Manage all member responses effortlessly from a single communication hub—loan queries, repayment questions, and general updates all in one place.

Sacco Management System is an application used in Savings and Credit Cooperative Societies (SACCO) for maintaining the members register, monitoring and keeping records of members' savings, loans, withdrawals and deposits.
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Your member communication strategy, simplified.

Responding to member inquiries across multiple channels is effortless with Zapaut—saving time while improving satisfaction.

Members Management

Supports all members Bio Data, Next of KIN(s),Signature and Photos and management of different accounts e.g Fixed, Individual, Corporate etc.

Deposits

Supports all different types of deposits both for the back office and front office completely linked to the general ledger.

Loans

Supports all different types of loan both for the back office and Front office right from application, appraisal, repayment schedule, guarantors, disbursement and Recovery either through banking or checkoffs. Has the ability to support self service operations e.g. members Applying loans, manage their guarantors etc. Thus, offers a complete loan management system for your sacco.

All the Sacco Software tools you need to connect

Stay innovative and launch new products into new markets in the cloud or transform your current operations to serve your customers, your staff and your shareholders better.

Digital Lending
Supports Digital lending through and USSD platform with agile algorithm to determine lending criteria
Self Service Account
All members are able to access their accounts using phones, computer & tablets through individual accounts
Agency Banking
Supports organization appointed agencies to assist in provision of services to large clientele without physically visiting branches.

Supported Tools & Integrations

Zapaut software seamlessly integrates with the financial ecosystem to support a wide range of channels and services:

Custom Modules

Shares, Loans, Savings, Dividends, Member Management

Mobile Banking Apps

USSD, Android, iOS

Third-Party Integrations

Payment gateways, SMS/Email, Accounting systems

Credit Bureaus

For automated credit scoring & reporting

Regulatory Reporting

SASRA, Central Bank interfaces

Internet Banking

Web portals for members

Trusted by SACCOs, MFIs, and community banks of all sizes

SACCO Leaders, Loan Officers & Independent Financial Advisors
Running a small SACCO or managing operations solo? Use Zapaut to streamline financial management, engage your members effectively, and grow your portfolio with ease.
Small SACCOs & Microfinance Institutions
Zapaut is the top choice for small SACCOs and MFIs due to its time-saving automation, intuitive interface, and cost-effective pricing plans.
Independent SACCO Operators & Microfinance Advisors
Manage multiple member accounts simultaneously, collaborate seamlessly with your team, and generate comprehensive financial reports in seconds.
Frequently asked questions

Do you have questions left unanswered?

What is Zapaut?
Is Zapaut an AI-powered core banking platform?
Which channels and platforms does Zapaut support?
How does Zapaut help with financial operations?
How does Zapaut organize financial products and services?
How does Zapaut help me manage and curate financial services?
What kind of support does Zapaut offer for SACCOs and MFIs?
How much does Zapaut cost, and what pricing plans are available?
Does Zapaut provide a free financial operations planning template?
Can we adopt one-off pricing?
Is there any contract?

Do you have questions left unanswered?

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Testimonial
4.5 ratings from 25,000+ users
Over 25,000+ user testimonials
Thriving SACCOs, microfinance institutions, and community cooperatives manage their operations efficiently with Zapaut.
4.5/5.0
Whether you’re seeking inspiration, guidance, or you’re just intrigued by what our customers have to share about us, keep reading.
Read user stories
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Zapaut streamlines the management of all SACCO operations, saving your team countless hours of work each week.

James Ally
Marketing Manager, Tech Solutions Inc.
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I find Zapaut intuitive and user-friendly, even for someone with minimal technical experience.

Iva Ryan
Product Owner, Innovate Corp.
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Time management can be challenging, but Zapaut helps me save a lot of time.

John Dukes
Sr. Software Engineer, Jambo.co

Save time with AI-driven automation, plan financial operations, schedule tasks, and effortlessly maintain smooth SACCO workflows.

Save time by using AI-driven automation, planning SACCO operations, scheduling tasks, and effortlessly keeping your workflows running smoothly.

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