core Banking


Cloud Platform

Every bank or fintech needs a core banking software to manage their daily operations.  FinOS offers the next-generation Cloud Core Banking Platform with Open Banking API capabilities.

FinOS is a pioneering cloud-native, software-as-a-service (SaaS) core banking platform engineered for reliability, scalability, and flexibility, enabling you to develop and launch financial solutions efficiently.

Our unique Composable Banking methodology provides plug-and-play credit and deposit engines to meet ever-changing customer demands. With our innovative banking technology, we empower you to build experiences that your customers love.
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FinOS by the numbers

Cloud Banking

The next-generation Cloud Core Banking Platform provides plug-and-play credit and deposit engines to meet ever-changing customer demands.

Savings Management

Deposits Management

Automated Accounting

Realtime Decisioning

Loans Management

Shares Management

Regulatory Reporting

Transaction Processing

Savings Management

Loans Management

Deposits Management

Shares Management

Automated Accounting

Regulatory Reporting

Realtime Decisioning

Transaction Processing

FinOS by the numbers

Banking Engine

The global financial standard ISO 20022 facilitates efficiency, transparency, and regulatory compliance.
End-End Lending Engine
  • Loan Origination
  • Loan Collection
  • Loan Decisioning
  • Loan Provisioning
End-End Deposit Engine
  • Savings Deposits
  • Shares Deposits
  • Fixed Deposits
  • Recurring Deposits
End-End Compliance Engine
  • Automated Accounting
  • Regulatory Reporting
  • Realtime Decisioning
  • Transaction Processing
FinOS by the numbers

Cloud Native

Utilizing leading providers for maximum performance, security, and scalability.
Composable by the nature
Built on the cloud.
Low-code no-code.
Modular flexibility.

Banking Expertise

Ideal for all banking sectors.
Personal Banking
Individual accounts featuring loans, savings, and deposits.
Business Banking
Corporate accounts offering loans, savings, and deposits.
Microfinance Banking
Group accounts providing loans, savings, and deposits.
Cooperative Banking
Individual accounts offering shares, savings, loans, and deposits.
Payment Banking
Individual accounts featuring digital wallets and payments processing.
Neo Banking
Individual accounts offering digital savings and card processing.
It's amazing that our companies worked well together yet we never met physically: the power of technology. I would recommend your product FinOS to any fintech that wants a cloud based Core Banking software - your organisation's response time is world class.

Ethel Mupambwa

MoneyMart Finance, Zimbabwe
FinOS is the best Core Banking software. Highly flexible to launch different loan products. Multiple types of users, allowing split responsibilities and overall automate workflow. The usability of their platform is phenomenal. With no financial background to aid in complex calculations, FinOS makes you an expert at the click of a button. It also reduces 50% manpower costs and unnecessary human error. Excellant support, FinOS meets our expectations in a pricing for a startup like us.

Varinder Gulati

Sarvasva Capital Finance, India
Best customer support. Fast, took care of all my issues and went the extra miles for me. FinOS increased our productivity by more than 50%.

Tamilkumar Kolappan

Bhgala Livelihood Finserv, India
The team has good experience in building scalable banking solutions in general. FinOS have delivered the Core Banking software on time with good quality. What’s even better is that changes were done quickly if requested, which is not common these days. The experience overall was always great.

Syam Nair

Gojo & Co, Japan
We went live with FinOS on March 2019, our productivity has increased as the system is very user-friendly. Our data quality has improved and this has greatly reflected on our reports, guaranteeing transparency to our stakeholders and clients. Easy to use accounting is fully detailed and clean financial reporting. The service and support is impeccable! Hassle Free Financial Reporting and Microfinance Operations

George Joseph

Jayanth Financial Services, India
Really great Core Banking software, many advanced features and options. FinOS support is 100%. Great customer support and assistance. I highly recommend it.

Alphina Jos Joslin Thambi

BWDA Rosemalar Cooperative, India
We wanted to implement Wallet and Card System. FinOS provided guidance on technicalities and specifics on how Core Banking software operates and understanding our requirements in a detailed manner and finishing it in a classy way. We strongly recommend FinOS for Core Banking Implementation.

Rosario Arun

Selcom Paytech, Tanzania
FinOS is self-explanatory and very user-friendly. It has made our operation much less complicated. We provide lending to industries based on the pay-book, and it would have been impossible to settle for anything less than what we expected from a Core Banking software.

Emir Karamagi

Tanzania Microfinance, Tanzania
FinOS Core Banking is capable of accommodating multiple users yet the workflow is very simple with customization opportunities for financial institutions. One can generate any number of reports and those reports formats can be customized as per requirements. The team at FinOS is having strong expertise in financial inclusion operation with excellent customer support system. We thank everyone at FinOS and wish them a great success.

Pon Aananth

Pinke Capital, India
We needed a platform that could streamline our underwriting process to help us grow and expand our business. Implementing FinOS platform has given us a great and flexible loan management systems that seamlessly integrate to our other existing systems vital for our operation. FinOS has been a great partner for us with great support and always available.

Gabriel Prats

Omnipagos Credit, Honduras
We obtained FinOS for our Microfinance Institution on April 2019, however so far this has been the best experience with a user friendly robust core banking solution with integrated accounting and reporting. Our Clients are served faster than before and we have greatly increased our customer base. I appreciate their quick and courteous responses. I am really impressed by the quality of services. The Customer support is amazing. I highly recommend FinOS. Overall, great user friendly Core Banking software for Microfinance Institutions.

Srinivasan Thangamuthu

Richline Finance, India
We were looking for a Core Banking Software which is suitable for our new Cooperative. Our specific requirement was a tool that will provide us customized solutions for a dynamic and diverse customer segment, and is adaptive to our ever changing requirements. It is going to be a year with FinOS and we feel we have found the right solution. Special thanks to the very supportive team at FinOS. The best support!

Smriti Vaid

Sanjeevani Kalyan Samiti Cooperative, India
We have been provided with the best customer support and the highest rate of understanding of customer needs. Initially, we had an inhibition from going with FinOS due to the language barrier, but we were impressed when we received support in Hindi. The software provided is straight forward to understand and work with. FinOS has become an integral part of our organization.

Amit Kumar Singh

Major Micro Credit Association Cooperative, India