CredifyOS Features
Every tool your institution needs. Nothing you don’t.
CredifyOS is built around how Kenyan MFIs actually operate — with the right dashboard for every role, live data at every level, and workflows that replace the manual processes slowing your team down.
From loan application to M-Pesa disbursement. From member onboarding to SASRA reporting. One platform handles it all.
Trusted by microfinance institutions across Kenya
From application to disbursement — no paperwork required.
Your loan officers shouldn't be spending half their day on admin. CredifyOS digitises every step of the loan lifecycle — application, review, approval, and disbursement — through a guided workflow that cuts processing time and eliminates manual errors. Every loan, every branch, tracked in one place.
- Submit and review loan applications from any device
- Multi-stage approval workflow: BDO → Operations Manager → Finance
- Disburse via M-Pesa, bank transfer, or cheque
- Automated repayment reminders and overdue escalation
- Full loan history and repayment schedule per member
Member Mobile App
Your members expect digital. Give it to them.
When members can check their balance, view their repayment schedule, and make a payment from their phone — they do. CredifyOS comes with a clean, simple mobile app (Android, iOS coming soon) that keeps your institution in your members' pocket and drives repayment behaviour without your team lifting a finger.
- View active loans, balances, and repayment schedules
- Make loan payments directly from the app
- Apply for new loans without visiting a branch
- View full financial portfolio with your institution
- Reduces branch visits and improves on-time repayment rates
Analytics & Reporting
Stop running on last week's numbers.
Leadership shouldn't be waiting for end-of-month reports to know what's happening in the institution. CredifyOS gives every manager a live dashboard — loan performance, repayment trends, portfolio health, and branch comparisons — so decisions get made on current data, not old ones.
- Live loan portfolio tracking across all branches
- Repayment behaviour and default rate monitoring
- Top-performing loan products at a glance
- Exportable reports for audits, board meetings, and SASRA compliance
- Branch-level and institution-wide performance views
Inventory & E-Commerce
Loan-based product sales, built right into your platform.
Most MFIs run inventory and loan-linked product sales on the side — on spreadsheets, WhatsApp, or nothing at all. CredifyOS brings it into the platform. Manage stock, link products to member loans, automate invoicing, and track dispatches — all from the same dashboard your team already uses.
- Manage products, categories, and SKUs from one place
- Link product sales directly to member loans
- Automated invoicing and dispatch tracking
- Stock management with real-time inventory visibility
- No separate system needed — it lives inside CredifyOS
Role-Based Access & User Management
Everyone sees exactly what they need. Nothing more.
CredifyOS is built around how microfinance institutions actually work — with admins, operations managers, BDOs, and branch managers each needing different levels of access. Set up your team in minutes, assign roles, and let the system enforce who can see and do what.
- Three pre-configured dashboards: Admin, Operations Manager, BDO/Branch Manager
- Create and manage user accounts institution-wide
- Role-level access controls on all data and actions
- Audit trails for every action across the platform
- Scales from single-branch to multi-branch institutions
Coming Soon
Savings
A complete savings channel — coming in CredifyOS v2.0.
Member savings management is on its way. Deposit tracking, savings product configuration, and member savings history will be built natively into the platform — no third-party integration needed. Join the waitlist to be first in line when it launches.
- Member savings accounts and deposit tracking
- Configurable savings products
- Savings history visible to members via the mobile app
- Available in CredifyOS v2.0