Nigeria's banking technology market includes local core banking vendors, fintech infrastructure providers, systems integrators, and custom development teams. This list focuses on companies with relevant experience in digital banking, payments, lending, banking integrations, core systems, or financial software, with attention to providers that work directly in Nigeria or support Nigerian financial use cases.
1. Itexus
Itexus builds custom financial software for banks, fintech companies, BaaS providers, lenders, and other regulated financial businesses. On the banking side, it covers mobile and online banking, digital onboarding and KYC, payments, digital wallets, and lending. It also handles card management, fraud monitoring, and core banking integration and modernization.
For Nigeria, Itexus has built a money-transfer app that sends funds from US-issued bank cards to Nigerian bank accounts. The team can also run product discovery, UX/UI, cloud engineering, QA, integrations, modernization, and post-launch support. Choose Itexus when you need more than a packaged banking platform.
Key Facts
- Best for: Custom digital banking and fintech product development
- Core services: Banking software development, banking apps, fintech software, payments, lending, wallets, software modernization
- Project types: Mobile banking, online banking, BaaS, financial APIs, back-office systems
- Delivery model: Custom end-to-end development and dedicated fintech engineering teams
- Location: United States headquarters with European development offices and international delivery
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. CWG Plc
CWG works with financial institutions on banking software, managed services, infrastructure, and systems integration. For financial services, it offers core banking systems, payment platforms, and fraud management tools, and it supports Finacle deployments.
CWG says its platforms and services support a significant share of Nigeria's financial institutions. It fits established banks that need help with core banking implementation, infrastructure, integration, and ongoing operations. It is less suited to a standalone mobile app project.
Key Facts
- Best for: Core banking implementation and enterprise banking infrastructure
- Core services: Core banking, payments, fraud management, managed services, integration
- Banking platform experience: Finacle
- Industries: Banks and other financial institutions
- Location: Nigeria
Contact Information
- Website: cwg-plc.com
- Email: moc.clp-gwc@ofni
- Phone: 07074699822
- Address: Block 54A, Plot 10, Off Rufus Giwa Street, Off Adebayo Doherty Road, Off Admiralty Way, Lekki Phase 1, Lagos
- LinkedIn: www.linkedin.com/company/cwgafrica
- Instagram: www.instagram.com/cwgafrica
- Facebook: www.facebook.com/CWGNigeria
- Twitter: x.com/cwgafrica
3. Inlaks
Inlaks provides core banking and related financial technology to commercial banks, microfinance banks, mortgage institutions, asset managers, and other financial organizations. Its banking work centers on Temenos applications, digital channels, and treasury systems. It also covers financial crime management, data analytics, testing, software development, upgrades, and managed support.
The company has an office in Lagos and serves institutions across West Africa. Banks turn to Inlaks to implement, re-implement, upgrade, or integrate an established enterprise banking platform.
Key Facts
- Best for: Temenos core banking implementation and modernization
- Core services: Core banking, digital channels, software development, implementation, managed services
- Banking platform: Temenos
- Target clients: Commercial banks, microfinance banks, mortgage banks, other financial institutions
- Location: Lagos, Nigeria
Contact Information
- Website: www.inlaks.com
- Email: moc.skalni@ofni
- Phone: +234 702 668 0111
- Address: 1611 Adeola Hopewell Street, Victoria Island, Lagos, Nigeria
- LinkedIn: www.linkedin.com/company/inlaks
- Instagram: www.instagram.com/inlaksltd
- Facebook: www.facebook.com/Inlaksltd
4. Qore
Qore builds banking infrastructure for financial institutions, fintech companies, digital banks, microfinance banks, mortgage banks, cooperatives, and commercial banks. Its BankOne platform pairs cloud-based core banking with APIs, digital channels, and payments. It also handles lending, card services, and account management.
Qore grew out of Appzone's banking software business and now focuses only on automating financial institutions. Pick it if you want a ready banking platform that you can still customize and connect to other digital products through APIs.
Key Facts
- Best for: Cloud-native core banking and Banking-as-a-Service infrastructure
- Core services: Core banking, APIs, digital channels, lending, cards, payments
- Flagship platform: BankOne
- Target clients: Banks, neobanks, fintechs, MFBs, mortgage banks
- Market focus: Nigeria and other African markets
Contact Information
- Website: qore.inc
- Email: cni.eroq@ofnI
- Phone: 0802 342 5699
- Address: 12b, Admiralty Way, Lekki Phase 1, Lagos.
- LinkedIn: www.linkedin.com/company/qorebanking
- Instagram: www.instagram.com/qorebanking
- Twitter: x.com/QoreBanking
5. Codalm Alliance Limited
Codalm Alliance builds financial applications and banking infrastructure for Nigeria and the wider African market. Its products include BankCore for microfinance institutions and a Bank-in-a-Box platform. It also offers payment systems, lending components, wallets, billing infrastructure, and custom fintech apps.
Besides its own products, Codalm builds bespoke applications and connects them to existing legacy systems through APIs. This suits smaller financial institutions or fintech companies that want a ready banking base but expect heavy customization of workflows, channels, or third-party services.
Key Facts
- Best for: Customizable banking platforms for MFBs and fintech companies
- Core services: Core banking, digital banking, fintech apps, payments, API integration
- Products: BankCore, Bank-in-a-Box, biller infrastructure
- Specialization: Nigerian and African financial technology
- Location: Lagos, Nigeria
Contact Information
- Website: codalm.com
- Email: moc.mladoc@ofni
- Phone: +234 701 860 7913
- Address: 5B Daranijo Estate Off Wamco Road, Ogba Lagos
- Facebook: www.facebook.com/codalmhq
6. Upperlink Limited
Upperlink combines software development with regulated payment infrastructure in Nigeria. It works on payment processing, bank integrations, and financial tools. Its product BAMS is a bank account monitoring system for organizations that hold accounts at several banks.
The Central Bank of Nigeria licenses Upperlink as a Payment Solution Service Provider, and it works with Nigerian banking and payment infrastructure. Use Upperlink for payment-heavy projects, treasury apps, transaction reporting, and financial integrations. It is a weaker choice for replacing a full core banking system.
Key Facts
- Best for: Payments, bank integrations, and treasury technology
- Core services: Payment infrastructure, financial software, APIs, account monitoring
- Product: BAMS
- Regulatory status: CBN-licensed Payment Solution Service Provider
- Location: Lagos and Abuja, Nigeria
Contact Information
- Website: upperlink.ng
- Email: gn.knilreppu@ofni
- Phone: +234 903 6581 855
- Address: ASSBIFI House, Plot 4 ASSBIFI Road, Central Business District, Alausa, Ikeja. Lagos. Nigeria
7. Integrated Software Services Limited
Integrated Software Services Limited, or ISSL, builds software only for financial institutions. It offers core banking, mobile and internet banking, KYC technology, and financial middleware. It also covers governance and risk tools and digital onboarding.
IntegraBanking is one of ISSL's main banking products. The company has an office in Lagos and works only with financial organizations. Consider ISSL if you want local support for both back-office systems and customer-facing digital channels.
Key Facts
- Best for: Locally supported core and digital banking systems
- Core services: Core banking, mobile banking, internet banking, KYC, financial middleware
- Product: IntegraBanking
- Specialization: Banking and financial services technology
- Location: Lagos, Nigeria
Contact Information
- Website: isslng.com
- Email: moc.gnlssi@sliam
- Phone: +234 8033151879
- Address: 2nd Floor, Tapa House, Surulere, Lagos
8. Datalinks Finance and Systems Consulting Limited
Datalinks builds Eazybank AX, a multi-branch, multi-currency banking application for small and midsize financial institutions. The platform covers the general ledger, customer management, retail operations, credit and risk management, and money markets. It also handles reporting and connects to Nigerian financial infrastructure such as NIBSS.
Datalinks also offers bespoke software development, business intelligence, implementation, and training. It is headquartered in Lagos and focuses on Nigerian financial institutions. Mortgage banks, microfinance institutions, and finance companies that want a locally built banking system are its natural clients.
Key Facts
- Best for: Small and midsize banks requiring locally developed core banking software
- Core services: Banking software, bespoke development, BI, implementation, support
- Product: Eazybank AX
- Integrations: NIBSS and other financial systems
- Location: Lagos and Abuja, Nigeria
Contact Information
- Website: datalinksltd.com
- Email: moc.dtlsknilatad@ofni
- Phone: +234 1 453 5748
- Address: 1, Olusola Olude Close, Off Lanre Awolokun Street, Gbagada Estate Phase II, Lagos, Nigeria.
9. Optisoft Technology Company Limited
Optisoft offers custom software development and its own Ezone Core Banking Application. Ezone is a cloud-based SaaS product for microfinance banks and other financial organizations. It handles customer onboarding, lending, repayments, accounting, reporting, collections, and integrations.
Based in Lagos, Optisoft also builds web apps, mobile products, databases, workflow automation, and enterprise systems. So it can deliver both the core platform and the extra software a financial institution needs beyond its standard banking package.
Key Facts
- Best for: Microfinance banking systems with custom extensions
- Core services: Core banking, custom software, mobile apps, process automation
- Product: Ezone Core Banking Application
- Delivery model: SaaS and custom development
- Location: Lagos, Nigeria
Contact Information
- Website: optisoft.ng
- Email: gn.tfositpo@ofni
- Phone: 07088957111
- Address: 4th Floor Polaris Bank Building 30 Marina Street CMS bus stop Lagos Island, Lagos State Nigeria
- LinkedIn: www.linkedin.com/company/optisoft-solutions
- Instagram: www.instagram.com/optisoftng
- Facebook: www.facebook.com/optisoftdev
- Twitter: x.com/optisoftng
10. Codezone Limited
Codezone builds fintech infrastructure for banks and financial organizations from its base in Lagos. It works on core banking systems, agency banking infrastructure, merchant management, and lending apps. It also builds POS and terminal management systems and does custom engineering.
Codezone's published projects include a POS and terminal management system and a loan origination platform for microfinance banks. Codezone fits projects where banking software must work with field agents, merchant networks, payment terminals, or automated lending.
Key Facts
- Best for: Agency banking, lending, and payment infrastructure
- Core services: Core banking, agency banking, payments, lending, custom engineering
- Project types: POS systems, TMS, loan origination, payment gateways
- Target clients: Banks, microfinance institutions, fintech companies
- Location: Ikeja, Lagos, Nigeria
Contact Information
- Website: www.codezonne.com
- Email: moc.enozedoc@stroppus
- Phone: +234 703 007 9671
- Address: 2 Itohan Street, Ikeja, Lagos, Nigeria
11. iVillage Technology
iVillage Technology builds banking and payment software as well as general enterprise systems. Its banking solution serves organizations from microfinance institutions to digital-first banks. It covers account management, lending, reporting, compliance processes, and external integrations.
The company also builds payment gateway technology and custom enterprise software. With a presence in Nigeria, iVillage suits organizations that want a local partner for both financial platforms and the business systems around them.
Key Facts
- Best for: Modular banking and payment software
- Core services: Banking software, payment gateways, enterprise development
- Capabilities: Account management, lending, reporting, compliance tools, integrations
- Location: Ikeja, Lagos, Nigeria
Contact Information
- Website: www.ivillagetech.com
- Email: moc.hcetegallivi@ofni
- Phone: +234 911 110 0007
- LinkedIn: www.linkedin.com/company/inclusive-village
- Instagram: www.instagram.com/inclusivevillage_
- Twitter: x.com/ivillagetech
12. Emicraft Tech Solutions
Emicraft Tech Solutions builds software for fintech businesses and bank digital channels from Lagos and Abuja. Its fintech work covers web and mobile apps, payments, digital banking interfaces, wallets, and payouts. It also handles cloud infrastructure and control or audit features.
Emicraft mainly builds the customer and operational channels that sit in front of an existing core system. Banks can use it to modernize mobile, web, agency, or SME banking without replacing their core banking platform.
Key Facts
- Best for: Digital banking channels connected to existing core systems
- Core services: Mobile apps, web apps, payments, wallets, cloud and DevOps
- Banking focus: Retail, agent, and SME banking channels
- Location: Lagos and Abuja, Nigeria
Contact Information
- Website: www.emicrafttech.com
- Email: moc.hcettfarcime@nimda
- Phone: +234 903 256 9595
13. Factorial Systems
Factorial Systems is a Lagos-based engineering company that builds and deploys production software for Nigerian and West African organizations. It has built core banking for microfinance operations, as well as enterprise integrations and other large-scale systems.
Factorial is a focused engineering team, not a packaged banking software vendor. Financial organizations can bring it custom architecture, difficult integrations, modernization, or requirements that a standard banking platform does not cover.
Key Facts
- Best for: Custom engineering and complex banking integrations
- Core services: Software engineering, deployment, systems integration
- Relevant experience: Core banking and enterprise systems
- Market focus: Nigerian and West African organizations
- Location: Lagos, Nigeria
Contact Information
- Website: factorialsystems.io
- Email: oi.smetsyslairotcaf@ofni
- Phone: +234 818 811 1333
Conclusion
Banking software development companies in Nigeria cover a wide range of needs, from core banking platforms and payment infrastructure to mobile banking, lending systems, integrations, and custom fintech products. The right choice depends largely on the project itself. An established bank replacing legacy systems will have different priorities from a microfinance institution launching digital channels or a fintech building a new product from scratch.
Local providers can bring valuable knowledge of Nigerian payment infrastructure, regulatory requirements, and banking workflows, while international development teams can be a strong option for custom products, modernization, and complex integrations. Before choosing a partner, compare relevant banking experience, technical capabilities, integration expertise, security practices, and the level of long-term support available after launch.