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 develops custom fintech and banking software for financial institutions, fintech companies, and other businesses building regulated financial products. Its banking capabilities cover mobile and online banking, digital onboarding and KYC, lending, payments, digital wallets, card management, fraud monitoring, and core banking integration and modernization. The company also handles API integrations with banks, payment providers, KYC services, credit bureaus, and legacy systems. For Kenyan organizations that need a custom product rather than a packaged local core banking platform, its development model provides an option for building or extending 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 financial technology company with software focused directly on banks, microfinance organizations, and other financial institutions. Its portfolio includes core banking, digital channels, mobile financial services, payments, microfinance software, and related infrastructure. The company's core banking technology is designed to manage banking processes and channel integrations from a central platform. Craft Silicon has operations beyond Kenya as well, making it relevant to institutions that expect a 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 develops banking and financial software from its headquarters in Nairobi. Its portfolio covers core banking through Tijara CBS, mobile banking, internet banking, agency banking, payment services, middleware, API management, and system integration. Tijara includes account, customer, teller, credit, product, reporting, and access-management functions, while the company's integration platform can connect core banking systems with switches, ERP software, mobile operators, and third-party services. This combination makes Eclectics relevant 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 combines proprietary financial software with implementation, consulting, QA, and software development services. Its product range includes finFinancials for SACCOs and microfinance institutions, finMobile for mobile banking, finIB for internet banking, finAgent for agency banking, ChequePoint for clearing and settlement, and FinAnalytics for financial reporting. The company also offers software development as a service, giving institutions an option to commission custom work around existing financial platforms. Its Kenya delivery presence is supported by teams 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 develops payment and banking technology from Nairobi, with particular depth in agency banking, merchant acquiring, payment terminals, card issuance, integrations, and transaction infrastructure. Its agency banking platform supports functions such as deposits, withdrawals, transfers, account opening, bill payments, balance inquiries, and agent reporting. Tracom also develops software for web, mobile, POS, and ATM environments. The company is a practical fit for banks looking to expand payment acceptance, agent networks, or transaction channels rather than replace an entire core banking platform.
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 concentrates specifically on technology for financial institutions. Its TierCBS platform provides core banking functionality for banks, SACCOs, microfinance providers, lending institutions, and savings groups. The company also offers internet banking, mobile banking, agency banking, digital lending, mobile money integration, and third-party system integration. This narrower financial-services focus can be useful for organizations that want a vendor familiar with multiple parts of a banking technology stack rather than a general-purpose software development agency.
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 develops banking technology for financial institutions in Kenya and neighboring markets. Its Shiva Core Banking System manages accounts, deposits, loans, and related banking functions through a web-based platform. The wider banking portfolio includes agency banking, mobile banking, WhatsApp banking, payment systems, and API integration. With its Nairobi office and focus on regional financial institutions, Shiva is particularly relevant to smaller banks, microfinance organizations, and cooperatives that want local implementation and support alongside 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 develops banking and microfinance technology from Nairobi. Its portfolio covers core banking, mobile wallets, agency and branch banking, internet and mobile banking, loan origination, digital field operations, enterprise integration, payment switching, general ledger functions, reporting, and analytics. The company works across commercial banking, SACCO, credit union, and microfinance use cases. Its broad product set makes it suitable for organizations looking for several connected financial modules from one regional technology provider.
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 financial technology and banking consulting firm with a strong focus on Temenos. Its work covers Temenos core banking implementation, customization, integration, migration, support, financial software development, interfaces, business intelligence, and cloud-based applications. Temenos also lists Velocity as a partner providing banking software expertise and custom financial software services. This makes the company more relevant to banks working with Temenos infrastructure than organizations seeking 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 develops technology for SACCOs and financial institutions, with core banking software built around Microsoft Dynamics 365 Business Central. Its banking platform covers member records, savings, loans, dividends, reporting, audit trails, and digital access. Integration capabilities include M-Pesa, banks, credit reference systems, KRA, and identity services. Calwide is therefore more closely aligned with cooperative finance and SACCO operations 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 provides a core banking platform for banks, SACCOs, and microfinance organizations. Its system supports financial products, accounting, lending workflows, cooperative member management, and multiple deployment environments. Jawabu also supplies alternate banking channels including mobile apps, USSD, SMS banking, online banking, POS agency banking, M-Pesa, and Airtel Money connections. The platform can run in cloud or onsite environments and supports 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 is focused specifically on digital systems for SACCOs and microfinance organizations. Its platform combines member management, loans, savings, accounting, reporting, and mobile access, with support for integration into wider core banking environments. The narrow product focus makes WebSacco most relevant to cooperative finance organizations that need to move member and financial administration away from spreadsheets or fragmented 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 provides cloud-based core banking and management software for SACCOs and microfinance organizations in Kenya. The platform covers member registration, loans, shares, dividends, front-office administration, financial management, payroll, and related operational functions. Its banking modules include loan processing, system administration, security controls, member data, and reporting. The product is more specialized than a general banking development company, but it fits organizations searching 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 whose service portfolio includes banking software alongside custom enterprise applications, ERP systems, mobile apps, SaaS platforms, and integrations. It is a broader development provider than the banking-focused companies higher on this list, so its strongest fit is likely a financial organization that needs custom software built around unique internal processes rather than an established off-the-shelf banking platform. The company serves organizations 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.