One core, multiple channels. Integrated CBS with branch, agency, and digital banking — built for microfinance institutions, cooperatives, and financial groups.
Complete back-office operations, CIF, accounts, loans, fees, and GL
zAgent mobile app for deposits, withdrawals, and daily collections with offline support
Client portal and mobile app for self-service banking and digital transactions
A complete ecosystem that connects branch, field, and digital channels — all from one core banking system designed for your operational reality.
Branch operations, field agents (zAgent), and digital banking (portal + mobile) all connected to a single core banking system for seamless operations.
Simple Saver and zAgent support daily collections, teller operations, and field agents with full offline capability and cash drawer management.
CIF, accounts, loans, fees, approvals, and reporting tailored specifically to microfinance institutions and cooperative workflows.
Internet banking and mobile app with transfers, statements, deposits/withdrawals via mobile money and cards for modern member expectations.
Role-based access control, approval workflows, audit trails, cash drawer reconciliation, and compliance reporting for operational oversight.
Fewer manual steps, clear workflows, integrated reporting, and automation to help your institution operate and scale with confidence.
Everything you need to run a modern microfinance institution or cooperative — from core banking to field collections to digital member services.
Central registry for individuals and institutions with approval workflow and documents.
Full bank accounts with configurable products, minimum balances, and lifecycle management.
Complete loan lifecycle: applications, approvals, disbursements, repayments, and provisions.
Deposits, withdrawals, transfers, and reversals with teller processing and permissions.
Teller cash drawers with open/close, counts, authorizations, and end-of-day reconciliation.
Chart of accounts, journal entries, trial balance, and financial statements (OHADA-oriented).
Configurable fee structures linked to products and operations with monthly automation.
Branch and location management with role-based access by branch for scalability.
CIF lists, product reports, fee reports, agent performance, and portfolio analytics with export.
Fine-grained permissions for Super Admin, Manager, Cashier, Agent, and more.
Multi-level approvals for CIF, accounts, transactions, and loans for control.
Activity logs and audit trails for regulatory compliance and operational oversight.
Dedicated savings products for agent-led collections with flexible minimum balance and fees.
Agent/collector profiles with account assignments for field-based collection operations.
Quick deposit and withdrawal processing with cash drawer integration and approval flow.
Issue float to collectors with receipts and full history tracking for accountability.
Agents submit closing cash/channel; managers approve or reject with pending queue management.
View, print receipts, edit memo, and reverse transactions with proper audit controls.
Daily activity, transaction details, and fee charges for operational oversight.
Portfolio summary and account-level views for Simple Saver operations.
Per-collector summaries for performance tracking and reconciliation.
Bulk import and bulk reassignment of Simple Saver accounts for efficiency.
Record sales with amount, channel, and description for collectors and agents.
Optional location history for field collectors where configured.
Native mobile experience optimized for field agents and tellers with low-connectivity support.
Login with 2FA, transaction PIN, and optional biometric authentication for security.
Quick actions (Deposit, Withdrawal, New Account, EOD), balance card, and today's activity.
Fast account search by number for quick deposits and withdrawals in the field.
Process deposits with amount, memo, channel; confirm with PIN/biometrics; offline queue support.
Process withdrawals with same security and offline capability as deposits.
Multi-step account opening (personal info, photo, signature) with offline creation and sync.
View assigned accounts with caching for offline access in low-connectivity areas.
Record sales with amount, channel, description; offline queue for delayed sync.
View transactions and sales with date/type filters and detail drill-down.
Print receipts via Bluetooth thermal (58mm) or system print with configurable branding.
Submit closing cash and channel (cash/mobile money) for manager approval.
Queue new accounts, deposits, withdrawals, and sales when offline; auto-sync when online.
Automatic synchronization when app comes online with manual sync option.
Light, dark, or system theme for comfortable viewing in any environment.
Optional biometric unlock and transaction confirmation for enhanced security.
Web application for customers to access accounts, statements, and services 24/7.
Email or phone login with password and optional two-factor authentication.
Total available balance and list of all accounts with quick links to detail views.
Balance, effective balance, and paginated transaction history for each account.
Download account statements by date range in PDF format.
Initiate transfers between accounts with configurable limits and validation.
Manage saved beneficiaries for quick and easy repeat transfers.
View complete history of all transfers with status and details.
Deposit funds via payment gateways (mobile money, cards) with redirect flow.
Withdraw to mobile money with subscriber verification and status tracking.
View loan information and submit loan requests directly from the portal.
List linked cards, view balance/status/history, link new cards, and top-up.
View CIF info and submit update requests for staff approval.
Manage 2FA, change password, and view security status.
Real-time notifications for transactions and account activities.
Admin-configured limits and fees for all portal operations.
Full-featured banking app for iOS and Android with native performance and UX.
Fingerprint and Face ID support for quick and secure app access.
PIN and biometric app lock for additional security when using mobile.
Touch-optimized dashboard with balance overview and quick actions.
View all accounts, balances, and transaction history in a mobile-friendly interface.
Transfer funds between accounts with touch-optimized forms and confirmation.
Scan QR codes for quick beneficiary addition and payment processing.
Download and view statements directly on mobile device.
Initiate deposits via mobile money with in-app payment flow.
Withdraw to mobile money account with verification and tracking.
Full card management: link, view, top-up, and withdraw — all from mobile.
View loan details and submit loan requests from your smartphone.
Real-time push notifications for transactions, approvals, and alerts.
System-aware dark mode for comfortable viewing day and night.
2FA, biometrics, app lock, and secure PIN for multi-layered protection.
Support for multiple languages to serve diverse member bases.
From core banking operations to field collections to member self-service — zBanco CBS connects every touchpoint in your institution.
The foundation of your operations. Complete back-office system for customer management, accounts, loans, transactions, cash drawer, general ledger, and comprehensive reporting.
Purpose-built for field-based savings and collections. Support daily collectors and group savings with or without full KYC, ideal for microfinance and cooperative field operations.
Mobile-first app for field agents and tellers. Process deposits, withdrawals, create new accounts, and record sales — all with offline support and Bluetooth receipt printing.
Modern digital banking for your members. Web portal and native mobile apps with accounts, transfers, statements, digital deposits/withdrawals via mobile money, and card management.
zBanco CBS is designed specifically for the unique needs of microfinance institutions, cooperatives, and financial groups.
Transform your institution with a platform that brings control, efficiency, and modern digital services to every channel.
Automated workflows and integrated processes reduce manual work and errors across all operations.
Comprehensive reporting and analytics give you visibility into portfolio, performance, and operations.
Support field agents with offline capability while offering members modern digital banking.
Role-based access, approval workflows, and audit trails ensure operational control and regulatory compliance.
Multi-branch support and modular design let you grow from single location to regional operations.
Empower members with 24/7 portal and mobile banking, transfers, and digital deposit/withdrawal options.
See how zBanco CBS can help you operate more efficiently, scale with confidence, and deliver modern banking experiences to your members.