fintech – Sagamy Technologies

Flexible solutions that drive financial products innovation and accelerate growth across core banking, mobile banking, agency banking and payment solutions that allow customers leapfrog ahead of their competitors.

Core Banking

Leading core banking solution that helps financial institutions gain a competitive advantage.

Mobile & Agency Banking

Reaching the unbanked with banking services within their communities.

ZBridge E-Payments

Offering a single point of integration for all major switching and payment providers.

Core Banking Features

01

Deposit Account Management

Individual, corporate and group account management for savings, current, fixed and special deposit account. Chequebook & passbook management with automated cheque clearing system.
02

Credit Facilities Management

Credit facilities management for individual, corporate and group term loans, leases, hire purchase, credit cards, mortgages. Dynamic reporting & automated repayment collections.
03

Operations Management

Cashier till management, vault and teller cash management, multibranch operations, integrated SMS alerts for transaction notification and reminders, standing order management, daily cash analysis, risk management.
04

Internal Audit

Realtime audit trail for transactions and user activity with built-in artificial intelligence (AI) flags for usage and transaction pattern recognition and pattern exception flags.
05

Financial Accounts Management

Financial accounts management, general ledger management, fixed asset management, budgeting & forecasting, with real-time reporting for GAAP and IFRS financial statements for trial balance, balance sheet, income statement, & cash flow. Dynamic reporting for mandated monthly CBN returns.
06

Human Resource Management

Staff records, pay details, allowances & deductions calculation, staff loans & advances, payroll processing & benefits administration, training & development, leave management, performance appraisal.

Mobile, Agency, & ZBridge Features

01

Mobile Banking

Provides bank’s customers ability to access banking services anywhere / anytime. Customers are able download banks’ mobile application via Google and Apple app stores with which they access their accounts and perform various financial transactions including account opening, loan application, cash withdrawal, cash deposit, balance enquiry, funds transfer, PIN change, bill payment, airtime purchase, account activation, case management with wireless mobile printing capabilities.
02

Agency (Branchless) Banking

Provides bank’s field officers (agents) capacity to offer banking services to customers and card holders within their communities. Allow customers to access their accounts and perform various financial transactions including account opening, loan application, cash withdrawal, cash deposit, balance enquiry, funds transfer, PIN change, bill payment, airtime purchase, account activation, case management with wireless mobile printing capabilities.
03

ZBridge Card & E-Payments

Direct integration with Interswitch, NIBSS, Paystack, Flutterwave, Remitta, Etranzact, & 3Line. Allows dynamic routing for ATM, POS and online card transactions featuring built in ISO 8583 bridge for card transactions across various switching networks with over 99% uptime.