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 develops custom financial software for banks, fintech companies, BaaS providers, lenders, and other regulated financial businesses. Its banking capabilities cover mobile and online banking, digital onboarding and KYC, payments, digital wallets, lending, card management, fraud monitoring, and core banking integration and modernization.
For projects connected with Nigeria, the company's portfolio includes a money-transfer application designed to move funds from US-issued bank cards to Nigerian bank accounts. Itexus can also handle product discovery, UX/UI, cloud engineering, QA, integrations, modernization, and post-launch software support, making it relevant when the requirement extends beyond 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. Its financial-services portfolio includes core banking systems, payment platforms, fraud management tools, and support for Finacle deployments.
The company says its financial technology platforms and related services support a significant share of Nigeria's financial institutions. This makes CWG particularly relevant to established banks and other institutions dealing with core banking implementation, infrastructure, integration, and ongoing operational support rather than a standalone mobile application 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 complementary financial technology solutions to commercial banks, microfinance banks, mortgage institutions, asset managers, and other financial organizations. Its banking work includes Temenos applications, digital channels, treasury systems, financial crime management, data analytics, testing, software development, upgrades, and managed support.
The company has a physical presence in Lagos and positions its financial solutions for institutions across West Africa. Its role is especially relevant where a bank needs implementation, re-implementation, upgrading, or integration around 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 develops banking infrastructure for financial institutions, fintech companies, digital banks, microfinance banks, mortgage banks, cooperatives, and commercial banks. Its BankOne platform combines cloud-based core banking with APIs, digital channels, payments, lending capabilities, card services, and account management.
The company grew out of Appzone's banking software operations and now focuses specifically on automating financial institutions. Qore is useful for organizations that want an existing banking platform that can still be customized and connected to additional 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 develops financial applications and banking infrastructure for the Nigerian and broader African market. Its portfolio includes BankCore for microfinance institutions, a Bank-in-a-Box platform, payment systems, lending components, wallets, billing infrastructure, and custom fintech applications.
Alongside its packaged products, Codalm provides bespoke application development and API integration with existing legacy systems. That mix can suit smaller financial institutions or fintech companies that need a ready banking foundation but still expect substantial customization around 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. Its banking-related technology includes payment processing, bank integrations, financial tools, and BAMS, a bank account monitoring system intended for organizations managing accounts across multiple banks.
The company is licensed by the Central Bank of Nigeria as a Payment Solution Service Provider and works with Nigerian banking and payment infrastructure. Upperlink is more relevant to payment-heavy banking projects, treasury applications, transaction reporting, and financial integrations than to a conventional full-scale core banking replacement.
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, commonly known as ISSL, develops software specifically for financial institutions. Its portfolio includes core banking, mobile and internet banking, KYC technology, financial middleware, governance and risk tools, and digital onboarding.
IntegraBanking is one of the company's main banking products. With its office in Lagos and a service portfolio built around financial organizations, ISSL can be considered for institutions that want locally supported banking technology covering both back-office operations 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 develops Eazybank AX, a multi-branch and multi-currency banking application built for small and midsize financial institutions. The platform includes general ledger, customer management, retail operations, credit and risk management, money-market functionality, reporting, and integrations with Nigerian financial infrastructure such as NIBSS.
The company also provides bespoke software development, business intelligence, implementation, and training. Its Lagos headquarters and focus on Nigerian financial institutions make it particularly relevant to mortgage banks, microfinance institutions, and finance companies that need a locally developed banking system.
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 provides custom software development alongside its Ezone Core Banking Application. Ezone is a cloud-based SaaS product aimed at microfinance banks and other financial organizations, with functionality for customer onboarding, lending, repayments, accounting, reporting, collections, and integrations.
The company is based in Lagos and also develops web applications, mobile products, databases, workflow automation, and enterprise systems. Optisoft can therefore cover both the core platform and supporting software when a financial institution needs functionality that goes 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 develops fintech infrastructure for banks and financial organizations from its base in Lagos. Its work includes core banking systems, agency banking infrastructure, merchant management, lending applications, POS and terminal management systems, and custom engineering.
Published projects include technology for microfinance banking environments, such as a POS and terminal management system and a loan origination platform. This makes Codezone particularly relevant when a project combines banking software with field agents, merchant networks, payment terminals, or automated lending workflows.
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 develops banking and payment software alongside broader enterprise systems. Its banking solution is designed for organizations ranging from microfinance institutions to digital-first banks, with features covering account management, lending, reporting, compliance processes, and external integrations.
The company's portfolio also includes payment gateway technology and custom enterprise development. Its Nigerian presence and banking-oriented software make it a potential fit for organizations that want a local development partner capable of working on both financial platforms and the surrounding business systems.
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 develops software for fintech businesses and bank digital channels from its Lagos and Abuja operation. Its financial technology practice covers web and mobile applications, payments, digital banking interfaces, wallets, payouts, cloud infrastructure, and control or audit functionality.
The company's banking work is primarily focused on customer and operational channels that sit in front of an existing core system. This positioning can make sense for banks that want to modernize mobile, web, agency, or SME banking experiences without replacing the underlying 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. Its experience includes core banking for microfinance operations alongside enterprise integration and other large-scale systems.
The company operates as a relatively focused engineering team rather than a packaged banking software vendor. That can be useful for financial organizations dealing with custom architecture, difficult integrations, modernization work, or technical requirements that do not fit neatly into a standard banking platform.
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.