Progressive Feature Activation
Start with basic savings and loans. Add group lending when ready. Activate MFI features for licensing. Enable commercial banking as you scale. All included, pay only for what you use.
Growth & Scale
Scale Without Migration
Grow from 50 members to 50,000+ customers without changing platforms, migrating data, or disrupting operations. One system for your entire journey.
Stage 1SACCO (50–5,000 members)
Stage 2Growing SACCO (5,000–15,000)
Stage 3MFI License (15,000–50,000)
Stage 4Commercial Bank (50,000+)
Phased Growth
Start Small, Scale Infinitely
The SelamNow platform scales from village SACCOs to commercial banks without expensive migrations or system replacements. Activate new features as you grow: SACCO today, MFI tomorrow, commercial bank next year, all on the same platform with zero data migration.
Zero Migration Cost
No expensive data migration projects. No dual-running periods. No consultant fees for system replacement. Your data stays in one system from day one to day 10,000.
Instant Feature Upgrades
New capabilities deployed via cloud updates. No server upgrades. No reinstallation. Wake up to new features automatically activated.
Predictable Pricing
Pay-as-you-grow pricing based on active members. No surprise costs. No forced upgrades. No vendor lock-in with proprietary data formats.
Single Source of Truth
All your historical data in one place. Complete member journey from first deposit to commercial loan. Perfect audit trails across your entire growth.
License Progression Path
SACCO → MFI → Rural Bank → Commercial Bank. Same system. Same data. Same team. Just activate new regulatory modules as you upgrade licenses.
Growth Journey
Your Institution’s Evolution
SACCO (50–5,000 members)
Basic savings, share capital, simple loans, manual credit committee. Spreadsheet migration. Member passbooks. Branch operations.
Growing SACCO (5,000–15,000)
Add group lending, automated collections, SMS banking, mobile deposits. Digital committee voting. Multi-product offerings.
MFI License (15,000–50,000)
Activate reporting for NBE compliance review, IFRS financials, risk management, formal governance. Submit license application on live system.
Commercial Bank (50,000+)
Enable treasury, trade finance, corporate lending, multi-currency, SWIFT integration. Full commercial banking on same platform.
Illustrative migration approach: map member and account records, validate balances, and preserve approval and audit history before an institution changes its operating model. This is a planning example, not a customer result or supervisory endorsement.
ScopeEvaluation scope
MapEvaluation scope
ValidateEvaluation scope
ReconcileEvaluation scope
Next step
Start Your Growth Journey
Join institutions that chose a system built for their entire growth trajectory.