Banking Technology
Modern banking applications for African financial institutions.
From core banking and identity verification to payments and digital agreements, Kitsilano implements the technology stack that lets African banks and fintechs launch faster, onboard more customers, and stay compliant.
Our practice
The technology stack that runs modern banking.
African financial institutions are moving from legacy monolithic core systems to composable, API-first banking platforms that let them launch products in weeks instead of years. Kitsilano's banking technology practice covers the full stack: core banking, identity and compliance, payments integration, and digital agreements. We implement, integrate, and manage these systems so your team can focus on building products your customers need, not maintaining the infrastructure underneath.
6 weeks
To first product launch on modern core banking
vs 12 to 36 months for traditional systems
Under 2 min
Customer onboarding with automated KYC
vs 1 to 3 days for manual review processes
60%
Lower total cost of ownership
Modern cloud-native banking vs on-premise platforms
Applications we implement
Best-in-class platforms, delivered for Africa.
Mambu
Cloud-native core banking
Composable banking platform for lending, deposits, and digital products. Products configured, not coded. Launch new offerings in weeks.
- Consumer and SME lending
- Deposit and transactional accounts
- API-first integration architecture
- Go live in 6 to 12 weeks
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Tuum
Modular banking infra
Each banking function — payments, cards, lending, deposits — as an independent module. Deploy what you need, add the rest as you grow.
- Payments and card issuing
- Multi-currency accounts
- Legacy core system migration
- 99.99% uptime SLA
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Sumsub
Identity and KYC
Automated KYC, AML screening, and ongoing compliance monitoring. Onboard customers in under two minutes with a full audit trail.
- Document verification in under 2 minutes
- AML and sanctions screening
- Business verification (KYB)
- Continuous monitoring post-onboarding
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Docusign
Digital signatures
Digital signature and agreement management for account opening, loan contracts, and corporate onboarding. Legally binding across African jurisdictions.
- Digital loan agreement signing
- Account opening documentation
- Audit trail for compliance
- Mobile-friendly for all customers
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What we deliver
End to end across the banking technology stack.
Core Banking Implementation
- Mambu or Tuum deployment and configuration
- Product design for lending and deposit offerings
- Regulatory alignment for East African markets
- Go-live support and hypercare
Identity and KYC
- Sumsub KYC and AML integration
- Document verification across 220 countries
- Business verification for corporate customers
- Ongoing monitoring and compliance reporting
Payments Integration
- Mobile money: M-Pesa and Airtel Money
- RTGS, KEPSS, and domestic payment rails
- Cross-border SWIFT and SEPA connectivity
- Card issuing on Mastercard and Visa networks
Digital Agreements
- Docusign integration for loan contracts
- Account opening documentation workflows
- Legally binding e-signatures in Africa
- Audit trails retained for compliance
Data and Analytics
- Banking data pipelines and reporting
- Regulatory returns generated automatically
- Real-time transaction and portfolio analytics
- Integration with your BI and reporting stack
Managed Operations
- 24/7 monitoring and support post go-live
- Patch management and version upgrades
- Incident response and root cause analysis
- Ongoing optimisation as your business scales
Get started
Build the banking stack your institution needs.
Talk to our banking technology team about your core banking, compliance, or payments requirements.