agents, sell products online, track commissions and grow distribution - all from one centralised dashboard.
Smart AML is an enterprise-grade anti-money laundering platform that monitors transactions in real time, screens against global sanctions and watchlists, and automates regulatory reporting. Built to plug directly into SCAPI ESB and core banking flows, it combines a configurable rules engine with behavioural analytics and AI-assisted investigations to catch suspicious activity while keeping false positives low.
Whistle360 gives your people a safe way to speak up and your team a clear way to act. It is a secure, anonymous reporting channel and case management platform, branded for your organisation and live in under a week. Reporters stay unknown and follow up with a private case key, while your case team triages, investigates and gives feedback on time. Designed around ISO 37002 and the EU Whistleblowing Directive for banks, insurers, pension schemes, SACCOs, fintechs, listed companies and state corporations, with one platform and a separate channel for every entity in a group.
Report by web, mobile, USSD or SMS, anonymously if the reporter chooses
No IP addresses, device details or tracking cookies stored
Private case key for anonymous two-way follow-up
Case management with deadlines, SLA alerts and conflict-of-interest routing
Board and regulator reports in a few clicks
Per-organisation encryption keys, SSO, 2FA, full audit trail and in-country hosting
Run customers, savings, loans, agents, merchants and the general ledger on one governed system.
Xperia 360
One platform. Every customer. Total control.
Xperia 360 is a complete core banking platform for microfinance institutions, SACCOs and agency networks. It runs your customers and members, savings, loans, group savings, agents, merchants and general ledger on one governed system, so your teams stop reconciling spreadsheets and your customers are served wherever they are: in the branch, with an agent, in the field or on their phone. Every transaction posts to a real double-entry ledger, every sensitive action needs a second approver, and interest, arrears, provisions, settlement and period close run automatically. It runs on the SCAPI integration layer, so mobile money operators, SMS gateways, card partners and regulator reporting plug in without rework.
Twelve integrated modules on one customer record, one double-entry ledger and one approval model
Loans with tiered approvals, guarantors, collateral, group loans, SMS and email reminders
Recovery and portfolio quality: daily NPA and PAR classification, provisioning and controlled write-offs
Group and VSLA savings with contribution sessions, signatories and share-out runs, plus SACCO dividends
Agency and merchant banking with float, limits, pricing, automated settlement and disputes
Mobile money collections (STK push and C2B) and full card lifecycle management
Automated end-of-day, month-end and year-end close that stops safely if a step fails
AML watchlist screening, large-cash flagging, Report Central and a full audit trail
Two-factor login, server-enforced roles and a dedicated instance for every institution
Run procurement, appointments and support, and see what is happening across your systems, data and assets.
BI Reporting
Smartcode Business Intelligence platform.
A full BI stack tailored for financial services - pulling data from your core, channels and third-party systems into curated dashboards and self-service reports for every business team.
Real-time infrastructure & service monitoring with instant alerts.
SmartVizor is a comprehensive monitoring system that empowers you to track key performance metrics - including CPU utilisation, disk utilisation, network uptime, API accessibility and website accessibility. With real-time monitoring and instant notifications, you're immediately alerted to any deviations from the norm, ensuring swift corrective action and peak operational performance.
Enterprise-grade customer support & ticket management platform.
Smartcode Help Desk is a full-stack, multi-tenant customer support platform that lets organisations manage tickets, agents and client relationships from a single, centralised system. Every interaction - from initial request to resolution - is tracked, assigned, notified and audited automatically, replacing the patchwork of emails, WhatsApp and spreadsheets that buries support requests.
SmartScheduler lets any business that runs on appointments - clinics and hospitals, banks and SACCOs, salons and spas, schools, and professional and public services - schedule appointments and remind every client automatically by SMS, email and WhatsApp. It closes the gap between booking and showing up, so clients arrive on time, teams stay on schedule and fewer slots go to waste.
Appointment calendar with day and week views
Automatic reminders sent on a schedule you choose
SMS, email and WhatsApp from one platform
Message templates with client name, time and place filled in
Every tender. Every supplier. Every decision on record.
A complete, secure eProcurement platform that takes your organisation from supplier registration to contract award - with the audit trail your board, regulators and donors expect. Buyers get an administration console and suppliers a self-service portal, both on one secure record. Built for banks and financial institutions, NGOs and development agencies, and public bodies, and deployable on-premise, Smartcode-hosted or in the cloud.
Supplier self-registration and vetting
Prequalified supplier lists by category
RFQs, RFPs and tenders with online clarifications
Sealed electronic bids that open only at the set time
Committee evaluation, award notices and contract records
Asset monitoring & geo-fencing for high-value field assets.
SmartDira combines robust hardware devices with real-time software monitoring to ensure leased or deployed assets remain where they should be, and are utilised within authorised areas - with instant alerts on any anomaly.
SmartAgri combines satellite imagery, geospatial analytics and AI to give banks, insurers, agribusinesses and governments a single view of every farm and farmer. Analyse terrain, soil health, weather patterns and crop performance, maintain a verified farmer registry, and run predictive models that translate field-level data into actionable credit scores for agricultural financing - de-risking lending to smallholder and commercial farmers across Africa.
CarbonLens is an enterprise-grade carbon emission management platform that helps organisations accurately track, analyse and optimise their carbon footprint while ensuring regulatory compliance and driving sustainability goals. AI-powered insights, automated reporting and actionable recommendations enable companies to transition toward net-zero emissions efficiently.
Cashless parking. Real-time control. Zero guesswork.
A complete digital parking platform that replaces ticket books, cashboxes, and manual gate logs with instant mobile payments, live occupancy data, and a full audit trail - built to run one lot or a hundred, anywhere in the world. A driver mobile app, a staff portal and a secure backend engine all read from the same live data, so every screen always agrees.
School management system - one platform, every classroom, zero paperwork.
A complete school ERP that replaces scattered spreadsheets, paper registers, and manual fee ledgers with digital admissions, live attendance, automated billing, and instant report cards - built for one campus or a whole network of schools. Administrators, teachers, and parents all read from the same live data through an admin console, a teacher portal and a parent and student app.
Church management system - one platform, every ministry, zero chaos.
A complete church management system that replaces scattered spreadsheets, paper registers, and manual giving records with digital membership, live attendance, automated giving, and instant reports - built for one congregation or a whole network of branches. Pastors, ministry leaders, and members all read from the same live data through an admin console, a leader portal and a member app.
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