BomaOS runs your entire SACCO — savings, loans, compliance, payments — on the channels your members already use. WhatsApp. USSD. M-Pesa. No app downloads, no matatu trips to the branch. SASRA reports generate themselves.
You've seen it. Members queue at the branch for a balance check. Loan applications sit on someone's desk for two weeks. The finance officer stays late before every SASRA deadline. And when a teller discrepancy shows up, nobody can trace what happened.
When checking a balance means a trip to town, members just... stop. Deposits drop. Young members leave for mobile banking apps.
A member needs school fees money by Friday. Your loan committee meets next Thursday. By then they've borrowed from a shylock at 20% monthly.
Tellers handle millions in cash daily. No real-time reconciliation, no supervisor override, no instant audit trail. You find problems at month-end — too late.
Every quarter, your team scrambles to compile Form 4, PAR ratios, CRB submissions. One mistake, one late filing — and SASRA sends a letter you don't want.
Form 4 XML, PAR analysis, liquidity ratios, CRB submissions, goAML reports, KRA eTIMS — they generate automatically. Your compliance officer reviews and submits. No more quarter-end panic.
See what's covered →A member in Mombasa deposits via M-Pesa on WhatsApp at 11pm. A mama mboga in the village checks her balance on USSD. A diaspora member in Dubai joins via the web portal. No branch needed.
See how it works →BomaScore checks savings history, repayment record, and guarantor standing — in seconds. Your credit committee gets a recommendation before they even open the file. No more vibes-based lending.
See the scoring →Your members chat, send money, and run businesses on WhatsApp daily. If your SACCO isn't there, you're asking them to do extra work to save with you.
Your members can get a Fuliza overdraft in 3 seconds. If your loan process takes 2 weeks, they'll borrow digitally and forget about the SACCO.
New prudential guidelines, eTIMS compliance, AML reporting to FRC — the regulatory bar keeps going up. SACCOs running on Excel are one inspection away from trouble.
70% of Kenya is under 35. They bank on their phones. A SACCO that can't be accessed digitally won't see the next generation of depositors.
No app to download. No training. Members use what they already have.
Check balance, deposit via M-Pesa, apply for a loan, get a PDF statement — all in a chat. English and Swahili. Works for diaspora members too.
Dial a short code, check your balance, request a loan. Works on any phone — even a KES 500 Kabambe in Turkana. No internet needed.
13 roles — from teller terminal to board portal. Each person sees exactly what they need, nothing more. Real-time, browser-based.
Illustrative projections for a 1,000-member SACCO with a KES 50M loan portfolio.
Digital access removes branch friction. On a KES 50M base: an estimated KES 5–6M additional deposits annually.
From 2–4 weeks to under 24 hours. Automated assessment in seconds; human approval in minutes.
Rule-based credit assessment flags high-risk applications before approval. Estimated year-one improvement.
Loan officers reclaim an estimated 150 hours per month from manual form processing and report compilation.
Illustrative estimates based on comparable cooperative digitisation outcomes in East Africa. Actual results vary by SACCO size and operational baseline.
We'll walk you through the member experience, the teller terminal, the compliance dashboard — using numbers that look like yours. 30 minutes, no pressure.
Built in Kenya · SASRA Regulated · Kenya DPA 2019 · M-Pesa Daraja · KRA eTIMS · POCAMLA Compliant