Kenyan banks, SACCOs, microfinance institutions, and fintech companies have a broad mix of software partners to consider. The companies below cover custom banking development, core banking systems, mobile and internet banking, agency banking, payments, lending, integration, and modernization projects.
1. Itexus
Itexus builds custom fintech and banking software for financial institutions, fintech companies, and other businesses with regulated financial products. It builds mobile and online banking, digital onboarding and KYC, lending, payments, digital wallets, and card management. It also handles fraud monitoring and core banking integration and modernization. Its teams build API integrations with banks, payment providers, KYC services, credit bureaus, and legacy systems. It is an option for Kenyan organizations that need a custom product rather than a packaged local core banking platform, and it can build or extend complex financial systems.
Key Facts
- Best for: Custom banking and fintech product development
- Core services: Banking software development, mobile banking, fintech apps, core banking integration, legacy modernization
- Specialization: Digital banking and regulated financial software
- Project types: Banking apps, lending systems, wallets, payments, onboarding, financial integrations
- Delivery model: International software development with teams in the United States and Europe
Contact Information
- Website: itexus.com
- Email: moc.suxeti@ofni
- Address: 8, The Green, STE road, Dover, DE 19901
- Facebook: www.facebook.com/itexus
- Instagram: www.instagram.com/itexus.soft
- LinkedIn: www.linkedin.com/company/itexus-fintech-software
- Twitter: x.com/ItexusSoft
2. Craft Silicon
Craft Silicon is a Nairobi-headquartered fintech company whose software is built for banks, microfinance organizations, and other financial institutions. It offers core banking, digital channels, mobile financial services, payments, and microfinance software. Its core banking platform runs banking processes and channel integrations from one central system. Craft Silicon also operates beyond Kenya, so it suits institutions that expect their banking platform to support regional expansion.
Key Facts
- Best for: Banks and financial institutions seeking established banking platforms
- Core services: Core banking, digital banking, payments, microfinance software
- Specialization: Banking technology for emerging markets
- Location: Nairobi, Kenya
- Geographic reach: More than 30 countries
Contact Information
- Website: www.craftsilicon.com
- Email: moc.nocilistfarc@aynek.ofni
- Phone: +254 709 044333
- Address: Waiyaki Way, P.O. Box 13628-00800. Nairobi, Kenya
- LinkedIn: www.linkedin.com/company/craftsiliconglobal
- Facebook: www.facebook.com/CraftSiliconKE
- Twitter: x.com/CraftSiliconKE
3. Eclectics International
Eclectics International builds banking and financial software from its Nairobi headquarters. Its core banking product is Tijara CBS, which handles accounts, customers, tellers, credit, products, reporting, and access management. The company also offers mobile, internet, and agency banking, payment services, middleware, and API management. Its integration platform connects core banking systems with switches, ERP software, mobile operators, and third-party services. This combination makes Eclectics a fit for institutions that need both banking applications and integration work.
Key Facts
- Best for: Core banking and digital channel projects
- Core services: Core banking, internet banking, mobile banking, agency banking, integrations
- Specialization: Banking and financial sector software
- Location: Nairobi, Kenya
- Notable platform: Tijara Core Banking System
Contact Information
- Website: eclectics.io
- Email: oi.scitcelce@suotklat
- Phone: +254 709 646 000
- Address: 3rd Floor, Utumishi Co-op House, Mamlaka Road Nairobi, Kenya
- LinkedIn: www.linkedin.com/company/eclecticsio
- Facebook: www.facebook.com/eclecticsio
- Twitter: x.com/eclecticsio
4. Fintech Group
Fintech Group sells its own financial software and also offers implementation, consulting, QA, and software development. Its products include finFinancials for SACCOs and microfinance institutions, finMobile for mobile banking, and finIB for internet banking. Others are finAgent for agency banking, ChequePoint for clearing and settlement, and FinAnalytics for financial reporting. Through software development as a service, institutions can commission custom work around their existing platforms. Its Kenya team is backed by staff working across several African markets.
Key Facts
- Best for: Banks, SACCOs, and MFIs combining packaged systems with customization
- Core services: Core banking, mobile banking, internet banking, payments, custom software
- Specialization: Financial technology platforms
- Notable products: finFinancials, finMobile, finIB, finAgent
- Kenya presence: Delivery operations and development roles in Nairobi
Contact Information
- Website: fintech-group.com
- Email: moc.puorg-hcetnif@selas
- Phone: (+254) 722 205426
- Address: 16th Floor, Ambank House, University Way P.O. Box 39466, Nairobi, Kenya
- LinkedIn: www.linkedin.com/company/fintech-kenya-limited
- Facebook: www.facebook.com/fintechgroup
- Twitter: x.com/fintechgrp
5. Tracom Services Limited
Tracom Services builds payment and banking technology in Nairobi. Its strengths are agency banking, merchant acquiring, payment terminals, card issuance, integrations, and transaction infrastructure. Its agency banking platform handles deposits, withdrawals, transfers, account opening, bill payments, balance inquiries, and agent reporting. Tracom also writes software for web, mobile, POS, and ATM environments. Banks that want to grow payment acceptance, agent networks, or transaction channels, without replacing their whole core banking platform, will find it a practical fit.
Key Facts
- Best for: Agency banking and payment channel projects
- Core services: Agency banking, merchant acquiring, card issuance, payment software, integrations
- Specialization: Transaction and payment infrastructure
- Location: Nairobi, Kenya
- Development areas: Web, mobile, POS, and ATM software
Contact Information
- Website: tracom.co.ke
- Email: ek.oc.mocart@selas
- Phone: +254 20 240 0700
- Address: Springette office park Nairobi - Kenya
6. SODETSO
SODETSO works only on technology for financial institutions. Its TierCBS platform gives core banking to banks, SACCOs, microfinance providers, lending institutions, and savings groups. The company also offers internet, mobile, and agency banking, digital lending, mobile money integration, and third-party system integration. Organizations that want a vendor who knows many parts of the banking stack, rather than a general software agency, should consider SODETSO.
Key Facts
- Best for: Banks, SACCOs, MFIs, and lending institutions
- Core services: Core banking, mobile banking, internet banking, digital lending, agency banking
- Specialization: Financial institution software
- Location: Nairobi, Kenya
- Notable platform: TierCBS
Contact Information
- Website: sodetso.com
- Email: moc.ostedos@ofni
- Phone: +254 100 333 331
7. Shiva Softwares Africa
Shiva Softwares Africa builds banking technology for financial institutions in Kenya and neighboring markets. Its web-based Shiva Core Banking System manages accounts, deposits, loans, and related banking functions. The company also offers agency banking, mobile banking, WhatsApp banking, payment systems, and API integration. Shiva has a Nairobi office and focuses on regional institutions. It fits smaller banks, microfinance organizations, and cooperatives that want local implementation and support along with the core software.
Key Facts
- Best for: Local and regional financial institutions
- Core services: Core banking, mobile banking, agency banking, API integration, payments
- Specialization: Banking platforms for East African markets
- Location: Nairobi, Kenya
- Notable platform: Shiva Core Banking System
Contact Information
- Website: shiva.co.ke
- Email: ek.oc.avihs@ofni
- Phone: +254 768 423 089
- Address: Mihrab Building, 10th Floor, Ring Road Killimani, Nairobi, Kenya
- Instagram: www.instagram.com/shiva_softwares_kenya
- Facebook: www.facebook.com/shivakenya
- Twitter: x.com/ShivaSoftwares
8. Apex Softwares
Apex Softwares builds banking and microfinance technology in Nairobi. Its products cover core banking, mobile wallets, agency and branch banking, internet and mobile banking, and loan origination. It also offers digital field operations, enterprise integration, payment switching, general ledger, reporting, and analytics. The company works on commercial banking, SACCO, credit union, and microfinance use cases. Organizations that want several connected financial modules from one regional provider will find a wide choice here.
Key Facts
- Best for: MFIs, SACCOs, credit unions, and commercial banks
- Core services: Core banking, digital channels, lending, integrations, payment switching
- Specialization: Financial operations automation
- Location: Westlands, Nairobi, Kenya
- Market focus: African financial institutions
Contact Information
- Website: apex-softwares.com
- Email: moc.serawtfos-xepa@ofni
- Phone: +254 736 437 065
- Address: Westlands Business Park 3rd Floor, Suite 305 Waiyaki Way, Westlands
9. Velocity Software Ltd
Velocity Software is a Nairobi-based fintech and banking consulting firm focused on Temenos. It implements, customizes, integrates, migrates, and supports Temenos core banking. It also builds financial software, interfaces, business intelligence, and cloud-based applications. Temenos lists Velocity as a partner for banking software expertise and custom financial software. The firm suits banks running on Temenos better than organizations looking for a standalone proprietary core banking system.
Key Facts
- Best for: Temenos-based banking environments
- Core services: Core banking implementation, customization, integration, migration, custom financial software
- Specialization: Temenos banking technology
- Location: Nairobi, Kenya
- Founded: 2013
Contact Information
- Website: velocity.co.ke
- Email: ek.oc.yticolev@ofni
- Phone: +254204409330
- Address: 3rd Floor, Jadala Place, Ngong Rd, Nairobi, Kenya
- LinkedIn: www.linkedin.com/company/velocity-software-ltd
- Twitter: x.com/vslkenya
10. Calwide Solutions Limited
Calwide Solutions builds technology for SACCOs and financial institutions. Its core banking software runs on Microsoft Dynamics 365 Business Central. The platform handles member records, savings, loans, dividends, reporting, audit trails, and digital access. It integrates with M-Pesa, banks, credit reference systems, KRA, and identity services. Calwide fits cooperative finance and SACCO operations better than large universal banking transformation projects.
Key Facts
- Best for: Kenyan SACCOs and cooperative financial institutions
- Core services: Core banking, ERP, financial integrations, analytics
- Specialization: Microsoft-based SACCO technology
- Location: Nairobi, Kenya
- Integration areas: M-Pesa, banks, KRA, CRB, identity systems
Contact Information
- Website: calwide.co.ke
- Email: ek.oc.ediwlac@ofni
- Phone: +254 796 270 982
- Address: Riara Center, Block C, Suite 1
11. Jawabu Kenya
Jawabu Kenya offers a core banking platform for banks, SACCOs, and microfinance organizations. The system handles financial products, accounting, lending workflows, and cooperative member management. Jawabu also provides other banking channels: mobile apps, USSD, SMS banking, online banking, and POS agency banking. It connects to M-Pesa and Airtel Money. The platform runs in the cloud or onsite and works with several relational database technologies.
Key Facts
- Best for: SACCO and microfinance core banking
- Core services: Core banking, mobile banking, USSD, agency banking, mobile money integrations
- Specialization: Financial institution operations
- Location: Nairobi, Kenya
- Deployment: Cloud and onsite options
Contact Information
- Website: jawabukenya.co.ke
- Email: ek.oc.aynekubawaj@selas
- Phone: (+254)741 153 464
- Address: 5th Floor, Fortis Tower, Woodvale Groove Westlands, Nairobi, Kenya.
12. WebSacco
WebSacco builds digital systems only for SACCOs and microfinance organizations. Its platform combines member management, loans, savings, accounting, reporting, and mobile access, and it can plug into wider core banking environments. WebSacco fits cooperative finance organizations that want to move member and financial records off spreadsheets or scattered tools. Its office is in Upper Hill, Nairobi.
Key Facts
- Best for: SACCO management and cooperative banking
- Core services: Member management, loans, savings, accounting, reporting
- Specialization: Digital SACCO systems
- Location: Upper Hill, Nairobi, Kenya
- Access: Web and mobile
Contact Information
- Website: websacco.com
- Email: moc.occasbew@ofni
- Phone: +254 733 366 240
- Address: Elgon Court, Ralph Bunche Road, Upper Hill, Nairobi, Kenya
13. Sacco ERP
Sacco ERP offers cloud-based core banking and management software for SACCOs and microfinance organizations in Kenya. It covers member registration, loans, shares, dividends, front-office administration, financial management, and payroll. Its banking modules handle loan processing, system administration, security controls, member data, and reporting. The product is narrower than a general banking development company. It fits organizations looking specifically for Kenyan cooperative and microfinance automation.
Key Facts
- Best for: SACCO and microfinance automation
- Core services: Core banking, loans, member management, accounting, reporting
- Specialization: SACCO ERP software
- Market: Kenya
- Deployment: Cloud-based platform
Contact Information
- Website: saccoerp.co.ke
- Email: ek.oc.puorgcirfanus@selas
- Phone: +254 727 852 521
14. Qasava GPS Ltd
Qasava GPS is a Nairobi software development company. It builds banking software along with custom enterprise applications, ERP systems, mobile apps, SaaS platforms, and integrations. Its scope is broader than the banking-focused companies higher on this list. It best suits a financial organization that needs custom software built around its own internal processes rather than an off-the-shelf banking platform. The company serves clients across Kenya and East Africa.
Key Facts
- Best for: Custom banking and business software projects
- Core services: Custom development, banking software, mobile apps, APIs, SaaS
- Specialization: Bespoke enterprise software
- Location: Nairobi, Kenya
- Coverage: Kenya and East Africa
Contact Information
- Website: qasavagps.co.ke
- Email: ek.oc.spgavasaq@ofni
- Phone: +254 745 066 085
Conclusion
Banking software development companies in Kenya cover a wide range of needs, from core banking and SACCO platforms to mobile banking, payments, lending, agency banking, and system integrations. The right partner depends largely on whether a financial institution needs an established banking product, local implementation support, or custom software built around existing infrastructure.
Kenya has several experienced local providers with a strong understanding of regional banking and payment systems, while international development companies such as Itexus can be a better fit for organizations building highly customized digital banking products or modernizing complex platforms. Before choosing a vendor, it makes sense to compare banking expertise, integration capabilities, security requirements, support options, and experience with projects similar to your own.