One infrastructure.
Intelligence for African finance.
Finapp provides the infrastructure behind digital guarantees, credit, insurance, payments and financial decision intelligence—helping African institutions launch, operate and scale better financial products.
Financial services require more than software.
Institutions need infrastructure that connects products, customers, decisions, payments and operations. Finapp combines financial workflows, intelligent decision systems and partner integrations into platforms that can be deployed, operated and scaled across African markets.
Financial workflows
Configure and operate end-to-end journeys for guarantees, credit, insurance and related financial products.
Decision intelligence
Use data, rules and AI to assess risk, identify exceptions and improve financial decisions.
Payments & integrations
Connect collections, disbursements and reconciliation with banks, payment providers and core systems.
Technology for the full financial product lifecycle
One infrastructure. Multiple financial products.
Finapp Intelligence
- AI-powered decisioning
- Risk scoring & credit models
- Real-time risk signals
- Anomaly & fraud detection
- AI-assisted review & recommendations
Text summary of the platform architecture
Finapp is organised into four layers. The product applications layer contains AutoBonds, Finapp Core, BimaPro, Finapp Intelligence and Finapp Pay. These sit on an intelligence layer providing decisioning, risk scoring, AI models, fraud detection and reporting. Beneath that, a transaction layer handles workflow, rules, document management, audit trail and notifications. At the base, a connectivity layer links APIs, core banking, payment rails, KYC, partners and data sources.
AutoBonds in market
AutoBonds demonstrates how Finapp brings financial institutions, intermediaries and businesses together through a single digital guarantee workflow.
Learn more →Build your next financial product on Finapp.
Whether you are digitising an existing operation or launching a new financial proposition, Finapp provides the infrastructure to move from concept to market.
Get in touch
Reach the Finapp Systems team directly, or use "Talk to an expert" anywhere on the site.
Digital infrastructure for guarantees and trade finance
AutoBonds connects businesses, agents and financial institutions through one digital platform for originating, issuing and managing guarantees.
Guarantee issuance was never built for the way business happens today
Guarantee issuance is often fragmented across emails, physical documentation, manual pricing, disconnected payments and slow institutional approvals.
AutoBonds brings the complete guarantee journey into one controlled digital workflow.
Everything needed to run a guarantee business digitally
- Bid bond and guarantee origination
- Configurable products and rate cards
- Customer, agent and partner portals
- Automated document generation
- Approval and exception workflows
- Payments, settlement and reconciliation
- Amendments, cancellations and extensions
- Portfolio monitoring and reporting
- Verification and digital audit trails
From request to issued guarantee
Request
A contractor or agent selects the required guarantee, enters the tender details and uploads supporting documents.
Assess
The system validates the request, applies product rules, calculates charges and routes exceptions for review.
Pay
The customer completes payment through the configured payment channel.
Issue
The financial institution approves and issues the guarantee through the partner workflow.
Manage
The customer, agent and institution can track the guarantee, download documents and manage subsequent changes.
Built for every side of the guarantee relationship
Operating in market
AutoBonds supports a financial ecosystem reaching more than 28,000 contractors, with institutional partners and digital guarantee products already deployed.
Digitise your guarantee business with AutoBonds
AutoBonds brings originating, issuing and managing guarantees into one connected, auditable workflow.
Modern credit infrastructure for lenders
Finapp Core gives lenders the workflows, controls and portfolio visibility required to originate, approve, service and manage credit products digitally.
Credit operations scattered across disconnected tools
Many lenders operate across disconnected onboarding tools, spreadsheets, manual credit reviews, accounting systems and collection processes.
Finapp Core creates one operating environment for the complete credit lifecycle.
One environment for the entire credit lifecycle
Customer management
- Individual and business onboarding
- Identity and document verification
- Customer profiles and relationship records
- Consent and communication management
Product configuration
- Loan product builder
- Interest, fee and penalty rules
- Repayment structures
- Eligibility requirements
- Approval limits and policies
Loan origination
- Digital applications
- Document collection
- Site visits and evaluations
- Credit assessment
- Maker-checker workflows
- Credit committee management
Loan servicing
- Loan account management
- Disbursement workflows
- Repayment schedules
- Arrears and collections
- Restructuring and settlements
- Portfolio monitoring
Financial controls
- Transaction journals
- General-ledger integration
- Reconciliation
- Posting approvals
- Management and regulatory reports
Configure, originate, assess, disburse, service
Configure
The lender defines products, rates, eligibility rules and approval structures.
Originate
Customers apply through branch, agent, web or embedded channels.
Assess
Applications move through verification, credit analysis and approval.
Disburse
Approved facilities are disbursed through integrated payment and banking channels.
Service
The institution monitors repayment, arrears, collections and portfolio performance.
Built for every kind of lender
Finapp Core connects to Finapp Intelligence for
- Credit scoring
- Affordability assessment
- Application recommendations
- Fraud and anomaly indicators
- Early-warning signals
- Portfolio risk analysis
Built on live infrastructure
Finapp Core runs on the same underlying platform already processing guarantees through AutoBonds in market. Request a demonstration to see it configured for your credit products.
Build and operate better credit products
Give your team one connected environment to originate, assess, disburse and service credit — with the controls regulators and risk teams expect.
Digital infrastructure for insurance distribution and operations
BimaPro helps insurers, intermediaries and distribution partners originate policies, collect premiums and manage the insurance lifecycle digitally.
Distribution still runs on manual quotations and fragmented records
Insurance distribution remains dependent on manual quotations, fragmented agent processes, disconnected payment records and slow policy administration.
BimaPro provides one digital infrastructure connecting customers, intermediaries and insurers.
One infrastructure connecting customers, intermediaries and insurers
Product configuration
- Insurance product builder
- Rates and underwriting rules
- Covers, limits and exclusions
- Commission structures
- Required documents
Distribution
- Agent and intermediary portals
- Direct customer journeys
- Bancassurance and embedded insurance
- White-labelled partner channels
- Lead and quotation management
Policy operations
- Quotations
- Applications and underwriting
- Policy issuance
- Certificates and schedules
- Endorsements
- Renewals and cancellations
Premium management
- Premium collections
- Instalment tracking
- Payment matching
- Insurer settlement
- Commission calculation
- Reconciliation and reporting
Claims workflow
- Digital claim notification
- Document and evidence collection
- Review and assignment
- Approval workflows
- Status tracking
- Claims reporting
Built for every part of the distribution chain
BimaPro connects to Finapp Intelligence for
- Customer segmentation
- Product recommendations
- Claims anomaly signals
- Renewal prediction
- Lapse-risk identification
- Portfolio and distribution insights
Built on live infrastructure
BimaPro is built on the same underlying platform already processing guarantees through AutoBonds in market. Request a demonstration to see it configured for your distribution model.
Launch and distribute insurance products digitally
Give agents, partners and customers one connected path from quotation to claim.
Intelligence for better financial decisions
Finapp Intelligence transforms financial, transactional, behavioural and operational data into risk signals, recommendations and decisions institutions can act on.
Data everywhere, decisions still manual
Financial institutions hold large amounts of data but still depend on manual analysis, static rules and fragmented reports.
Finapp Intelligence brings the data together and applies decision models, artificial intelligence and configurable policies at the point of action.
Four intelligence products, one underlying platform
Credit Intelligence
- Applicant scoring
- Affordability and capacity analysis
- Alternative-data assessment
- Policy-rule evaluation
- Approval recommendations
- Early-warning indicators
Trade Intelligence
- Contractor and business profiles
- Tender and procurement intelligence
- Counterparty risk signals
- Guarantee exposure monitoring
- Opportunity identification
- Performance history
Insurance Intelligence
- Customer propensity models
- Policy recommendations
- Claims anomaly detection
- Renewal prediction
- Portfolio segmentation
- Distribution performance
Portfolio Intelligence
- Risk concentration
- Exposure trends
- Exception detection
- Performance forecasting
- Management alerts
- Natural-language portfolio queries
From raw data to action
Connect
Bring together information from core platforms, payments, customer records and external data sources.
Understand
Organise the data into customer, business, transaction and portfolio profiles.
Decide
Apply rules, scores and predictive models to produce recommendations or decisions.
Act
Embed the result directly into lending, insurance, guarantee or operational workflows.
Learn
Monitor outcomes and improve rules and models over time.
Where AI supports the people making the call
- Summarise complex applications
- Identify missing or contradictory information
- Recommend the next action
- Generate risk explanations
- Prioritise cases for human review
- Allow managers to interrogate portfolio data conversationally
Built for data-rich financial institutions
Turn your financial data into decisions
Bring your data together and put decision intelligence to work across credit, trade, insurance and portfolio management.
Embedded payments for financial workflows
Finapp Pay enables collections, disbursements, settlement and reconciliation across Finapp products and institutional workflows.
Payments disconnected from the transactions they belong to
Payments are commonly separated from the underlying transaction, resulting in manual matching, delayed fulfilment and difficult reconciliation.
Finapp Pay connects the movement of money directly to the relevant customer, invoice, policy, loan, guarantee or partner transaction.
Collections, disbursements, reconciliation and orchestration in one layer
Collections
- Mobile-money collections
- Paybill and account payments
- Payment links
- Bank-transfer tracking
- Invoice-linked payments
- Transaction-status monitoring
Disbursements
- Customer payouts
- Supplier payments
- Agent commissions
- Bulk disbursements
- Refunds
- Scheduled payments
Reconciliation
- Automatic transaction matching
- Invoice and receipt allocation
- Failed-payment identification
- Unmatched-payment queues
- Partner settlement reports
- Finance-system integration
Payment orchestration
- Route transactions through approved providers
- Track payment status
- Manage callbacks and confirmations
- Retry failed transactions safely
- Maintain complete audit records
- Prevent duplicate processing
Where Finapp Pay fits across the platform
AutoBonds
Customer charges, partner fees, refunds and settlement reconciliation.
Finapp Core
Loan disbursement, repayment collection and account reconciliation.
BimaPro
Premium collection, insurer settlement, commission payments and claims payouts.
Finapp Intelligence
Payment behaviour and transaction signals used in risk and portfolio analysis.
Built for anyone moving money against a transaction
Embed payments into your financial product
Connect collections, disbursements and reconciliation to the transactions they belong to.