Solutions
Connect savings, financing and accounting around one client record.
Run deposits and financing for the same members on one platform, with lock periods, approvals, statements and savings-to-financing repayment.
The situation
When savings and credit run on separate systems, the same member exists twice, balances are reconciled by hand and cross-product decisions lack a single view.
Recommended capability stack
Savings products
Deposits, withdrawals and transfers.
Approvals
Controls for locked accounts and withdrawals.
Statements
Account statements and receipts.
Savings-to-financing repayment
Repay financing directly from savings.
Operational risks we address
- Duplicate member records across systems
- Manual reconciliation between savings and credit
- No shared KYC or accounting
- Weak controls on locked accounts and withdrawals