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QuantumNest Technologies
QuantumNest
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SACCOs & Microfinance

Member, loan and repayment systems with M-Pesa built in

Digital member onboarding, loan applications, automated M-Pesa repayments and statements for SACCOs, chamas and lenders.

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Sound familiar?

What slows saccos down

These are the everyday problems we design around. Every module below can be built on its own or together.

  • Repayments matched to members by hand
  • Paper or Excel loan applications
  • Members calling to ask for balances
  • No early warning on loans at risk

What we can build

Modules

  • 01

    Member portal and app

    Members check savings, loans and statements, and apply for loans from their phone.

  • 02

    Loan management

    Products, interest rules, guarantors, approvals, disbursement by B2C and repayment schedules.

  • 03

    M-Pesa collections

    Paybill repayments matched automatically to member accounts, with receipts by SMS.

  • 04

    Credit scoring

    Optional model that scores applications using your repayment history.

  • 05

    USSD access

    Balance and mini-statement for members without smartphones.

  • 06

    Reports

    Portfolio at risk, collections and dividends in dashboards your board understands.

Services behind this solution

  • from KES 6,000

    Payments & M-Pesa Integration

    Daraja STK Push, C2B, B2C and reconciliation, plus Paystack, Flutterwave, Pesapal, Stripe and PayPal.

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  • from KES 150,000

    Custom AI & Model Training

    Fine-tuned LLMs, forecasting, credit scoring, fraud detection, OCR and trading signal models, deployed as APIs.

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  • from KES 45,000

    Data, Dashboards & Analytics

    Business dashboards, data pipelines, KPI reports and reconciliation, built on your existing data.

    Learn more

FAQ

Questions we hear often

Something else? Ask us directly and you'll get a straight answer.

Can members repay with their member number as the account?

Yes. With a Paybill, the account number field can carry the member or loan number. The system matches the payment and updates the balance automatically.

Is member data kept secure?

Yes. We use role-based access, encryption and audit logs, and design with the Kenya Data Protection Act 2019 in mind.

Have a project in mind?

Tell us what you need. You'll get a reply within one working day, with honest advice and a clear next step.

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Mon–Sat, 8:00–18:00 EAT · Nairobi, Kenya