OZI Core Banking
Your whole bank. One map.
Seven connected lines run your accounts, loans, cash, books, digital channels and growth on a single core. One branch or fifty — every branch runs on the same platform, and head office sees them one at a time or all together.
- Connected lines
- 7
- Connected lines
- Stations
- 49
- Stations
- Set of books
- 1
- Set of books
Built for
- Microfinance banks
- Cooperative societies
- Thrift operators
- Fintech lenders
- Savings & loans providers
- Micro-credit businesses
The route map
Seven connected lines. One core.
A customer opens an account, saves, borrows, repays, transfers and pays bills on their phone. Behind them, your tellers balance tills, your officers chase arrears and your accountants close the month. All of it runs on one core, with one set of books.
Customers & Accounts
- Account opening, in branch or on mobile
- Savings & deposit accounts
- Unlimited customer accounts
- Customer records & profiles
Lending
- Automated loan management
- Disbursement & repayment schedules
- Savings-linked lending
- Repeat-borrower tracking
Risk & Recovery
- Arrears monitoring
- Recovery follow-up for loan officers
- Cash analysis & fraud control
- Overrides and reversals logged
Cash & Operations
- Teller till balancing
- Vault management
- Unlimited branches
- Staff roles & branch transfers
Finance & Reporting
- One unified set of books
- Profit & loss and balance sheets
- Income & expense postings
- Month-end close & data backup
Digital & Payments
- Free branded mobile app
- Card, USSD & bank transfer
- Bill payments
- Real-time SMS, email & push alerts
Growth & Control
- Business development pipeline — prospects from New to Won, with follow-up reminders
- Grow existing customers — ready-made call lists for maturing deposits and repeat borrowers
- Monthly targets — per officer, tracked automatically from real results
- Multi-branch, one head office — branch views or consolidated, in one click
- Roles & maker-checker — no one approves their own work; view-only reviewers
- Sensitive activity log — every override, reversal and access change recorded
- Support diagnostics — vault sync, stuck transfers and balance mismatches
Features
Everything you get with OZI
Automated savings & loan management
Automate the full savings and loan lifecycle, from account opening and contributions to disbursement, repayment and interest.
Card, USSD & bank transfer
Members transact through a dedicated mobile app, cards, bank transfer or USSD — no internet data required for USSD.
Free branded mobile app
A customised app on the app stores lets members transact and new customers open accounts remotely.
Unlimited branches
Create and manage branches from anywhere. When it's time to expand, adding a branch takes minutes.
Staff management
Create staff, assign roles and access levels, and move staff between branches as your needs change.
Financial management
Review balance sheets, income and expense postings for clear, accurate financial analysis.
Cash analysis & fraud control
Monitor and control cash flow across branches to reduce leakages and prevent fraud.
Customer communication
Send individual or bulk messages to members by SMS and email, plus customisable real-time transaction notifications.
Fast, scalable & backed up
A high-speed system that scales with your business, with data you can download and back up at any time.
“We are already opening branches in less than a month we started using MinervaHub's Core Banking Application.”
Uchenna Ojukwu
MD, Royal Marshal Cooperative
FAQ
OZI questions, answered
- How secure is the core banking application?
- We use three-layer encryption technology to transmit data through a secure link.
- How many branches can I create?
- Unlimited branches.
- Is there a charge for creating branches?
- No. Creating branches is free.
- How many staff can I create?
- You can create unlimited staff.
- I can't find my logo and business name on the mobile app. What should I do?
- Update your business logo in the core banking application, then request that your business be listed on the mobile app.
- I can't create new users. What should I do?
- Ensure all products have been duly added in the application, then try again.
See OZI in action
Book a free live demo and we'll walk you through how it fits your institution.